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%17.9%
1 years$225,441$223,433$221,474$219,561$217,694$210,726
2 years$111,604$109,526$107,511$105,558$103,664$96,707
3 years$73,664$71,576$69,567$67,632$65,769$59,043
4 years$54,697$52,616$50,627$48,725$46,907$40,463
5 years$43,320$41,252$39,289$37,426$35,658$29,513
6 years$35,738$33,685$31,751$29,930$28,215$22,374
7 years$30,324$28,289$26,385$24,607$22,946$17,410
8 years$26,266$24,249$22,377$20,642$19,036$13,799
9 years$23,111$21,113$19,273$17,582$16,031$11,088
10 years$20,589$18,610$16,803$15,156$13,659$9,003
11 years$18,526$16,567$14,793$13,190$11,747$7,369
12 years$16,809$14,870$13,128$11,570$10,180$6,070
13 years$15,357$13,438$11,729$10,214$8,877$5,026
14 years$14,113$12,215$10,539$9,067$7,782$4,178
15 years$13,036$11,158$9,515$8,086$6,852$3,485
16 years$12,095$10,238$8,627$7,240$6,056$2,915
17 years$11,265$9,429$7,850$6,505$5,369$2,444
18 years$10,529$8,712$7,166$5,863$4,774$2,053
19 years$9,870$8,075$6,560$5,297$4,255$1,727
20 years$9,278$7,503$6,021$4,798$3,801$1,455
21 years$8,744$6,989$5,538$4,354$3,401$1,227
22 years$8,258$6,524$5,104$3,959$3,049$1,035
23 years$7,816$6,102$4,713$3,606$2,737$874
24 years$7,410$5,717$4,358$3,289$2,460$739
25 years$7,038$5,365$4,037$3,003$2,214$625
26 years$6,695$5,042$3,744$2,746$1,994$529
27 years$6,378$4,745$3,477$2,514$1,798$448
28 years$6,085$4,472$3,232$2,303$1,622$379
29 years$5,811$4,218$3,008$2,112$1,465$321
30 years$5,557$3,984$2,801$1,938$1,323$272
31 years$5,320$3,766$2,612$1,780$1,196$230
32 years$5,097$3,563$2,437$1,636$1,082$195
33 years$4,889$3,375$2,275$1,504$979$165
34 years$4,693$3,198$2,126$1,384$887$140
35 years$4,509$3,034$1,987$1,274$803$119
36 years$4,336$2,879$1,859$1,173$728$101
37 years$4,172$2,735$1,740$1,081$660$85
38 years$4,017$2,599$1,630$997$598$72
39 years$3,871$2,471$1,527$919$542$61
40 years$3,732$2,351$1,431$848$492$52
41 years$3,601$2,238$1,342$782$446$44
42 years$3,476$2,132$1,259$722$405$37
43 years$3,357$2,031$1,181$666$367$32
44 years$3,244$1,936$1,109$615$334$27
45 years$3,136$1,846$1,041$568$303$23
46 years$3,033$1,761$978$525$275$19
47 years$2,935$1,681$919$485$250$16
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 $5,902 every year, while hoping to spend $39,348 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: 42/31/27 Blend
34$2,730,000$2,730,000$2,730,000$2,730,000
35$3,014,548$2,869,858$2,827,543$3,117,106
36$3,280,166$2,968,615$2,880,400$3,290,125
37$3,571,558$3,070,892$2,933,708$3,473,217
38$3,891,312$3,176,821$2,987,442$3,670,744
39$4,242,277$3,286,537$3,041,574$3,884,063
40$4,627,594$3,400,182$3,096,071$4,114,663
41$5,050,720$3,517,902$3,150,900$4,364,184
42$5,515,465$3,639,851$3,206,027$4,634,429
43$6,026,025$3,766,186$3,261,412$4,927,381
44$6,587,024$3,897,074$3,317,014$5,245,223
45$7,203,555$4,032,685$3,372,788$5,590,354
46$7,881,229$4,173,197$3,428,687$5,965,417
47$8,626,227$4,318,796$3,484,661$6,373,319
48$9,445,359$4,469,675$3,540,654$6,817,260
49$10,346,130$4,626,033$3,596,611$7,300,761
50$11,336,806$4,788,080$3,652,468$7,827,701
51$12,426,495$4,956,030$3,708,160$8,402,345
52$13,625,232$5,130,110$3,763,618$9,029,394
53$14,944,075$5,310,555$3,818,768$9,714,021
54$16,395,205$5,497,606$3,873,531$10,461,920
55$17,992,045$5,691,518$3,927,824$11,279,365
56$19,749,386$5,892,555$3,981,558$12,173,261
57$21,683,523$6,100,990$4,034,641$13,151,215
58$23,812,413$6,317,110$4,086,972$14,221,603
59$26,155,841$6,541,209$4,138,447$15,393,649
60$28,735,607$6,773,599$4,188,955$16,677,513
61$31,575,733$7,014,599$4,238,379$18,084,386
62$34,702,689$7,264,545$4,286,595$19,626,592
63$38,145,640$7,523,785$4,333,473$21,317,709
64$41,936,725$7,792,680$4,378,875$23,172,691
65$46,111,358$8,071,609$4,422,654$25,208,010
66$50,708,562$8,360,964$4,464,659$27,441,814
67$55,771,337$8,661,152$4,504,727$29,894,092
68$61,347,066$8,972,601$4,542,687$32,586,867
69$67,487,962$9,295,754$4,578,362$35,544,398
70$74,251,559$9,631,070$4,611,562$38,793,413
71$81,701,257$9,979,032$4,642,089$42,363,357
72$89,906,919$10,340,139$4,669,733$46,286,671
73$98,945,532$10,714,912$4,694,276$50,599,093
74$108,901,928$11,103,895$4,715,486$55,340,002
75$119,869,591$11,507,653$4,733,121$60,552,782
76$131,951,536$11,926,774$4,746,927$66,285,232
77$145,261,279$12,361,872$4,756,635$72,590,018
78$159,923,912$12,813,587$4,761,966$79,525,167
79$176,077,283$13,282,584$4,762,623$87,154,615
80$193,873,292$13,769,557$4,758,298$95,548,808
81$213,479,333$14,275,231$4,748,666$104,785,366
82$235,079,866$14,800,357$4,733,386$114,949,816
83$258,878,160$15,345,723$4,712,103$126,136,396
84$285,098,215$15,912,146$4,684,441$138,448,942
85$313,986,872$16,500,480$4,650,009$152,001,872
86$345,816,144$17,111,615$4,608,395$166,921,260
87$380,885,784$17,746,477$4,559,170$183,346,024
88$419,526,114$18,406,035$4,501,882$201,429,240
89$462,101,142$19,091,294$4,436,059$221,339,581
90$509,011,998$19,803,308$4,361,207$243,262,912
91$560,700,723$20,543,171$4,276,809$267,404,039
92$617,654,437$21,312,027$4,182,322$293,988,641
93$680,409,941$22,111,067$4,077,181$323,265,402
94$749,558,780$22,941,535$3,960,792$355,508,351
95$825,752,833$23,804,727$3,832,535$391,019,453
96$909,710,459$24,701,996$3,691,762$430,131,453
97$1,002,223,284$25,634,752$3,537,795$473,211,017
98$1,104,163,672$26,604,468$3,369,924$520,662,191
99$1,216,492,958$27,612,678$3,187,408$572,930,212
100$1,340,270,526$28,660,986$2,989,472$630,505,712