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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.5%
1 years$227,918$225,888$223,907$221,974$220,086$218,699
2 years$112,831$110,729$108,693$106,718$104,803$103,404
3 years$74,473$72,363$70,331$68,375$66,491$65,123
4 years$55,298$53,194$51,183$49,261$47,422$46,096
5 years$43,796$41,705$39,720$37,837$36,050$34,769
6 years$36,131$34,055$32,100$30,258$28,525$27,292
7 years$30,658$28,600$26,675$24,877$23,198$22,013
8 years$26,555$24,515$22,623$20,869$19,245$18,108
9 years$23,365$21,345$19,485$17,776$16,207$15,118
10 years$20,815$18,814$16,987$15,323$13,809$12,767
11 years$18,730$16,749$14,955$13,335$11,877$10,881
12 years$16,993$15,033$13,273$11,697$10,292$9,342
13 years$15,525$13,586$11,858$10,327$8,975$8,069
14 years$14,268$12,349$10,655$9,167$7,867$7,005
15 years$13,179$11,281$9,620$8,175$6,927$6,107
16 years$12,228$10,350$8,722$7,320$6,122$5,343
17 years$11,389$9,532$7,936$6,577$5,428$4,689
18 years$10,644$8,808$7,245$5,927$4,827$4,126
19 years$9,979$8,163$6,632$5,356$4,302$3,639
20 years$9,380$7,586$6,087$4,851$3,843$3,216
21 years$8,840$7,066$5,599$4,402$3,439$2,847
22 years$8,349$6,596$5,160$4,003$3,082$2,524
23 years$7,901$6,169$4,764$3,645$2,767$2,240
24 years$7,492$5,780$4,406$3,325$2,487$1,991
25 years$7,116$5,424$4,081$3,036$2,238$1,771
26 years$6,769$5,098$3,785$2,776$2,016$1,577
27 years$6,449$4,798$3,515$2,541$1,817$1,405
28 years$6,151$4,521$3,267$2,328$1,640$1,253
29 years$5,875$4,265$3,041$2,135$1,481$1,118
30 years$5,618$4,028$2,832$1,959$1,338$998
31 years$5,378$3,807$2,640$1,800$1,210$892
32 years$5,153$3,603$2,464$1,654$1,094$797
33 years$4,943$3,412$2,300$1,521$990$712
34 years$4,745$3,234$2,149$1,399$897$637
35 years$4,559$3,067$2,009$1,288$812$570
36 years$4,384$2,911$1,880$1,186$736$510
37 years$4,218$2,765$1,759$1,093$667$456
38 years$4,062$2,628$1,648$1,008$605$408
39 years$3,914$2,499$1,544$929$548$366
40 years$3,773$2,377$1,447$857$497$327
41 years$3,640$2,263$1,357$791$451$293
42 years$3,514$2,155$1,273$730$409$263
43 years$3,394$2,053$1,194$673$372$235
44 years$3,279$1,957$1,121$622$337$211
45 years$3,170$1,866$1,052$574$306$189
46 years$3,066$1,780$989$530$278$169
47 years$2,967$1,699$929$490$252$152
48 years$2,872$1,622$873$453$229$136
49 years$2,782$1,549$820$419$208$122
50 years$2,695$1,480$771$387$189$109

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 $6,376 every year, while hoping to spend $31,318 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: 83/9/8 Blend
34$2,760,000$2,760,000$2,760,000$2,760,000
35$3,048,097$2,901,817$2,859,037$3,297,715
36$3,325,681$3,010,684$2,921,492$3,570,712
37$3,630,528$3,123,836$2,984,991$3,865,573
38$3,965,388$3,241,449$3,049,533$4,188,395
39$4,333,286$3,363,709$3,115,122$4,541,965
40$4,737,558$3,490,807$3,181,755$4,929,350
41$5,181,877$3,622,945$3,249,432$5,353,931
42$5,670,291$3,760,332$3,318,151$5,819,429
43$6,207,260$3,903,187$3,387,907$6,329,943
44$6,797,694$4,051,737$3,458,696$6,889,987
45$7,447,008$4,206,221$3,530,512$7,504,534
46$8,161,164$4,366,888$3,603,345$8,179,062
47$8,946,733$4,533,995$3,677,187$8,919,604
48$9,810,954$4,707,815$3,752,027$9,732,805
49$10,761,802$4,888,628$3,827,851$10,625,987
50$11,808,065$5,076,731$3,904,643$11,607,215
51$12,959,428$5,272,431$3,982,389$12,685,372
52$14,226,557$5,476,048$4,061,067$13,870,247
53$15,621,210$5,687,918$4,140,657$15,172,622
54$17,156,339$5,908,392$4,221,134$16,604,375
55$18,846,217$6,137,834$4,302,474$18,178,594
56$20,706,571$6,376,628$4,384,646$19,909,697
57$22,754,728$6,625,170$4,467,619$21,813,569
58$25,009,785$6,883,877$4,551,358$23,907,712
59$27,492,780$7,153,185$4,635,826$26,211,408
60$30,226,900$7,433,546$4,720,982$28,745,904
61$33,237,689$7,725,436$4,806,780$31,534,606
62$36,553,300$8,029,349$4,893,174$34,603,308
63$40,204,753$8,345,803$4,980,111$37,980,425
64$44,226,228$8,675,338$5,067,536$41,697,270
65$48,655,393$9,018,519$5,155,388$45,788,343
66$53,533,752$9,375,935$5,243,602$50,291,657
67$58,907,042$9,748,204$5,332,111$55,249,099
68$64,825,663$10,135,968$5,420,839$60,706,821
69$71,345,151$10,539,901$5,509,708$66,715,679
70$78,526,707$10,960,706$5,598,633$73,331,709
71$86,437,767$11,399,118$5,687,524$80,616,656
72$95,152,649$11,855,903$5,776,284$88,638,558
73$104,753,242$12,331,865$5,864,813$97,472,386
74$115,329,789$12,827,843$5,953,001$107,200,750
75$126,981,732$13,344,713$6,040,731$117,914,681
76$139,818,656$13,883,391$6,127,883$129,714,487
77$153,961,317$14,444,834$6,214,325$142,710,699
78$169,542,785$15,030,046$6,299,919$157,025,115
79$186,709,702$15,640,070$6,384,519$172,791,948
80$205,623,661$16,276,004$6,467,970$190,159,094
81$226,462,736$16,938,989$6,550,108$209,289,522
82$249,423,158$17,630,222$6,630,759$230,362,819
83$274,721,171$18,350,955$6,709,741$253,576,876
84$302,595,073$19,102,494$6,786,860$279,149,761
85$333,307,462$19,886,208$6,861,911$307,321,777
86$367,147,717$20,703,525$6,934,679$338,357,724
87$404,434,728$21,555,943$7,004,935$372,549,402
88$445,519,911$22,445,024$7,072,440$410,218,362
89$490,790,516$23,372,404$7,136,942$451,718,944
90$540,673,292$24,339,795$7,198,172$497,441,616
91$595,638,508$25,348,986$7,255,851$547,816,661
92$656,204,397$26,401,847$7,309,684$603,318,239
93$722,942,046$27,500,338$7,359,359$664,468,860
94$796,480,786$28,646,507$7,404,549$731,844,315
95$877,514,136$29,842,495$7,444,911$806,079,110
96$966,806,345$31,090,544$7,480,082$887,872,459
97$1,065,199,610$32,392,999$7,509,684$977,994,874
98$1,173,622,028$33,752,314$7,533,316$1,077,295,449
99$1,293,096,353$35,171,055$7,550,559$1,186,709,862
100$1,424,749,652$36,651,908$7,560,974$1,307,269,217