Can I retire at age 35 with 2,750,000?

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 $2,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$227,092$225,070$223,096$221,170$219,289$217,542
2 years$112,422$110,328$108,299$106,332$104,423$102,663
3 years$74,204$72,101$70,077$68,128$66,250$64,530
4 years$55,098$53,002$50,998$49,082$47,250$45,584
5 years$43,638$41,554$39,576$37,700$35,919$34,311
6 years$36,000$33,932$31,984$30,149$28,421$26,875
7 years$30,547$28,496$26,579$24,787$23,114$21,629
8 years$26,458$24,426$22,541$20,793$19,175$17,751
9 years$23,280$21,268$19,414$17,711$16,149$14,785
10 years$20,740$18,746$16,926$15,267$13,759$12,457
11 years$18,662$16,689$14,901$13,287$11,834$10,590
12 years$16,932$14,979$13,224$11,655$10,255$9,069
13 years$15,469$13,537$11,815$10,289$8,942$7,814
14 years$14,216$12,304$10,616$9,134$7,839$6,766
15 years$13,132$11,240$9,585$8,146$6,902$5,883
16 years$12,184$10,313$8,690$7,293$6,100$5,133
17 years$11,348$9,498$7,908$6,553$5,409$4,492
18 years$10,606$8,776$7,219$5,906$4,809$3,942
19 years$9,943$8,134$6,608$5,336$4,286$3,467
20 years$9,346$7,558$6,065$4,833$3,829$3,054
21 years$8,808$7,040$5,578$4,386$3,426$2,696
22 years$8,319$6,572$5,141$3,988$3,071$2,383
23 years$7,873$6,146$4,747$3,632$2,757$2,109
24 years$7,465$5,759$4,390$3,313$2,478$1,868
25 years$7,090$5,404$4,066$3,025$2,230$1,657
26 years$6,744$5,079$3,771$2,766$2,008$1,471
27 years$6,425$4,780$3,502$2,532$1,811$1,306
28 years$6,129$4,504$3,256$2,320$1,634$1,161
29 years$5,854$4,249$3,030$2,127$1,475$1,033
30 years$5,598$4,013$2,822$1,952$1,333$919
31 years$5,359$3,794$2,631$1,793$1,205$818
32 years$5,135$3,590$2,455$1,648$1,090$729
33 years$4,925$3,399$2,292$1,515$987$649
34 years$4,728$3,222$2,141$1,394$893$579
35 years$4,542$3,056$2,002$1,284$809$516
36 years$4,368$2,900$1,873$1,182$733$460
37 years$4,203$2,755$1,753$1,089$664$410
38 years$4,047$2,618$1,642$1,004$602$366
39 years$3,899$2,489$1,538$926$546$327
40 years$3,760$2,369$1,442$854$495$292
41 years$3,627$2,255$1,352$788$449$260
42 years$3,501$2,147$1,268$727$408$232
43 years$3,381$2,046$1,190$671$370$207
44 years$3,267$1,950$1,117$620$336$185
45 years$3,159$1,860$1,049$572$305$165
46 years$3,055$1,774$985$529$277$148
47 years$2,956$1,693$925$488$251$132
48 years$2,862$1,616$870$451$228$118
49 years$2,771$1,543$817$417$207$105
50 years$2,685$1,474$768$385$188$94

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,750,000, adding $5,745 every year, while hoping to spend $35,256 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: 77/5/18 Blend
34$2,750,000$2,750,000$2,750,000$2,750,000
35$3,036,426$2,890,676$2,848,051$3,257,452
36$3,308,629$2,994,807$2,905,949$3,508,440
37$3,607,416$3,102,859$2,964,604$3,778,654
38$3,935,460$3,214,986$3,024,006$4,074,050
39$4,295,707$3,331,351$3,084,140$4,397,133
40$4,691,402$3,452,120$3,144,992$4,750,664
41$5,126,121$3,577,470$3,206,545$5,137,682
42$5,603,801$3,707,582$3,268,780$5,561,535
43$6,128,781$3,842,645$3,331,677$6,025,910
44$6,705,841$3,982,859$3,395,212$6,534,870
45$7,340,246$4,128,430$3,459,362$7,092,889
46$8,037,799$4,279,570$3,524,098$7,704,897
47$8,804,892$4,436,506$3,589,392$8,376,323
48$9,648,565$4,599,469$3,655,211$9,113,151
49$10,576,579$4,768,703$3,721,521$9,921,968
50$11,597,482$4,944,462$3,788,283$10,810,038
51$12,720,692$5,127,008$3,855,458$11,785,357
52$13,956,589$5,316,617$3,923,002$12,856,738
53$15,316,606$5,513,577$3,990,868$14,033,892
54$16,813,343$5,718,185$4,059,005$15,327,515
55$18,460,682$5,930,754$4,127,360$16,749,393
56$20,273,920$6,151,609$4,195,875$18,312,512
57$22,269,911$6,381,089$4,264,488$20,031,182
58$24,467,226$6,619,547$4,333,132$21,921,166
59$26,886,330$6,867,351$4,401,739$23,999,836
60$29,549,771$7,124,887$4,470,233$26,286,332
61$32,482,395$7,392,554$4,538,533$28,801,743
62$35,711,582$7,670,772$4,606,556$31,569,307
63$39,267,499$7,959,975$4,674,212$34,614,629
64$43,183,389$8,260,619$4,741,403$37,965,925
65$47,495,885$8,573,180$4,808,030$41,654,283
66$52,245,350$8,898,150$4,873,984$45,713,962
67$57,476,265$9,236,049$4,939,152$50,182,709
68$63,237,642$9,587,414$5,003,412$55,102,120
69$69,583,493$9,952,808$5,066,637$60,518,032
70$76,573,331$10,332,818$5,128,691$66,480,951
71$84,272,741$10,728,056$5,189,433$73,046,534
72$92,753,993$11,139,163$5,248,711$80,276,110
73$102,096,723$11,566,805$5,306,366$88,237,259
74$112,388,689$12,011,679$5,362,230$97,004,454
75$123,726,596$12,474,511$5,416,125$106,659,758
76$136,217,009$12,956,062$5,467,865$117,293,600
77$149,977,358$13,457,123$5,517,252$129,005,630
78$165,137,048$13,978,522$5,564,080$141,905,659
79$181,838,680$14,521,123$5,608,130$156,114,694
80$200,239,395$15,085,827$5,649,171$171,766,080
81$220,512,357$15,673,576$5,686,962$189,006,760
82$242,848,390$16,285,355$5,721,249$207,998,658
83$267,457,778$16,922,189$5,751,762$228,920,215
84$294,572,247$17,585,152$5,778,222$251,968,063
85$324,447,155$18,275,364$5,800,332$277,358,888
86$357,363,904$18,993,995$5,817,782$305,331,474
87$393,632,589$19,742,268$5,830,245$336,148,955
88$433,594,934$20,521,460$5,837,379$370,101,299
89$477,627,511$21,332,905$5,838,824$407,508,047
90$526,145,296$22,177,996$5,834,203$448,721,325
91$579,605,588$23,058,190$5,823,121$494,129,175
92$638,512,324$23,975,007$5,805,162$544,159,209
93$703,420,837$24,930,038$5,779,890$599,282,652
94$774,943,096$25,924,944$5,746,850$660,018,789
95$853,753,485$26,961,460$5,705,564$726,939,863
96$940,595,169$28,041,400$5,655,529$800,676,481
97$1,036,287,109$29,166,661$5,596,221$881,923,567
98$1,141,731,789$30,339,223$5,527,090$971,446,919
99$1,257,923,745$31,561,157$5,447,560$1,070,090,440
100$1,385,958,941$32,834,629$5,357,029$1,178,784,103