Can I retire at age 35 with 2,730,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $2,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$225,441$223,433$221,474$219,561$217,694$213,473
2 years$111,604$109,526$107,511$105,558$103,664$99,429
3 years$73,664$71,576$69,567$67,632$65,769$61,651
4 years$54,697$52,616$50,627$48,725$46,907$42,938
5 years$43,320$41,252$39,289$37,426$35,658$31,850
6 years$35,738$33,685$31,751$29,930$28,215$24,572
7 years$30,324$28,289$26,385$24,607$22,946$19,469
8 years$26,266$24,249$22,377$20,642$19,036$15,724
9 years$23,111$21,113$19,273$17,582$16,031$12,881
10 years$20,589$18,610$16,803$15,156$13,659$10,669
11 years$18,526$16,567$14,793$13,190$11,747$8,913
12 years$16,809$14,870$13,128$11,570$10,180$7,498
13 years$15,357$13,438$11,729$10,214$8,877$6,343
14 years$14,113$12,215$10,539$9,067$7,782$5,390
15 years$13,036$11,158$9,515$8,086$6,852$4,598
16 years$12,095$10,238$8,627$7,240$6,056$3,935
17 years$11,265$9,429$7,850$6,505$5,369$3,376
18 years$10,529$8,712$7,166$5,863$4,774$2,904
19 years$9,870$8,075$6,560$5,297$4,255$2,502
20 years$9,278$7,503$6,021$4,798$3,801$2,159
21 years$8,744$6,989$5,538$4,354$3,401$1,866
22 years$8,258$6,524$5,104$3,959$3,049$1,615
23 years$7,816$6,102$4,713$3,606$2,737$1,398
24 years$7,410$5,717$4,358$3,289$2,460$1,212
25 years$7,038$5,365$4,037$3,003$2,214$1,052
26 years$6,695$5,042$3,744$2,746$1,994$913
27 years$6,378$4,745$3,477$2,514$1,798$793
28 years$6,085$4,472$3,232$2,303$1,622$689
29 years$5,811$4,218$3,008$2,112$1,465$599
30 years$5,557$3,984$2,801$1,938$1,323$521
31 years$5,320$3,766$2,612$1,780$1,196$453
32 years$5,097$3,563$2,437$1,636$1,082$395
33 years$4,889$3,375$2,275$1,504$979$343
34 years$4,693$3,198$2,126$1,384$887$299
35 years$4,509$3,034$1,987$1,274$803$260
36 years$4,336$2,879$1,859$1,173$728$227
37 years$4,172$2,735$1,740$1,081$660$197
38 years$4,017$2,599$1,630$997$598$172
39 years$3,871$2,471$1,527$919$542$150
40 years$3,732$2,351$1,431$848$492$131
41 years$3,601$2,238$1,342$782$446$114
42 years$3,476$2,132$1,259$722$405$99
43 years$3,357$2,031$1,181$666$367$86
44 years$3,244$1,936$1,109$615$334$75
45 years$3,136$1,846$1,041$568$303$66
46 years$3,033$1,761$978$525$275$57
47 years$2,935$1,681$919$485$250$50
48 years$2,841$1,604$863$448$227$43
49 years$2,751$1,532$811$414$206$38
50 years$2,665$1,464$763$383$187$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,730,000, adding $6,636 every year, while hoping to spend $55,801 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 31/43/26 Blend
34$2,730,000$2,730,000$2,730,000$2,730,000
35$3,015,305$2,870,615$2,828,300$3,084,509
36$3,263,494$2,951,903$2,863,676$3,219,534
37$3,535,129$3,035,305$2,898,367$3,359,386
38$3,832,541$3,120,863$2,932,292$3,508,815
39$4,158,299$3,208,625$2,965,362$3,668,696
40$4,515,232$3,298,634$2,997,488$3,839,990
41$4,906,454$3,390,936$3,028,573$4,023,757
42$5,335,398$3,485,577$3,058,516$4,221,162
43$5,805,841$3,582,603$3,087,208$4,433,489
44$6,321,946$3,682,059$3,114,539$4,662,149
45$6,888,296$3,783,992$3,140,388$4,908,698
46$7,509,942$3,888,447$3,164,630$5,174,847
47$8,192,445$3,995,470$3,187,135$5,462,482
48$8,941,933$4,105,107$3,207,762$5,773,681
49$9,765,156$4,217,402$3,226,368$6,110,729
50$10,669,548$4,332,401$3,242,797$6,476,147
51$11,663,301$4,450,148$3,256,890$6,872,709
52$12,755,439$4,570,687$3,268,478$7,303,473
53$13,955,903$4,694,060$3,277,381$7,771,807
54$15,275,646$4,820,310$3,283,414$8,281,420
55$16,726,735$4,949,477$3,286,381$8,836,403
56$18,322,462$5,081,603$3,286,075$9,441,258
57$20,077,477$5,216,725$3,282,282$10,100,950
58$22,007,916$5,354,881$3,274,775$10,820,947
59$24,131,560$5,496,106$3,263,316$11,607,277
60$26,467,998$5,640,435$3,247,657$12,466,580
61$29,038,817$5,787,899$3,227,536$13,406,175
62$31,867,798$5,938,527$3,202,681$14,434,126
63$34,981,146$6,092,348$3,172,803$15,559,321
64$38,407,736$6,249,386$3,137,604$16,791,554
65$42,179,380$6,409,661$3,096,770$18,141,619
66$46,331,135$6,573,192$3,049,969$19,621,413
67$50,901,627$6,739,995$2,996,859$21,244,044
68$55,933,417$6,910,079$2,937,079$23,023,960
69$61,473,405$7,083,452$2,870,250$24,977,087
70$67,573,266$7,260,116$2,795,978$27,120,971
71$74,289,946$7,440,068$2,713,849$29,474,955
72$81,686,189$7,623,300$2,623,432$32,060,354
73$89,831,137$7,809,798$2,524,274$34,900,661
74$98,800,978$7,999,543$2,415,902$38,021,767
75$108,679,665$8,192,508$2,297,822$41,452,209
76$119,559,709$8,388,659$2,169,518$45,223,436
77$131,543,052$8,587,956$2,030,449$49,370,110
78$144,742,025$8,790,348$1,880,051$53,930,432
79$159,280,414$8,995,777$1,717,734$58,946,506
80$175,294,621$9,204,175$1,542,883$64,464,733
81$192,934,957$9,415,464$1,354,855$70,536,255
82$212,367,056$9,629,555$1,152,976$77,217,436
83$233,773,441$9,846,348$936,545$84,570,395
84$257,355,242$10,065,730$704,830$92,663,595
85$283,334,100$10,287,574$457,065$101,572,492
86$311,954,253$10,511,740$192,451$111,380,243
87$343,484,844$10,738,072$0$122,178,501
88$378,222,460$10,966,399$0$134,093,226
89$416,493,931$11,196,533$0$147,269,387
90$458,659,414$11,428,265$0$161,776,480
91$505,115,794$11,661,370$0$177,749,986
92$556,300,429$11,895,601$0$195,339,201
93$612,695,275$12,130,687$0$214,708,647
94$674,831,439$12,366,338$0$236,039,627
95$743,294,192$12,602,234$0$259,531,936
96$818,728,489$12,838,033$0$285,405,746
97$901,845,060$13,073,362$0$313,903,686
98$993,427,119$13,307,820$0$345,293,134
99$1,094,337,755$13,540,972$0$379,868,742
100$1,205,528,079$13,772,353$0$417,955,213