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%13.9%
1 years$229,570$227,525$225,530$223,583$221,681$218,098
2 years$113,648$111,532$109,481$107,492$105,562$101,963
3 years$75,013$72,887$70,841$68,871$66,973$63,469
4 years$55,699$53,580$51,554$49,618$47,766$44,383
5 years$44,114$42,007$40,008$38,111$36,311$33,060
6 years$36,393$34,302$32,333$30,478$28,732$25,616
7 years$30,880$28,807$26,869$25,057$23,366$20,388
8 years$26,747$24,693$22,787$21,020$19,385$16,542
9 years$23,534$21,500$19,626$17,904$16,325$13,617
10 years$20,966$18,951$17,110$15,434$13,909$11,334
11 years$18,866$16,871$15,064$13,432$11,963$9,516
12 years$17,117$15,142$13,369$11,782$10,367$8,047
13 years$15,638$13,684$11,944$10,401$9,040$6,843
14 years$14,372$12,439$10,732$9,233$7,924$5,847
15 years$13,275$11,363$9,689$8,234$6,977$5,015
16 years$12,316$10,425$8,785$7,373$6,166$4,316
17 years$11,472$9,601$7,994$6,625$5,468$3,725
18 years$10,721$8,872$7,297$5,970$4,862$3,222
19 years$10,051$8,222$6,680$5,395$4,333$2,792
20 years$9,448$7,641$6,131$4,886$3,870$2,424
21 years$8,904$7,117$5,639$4,434$3,464$2,108
22 years$8,409$6,643$5,197$4,032$3,105$1,835
23 years$7,959$6,213$4,799$3,672$2,787$1,599
24 years$7,546$5,822$4,438$3,349$2,505$1,395
25 years$7,167$5,463$4,111$3,058$2,254$1,218
26 years$6,818$5,135$3,812$2,796$2,030$1,064
27 years$6,495$4,832$3,540$2,560$1,831$930
28 years$6,196$4,553$3,291$2,345$1,652$814
29 years$5,918$4,296$3,063$2,151$1,491$712
30 years$5,659$4,057$2,853$1,974$1,348$623
31 years$5,417$3,835$2,659$1,813$1,218$546
32 years$5,191$3,629$2,481$1,666$1,102$478
33 years$4,979$3,436$2,317$1,532$997$419
34 years$4,779$3,257$2,165$1,409$903$367
35 years$4,592$3,089$2,024$1,298$818$322
36 years$4,415$2,932$1,893$1,195$741$282
37 years$4,249$2,785$1,772$1,101$672$248
38 years$4,091$2,647$1,659$1,015$609$217
39 years$3,942$2,517$1,555$936$552$191
40 years$3,801$2,394$1,457$863$501$167
41 years$3,667$2,279$1,366$796$454$147
42 years$3,539$2,171$1,282$735$412$129
43 years$3,418$2,068$1,203$678$374$113
44 years$3,303$1,971$1,129$626$340$99
45 years$3,193$1,880$1,060$578$308$87
46 years$3,088$1,793$996$534$280$76
47 years$2,989$1,711$935$494$254$67
48 years$2,893$1,634$879$456$231$59
49 years$2,802$1,560$826$422$210$52
50 years$2,714$1,490$777$390$190$45

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 $5,603 every year, while hoping to spend $30,224 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: 71/6/23 Blend
34$2,780,000$2,780,000$2,780,000$2,780,000
35$3,069,339$2,921,999$2,878,909$3,269,274
36$3,350,254$3,033,019$2,943,195$3,514,487
37$3,658,809$3,148,466$3,008,621$3,778,809
38$3,997,791$3,268,525$3,075,194$4,067,504
39$4,370,272$3,393,389$3,142,919$4,382,988
40$4,779,635$3,523,260$3,211,801$4,727,921
41$5,229,605$3,658,347$3,281,844$5,105,234
42$5,724,290$3,798,871$3,353,051$5,518,154
43$6,268,212$3,945,060$3,425,423$5,970,235
44$6,866,355$4,097,154$3,498,960$6,465,392
45$7,524,211$4,255,402$3,573,663$7,007,937
46$8,247,830$4,420,066$3,649,530$7,602,620
47$9,043,876$4,591,416$3,726,556$8,254,671
48$9,919,693$4,769,738$3,804,738$8,969,855
49$10,883,375$4,955,328$3,884,070$9,754,519
50$11,943,836$5,148,496$3,964,543$10,615,658
51$13,110,900$5,349,566$4,046,148$11,560,976
52$14,395,392$5,558,874$4,128,874$12,598,960
53$15,809,238$5,776,775$4,212,708$13,738,962
54$17,365,581$6,003,637$4,297,634$14,991,284
55$19,078,900$6,239,845$4,383,634$16,367,276
56$20,965,151$6,485,801$4,470,689$17,879,442
57$23,041,916$6,741,926$4,558,777$19,541,561
58$25,328,569$7,008,657$4,647,873$21,368,811
59$27,846,456$7,286,454$4,737,950$23,377,919
60$30,619,100$7,575,796$4,828,977$25,587,312
61$33,672,422$7,877,184$4,920,921$28,017,294
62$37,034,983$8,191,139$5,013,746$30,690,237
63$40,738,256$8,518,210$5,107,411$33,630,791
64$44,816,923$8,858,967$5,201,874$36,866,117
65$49,309,199$9,214,007$5,297,088$40,426,144
66$54,257,198$9,583,954$5,393,001$44,343,848
67$59,707,325$9,969,460$5,489,559$48,655,565
68$65,710,715$10,371,206$5,586,702$53,401,334
69$72,323,717$10,789,905$5,684,366$58,625,275
70$79,608,427$11,226,302$5,782,483$64,376,002
71$87,633,270$11,681,174$5,880,980$70,707,084
72$96,473,648$12,155,335$5,979,776$77,677,549
73$106,212,650$12,649,637$6,078,789$85,352,443
74$116,941,839$13,164,968$6,177,927$93,803,441
75$128,762,114$13,702,258$6,277,095$103,109,524
76$141,784,661$14,262,480$6,376,189$113,357,723
77$156,132,005$14,846,651$6,475,100$124,643,942
78$171,939,166$15,455,833$6,573,713$137,073,864
79$189,354,931$16,091,139$6,671,902$150,763,942
80$208,543,259$16,753,730$6,769,536$165,842,505
81$229,684,833$17,444,824$6,866,477$182,450,965
82$252,978,757$18,165,691$6,962,574$200,745,151
83$278,644,442$18,917,662$7,057,673$220,896,781
84$306,923,675$19,702,128$7,151,605$243,095,083
85$338,082,902$20,520,544$7,244,196$267,548,578
86$372,415,739$21,374,432$7,335,258$294,487,051
87$410,245,750$22,265,385$7,424,594$324,163,718
88$451,929,496$23,195,068$7,511,998$356,857,613
89$497,859,902$24,165,224$7,597,247$392,876,230
90$548,469,968$25,177,676$7,680,111$432,558,414
91$604,236,854$26,234,331$7,760,343$476,277,567
92$665,686,385$27,337,185$7,837,687$524,445,171
93$733,398,016$28,488,326$7,911,869$577,514,669
94$808,010,298$29,689,940$7,982,601$635,985,747
95$890,226,913$30,944,311$8,049,583$700,409,052
96$980,823,309$32,253,833$8,112,494$771,391,384
97$1,080,654,024$33,621,009$8,171,001$849,601,430
98$1,190,660,755$35,048,458$8,224,750$935,776,075
99$1,311,881,243$36,538,923$8,273,370$1,030,727,351
100$1,445,459,073$38,095,274$8,316,471$1,135,350,113