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

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 $2,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$228,744$226,706$224,719$222,778$220,884$219,584
2 years$113,240$111,131$109,087$107,105$105,183$103,871
3 years$74,743$72,625$70,586$68,623$66,732$65,450
4 years$55,499$53,387$51,369$49,439$47,594$46,350
5 years$43,955$41,856$39,864$37,974$36,180$34,979
6 years$36,262$34,179$32,216$30,368$28,628$27,471
7 years$30,769$28,703$26,772$24,967$23,282$22,170
8 years$26,651$24,604$22,705$20,944$19,315$18,248
9 years$23,450$21,422$19,556$17,840$16,266$15,243
10 years$20,890$18,883$17,049$15,378$13,859$12,881
11 years$18,798$16,810$15,010$13,384$11,920$10,984
12 years$17,055$15,088$13,321$11,739$10,329$9,436
13 years$15,582$13,635$11,901$10,364$9,007$8,156
14 years$14,320$12,394$10,693$9,200$7,896$7,085
15 years$13,227$11,322$9,655$8,205$6,952$6,181
16 years$12,272$10,388$8,753$7,347$6,144$5,412
17 years$11,430$9,567$7,965$6,601$5,448$4,753
18 years$10,683$8,840$7,271$5,949$4,844$4,185
19 years$10,015$8,193$6,656$5,375$4,318$3,694
20 years$9,414$7,613$6,109$4,868$3,857$3,266
21 years$8,872$7,091$5,619$4,418$3,451$2,893
22 years$8,379$6,620$5,179$4,017$3,093$2,567
23 years$7,930$6,191$4,782$3,659$2,777$2,280
24 years$7,519$5,801$4,422$3,337$2,496$2,028
25 years$7,141$5,444$4,096$3,047$2,246$1,806
26 years$6,794$5,116$3,799$2,786$2,023$1,609
27 years$6,472$4,815$3,527$2,550$1,824$1,435
28 years$6,174$4,537$3,279$2,337$1,646$1,281
29 years$5,897$4,280$3,052$2,143$1,486$1,143
30 years$5,639$4,042$2,842$1,967$1,343$1,022
31 years$5,398$3,821$2,650$1,806$1,214$913
32 years$5,172$3,616$2,472$1,660$1,098$817
33 years$4,961$3,424$2,309$1,526$994$731
34 years$4,762$3,245$2,157$1,404$900$654
35 years$4,575$3,078$2,017$1,293$815$586
36 years$4,399$2,922$1,886$1,191$738$524
37 years$4,233$2,775$1,766$1,097$669$470
38 years$4,076$2,637$1,654$1,011$607$421
39 years$3,928$2,508$1,549$932$550$377
40 years$3,787$2,386$1,452$860$499$338
41 years$3,653$2,271$1,362$793$453$303
42 years$3,527$2,163$1,277$732$411$272
43 years$3,406$2,061$1,198$676$373$244
44 years$3,291$1,964$1,125$624$338$218
45 years$3,182$1,873$1,056$576$307$196
46 years$3,077$1,787$992$532$279$176
47 years$2,978$1,705$932$492$253$158
48 years$2,883$1,628$876$455$230$141
49 years$2,792$1,555$823$420$209$127
50 years$2,704$1,485$774$388$190$114

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 $6,425 every year, while hoping to spend $40,924 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: 32/47/21 Blend
34$2,770,000$2,770,000$2,770,000$2,770,000
35$3,059,167$2,912,357$2,869,422$3,137,014
36$3,327,660$3,011,520$2,922,005$3,295,143
37$3,622,167$3,114,170$2,974,978$3,461,191
38$3,945,298$3,220,435$3,028,311$3,639,196
39$4,299,930$3,330,448$3,081,970$3,830,230
40$4,689,229$3,444,346$3,135,922$4,035,472
41$5,116,684$3,562,272$3,190,129$4,256,212
42$5,586,137$3,684,375$3,244,550$4,493,873
43$6,101,823$3,810,809$3,299,142$4,750,012
44$6,668,404$3,941,734$3,353,859$5,026,343
45$7,291,019$4,077,317$3,408,650$5,324,750
46$7,975,327$4,217,729$3,463,464$5,647,303
47$8,727,564$4,363,152$3,518,244$5,996,276
48$9,554,600$4,513,771$3,572,930$6,374,171
49$10,464,004$4,669,781$3,627,458$6,783,740
50$11,464,114$4,831,382$3,681,760$7,228,007
51$12,564,119$4,998,784$3,735,764$7,710,301
52$13,774,139$5,172,205$3,789,392$8,234,280
53$15,105,329$5,351,871$3,842,564$8,803,973
54$16,569,977$5,538,016$3,895,194$9,423,810
55$18,181,621$5,730,886$3,947,190$10,098,666
56$19,955,181$5,930,734$3,998,455$10,833,906
57$21,907,093$6,137,824$4,048,887$11,635,436
58$24,055,470$6,352,430$4,098,378$12,509,753
59$26,420,267$6,574,839$4,146,813$13,464,011
60$29,023,475$6,805,346$4,194,072$14,506,086
61$31,889,322$7,044,261$4,240,026$15,644,645
62$35,044,508$7,291,905$4,284,542$16,889,234
63$38,518,451$7,548,611$4,327,477$18,250,360
64$42,343,567$7,814,727$4,368,682$19,739,594
65$46,555,576$8,090,614$4,407,998$21,369,675
66$51,193,838$8,376,648$4,445,260$23,154,634
67$56,301,726$8,673,220$4,480,292$25,109,919
68$61,927,030$8,980,736$4,512,910$27,252,546
69$68,122,416$9,299,620$4,542,921$29,601,251
70$74,945,914$9,630,313$4,570,120$32,176,674
71$82,461,471$9,973,273$4,594,293$35,001,542
72$90,739,554$10,328,976$4,615,215$38,100,894
73$99,857,813$10,697,920$4,632,649$41,502,303
74$109,901,812$11,080,621$4,646,346$45,236,146
75$120,965,843$11,477,617$4,656,044$49,335,881
76$133,153,807$11,889,469$4,661,470$53,838,366
77$146,580,201$12,316,758$4,662,335$58,784,201
78$161,371,196$12,760,094$4,658,337$64,218,114
79$177,665,826$13,220,107$4,649,160$70,189,377
80$195,617,304$13,697,455$4,634,470$76,752,272
81$215,394,464$14,192,825$4,613,920$83,966,598
82$237,183,356$14,706,930$4,587,143$91,898,238
83$261,189,003$15,240,515$4,553,757$100,619,775
84$287,637,333$15,794,352$4,513,360$110,211,174
85$316,777,316$16,369,250$4,465,532$120,760,540
86$348,883,307$16,966,048$4,409,832$132,364,941
87$384,257,643$17,585,623$4,345,800$145,131,324
88$423,233,490$18,228,886$4,272,952$159,177,522
89$466,177,993$18,896,789$4,190,783$174,633,366
90$513,495,738$19,590,321$4,098,764$191,641,902
91$565,632,573$20,310,516$3,996,341$210,360,742
92$623,079,812$21,058,449$3,882,936$230,963,551
93$686,378,881$21,835,241$3,757,943$253,641,677
94$756,126,420$22,642,061$3,620,727$278,605,959
95$832,979,921$23,480,127$3,470,627$306,088,711
96$917,663,929$24,350,710$3,306,949$336,345,916
97$1,010,976,888$25,255,133$3,128,970$369,659,631
98$1,113,798,673$26,194,776$2,935,933$406,340,652
99$1,227,098,897$27,171,080$2,727,046$446,731,443
100$1,351,946,066$28,185,545$2,501,484$491,209,362