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%
1 years$227,918$225,888$223,907$221,974$220,086$214,679
2 years$112,831$110,729$108,693$106,718$104,803$99,388
3 years$74,473$72,363$70,331$68,375$66,491$61,239
4 years$55,298$53,194$51,183$49,261$47,422$42,372
5 years$43,796$41,705$39,720$37,837$36,050$31,216
6 years$36,131$34,055$32,100$30,258$28,525$23,913
7 years$30,658$28,600$26,675$24,877$23,198$18,809
8 years$26,555$24,515$22,623$20,869$19,245$15,076
9 years$23,365$21,345$19,485$17,776$16,207$12,254
10 years$20,815$18,814$16,987$15,323$13,809$10,069
11 years$18,730$16,749$14,955$13,335$11,877$8,343
12 years$16,993$15,033$13,273$11,697$10,292$6,959
13 years$15,525$13,586$11,858$10,327$8,975$5,836
14 years$14,268$12,349$10,655$9,167$7,867$4,916
15 years$13,179$11,281$9,620$8,175$6,927$4,156
16 years$12,228$10,350$8,722$7,320$6,122$3,524
17 years$11,389$9,532$7,936$6,577$5,428$2,995
18 years$10,644$8,808$7,245$5,927$4,827$2,551
19 years$9,979$8,163$6,632$5,356$4,302$2,177
20 years$9,380$7,586$6,087$4,851$3,843$1,861
21 years$8,840$7,066$5,599$4,402$3,439$1,592
22 years$8,349$6,596$5,160$4,003$3,082$1,364
23 years$7,901$6,169$4,764$3,645$2,767$1,169
24 years$7,492$5,780$4,406$3,325$2,487$1,003
25 years$7,116$5,424$4,081$3,036$2,238$861
26 years$6,769$5,098$3,785$2,776$2,016$740
27 years$6,449$4,798$3,515$2,541$1,817$636
28 years$6,151$4,521$3,267$2,328$1,640$547
29 years$5,875$4,265$3,041$2,135$1,481$470
30 years$5,618$4,028$2,832$1,959$1,338$405
31 years$5,378$3,807$2,640$1,800$1,210$348
32 years$5,153$3,603$2,464$1,654$1,094$300
33 years$4,943$3,412$2,300$1,521$990$258
34 years$4,745$3,234$2,149$1,399$897$222
35 years$4,559$3,067$2,009$1,288$812$192
36 years$4,384$2,911$1,880$1,186$736$165
37 years$4,218$2,765$1,759$1,093$667$142
38 years$4,062$2,628$1,648$1,008$605$122
39 years$3,914$2,499$1,544$929$548$106
40 years$3,773$2,377$1,447$857$497$91
41 years$3,640$2,263$1,357$791$451$78
42 years$3,514$2,155$1,273$730$409$68
43 years$3,394$2,053$1,194$673$372$58
44 years$3,279$1,957$1,121$622$337$50
45 years$3,170$1,866$1,052$574$306$43
46 years$3,066$1,780$989$530$278$37
47 years$2,967$1,699$929$490$252$32
48 years$2,872$1,622$873$453$229$28
49 years$2,782$1,549$820$419$208$24
50 years$2,695$1,480$771$387$189$21

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 $6,878 every year, while hoping to spend $54,789 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: 47/48/5 Blend
34$2,760,000$2,760,000$2,760,000$2,760,000
35$3,048,615$2,902,335$2,859,555$3,187,632
36$3,301,278$2,986,254$2,897,055$3,367,471
37$3,577,877$3,072,449$2,933,975$3,556,176
38$3,880,795$3,160,974$2,970,237$3,759,656
39$4,212,657$3,251,882$3,005,761$3,979,293
40$4,576,353$3,345,230$3,040,459$4,216,609
41$4,975,068$3,441,072$3,074,241$4,473,275
42$5,412,307$3,539,467$3,107,010$4,751,133
43$5,891,933$3,640,471$3,138,666$5,052,205
44$6,418,199$3,744,143$3,169,100$5,378,720
45$6,995,790$3,850,542$3,198,200$5,733,127
46$7,629,869$3,959,726$3,225,848$6,118,125
47$8,326,119$4,071,756$3,251,917$6,536,681
48$9,090,805$4,186,693$3,276,277$6,992,063
49$9,930,823$4,304,598$3,298,790$7,487,867
50$10,853,776$4,425,532$3,319,308$8,028,055
51$11,868,035$4,549,557$3,337,678$8,616,986
52$12,982,824$4,676,735$3,353,740$9,259,461
53$14,208,306$4,807,129$3,367,324$9,960,765
54$15,555,676$4,940,801$3,378,252$10,726,721
55$17,037,268$5,077,813$3,386,337$11,563,738
56$18,666,673$5,218,229$3,391,383$12,478,877
57$20,458,862$5,362,111$3,393,183$13,479,913
58$22,430,333$5,509,521$3,391,521$14,575,413
59$24,599,260$5,660,522$3,386,170$15,774,808
60$26,985,671$5,815,173$3,376,893$17,088,490
61$29,611,630$5,973,538$3,363,440$18,527,907
62$32,501,450$6,135,674$3,345,549$20,105,666
63$35,681,919$6,301,643$3,322,945$21,835,659
64$39,182,553$6,471,502$3,295,342$23,733,189
65$43,035,875$6,645,308$3,262,438$25,815,113
66$47,277,723$6,823,116$3,223,918$28,100,005
67$51,947,583$7,004,981$3,179,452$30,608,328
68$57,088,966$7,190,954$3,128,693$33,362,625
69$62,749,816$7,381,087$3,071,279$36,387,737
70$68,982,962$7,575,425$3,006,833$39,711,030
71$75,846,619$7,774,015$2,934,956$43,362,657
72$83,404,931$7,976,900$2,855,234$47,375,844
73$91,728,583$8,184,117$2,767,234$51,787,197
74$100,895,462$8,395,702$2,670,500$56,637,052
75$110,991,396$8,611,688$2,564,558$61,969,855
76$122,110,960$8,832,102$2,448,912$67,834,579
77$134,358,370$9,056,968$2,323,043$74,285,187
78$147,848,467$9,286,303$2,186,409$81,381,141
79$162,707,799$9,520,119$2,038,441$89,187,963
80$179,075,814$9,758,425$1,878,549$97,777,851
81$197,106,179$10,001,220$1,706,112$107,230,366
82$216,968,228$10,248,498$1,520,485$117,633,174
83$238,848,557$10,500,244$1,320,992$129,082,882
84$262,952,792$10,756,438$1,106,927$141,685,943
85$289,507,521$11,017,048$877,554$155,559,665
86$318,762,440$11,282,035$632,103$170,833,314
87$350,992,703$11,551,349$369,772$187,649,338
88$386,501,522$11,824,928$89,723$206,164,710
89$425,623,028$12,102,701$0$226,552,408
90$468,725,427$12,384,583$0$249,014,210
91$516,214,469$12,670,476$0$273,754,848
92$568,537,283$12,960,268$0$301,001,059
93$626,186,596$13,253,831$0$331,007,983
94$689,705,381$13,551,021$0$364,056,775
95$759,691,988$13,851,679$0$400,457,263
96$836,805,782$14,155,623$0$440,550,869
97$921,773,378$14,462,654$0$484,713,835
98$1,015,395,491$14,772,553$0$533,360,774
99$1,118,554,498$15,085,075$0$586,948,581
100$1,232,222,767$15,399,954$0$645,980,750