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%16.3%
1 years$228,744$226,706$224,719$222,778$220,884$215,195
2 years$113,240$111,131$109,087$107,105$105,183$99,489
3 years$74,743$72,625$70,586$68,623$66,732$61,212
4 years$55,499$53,387$51,369$49,439$47,594$42,290
5 years$43,955$41,856$39,864$37,974$36,180$31,106
6 years$36,262$34,179$32,216$30,368$28,628$23,790
7 years$30,769$28,703$26,772$24,967$23,282$18,680
8 years$26,651$24,604$22,705$20,944$19,315$14,946
9 years$23,450$21,422$19,556$17,840$16,266$12,127
10 years$20,890$18,883$17,049$15,378$13,859$9,946
11 years$18,798$16,810$15,010$13,384$11,920$8,225
12 years$17,055$15,088$13,321$11,739$10,329$6,847
13 years$15,582$13,635$11,901$10,364$9,007$5,731
14 years$14,320$12,394$10,693$9,200$7,896$4,817
15 years$13,227$11,322$9,655$8,205$6,952$4,064
16 years$12,272$10,388$8,753$7,347$6,144$3,438
17 years$11,430$9,567$7,965$6,601$5,448$2,916
18 years$10,683$8,840$7,271$5,949$4,844$2,479
19 years$10,015$8,193$6,656$5,375$4,318$2,110
20 years$9,414$7,613$6,109$4,868$3,857$1,800
21 years$8,872$7,091$5,619$4,418$3,451$1,536
22 years$8,379$6,620$5,179$4,017$3,093$1,313
23 years$7,930$6,191$4,782$3,659$2,777$1,123
24 years$7,519$5,801$4,422$3,337$2,496$961
25 years$7,141$5,444$4,096$3,047$2,246$823
26 years$6,794$5,116$3,799$2,786$2,023$706
27 years$6,472$4,815$3,527$2,550$1,824$605
28 years$6,174$4,537$3,279$2,337$1,646$519
29 years$5,897$4,280$3,052$2,143$1,486$445
30 years$5,639$4,042$2,842$1,967$1,343$382
31 years$5,398$3,821$2,650$1,806$1,214$328
32 years$5,172$3,616$2,472$1,660$1,098$282
33 years$4,961$3,424$2,309$1,526$994$242
34 years$4,762$3,245$2,157$1,404$900$208
35 years$4,575$3,078$2,017$1,293$815$179
36 years$4,399$2,922$1,886$1,191$738$153
37 years$4,233$2,775$1,766$1,097$669$132
38 years$4,076$2,637$1,654$1,011$607$113
39 years$3,928$2,508$1,549$932$550$97
40 years$3,787$2,386$1,452$860$499$84
41 years$3,653$2,271$1,362$793$453$72
42 years$3,527$2,163$1,277$732$411$62
43 years$3,406$2,061$1,198$676$373$53
44 years$3,291$1,964$1,125$624$338$46
45 years$3,182$1,873$1,056$576$307$39
46 years$3,077$1,787$992$532$279$34
47 years$2,978$1,705$932$492$253$29
48 years$2,883$1,628$876$455$230$25
49 years$2,792$1,555$823$420$209$21
50 years$2,704$1,485$774$388$190$18

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 $5,443 every year, while hoping to spend $51,617 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: 37/40/23 Blend
34$2,770,000$2,770,000$2,770,000$2,770,000
35$3,058,154$2,911,344$2,868,409$3,150,002
36$3,315,166$2,999,080$2,909,581$3,305,334
37$3,596,663$3,089,385$2,950,402$3,467,819
38$3,905,088$3,182,330$2,990,806$3,642,297
39$4,243,132$3,277,989$3,030,723$3,829,877
40$4,613,757$3,376,437$3,070,078$4,031,783
41$5,020,228$3,477,750$3,108,793$4,249,359
42$5,466,139$3,582,007$3,146,785$4,484,083
43$5,955,449$3,689,289$3,183,966$4,737,584
44$6,492,519$3,799,679$3,220,243$5,011,651
45$7,082,153$3,913,260$3,255,518$5,308,256
46$7,729,642$4,030,120$3,289,688$5,629,569
47$8,440,817$4,150,346$3,322,644$5,977,978
48$9,222,098$4,274,031$3,354,270$6,356,111
49$10,080,559$4,401,266$3,384,446$6,766,865
50$11,023,995$4,532,147$3,413,043$7,213,425
51$12,060,991$4,666,770$3,439,928$7,699,302
52$13,201,005$4,805,235$3,464,959$8,228,360
53$14,454,459$4,947,644$3,487,987$8,804,857
54$15,832,835$5,094,099$3,508,855$9,433,479
55$17,348,781$5,244,707$3,527,400$10,119,391
56$19,016,236$5,399,576$3,543,446$10,868,280
57$20,850,554$5,558,818$3,556,814$11,686,409
58$22,868,654$5,722,544$3,567,311$12,580,680
59$25,089,178$5,890,869$3,574,737$13,558,693
60$27,532,665$6,063,913$3,578,881$14,628,824
61$30,221,746$6,241,793$3,579,523$15,800,298
62$33,181,357$6,424,634$3,576,429$17,083,279
63$36,438,973$6,612,559$3,569,358$18,488,964
64$40,024,869$6,805,695$3,558,052$20,029,690
65$43,972,404$7,004,173$3,542,245$21,719,050
66$48,318,335$7,208,123$3,521,656$23,572,020
67$53,103,165$7,417,680$3,495,991$25,605,101
68$58,371,522$7,632,981$3,464,941$27,836,475
69$64,172,585$7,854,165$3,428,184$30,286,175
70$70,560,542$8,081,372$3,385,382$32,976,275
71$77,595,104$8,314,747$3,336,179$35,931,099
72$85,342,070$8,554,434$3,280,207$39,177,448
73$93,873,943$8,800,583$3,217,075$42,744,855
74$103,270,616$9,053,343$3,146,378$46,665,862
75$113,620,129$9,312,866$3,067,691$50,976,330
76$125,019,492$9,579,307$2,980,570$55,715,773
77$137,575,610$9,852,823$2,884,548$60,927,735
78$151,406,281$10,133,570$2,779,140$66,660,200
79$166,641,317$10,421,710$2,663,836$72,966,043
80$183,423,761$10,717,404$2,538,104$79,903,530
81$201,911,244$11,020,816$2,401,390$87,536,870
82$222,277,464$11,332,109$2,253,110$95,936,819
83$244,713,835$11,651,452$2,092,658$105,181,349
84$269,431,283$11,979,010$1,919,399$115,356,384
85$296,662,245$12,314,953$1,732,670$126,556,610
86$326,662,858$12,659,449$1,531,778$138,886,372
87$359,715,376$13,012,669$1,316,000$152,460,656
88$396,130,839$13,374,784$1,084,580$167,406,178
89$436,252,000$13,745,964$836,729$183,862,576
90$480,456,567$14,126,380$571,623$201,983,734
91$529,160,767$14,516,202$288,402$221,939,232
92$582,823,270$14,915,601$0$243,915,946
93$641,949,524$15,324,746$0$268,123,214
94$707,096,522$15,743,805$0$294,860,338
95$778,878,060$16,172,944$0$324,306,805
96$857,970,532$16,612,328$0$356,738,473
97$945,119,314$17,062,120$0$392,459,330
98$1,041,145,800$17,522,480$0$431,804,355
99$1,146,955,152$17,993,562$0$475,142,683
100$1,263,544,852$18,475,521$0$522,881,090