Can I retire at age 35 with 2,770,000?

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 $2,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$228,744$226,706$224,719$222,778$220,884$212,456
2 years$113,240$111,131$109,087$107,105$105,183$96,791
3 years$74,743$72,625$70,586$68,623$66,732$58,640
4 years$55,499$53,387$51,369$49,439$47,594$39,864
5 years$43,955$41,856$39,864$37,974$36,180$28,832
6 years$36,262$34,179$32,216$30,368$28,628$21,667
7 years$30,769$28,703$26,772$24,967$23,282$16,705
8 years$26,651$24,604$22,705$20,944$19,315$13,116
9 years$23,450$21,422$19,556$17,840$16,266$10,437
10 years$20,890$18,883$17,049$15,378$13,859$8,389
11 years$18,798$16,810$15,010$13,384$11,920$6,795
12 years$17,055$15,088$13,321$11,739$10,329$5,538
13 years$15,582$13,635$11,901$10,364$9,007$4,536
14 years$14,320$12,394$10,693$9,200$7,896$3,729
15 years$13,227$11,322$9,655$8,205$6,952$3,075
16 years$12,272$10,388$8,753$7,347$6,144$2,543
17 years$11,430$9,567$7,965$6,601$5,448$2,107
18 years$10,683$8,840$7,271$5,949$4,844$1,748
19 years$10,015$8,193$6,656$5,375$4,318$1,453
20 years$9,414$7,613$6,109$4,868$3,857$1,209
21 years$8,872$7,091$5,619$4,418$3,451$1,007
22 years$8,379$6,620$5,179$4,017$3,093$839
23 years$7,930$6,191$4,782$3,659$2,777$700
24 years$7,519$5,801$4,422$3,337$2,496$584
25 years$7,141$5,444$4,096$3,047$2,246$488
26 years$6,794$5,116$3,799$2,786$2,023$407
27 years$6,472$4,815$3,527$2,550$1,824$340
28 years$6,174$4,537$3,279$2,337$1,646$284
29 years$5,897$4,280$3,052$2,143$1,486$238
30 years$5,639$4,042$2,842$1,967$1,343$199
31 years$5,398$3,821$2,650$1,806$1,214$166
32 years$5,172$3,616$2,472$1,660$1,098$139
33 years$4,961$3,424$2,309$1,526$994$116
34 years$4,762$3,245$2,157$1,404$900$97
35 years$4,575$3,078$2,017$1,293$815$81
36 years$4,399$2,922$1,886$1,191$738$68
37 years$4,233$2,775$1,766$1,097$669$57
38 years$4,076$2,637$1,654$1,011$607$48
39 years$3,928$2,508$1,549$932$550$40
40 years$3,787$2,386$1,452$860$499$33
41 years$3,653$2,271$1,362$793$453$28
42 years$3,527$2,163$1,277$732$411$23
43 years$3,406$2,061$1,198$676$373$20
44 years$3,291$1,964$1,125$624$338$16
45 years$3,182$1,873$1,056$576$307$14
46 years$3,077$1,787$992$532$279$11
47 years$2,978$1,705$932$492$253$10
48 years$2,883$1,628$876$455$230$8
49 years$2,792$1,555$823$420$209$7
50 years$2,704$1,485$774$388$190$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,770,000, adding $6,974 every year, while hoping to spend $52,553 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: 70/23/7 Blend
34$2,770,000$2,770,000$2,770,000$2,770,000
35$3,059,734$2,912,924$2,869,989$3,270,097
36$3,315,911$2,999,741$2,910,217$3,496,934
37$3,596,456$3,089,051$2,950,032$3,737,925
38$3,903,800$3,180,920$2,989,364$4,000,176
39$4,240,620$3,275,417$3,028,140$4,285,762
40$4,609,862$3,372,611$3,066,281$4,596,969
41$5,014,772$3,472,574$3,103,706$4,936,312
42$5,458,927$3,575,378$3,140,328$5,306,561
43$5,946,264$3,681,098$3,176,055$5,710,764
44$6,481,120$3,789,809$3,210,791$6,152,281
45$7,068,275$3,901,590$3,244,433$6,634,807
46$7,712,991$4,016,520$3,276,874$7,162,415
47$8,421,067$4,134,680$3,307,999$7,739,589
48$9,198,888$4,256,152$3,337,690$8,371,266
49$10,053,492$4,381,021$3,365,820$9,062,887
50$10,992,629$4,509,372$3,392,256$9,820,442
51$12,024,840$4,641,293$3,416,859$10,650,529
52$13,159,531$4,776,874$3,439,481$11,560,416
53$14,407,068$4,916,206$3,459,968$12,558,110
54$15,778,869$5,059,380$3,478,157$13,652,431
55$17,287,516$5,206,492$3,493,877$14,853,094
56$18,946,869$5,357,637$3,506,949$16,170,801
57$20,772,202$5,512,913$3,517,184$17,617,345
58$22,780,340$5,672,419$3,524,383$19,205,715
59$24,989,823$5,836,256$3,528,339$20,950,222
60$27,421,079$6,004,527$3,528,832$22,866,633
61$30,096,616$6,177,336$3,525,635$24,972,319
62$33,041,233$6,354,787$3,518,506$27,286,420
63$36,282,256$6,536,989$3,507,193$29,830,022
64$39,849,794$6,724,049$3,491,431$32,626,358
65$43,777,023$6,916,078$3,470,945$35,701,028
66$48,100,500$7,113,186$3,445,442$39,082,238
67$52,860,506$7,315,487$3,414,619$42,801,065
68$58,101,425$7,523,094$3,378,156$46,891,753
69$63,872,166$7,736,121$3,335,721$51,392,035
70$70,226,622$7,954,686$3,286,962$56,343,484
71$77,224,176$8,178,904$3,231,514$61,791,912
72$84,930,265$8,408,894$3,168,993$67,787,800
73$93,416,996$8,644,773$3,098,998$74,386,768
74$102,763,825$8,886,662$3,021,110$81,650,109
75$113,058,306$9,134,680$2,934,888$89,645,360
76$124,396,921$9,388,947$2,839,874$98,446,943
77$136,885,984$9,649,582$2,735,587$108,136,863
78$150,642,650$9,916,708$2,621,525$118,805,486
79$165,796,016$10,190,442$2,497,162$130,552,391
80$182,488,342$10,470,906$2,361,949$143,487,305
81$200,876,390$10,758,218$2,215,312$157,731,143
82$221,132,908$11,052,497$2,056,651$173,417,148
83$243,448,256$11,353,860$1,885,339$190,692,146
84$268,032,202$11,662,423$1,700,722$209,717,937
85$295,115,906$11,978,301$1,502,116$230,672,813
86$324,954,096$12,301,606$1,288,805$253,753,250
87$357,827,478$12,632,448$1,060,044$279,175,755
88$394,045,379$12,970,936$815,053$307,178,915
89$433,948,670$13,317,174$553,020$338,025,645
90$477,912,982$13,671,264$273,094$372,005,670
91$526,352,253$14,033,302$0$409,438,262
92$579,722,632$14,403,384$0$450,677,166
93$638,526,787$14,781,596$0$496,130,069
94$703,318,648$15,168,023$0$546,203,874
95$774,708,635$15,562,741$0$601,369,480
96$853,369,424$15,965,823$0$662,145,802
97$940,042,288$16,377,332$0$729,104,678
98$1,035,544,104$16,797,324$0$802,876,259
99$1,140,775,057$17,225,847$0$884,154,958
100$1,256,727,139$17,662,939$0$973,706,008