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%12.2%
1 years$227,092$225,070$223,096$221,170$219,289$217,270
2 years$112,422$110,328$108,299$106,332$104,423$102,389
3 years$74,204$72,101$70,077$68,128$66,250$64,264
4 years$55,098$53,002$50,998$49,082$47,250$45,327
5 years$43,638$41,554$39,576$37,700$35,919$34,065
6 years$36,000$33,932$31,984$30,149$28,421$26,638
7 years$30,547$28,496$26,579$24,787$23,114$21,403
8 years$26,458$24,426$22,541$20,793$19,175$17,536
9 years$23,280$21,268$19,414$17,711$16,149$14,581
10 years$20,740$18,746$16,926$15,267$13,759$12,262
11 years$18,662$16,689$14,901$13,287$11,834$10,405
12 years$16,932$14,979$13,224$11,655$10,255$8,894
13 years$15,469$13,537$11,815$10,289$8,942$7,648
14 years$14,216$12,304$10,616$9,134$7,839$6,609
15 years$13,132$11,240$9,585$8,146$6,902$5,735
16 years$12,184$10,313$8,690$7,293$6,100$4,994
17 years$11,348$9,498$7,908$6,553$5,409$4,362
18 years$10,606$8,776$7,219$5,906$4,809$3,819
19 years$9,943$8,134$6,608$5,336$4,286$3,351
20 years$9,346$7,558$6,065$4,833$3,829$2,946
21 years$8,808$7,040$5,578$4,386$3,426$2,595
22 years$8,319$6,572$5,141$3,988$3,071$2,288
23 years$7,873$6,146$4,747$3,632$2,757$2,020
24 years$7,465$5,759$4,390$3,313$2,478$1,786
25 years$7,090$5,404$4,066$3,025$2,230$1,580
26 years$6,744$5,079$3,771$2,766$2,008$1,399
27 years$6,425$4,780$3,502$2,532$1,811$1,240
28 years$6,129$4,504$3,256$2,320$1,634$1,100
29 years$5,854$4,249$3,030$2,127$1,475$976
30 years$5,598$4,013$2,822$1,952$1,333$866
31 years$5,359$3,794$2,631$1,793$1,205$769
32 years$5,135$3,590$2,455$1,648$1,090$683
33 years$4,925$3,399$2,292$1,515$987$607
34 years$4,728$3,222$2,141$1,394$893$540
35 years$4,542$3,056$2,002$1,284$809$480
36 years$4,368$2,900$1,873$1,182$733$427
37 years$4,203$2,755$1,753$1,089$664$380
38 years$4,047$2,618$1,642$1,004$602$338
39 years$3,899$2,489$1,538$926$546$301
40 years$3,760$2,369$1,442$854$495$268
41 years$3,627$2,255$1,352$788$449$239
42 years$3,501$2,147$1,268$727$408$212
43 years$3,381$2,046$1,190$671$370$189
44 years$3,267$1,950$1,117$620$336$168
45 years$3,159$1,860$1,049$572$305$150
46 years$3,055$1,774$985$529$277$134
47 years$2,956$1,693$925$488$251$119
48 years$2,862$1,616$870$451$228$106
49 years$2,771$1,543$817$417$207$94
50 years$2,685$1,474$768$385$188$84

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 $3,212 every year, while hoping to spend $48,257 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: 59/13/28 Blend
34$2,750,000$2,750,000$2,750,000$2,750,000
35$3,033,813$2,888,063$2,845,438$3,189,531
36$3,291,917$2,978,233$2,889,415$3,386,518
37$3,574,730$3,071,204$2,933,248$3,595,883
38$3,884,722$3,167,062$2,976,881$3,823,259
39$4,224,612$3,265,897$3,020,255$4,070,409
40$4,597,396$3,367,799$3,063,307$4,339,275
41$5,006,372$3,472,864$3,105,970$4,631,996
42$5,455,176$3,581,188$3,148,174$4,950,927
43$5,947,809$3,692,871$3,189,843$5,298,664
44$6,488,682$3,808,018$3,230,899$5,678,064
45$7,082,650$3,926,734$3,271,257$6,092,277
46$7,735,066$4,049,129$3,310,829$6,544,769
47$8,451,822$4,175,316$3,349,521$7,039,362
48$9,239,412$4,305,411$3,387,235$7,580,264
49$10,104,990$4,439,534$3,423,865$8,172,115
50$11,056,437$4,577,808$3,459,302$8,820,021
51$12,102,434$4,720,362$3,493,430$9,529,613
52$13,252,548$4,867,325$3,526,125$10,307,092
53$14,517,316$5,018,832$3,557,259$11,159,292
54$15,908,351$5,175,023$3,586,695$12,093,741
55$17,438,445$5,336,042$3,614,291$13,118,736
56$19,121,692$5,502,034$3,639,897$14,243,417
57$20,973,624$5,673,153$3,663,352$15,477,857
58$23,011,350$5,849,554$3,684,491$16,833,155
59$25,253,725$6,031,399$3,703,139$18,321,539
60$27,721,521$6,218,854$3,719,110$19,956,487
61$30,437,628$6,412,089$3,732,212$21,752,846
62$33,427,266$6,611,281$3,742,241$23,726,982
63$36,718,224$6,816,611$3,748,983$25,896,924
64$40,341,124$7,028,266$3,752,214$28,282,543
65$44,329,705$7,246,437$3,751,700$30,905,734
66$48,721,145$7,471,323$3,747,192$33,790,626
67$53,556,412$7,703,128$3,738,433$36,963,808
68$58,880,645$7,942,060$3,725,150$40,454,578
69$64,743,587$8,188,337$3,707,058$44,295,227
70$71,200,048$8,442,181$3,683,860$48,521,334
71$78,310,425$8,703,821$3,655,242$53,172,110
72$86,141,272$8,973,491$3,620,876$58,290,764
73$94,765,926$9,251,437$3,580,420$63,924,912
74$104,265,199$9,537,906$3,533,512$70,127,028
75$114,728,143$9,833,156$3,479,778$76,954,937
76$126,252,885$10,137,452$3,418,822$84,472,363
77$138,947,558$10,451,067$3,350,232$92,749,530
78$152,931,320$10,774,280$3,273,576$101,863,824
79$168,335,476$11,107,381$3,188,402$111,900,527
80$185,304,718$11,450,666$3,094,237$122,953,619
81$203,998,492$11,804,441$2,990,587$135,126,668
82$224,592,501$12,169,022$2,876,934$148,533,806
83$247,280,363$12,544,731$2,752,738$163,300,807
84$272,275,439$12,931,901$2,617,433$179,566,277
85$299,812,845$13,330,876$2,470,429$197,482,960
86$330,151,675$13,742,008$2,311,108$217,219,183
87$363,577,439$14,165,660$2,138,824$238,960,443
88$400,404,766$14,602,206$1,952,902$262,911,162
89$440,980,366$15,052,028$1,752,639$289,296,612
90$485,686,309$15,515,523$1,537,297$318,365,048
91$534,943,625$15,993,096$1,306,109$350,390,051
92$589,216,283$16,485,165$1,058,272$385,673,108
93$649,015,566$16,992,161$792,947$424,546,463
94$714,904,902$17,514,525$509,259$467,376,252
95$787,505,177$18,052,712$206,294$514,565,961
96$867,500,600$18,607,190$0$566,560,239
97$955,645,157$19,178,438$0$623,884,052
98$1,052,769,734$19,766,952$0$687,110,475
99$1,159,789,953$20,373,239$0$756,773,199
100$1,277,714,823$20,997,822$0$833,528,329