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%19.9%
1 years$228,744$226,706$224,719$222,778$220,884$212,120
2 years$113,240$111,131$109,087$107,105$105,183$96,462
3 years$74,743$72,625$70,586$68,623$66,732$58,329
4 years$55,499$53,387$51,369$49,439$47,594$39,572
5 years$43,955$41,856$39,864$37,974$36,180$28,561
6 years$36,262$34,179$32,216$30,368$28,628$21,416
7 years$30,769$28,703$26,772$24,967$23,282$16,474
8 years$26,651$24,604$22,705$20,944$19,315$12,904
9 years$23,450$21,422$19,556$17,840$16,266$10,243
10 years$20,890$18,883$17,049$15,378$13,859$8,212
11 years$18,798$16,810$15,010$13,384$11,920$6,635
12 years$17,055$15,088$13,321$11,739$10,329$5,393
13 years$15,582$13,635$11,901$10,364$9,007$4,404
14 years$14,320$12,394$10,693$9,200$7,896$3,611
15 years$13,227$11,322$9,655$8,205$6,952$2,969
16 years$12,272$10,388$8,753$7,347$6,144$2,448
17 years$11,430$9,567$7,965$6,601$5,448$2,022
18 years$10,683$8,840$7,271$5,949$4,844$1,673
19 years$10,015$8,193$6,656$5,375$4,318$1,386
20 years$9,414$7,613$6,109$4,868$3,857$1,150
21 years$8,872$7,091$5,619$4,418$3,451$955
22 years$8,379$6,620$5,179$4,017$3,093$793
23 years$7,930$6,191$4,782$3,659$2,777$660
24 years$7,519$5,801$4,422$3,337$2,496$549
25 years$7,141$5,444$4,096$3,047$2,246$457
26 years$6,794$5,116$3,799$2,786$2,023$380
27 years$6,472$4,815$3,527$2,550$1,824$317
28 years$6,174$4,537$3,279$2,337$1,646$264
29 years$5,897$4,280$3,052$2,143$1,486$220
30 years$5,639$4,042$2,842$1,967$1,343$183
31 years$5,398$3,821$2,650$1,806$1,214$153
32 years$5,172$3,616$2,472$1,660$1,098$127
33 years$4,961$3,424$2,309$1,526$994$106
34 years$4,762$3,245$2,157$1,404$900$88
35 years$4,575$3,078$2,017$1,293$815$74
36 years$4,399$2,922$1,886$1,191$738$61
37 years$4,233$2,775$1,766$1,097$669$51
38 years$4,076$2,637$1,654$1,011$607$43
39 years$3,928$2,508$1,549$932$550$36
40 years$3,787$2,386$1,452$860$499$30
41 years$3,653$2,271$1,362$793$453$25
42 years$3,527$2,163$1,277$732$411$21
43 years$3,406$2,061$1,198$676$373$17
44 years$3,291$1,964$1,125$624$338$14
45 years$3,182$1,873$1,056$576$307$12
46 years$3,077$1,787$992$532$279$10
47 years$2,978$1,705$932$492$253$8
48 years$2,883$1,628$876$455$230$7
49 years$2,792$1,555$823$420$209$6
50 years$2,704$1,485$774$388$190$5

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 $5,452 every year, while hoping to spend $24,192 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: 57/26/17 Blend
34$2,770,000$2,770,000$2,770,000$2,770,000
35$3,058,164$2,911,354$2,868,419$3,218,534
36$3,344,356$3,028,270$2,938,771$3,444,953
37$3,658,930$3,150,104$3,010,669$3,688,472
38$4,004,753$3,277,072$3,084,139$3,953,299
39$4,384,988$3,409,399$3,159,207$4,241,486
40$4,803,117$3,547,319$3,235,901$4,555,289
41$5,262,977$3,691,080$3,314,246$4,897,190
42$5,768,797$3,840,939$3,394,269$5,269,920
43$6,325,233$3,997,163$3,475,995$5,676,482
44$6,937,418$4,160,036$3,559,453$6,120,182
45$7,611,006$4,329,850$3,644,667$6,604,656
46$8,352,230$4,506,913$3,731,663$7,133,907
47$9,167,952$4,691,546$3,820,469$7,712,339
48$10,065,737$4,884,086$3,911,109$8,344,800
49$11,053,920$5,084,884$4,003,609$9,036,625
50$12,141,684$5,294,308$4,097,994$9,793,687
51$13,339,149$5,512,742$4,194,290$10,622,453
52$14,657,464$5,740,588$4,292,520$11,530,039
53$16,108,915$5,978,267$4,392,709$12,524,283
54$17,707,040$6,226,218$4,494,881$13,613,812
55$19,466,758$6,484,902$4,599,059$14,808,126
56$21,404,505$6,754,800$4,705,265$16,117,686
57$23,538,394$7,036,415$4,813,521$17,554,011
58$25,888,385$7,330,274$4,923,849$19,129,784
59$28,476,471$7,636,928$5,036,268$20,858,976
60$31,326,887$7,956,953$5,150,799$22,756,969
61$34,466,338$8,290,953$5,267,460$24,840,706
62$37,924,253$8,639,558$5,386,269$27,128,849
63$41,733,059$9,003,429$5,507,241$29,641,948
64$45,928,491$9,383,256$5,630,393$32,402,641
65$50,549,924$9,779,763$5,755,738$35,435,861
66$55,640,750$10,193,705$5,883,289$38,769,074
67$61,248,785$10,625,875$6,013,058$42,432,532
68$67,426,718$11,077,100$6,145,052$46,459,560
69$74,232,613$11,548,248$6,279,282$50,886,867
70$81,730,454$12,040,226$6,415,751$55,754,892
71$89,990,746$12,553,983$6,554,465$61,108,184
72$99,091,188$13,090,514$6,695,425$66,995,818
73$109,117,398$13,650,858$6,838,631$73,471,860
74$120,163,728$14,236,105$6,984,080$80,595,872
75$132,334,148$14,847,394$7,131,767$88,433,473
76$145,743,233$15,485,919$7,281,683$97,056,954
77$160,517,241$16,152,928$7,433,818$106,545,964
78$176,795,307$16,849,728$7,588,158$116,988,252
79$194,730,752$17,577,689$7,744,686$128,480,496
80$214,492,537$18,338,243$7,903,380$141,129,214
81$236,266,849$19,132,891$8,064,217$155,051,764
82$260,258,867$19,963,202$8,227,168$170,377,450
83$286,694,695$20,830,822$8,392,201$187,248,739
84$315,823,494$21,737,473$8,559,280$205,822,605
85$347,919,837$22,684,956$8,728,363$226,272,001
86$383,286,302$23,675,160$8,899,404$248,787,495
87$422,256,323$24,710,061$9,072,353$273,579,061
88$465,197,343$25,791,729$9,247,151$300,878,061
89$512,514,279$26,922,331$9,423,738$330,939,419
90$564,653,348$28,104,137$9,602,046$364,044,028
91$622,106,274$29,339,524$9,781,999$400,501,397
92$685,414,934$30,630,981$9,963,516$440,652,564
93$755,176,473$31,981,115$10,146,509$484,873,316
94$832,048,939$33,392,655$10,330,883$533,577,728
95$916,757,497$34,868,462$10,516,534$587,222,066
96$1,010,101,275$36,411,529$10,703,351$646,309,093
97$1,112,960,905$38,024,994$10,891,213$711,392,803
98$1,226,306,840$39,712,142$11,079,992$783,083,650
99$1,351,208,514$41,476,414$11,269,548$862,054,304
100$1,488,844,438$43,321,413$11,459,733$949,045,991