Can I retire at age 35 with 2,760,000?

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 $2,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$227,918$225,888$223,907$221,974$220,086$214,505
2 years$112,831$110,729$108,693$106,718$104,803$99,216
3 years$74,473$72,363$70,331$68,375$66,491$61,073
4 years$55,298$53,194$51,183$49,261$47,422$42,215
5 years$43,796$41,705$39,720$37,837$36,050$31,068
6 years$36,131$34,055$32,100$30,258$28,525$23,773
7 years$30,658$28,600$26,675$24,877$23,198$18,678
8 years$26,555$24,515$22,623$20,869$19,245$14,953
9 years$23,365$21,345$19,485$17,776$16,207$12,140
10 years$20,815$18,814$16,987$15,323$13,809$9,962
11 years$18,730$16,749$14,955$13,335$11,877$8,244
12 years$16,993$15,033$13,273$11,697$10,292$6,868
13 years$15,525$13,586$11,858$10,327$8,975$5,752
14 years$14,268$12,349$10,655$9,167$7,867$4,838
15 years$13,179$11,281$9,620$8,175$6,927$4,084
16 years$12,228$10,350$8,722$7,320$6,122$3,458
17 years$11,389$9,532$7,936$6,577$5,428$2,935
18 years$10,644$8,808$7,245$5,927$4,827$2,497
19 years$9,979$8,163$6,632$5,356$4,302$2,127
20 years$9,380$7,586$6,087$4,851$3,843$1,815
21 years$8,840$7,066$5,599$4,402$3,439$1,551
22 years$8,349$6,596$5,160$4,003$3,082$1,326
23 years$7,901$6,169$4,764$3,645$2,767$1,135
24 years$7,492$5,780$4,406$3,325$2,487$973
25 years$7,116$5,424$4,081$3,036$2,238$834
26 years$6,769$5,098$3,785$2,776$2,016$715
27 years$6,449$4,798$3,515$2,541$1,817$614
28 years$6,151$4,521$3,267$2,328$1,640$527
29 years$5,875$4,265$3,041$2,135$1,481$452
30 years$5,618$4,028$2,832$1,959$1,338$389
31 years$5,378$3,807$2,640$1,800$1,210$334
32 years$5,153$3,603$2,464$1,654$1,094$287
33 years$4,943$3,412$2,300$1,521$990$247
34 years$4,745$3,234$2,149$1,399$897$212
35 years$4,559$3,067$2,009$1,288$812$182
36 years$4,384$2,911$1,880$1,186$736$157
37 years$4,218$2,765$1,759$1,093$667$135
38 years$4,062$2,628$1,648$1,008$605$116
39 years$3,914$2,499$1,544$929$548$100
40 years$3,773$2,377$1,447$857$497$86
41 years$3,640$2,263$1,357$791$451$74
42 years$3,514$2,155$1,273$730$409$64
43 years$3,394$2,053$1,194$673$372$55
44 years$3,279$1,957$1,121$622$337$47
45 years$3,170$1,866$1,052$574$306$40
46 years$3,066$1,780$989$530$278$35
47 years$2,967$1,699$929$490$252$30
48 years$2,872$1,622$873$453$229$26
49 years$2,782$1,549$820$419$208$22
50 years$2,695$1,480$771$387$189$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,760,000, adding $4,483 every year, while hoping to spend $51,611 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: 20/50/30 Blend
34$2,760,000$2,760,000$2,760,000$2,760,000
35$3,046,144$2,899,864$2,857,084$3,077,934
36$3,301,937$2,987,044$2,897,883$3,195,958
37$3,582,091$3,076,766$2,938,318$3,317,395
38$3,889,037$3,169,099$2,978,324$3,445,976
39$4,225,450$3,264,117$3,017,830$3,582,309
40$4,594,280$3,361,892$3,056,761$3,727,056
41$4,998,771$3,462,500$3,095,037$3,880,950
42$5,442,501$3,566,017$3,132,576$4,044,793
43$5,929,408$3,672,524$3,169,289$4,219,467
44$6,463,830$3,782,100$3,205,082$4,405,942
45$7,050,546$3,894,828$3,239,858$4,605,285
46$7,694,820$4,010,794$3,273,512$4,818,667
47$8,402,452$4,130,082$3,305,935$5,047,378
48$9,179,829$4,252,783$3,337,011$5,292,837
49$10,033,989$4,378,987$3,366,618$5,556,606
50$10,972,684$4,508,786$3,394,628$5,840,400
51$12,004,456$4,642,275$3,420,906$6,146,112
52$13,138,714$4,779,550$3,445,310$6,475,821
53$14,385,826$4,920,710$3,467,691$6,831,818
54$15,757,212$5,065,857$3,487,890$7,216,625
55$17,265,456$5,215,093$3,505,743$7,633,018
56$18,924,424$5,368,523$3,521,076$8,084,054
57$20,749,389$5,526,255$3,533,707$8,573,099
58$22,757,183$5,688,398$3,543,442$9,103,862
59$24,966,350$5,855,064$3,550,082$9,680,425
60$27,397,322$6,026,366$3,553,414$10,307,287
61$30,072,612$6,202,421$3,553,216$10,989,400
62$33,017,025$6,383,346$3,549,256$11,732,223
63$36,257,894$6,569,263$3,541,288$12,541,766
64$39,825,336$6,760,293$3,529,058$13,424,653
65$43,752,534$6,956,561$3,512,295$14,388,180
66$48,076,054$7,158,195$3,490,719$15,440,384
67$52,836,188$7,365,322$3,464,034$16,590,123
68$58,077,331$7,578,075$3,431,931$17,847,155
69$63,848,404$7,796,586$3,394,086$19,222,231
70$70,203,313$8,020,990$3,350,160$20,727,198
71$77,201,457$8,251,425$3,299,796$22,375,110
72$84,908,290$8,488,029$3,242,624$24,180,350
73$93,395,937$8,730,944$3,178,253$26,158,769
74$102,743,875$8,980,313$3,106,277$28,327,831
75$113,039,681$9,236,279$3,026,268$30,706,783
76$124,379,861$9,498,989$2,937,781$33,316,833
77$136,870,759$9,768,592$2,840,349$36,181,354
78$150,629,559$10,045,235$2,733,483$39,326,098
79$165,785,393$10,329,071$2,616,674$42,779,449
80$182,480,559$10,620,251$2,489,388$46,572,682
81$200,871,860$10,918,927$2,351,066$50,740,267
82$221,132,090$11,225,255$2,201,128$55,320,186
83$243,451,660$11,539,389$2,038,962$60,354,298
84$268,040,395$11,861,485$1,863,932$65,888,735
85$295,129,515$12,191,698$1,675,374$71,974,333
86$324,973,820$12,530,185$1,472,593$78,667,116
87$357,854,087$12,877,102$1,254,863$86,028,826
88$394,079,730$13,232,606$1,021,427$94,127,505
89$433,991,711$13,596,852$771,494$103,038,138
90$477,965,763$13,969,996$504,236$112,843,361
91$526,415,936$14,352,190$218,793$123,634,246
92$579,798,503$14,743,589$0$135,511,157
93$638,616,268$15,144,343$0$148,612,172
94$703,423,312$15,554,600$0$163,108,240
95$774,830,223$15,974,508$0$179,063,898
96$853,509,857$16,404,211$0$196,627,518
97$940,203,693$16,843,847$0$215,962,592
98$1,035,728,828$17,293,554$0$237,249,277
99$1,140,985,695$17,753,465$0$260,686,095
100$1,256,966,556$18,223,705$0$286,491,804