Can I retire at age 35 with 2,780,000?

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 $2,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$229,570$227,525$225,530$223,583$221,681$220,284
2 years$113,648$111,532$109,481$107,492$105,562$104,153
3 years$75,013$72,887$70,841$68,871$66,973$65,595
4 years$55,699$53,580$51,554$49,618$47,766$46,430
5 years$44,114$42,007$40,008$38,111$36,311$35,021
6 years$36,393$34,302$32,333$30,478$28,732$27,490
7 years$30,880$28,807$26,869$25,057$23,366$22,173
8 years$26,747$24,693$22,787$21,020$19,385$18,239
9 years$23,534$21,500$19,626$17,904$16,325$15,227
10 years$20,966$18,951$17,110$15,434$13,909$12,860
11 years$18,866$16,871$15,064$13,432$11,963$10,959
12 years$17,117$15,142$13,369$11,782$10,367$9,409
13 years$15,638$13,684$11,944$10,401$9,040$8,127
14 years$14,372$12,439$10,732$9,233$7,924$7,056
15 years$13,275$11,363$9,689$8,234$6,977$6,151
16 years$12,316$10,425$8,785$7,373$6,166$5,382
17 years$11,472$9,601$7,994$6,625$5,468$4,723
18 years$10,721$8,872$7,297$5,970$4,862$4,156
19 years$10,051$8,222$6,680$5,395$4,333$3,666
20 years$9,448$7,641$6,131$4,886$3,870$3,239
21 years$8,904$7,117$5,639$4,434$3,464$2,867
22 years$8,409$6,643$5,197$4,032$3,105$2,542
23 years$7,959$6,213$4,799$3,672$2,787$2,256
24 years$7,546$5,822$4,438$3,349$2,505$2,005
25 years$7,167$5,463$4,111$3,058$2,254$1,784
26 years$6,818$5,135$3,812$2,796$2,030$1,588
27 years$6,495$4,832$3,540$2,560$1,831$1,415
28 years$6,196$4,553$3,291$2,345$1,652$1,262
29 years$5,918$4,296$3,063$2,151$1,491$1,126
30 years$5,659$4,057$2,853$1,974$1,348$1,005
31 years$5,417$3,835$2,659$1,813$1,218$898
32 years$5,191$3,629$2,481$1,666$1,102$802
33 years$4,979$3,436$2,317$1,532$997$717
34 years$4,779$3,257$2,165$1,409$903$641
35 years$4,592$3,089$2,024$1,298$818$574
36 years$4,415$2,932$1,893$1,195$741$513
37 years$4,249$2,785$1,772$1,101$672$460
38 years$4,091$2,647$1,659$1,015$609$411
39 years$3,942$2,517$1,555$936$552$368
40 years$3,801$2,394$1,457$863$501$330
41 years$3,667$2,279$1,366$796$454$295
42 years$3,539$2,171$1,282$735$412$265
43 years$3,418$2,068$1,203$678$374$237
44 years$3,303$1,971$1,129$626$340$212
45 years$3,193$1,880$1,060$578$308$190
46 years$3,088$1,793$996$534$280$171
47 years$2,989$1,711$935$494$254$153
48 years$2,893$1,634$879$456$231$137
49 years$2,802$1,560$826$422$210$123
50 years$2,714$1,490$777$390$190$110

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,780,000, adding $2,901 every year, while hoping to spend $36,978 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: 43/27/30 Blend
34$2,780,000$2,780,000$2,780,000$2,780,000
35$3,066,552$2,919,212$2,876,122$3,171,466
36$3,339,996$3,022,909$2,933,128$3,350,927
37$3,640,092$3,130,448$2,990,804$3,541,555
38$3,969,520$3,241,978$3,049,134$3,747,417
39$4,331,230$3,357,655$3,108,100$3,969,951
40$4,728,475$3,477,639$3,167,680$4,210,736
41$5,164,835$3,602,099$3,227,853$4,471,512
42$5,644,257$3,731,211$3,288,595$4,754,189
43$6,171,088$3,865,156$3,349,879$5,060,872
44$6,750,115$4,004,125$3,411,676$5,393,873
45$7,386,614$4,148,315$3,473,955$5,755,740
46$8,086,398$4,297,932$3,536,682$6,149,274
47$8,855,870$4,453,190$3,599,821$6,577,560
48$9,702,085$4,614,313$3,663,331$7,043,990
49$10,632,816$4,781,532$3,727,171$7,552,302
50$11,656,627$4,955,090$3,791,294$8,106,608
51$12,782,953$5,135,240$3,855,652$8,711,435
52$14,022,190$5,322,243$3,920,193$9,371,769
53$15,385,795$5,516,374$3,984,861$10,093,097
54$16,886,387$5,717,918$4,049,595$10,881,463
55$18,537,874$5,927,171$4,114,332$11,743,520
56$20,355,578$6,144,444$4,179,003$12,686,597
57$22,356,384$6,370,058$4,243,536$13,718,763
58$24,558,895$6,604,350$4,307,855$14,848,905
59$26,983,610$6,847,671$4,371,875$16,086,810
60$29,653,116$7,100,386$4,435,512$17,443,259
61$32,592,304$7,362,874$4,498,671$18,930,125
62$35,828,597$7,635,533$4,561,255$20,560,485
63$39,392,217$7,918,777$4,623,159$22,348,745
64$43,316,462$8,213,037$4,684,275$24,310,772
65$47,638,028$8,518,761$4,744,484$26,464,045
66$52,397,346$8,836,420$4,803,663$28,827,819
67$57,638,972$9,166,502$4,861,683$31,423,305
68$63,412,003$9,509,516$4,918,405$34,273,870
69$69,770,539$9,865,994$4,973,684$37,405,255
70$76,774,197$10,236,491$5,027,365$40,845,820
71$84,488,671$10,621,585$5,079,287$44,626,808
72$92,986,351$11,021,878$5,129,280$48,782,640
73$102,347,010$11,438,001$5,177,161$53,351,240
74$112,658,552$11,870,610$5,222,743$58,374,390
75$124,017,843$12,320,389$5,265,824$63,898,122
76$136,531,628$12,788,053$5,306,194$69,973,156
77$150,317,533$13,274,347$5,343,631$76,655,374
78$165,505,182$13,780,050$5,377,902$84,006,345
79$182,237,410$14,305,972$5,408,762$92,093,911
80$200,671,624$14,852,962$5,435,953$100,992,817
81$220,981,275$15,421,904$5,459,204$110,785,425
82$243,357,508$16,013,720$5,478,230$121,562,481
83$268,010,955$16,629,373$5,492,731$133,423,977
84$295,173,729$17,269,869$5,502,394$146,480,091
85$325,101,614$17,936,257$5,506,890$160,852,222
86$358,076,479$18,629,634$5,505,871$176,674,141
87$394,408,937$19,351,143$5,498,974$194,093,247
88$434,441,278$20,101,979$5,485,820$213,271,957
89$478,550,701$20,883,388$5,466,007$234,389,241
90$527,152,872$21,696,674$5,439,118$257,642,307
91$580,705,849$22,543,195$5,404,712$283,248,457
92$639,714,407$23,424,373$5,362,331$311,447,146
93$704,734,799$24,341,690$5,311,492$342,502,231
94$776,380,011$25,296,695$5,251,690$376,704,463
95$855,325,546$26,291,007$5,182,395$414,374,231
96$942,315,801$27,326,316$5,103,055$455,864,583
97$1,038,171,094$28,404,387$5,013,089$501,564,556
98$1,143,795,409$29,527,064$4,911,890$551,902,844
99$1,260,184,925$30,696,275$4,798,823$607,351,848
100$1,388,437,427$31,914,032$4,673,223$668,432,129