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%16.1%
1 years$225,441$223,433$221,474$219,561$217,694$212,259
2 years$111,604$109,526$107,511$105,558$103,664$98,223
3 years$73,664$71,576$69,567$67,632$65,769$60,491
4 years$54,697$52,616$50,627$48,725$46,907$41,834
5 years$43,320$41,252$39,289$37,426$35,658$30,803
6 years$35,738$33,685$31,751$29,930$28,215$23,584
7 years$30,324$28,289$26,385$24,607$22,946$18,539
8 years$26,266$24,249$22,377$20,642$19,036$14,851
9 years$23,111$21,113$19,273$17,582$16,031$12,065
10 years$20,589$18,610$16,803$15,156$13,659$9,907
11 years$18,526$16,567$14,793$13,190$11,747$8,203
12 years$16,809$14,870$13,128$11,570$10,180$6,838
13 years$15,357$13,438$11,729$10,214$8,877$5,731
14 years$14,113$12,215$10,539$9,067$7,782$4,824
15 years$13,036$11,158$9,515$8,086$6,852$4,075
16 years$12,095$10,238$8,627$7,240$6,056$3,453
17 years$11,265$9,429$7,850$6,505$5,369$2,933
18 years$10,529$8,712$7,166$5,863$4,774$2,497
19 years$9,870$8,075$6,560$5,297$4,255$2,129
20 years$9,278$7,503$6,021$4,798$3,801$1,818
21 years$8,744$6,989$5,538$4,354$3,401$1,554
22 years$8,258$6,524$5,104$3,959$3,049$1,330
23 years$7,816$6,102$4,713$3,606$2,737$1,140
24 years$7,410$5,717$4,358$3,289$2,460$977
25 years$7,038$5,365$4,037$3,003$2,214$838
26 years$6,695$5,042$3,744$2,746$1,994$720
27 years$6,378$4,745$3,477$2,514$1,798$618
28 years$6,085$4,472$3,232$2,303$1,622$531
29 years$5,811$4,218$3,008$2,112$1,465$456
30 years$5,557$3,984$2,801$1,938$1,323$392
31 years$5,320$3,766$2,612$1,780$1,196$337
32 years$5,097$3,563$2,437$1,636$1,082$290
33 years$4,889$3,375$2,275$1,504$979$250
34 years$4,693$3,198$2,126$1,384$887$215
35 years$4,509$3,034$1,987$1,274$803$185
36 years$4,336$2,879$1,859$1,173$728$159
37 years$4,172$2,735$1,740$1,081$660$137
38 years$4,017$2,599$1,630$997$598$118
39 years$3,871$2,471$1,527$919$542$102
40 years$3,732$2,351$1,431$848$492$87
41 years$3,601$2,238$1,342$782$446$75
42 years$3,476$2,132$1,259$722$405$65
43 years$3,357$2,031$1,181$666$367$56
44 years$3,244$1,936$1,109$615$334$48
45 years$3,136$1,846$1,041$568$303$41
46 years$3,033$1,761$978$525$275$36
47 years$2,935$1,681$919$485$250$31
48 years$2,841$1,604$863$448$227$26
49 years$2,751$1,532$811$414$206$23
50 years$2,665$1,464$763$383$187$20

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 $2,467 every year, while hoping to spend $53,218 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: 66/17/17 Blend
34$2,730,000$2,730,000$2,730,000$2,730,000
35$3,011,005$2,866,315$2,824,000$3,197,069
36$3,261,504$2,950,141$2,861,980$3,405,697
37$3,535,770$3,036,290$2,899,449$3,627,268
38$3,836,171$3,124,822$2,936,334$3,868,174
39$4,165,316$3,215,793$2,972,556$4,130,308
40$4,526,076$3,309,264$3,008,035$4,415,758
41$4,921,614$3,405,297$3,042,682$4,726,818
42$5,355,414$3,503,952$3,076,408$5,066,017
43$5,831,314$3,605,293$3,109,114$5,436,142
44$6,353,539$3,709,383$3,140,701$5,840,259
45$6,926,745$3,816,288$3,171,059$6,281,747
46$7,556,060$3,926,073$3,200,077$6,764,329
47$8,247,133$4,038,806$3,227,635$7,292,103
48$9,006,187$4,154,554$3,253,607$7,869,587
49$9,840,076$4,273,385$3,277,861$8,501,754
50$10,756,353$4,395,370$3,300,258$9,194,086
51$11,763,337$4,520,579$3,320,652$9,952,621
52$12,870,192$4,649,082$3,338,889$10,784,011
53$14,087,018$4,780,953$3,354,808$11,695,584
54$15,424,937$4,916,264$3,368,238$12,695,415
55$16,896,207$5,055,087$3,379,000$13,792,400
56$18,514,332$5,197,498$3,386,908$14,996,341
57$20,294,188$5,343,570$3,391,764$16,318,038
58$22,252,169$5,493,378$3,393,362$17,769,391
59$24,406,335$5,646,999$3,391,484$19,363,512
60$26,776,587$5,804,506$3,385,904$21,114,847
61$29,384,849$5,965,978$3,376,382$23,039,316
62$32,255,280$6,131,488$3,362,668$25,154,459
63$35,414,501$6,301,113$3,344,500$27,479,606
64$38,891,842$6,474,929$3,321,602$30,036,054
65$42,719,621$6,653,012$3,293,687$32,847,273
66$46,933,449$6,835,436$3,260,452$35,939,123
67$51,572,565$7,022,276$3,221,581$39,340,103
68$56,680,205$7,213,607$3,176,743$43,081,614
69$62,304,013$7,409,501$3,125,591$47,198,260
70$68,496,486$7,610,030$3,067,762$51,728,173
71$75,315,472$7,815,265$3,002,876$56,713,373
72$82,824,712$8,025,275$2,930,534$62,200,165
73$91,094,448$8,240,128$2,850,322$68,239,574
74$100,202,077$8,459,890$2,761,804$74,887,830
75$110,232,888$8,684,625$2,664,524$82,206,896
76$121,280,864$8,914,392$2,558,006$90,265,056
77$133,449,566$9,149,251$2,441,753$99,137,555
78$146,853,114$9,389,257$2,315,245$108,907,315
79$161,617,263$9,634,462$2,177,936$119,665,712
80$177,880,586$9,884,913$2,029,259$131,513,444
81$195,795,787$10,140,654$1,868,621$144,561,479
82$215,531,136$10,401,726$1,695,399$158,932,102
83$237,272,063$10,668,162$1,508,946$174,760,072
84$261,222,903$10,939,990$1,308,584$192,193,892
85$287,608,824$11,217,235$1,093,607$211,397,214
86$316,677,956$11,499,912$863,275$232,550,380
87$348,703,730$11,788,030$616,817$255,852,129
88$383,987,459$12,081,592$353,429$281,521,471
89$422,861,181$12,380,591$72,270$309,799,757
90$465,690,793$12,685,011$0$340,952,953
91$512,879,505$12,994,828$0$375,315,476
92$564,871,646$13,310,006$0$413,185,679
93$622,156,855$13,630,498$0$454,906,555
94$685,274,708$13,956,245$0$500,870,536
95$754,819,804$14,287,177$0$551,510,073
96$831,447,382$14,623,207$0$607,301,719
97$915,879,506$14,964,236$0$668,770,625
98$1,008,911,878$15,310,146$0$736,495,500
99$1,111,421,351$15,660,804$0$811,114,072
100$1,224,374,205$16,016,060$0$893,329,107