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%20%
1 years$227,918$225,888$223,907$221,974$220,086$211,271
2 years$112,831$110,729$108,693$106,718$104,803$96,032
3 years$74,473$72,363$70,331$68,375$66,491$58,041
4 years$55,298$53,194$51,183$49,261$47,422$39,357
5 years$43,796$41,705$39,720$37,837$36,050$28,390
6 years$36,131$34,055$32,100$30,258$28,525$21,276
7 years$30,658$28,600$26,675$24,877$23,198$16,357
8 years$26,555$24,515$22,623$20,869$19,245$12,805
9 years$23,365$21,345$19,485$17,776$16,207$10,158
10 years$20,815$18,814$16,987$15,323$13,809$8,139
11 years$18,730$16,749$14,955$13,335$11,877$6,571
12 years$16,993$15,033$13,273$11,697$10,292$5,338
13 years$15,525$13,586$11,858$10,327$8,975$4,356
14 years$14,268$12,349$10,655$9,167$7,867$3,569
15 years$13,179$11,281$9,620$8,175$6,927$2,933
16 years$12,228$10,350$8,722$7,320$6,122$2,416
17 years$11,389$9,532$7,936$6,577$5,428$1,994
18 years$10,644$8,808$7,245$5,927$4,827$1,649
19 years$9,979$8,163$6,632$5,356$4,302$1,365
20 years$9,380$7,586$6,087$4,851$3,843$1,132
21 years$8,840$7,066$5,599$4,402$3,439$939
22 years$8,349$6,596$5,160$4,003$3,082$780
23 years$7,901$6,169$4,764$3,645$2,767$648
24 years$7,492$5,780$4,406$3,325$2,487$538
25 years$7,116$5,424$4,081$3,036$2,238$448
26 years$6,769$5,098$3,785$2,776$2,016$372
27 years$6,449$4,798$3,515$2,541$1,817$310
28 years$6,151$4,521$3,267$2,328$1,640$258
29 years$5,875$4,265$3,041$2,135$1,481$215
30 years$5,618$4,028$2,832$1,959$1,338$179
31 years$5,378$3,807$2,640$1,800$1,210$149
32 years$5,153$3,603$2,464$1,654$1,094$124
33 years$4,943$3,412$2,300$1,521$990$103
34 years$4,745$3,234$2,149$1,399$897$86
35 years$4,559$3,067$2,009$1,288$812$72
36 years$4,384$2,911$1,880$1,186$736$60
37 years$4,218$2,765$1,759$1,093$667$50
38 years$4,062$2,628$1,648$1,008$605$41
39 years$3,914$2,499$1,544$929$548$35
40 years$3,773$2,377$1,447$857$497$29
41 years$3,640$2,263$1,357$791$451$24
42 years$3,514$2,155$1,273$730$409$20
43 years$3,394$2,053$1,194$673$372$17
44 years$3,279$1,957$1,121$622$337$14
45 years$3,170$1,866$1,052$574$306$12
46 years$3,066$1,780$989$530$278$10
47 years$2,967$1,699$929$490$252$8
48 years$2,872$1,622$873$453$229$7
49 years$2,782$1,549$820$419$208$6
50 years$2,695$1,480$771$387$189$5

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 $2,583 every year, while hoping to spend $26,474 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: 29/43/28 Blend
34$2,760,000$2,760,000$2,760,000$2,760,000
35$3,044,184$2,897,904$2,855,124$3,106,074
36$3,326,523$3,011,734$2,922,603$3,269,027
37$3,636,773$3,130,253$2,991,455$3,441,615
38$3,977,753$3,253,665$3,061,698$3,626,634
39$4,352,569$3,382,180$3,133,350$3,825,178
40$4,764,643$3,516,018$3,206,429$4,038,445
41$5,217,743$3,655,410$3,280,951$4,267,748
42$5,716,024$3,800,596$3,356,933$4,514,528
43$6,264,060$3,951,827$3,434,393$4,780,364
44$6,866,894$4,109,366$3,513,345$5,066,992
45$7,530,080$4,273,487$3,593,804$5,376,315
46$8,259,737$4,444,478$3,675,786$5,710,422
47$9,062,610$4,622,637$3,759,304$6,071,607
48$9,946,128$4,808,277$3,844,373$6,462,391
49$10,918,477$5,001,727$3,931,003$6,885,540
50$11,988,678$5,203,328$4,019,208$7,344,095
51$13,166,669$5,413,437$4,108,998$7,841,398
52$14,463,403$5,632,429$4,200,383$8,381,119
53$15,890,947$5,860,695$4,293,372$8,967,293
54$17,462,596$6,098,642$4,387,973$9,604,357
55$19,193,003$6,346,697$4,484,192$10,297,188
56$21,098,312$6,605,308$4,582,035$11,051,149
57$23,196,313$6,874,941$4,681,506$11,872,135
58$25,506,608$7,156,084$4,782,608$12,766,633
59$28,050,797$7,449,248$4,885,341$13,741,777
60$30,852,683$7,754,966$4,989,704$14,805,413
61$33,938,494$8,073,796$5,095,697$15,966,176
62$37,337,131$8,406,323$5,203,313$17,233,562
63$41,080,441$8,753,155$5,312,547$18,618,025
64$45,203,519$9,114,933$5,423,390$20,131,064
65$49,745,037$9,492,323$5,535,832$21,785,337
66$54,747,608$9,886,025$5,649,860$23,594,774
67$60,258,192$10,296,768$5,765,458$25,574,707
68$66,328,535$10,725,316$5,882,608$27,742,013
69$73,015,658$11,172,470$6,001,289$30,115,269
70$80,382,400$11,639,065$6,121,476$32,714,927
71$88,498,002$12,125,977$6,243,143$35,563,503
72$97,438,768$12,634,119$6,366,258$38,685,786
73$107,288,782$13,164,451$6,490,787$42,109,069
74$118,140,702$13,717,974$6,616,693$45,863,406
75$130,096,635$14,295,736$6,743,934$49,981,888
76$143,269,099$14,898,834$6,872,463$54,500,956
77$157,782,086$15,528,416$7,002,230$59,460,738
78$173,772,234$16,185,683$7,133,179$64,905,427
79$191,390,112$16,871,892$7,265,251$70,883,691
80$210,801,647$17,588,358$7,398,380$77,449,133
81$232,189,686$18,336,458$7,532,496$84,660,787
82$255,755,722$19,117,633$7,667,523$92,583,674
83$281,721,798$19,933,389$7,803,378$101,289,412
84$310,332,602$20,785,306$7,939,972$110,856,883
85$341,857,776$21,675,035$8,077,210$121,372,978
86$376,594,463$22,604,306$8,214,990$132,933,409
87$414,870,108$23,574,926$8,353,202$145,643,604
88$457,045,554$24,588,793$8,491,729$159,619,704
89$503,518,444$25,647,887$8,630,445$174,989,645
90$554,726,978$26,754,286$8,769,218$191,894,365
91$611,154,046$27,910,163$8,907,903$210,489,126
92$673,331,790$29,117,792$9,046,349$230,944,971
93$741,846,625$30,379,556$9,184,394$253,450,336
94$817,344,775$31,697,949$9,321,866$278,212,816
95$900,538,375$33,075,581$9,458,581$305,461,120
96$992,212,192$34,515,187$9,594,346$335,447,221
97$1,093,231,034$36,019,630$9,728,955$368,448,727
98$1,204,547,914$37,591,905$9,862,189$404,771,490
99$1,327,213,045$39,235,153$9,993,817$444,752,487
100$1,462,383,759$40,952,659$10,123,593$488,762,990