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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.8%
1 years$225,441$223,433$221,474$219,561$217,694$210,810
2 years$111,604$109,526$107,511$105,558$103,664$96,791
3 years$73,664$71,576$69,567$67,632$65,769$59,122
4 years$54,697$52,616$50,627$48,725$46,907$40,537
5 years$43,320$41,252$39,289$37,426$35,658$29,583
6 years$35,738$33,685$31,751$29,930$28,215$22,440
7 years$30,324$28,289$26,385$24,607$22,946$17,470
8 years$26,266$24,249$22,377$20,642$19,036$13,856
9 years$23,111$21,113$19,273$17,582$16,031$11,141
10 years$20,589$18,610$16,803$15,156$13,659$9,051
11 years$18,526$16,567$14,793$13,190$11,747$7,413
12 years$16,809$14,870$13,128$11,570$10,180$6,111
13 years$15,357$13,438$11,729$10,214$8,877$5,063
14 years$14,113$12,215$10,539$9,067$7,782$4,212
15 years$13,036$11,158$9,515$8,086$6,852$3,516
16 years$12,095$10,238$8,627$7,240$6,056$2,943
17 years$11,265$9,429$7,850$6,505$5,369$2,469
18 years$10,529$8,712$7,166$5,863$4,774$2,075
19 years$9,870$8,075$6,560$5,297$4,255$1,747
20 years$9,278$7,503$6,021$4,798$3,801$1,473
21 years$8,744$6,989$5,538$4,354$3,401$1,243
22 years$8,258$6,524$5,104$3,959$3,049$1,050
23 years$7,816$6,102$4,713$3,606$2,737$887
24 years$7,410$5,717$4,358$3,289$2,460$751
25 years$7,038$5,365$4,037$3,003$2,214$635
26 years$6,695$5,042$3,744$2,746$1,994$538
27 years$6,378$4,745$3,477$2,514$1,798$456
28 years$6,085$4,472$3,232$2,303$1,622$386
29 years$5,811$4,218$3,008$2,112$1,465$327
30 years$5,557$3,984$2,801$1,938$1,323$277
31 years$5,320$3,766$2,612$1,780$1,196$235
32 years$5,097$3,563$2,437$1,636$1,082$200
33 years$4,889$3,375$2,275$1,504$979$169
34 years$4,693$3,198$2,126$1,384$887$144
35 years$4,509$3,034$1,987$1,274$803$122
36 years$4,336$2,879$1,859$1,173$728$103
37 years$4,172$2,735$1,740$1,081$660$88
38 years$4,017$2,599$1,630$997$598$74
39 years$3,871$2,471$1,527$919$542$63
40 years$3,732$2,351$1,431$848$492$54
41 years$3,601$2,238$1,342$782$446$45
42 years$3,476$2,132$1,259$722$405$39
43 years$3,357$2,031$1,181$666$367$33
44 years$3,244$1,936$1,109$615$334$28
45 years$3,136$1,846$1,041$568$303$24
46 years$3,033$1,761$978$525$275$20
47 years$2,935$1,681$919$485$250$17
48 years$2,841$1,604$863$448$227$14
49 years$2,751$1,532$811$414$206$12
50 years$2,665$1,464$763$383$187$10

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 $4,185 every year, while hoping to spend $29,176 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: 40/39/21 Blend
34$2,730,000$2,730,000$2,730,000$2,730,000
35$3,012,777$2,868,087$2,825,772$3,114,397
36$3,289,037$2,977,580$2,889,392$3,297,143
37$3,592,498$3,091,461$2,954,166$3,491,622
38$3,925,903$3,209,913$3,020,101$3,701,424
39$4,292,275$3,333,128$3,087,204$3,927,963
40$4,694,944$3,461,308$3,155,482$4,172,790
41$5,137,578$3,594,662$3,224,941$4,437,609
42$5,624,219$3,733,409$3,295,584$4,724,291
43$6,159,320$3,877,776$3,367,417$5,034,894
44$6,747,785$4,028,002$3,440,440$5,371,679
45$7,395,021$4,184,336$3,514,657$5,737,130
46$8,106,983$4,347,038$3,590,067$6,133,979
47$8,890,231$4,516,378$3,666,670$6,565,228
48$9,751,995$4,692,641$3,744,464$7,034,180
49$10,700,240$4,876,122$3,823,445$7,544,467
50$11,743,742$5,067,130$3,903,608$8,100,083
51$12,892,173$5,265,988$3,984,948$8,705,420
52$14,156,186$5,473,033$4,067,455$9,365,313
53$15,547,522$5,688,617$4,151,120$10,085,077
54$17,079,118$5,913,108$4,235,932$10,870,564
55$18,765,228$6,146,890$4,321,875$11,728,211
56$20,621,558$6,390,365$4,408,935$12,665,102
57$22,665,416$6,643,951$4,497,093$13,689,035
58$24,915,871$6,908,088$4,586,329$14,808,589
59$27,393,939$7,183,233$4,676,619$16,033,212
60$30,122,773$7,469,865$4,767,939$17,373,299
61$33,127,891$7,768,482$4,860,259$18,840,297
62$36,437,407$8,079,609$4,953,549$20,446,806
63$40,082,304$8,403,791$5,047,774$22,206,699
64$44,096,721$8,741,599$5,142,897$24,135,251
65$48,518,278$9,093,629$5,238,876$26,249,279
66$53,388,430$9,460,505$5,335,666$28,567,303
67$58,752,858$9,842,878$5,433,219$31,109,714
68$64,661,901$10,241,430$5,531,483$33,898,969
69$71,171,028$10,656,873$5,630,401$36,959,800
70$78,341,364$11,089,952$5,729,911$40,319,440
71$86,240,268$11,541,444$5,829,948$44,007,886
72$94,941,965$12,012,164$5,930,440$48,058,175
73$104,528,248$12,502,963$6,031,313$52,506,692
74$115,089,252$13,014,731$6,132,484$57,393,516
75$126,724,300$13,548,397$6,233,867$62,762,790
76$139,542,846$14,104,936$6,335,369$68,663,139
77$153,665,502$14,685,364$6,436,889$75,148,125
78$169,225,182$15,290,745$6,538,324$82,276,747
79$186,368,352$15,922,192$6,639,559$90,114,000
80$205,256,414$16,580,870$6,740,474$98,731,480
81$226,067,231$17,267,996$6,840,943$108,208,060
82$248,996,803$17,984,842$6,940,830$118,630,628
83$274,261,120$18,732,742$7,039,990$130,094,905
84$302,098,195$19,513,088$7,138,271$142,706,347
85$332,770,320$20,327,338$7,235,511$156,581,132
86$366,566,531$21,177,016$7,331,540$171,847,255
87$403,805,346$22,063,718$7,426,175$188,645,731
88$444,837,764$22,989,113$7,519,225$207,131,922
89$490,050,583$23,954,947$7,610,486$227,477,001
90$539,870,050$24,963,047$7,699,745$249,869,557
91$594,765,884$26,015,325$7,786,774$274,517,375
92$655,255,708$27,113,780$7,871,336$301,649,392
93$721,909,942$28,260,507$7,953,177$331,517,850
94$795,357,179$29,457,694$8,032,031$364,400,671
95$876,290,125$30,707,636$8,107,619$400,604,078
96$965,472,137$32,012,729$8,179,643$440,465,476
97$1,063,744,428$33,375,486$8,247,794$484,356,631
98$1,172,034,008$34,798,532$8,311,743$532,687,173
99$1,291,362,435$36,284,619$8,371,145$585,908,457
100$1,422,855,463$37,836,625$8,425,638$644,517,813