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%19.8%
1 years$229,570$227,525$225,530$223,583$221,681$212,970
2 years$113,648$111,532$109,481$107,492$105,562$96,893
3 years$75,013$72,887$70,841$68,871$66,973$58,618
4 years$55,699$53,580$51,554$49,618$47,766$39,788
5 years$44,114$42,007$40,008$38,111$36,311$28,732
6 years$36,393$34,302$32,333$30,478$28,732$21,556
7 years$30,880$28,807$26,869$25,057$23,366$16,591
8 years$26,747$24,693$22,787$21,020$19,385$13,004
9 years$23,534$21,500$19,626$17,904$16,325$10,328
10 years$20,966$18,951$17,110$15,434$13,909$8,286
11 years$18,866$16,871$15,064$13,432$11,963$6,699
12 years$17,117$15,142$13,369$11,782$10,367$5,448
13 years$15,638$13,684$11,944$10,401$9,040$4,453
14 years$14,372$12,439$10,732$9,233$7,924$3,653
15 years$13,275$11,363$9,689$8,234$6,977$3,006
16 years$12,316$10,425$8,785$7,373$6,166$2,480
17 years$11,472$9,601$7,994$6,625$5,468$2,050
18 years$10,721$8,872$7,297$5,970$4,862$1,698
19 years$10,051$8,222$6,680$5,395$4,333$1,408
20 years$9,448$7,641$6,131$4,886$3,870$1,169
21 years$8,904$7,117$5,639$4,434$3,464$971
22 years$8,409$6,643$5,197$4,032$3,105$808
23 years$7,959$6,213$4,799$3,672$2,787$672
24 years$7,546$5,822$4,438$3,349$2,505$559
25 years$7,167$5,463$4,111$3,058$2,254$466
26 years$6,818$5,135$3,812$2,796$2,030$388
27 years$6,495$4,832$3,540$2,560$1,831$324
28 years$6,196$4,553$3,291$2,345$1,652$270
29 years$5,918$4,296$3,063$2,151$1,491$225
30 years$5,659$4,057$2,853$1,974$1,348$188
31 years$5,417$3,835$2,659$1,813$1,218$156
32 years$5,191$3,629$2,481$1,666$1,102$131
33 years$4,979$3,436$2,317$1,532$997$109
34 years$4,779$3,257$2,165$1,409$903$91
35 years$4,592$3,089$2,024$1,298$818$76
36 years$4,415$2,932$1,893$1,195$741$63
37 years$4,249$2,785$1,772$1,101$672$53
38 years$4,091$2,647$1,659$1,015$609$44
39 years$3,942$2,517$1,555$936$552$37
40 years$3,801$2,394$1,457$863$501$31
41 years$3,667$2,279$1,366$796$454$26
42 years$3,539$2,171$1,282$735$412$21
43 years$3,418$2,068$1,203$678$374$18
44 years$3,303$1,971$1,129$626$340$15
45 years$3,193$1,880$1,060$578$308$12
46 years$3,088$1,793$996$534$280$10
47 years$2,989$1,711$935$494$254$9
48 years$2,893$1,634$879$456$231$7
49 years$2,802$1,560$826$422$210$6
50 years$2,714$1,490$777$390$190$5

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 $2,693 every year, while hoping to spend $25,805 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: 68/7/25 Blend
34$2,780,000$2,780,000$2,780,000$2,780,000
35$3,066,338$2,918,998$2,875,908$3,254,970
36$3,351,648$3,034,572$2,944,794$3,497,509
37$3,665,195$3,154,945$3,015,124$3,759,549
38$4,009,831$3,280,324$3,086,917$4,045,635
39$4,388,701$3,410,927$3,160,195$4,358,142
40$4,805,265$3,546,979$3,234,979$4,699,689
41$5,263,341$3,688,719$3,311,289$5,073,156
42$5,767,130$3,836,395$3,389,146$5,481,717
43$6,321,263$3,990,265$3,468,568$5,928,867
44$6,930,844$4,150,600$3,549,577$6,418,454
45$7,601,494$4,317,682$3,632,192$6,954,716
46$8,339,406$4,491,809$3,716,430$7,542,322
47$9,151,406$4,673,288$3,802,311$8,186,414
48$10,045,014$4,862,444$3,889,853$8,892,655
49$11,028,515$5,059,613$3,979,072$9,667,283
50$12,111,038$5,265,149$4,069,986$10,517,170
51$13,302,644$5,479,421$4,162,611$11,449,886
52$14,614,416$5,702,815$4,256,961$12,473,770
53$16,058,569$5,935,736$4,353,051$13,598,006
54$17,648,560$6,178,604$4,450,896$14,832,715
55$19,399,219$6,431,861$4,550,506$16,189,044
56$21,326,885$6,695,968$4,651,894$17,679,277
57$23,449,566$6,971,409$4,755,071$19,316,943
58$25,787,101$7,258,687$4,860,045$21,116,950
59$28,361,353$7,558,331$4,966,825$23,095,723
60$31,196,414$7,870,892$5,075,416$25,271,356
61$34,318,831$8,196,948$5,185,826$27,663,788
62$37,757,857$8,537,104$5,298,055$30,294,983
63$41,545,726$8,891,989$5,412,108$33,189,145
64$45,717,959$9,262,266$5,527,983$36,372,941
65$50,313,699$9,648,625$5,645,678$39,875,752
66$55,376,079$10,051,790$5,765,191$43,729,953
67$60,952,628$10,472,518$5,886,514$47,971,215
68$67,095,724$10,911,598$6,009,640$52,638,843
69$73,863,082$11,369,861$6,134,557$57,776,145
70$81,318,303$11,848,171$6,261,252$63,430,843
71$89,531,475$12,347,436$6,389,709$69,655,517
72$98,579,829$12,868,605$6,519,908$76,508,110
73$108,548,474$13,412,669$6,651,827$84,052,463
74$119,531,196$13,980,667$6,785,441$92,358,928
75$131,631,345$14,573,687$6,920,721$101,505,022
76$144,962,811$15,192,866$7,057,633$111,576,165
77$159,651,095$15,839,394$7,196,141$122,666,483
78$175,834,501$16,514,518$7,336,206$134,879,693
79$193,665,431$17,219,541$7,477,780$148,330,086
80$213,311,835$17,955,828$7,620,815$163,143,604
81$234,958,786$18,724,808$7,765,257$179,459,025
82$258,810,235$19,527,976$7,911,046$197,429,274
83$285,090,929$20,366,897$8,058,116$217,222,869
84$314,048,539$21,243,210$8,206,398$239,025,505
85$345,955,993$22,158,630$8,355,815$263,041,811
86$381,114,054$23,114,952$8,506,284$289,497,276
87$419,854,159$24,114,057$8,657,716$318,640,383
88$462,541,549$25,157,911$8,810,016$350,744,947
89$509,578,714$26,248,576$8,963,078$386,112,704
90$561,409,194$27,388,208$9,116,793$425,076,156
91$618,521,767$28,579,065$9,271,041$468,001,707
92$681,455,061$29,823,513$9,425,694$515,293,125
93$750,802,639$31,124,027$9,580,617$567,395,350
94$827,218,604$32,483,200$9,735,663$624,798,692
95$911,423,772$33,903,747$9,890,678$688,043,463
96$1,004,212,475$35,388,510$10,045,495$757,725,071
97$1,106,460,066$36,940,465$10,199,937$834,499,641
98$1,219,131,176$38,562,731$10,353,818$919,090,211
99$1,343,288,823$40,258,572$10,506,938$1,012,293,554
100$1,480,104,447$42,031,406$10,659,085$1,114,987,695