Can I retire at age 35 with 2,790,000?

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 $2,790,000?

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$230,396$228,343$226,341$224,387$222,479$216,748
2 years$114,057$111,933$109,874$107,878$105,942$100,207
3 years$75,283$73,149$71,096$69,119$67,214$61,654
4 years$55,899$53,773$51,740$49,796$47,938$42,595
5 years$44,272$42,158$40,152$38,248$36,441$31,331
6 years$36,524$34,425$32,449$30,587$28,835$23,962
7 years$30,991$28,910$26,965$25,148$23,450$18,815
8 years$26,843$24,782$22,869$21,096$19,454$15,054
9 years$23,619$21,577$19,697$17,969$16,383$12,215
10 years$21,041$19,019$17,172$15,489$13,960$10,017
11 years$18,933$16,931$15,118$13,480$12,006$8,284
12 years$17,178$15,197$13,417$11,824$10,404$6,896
13 years$15,694$13,733$11,987$10,439$9,072$5,772
14 years$14,423$12,483$10,770$9,266$7,953$4,852
15 years$13,323$11,404$9,724$8,264$7,002$4,093
16 years$12,361$10,463$8,816$7,400$6,189$3,463
17 years$11,513$9,636$8,023$6,648$5,487$2,937
18 years$10,760$8,904$7,324$5,992$4,879$2,497
19 years$10,087$8,252$6,704$5,414$4,349$2,126
20 years$9,482$7,668$6,153$4,903$3,884$1,812
21 years$8,936$7,143$5,660$4,450$3,476$1,547
22 years$8,440$6,667$5,216$4,046$3,116$1,322
23 years$7,987$6,236$4,816$3,685$2,797$1,131
24 years$7,573$5,843$4,454$3,361$2,514$968
25 years$7,193$5,483$4,125$3,069$2,262$829
26 years$6,843$5,153$3,826$2,806$2,038$711
27 years$6,519$4,850$3,553$2,569$1,837$609
28 years$6,218$4,570$3,303$2,354$1,658$523
29 years$5,939$4,311$3,074$2,158$1,497$449
30 years$5,679$4,071$2,863$1,981$1,353$385
31 years$5,436$3,849$2,669$1,819$1,223$331
32 years$5,209$3,642$2,490$1,672$1,106$284
33 years$4,996$3,449$2,325$1,537$1,001$244
34 years$4,797$3,269$2,173$1,415$906$209
35 years$4,608$3,100$2,031$1,302$821$180
36 years$4,431$2,943$1,900$1,199$744$155
37 years$4,264$2,795$1,778$1,105$674$133
38 years$4,106$2,656$1,665$1,018$611$114
39 years$3,956$2,526$1,560$939$554$98
40 years$3,814$2,403$1,463$866$503$84
41 years$3,680$2,287$1,371$799$456$72
42 years$3,552$2,178$1,286$738$414$62
43 years$3,431$2,076$1,207$681$376$54
44 years$3,315$1,978$1,133$629$341$46
45 years$3,205$1,887$1,064$581$309$40
46 years$3,100$1,800$999$536$281$34
47 years$2,999$1,718$939$495$255$29
48 years$2,903$1,640$882$458$232$25
49 years$2,812$1,566$829$423$210$22
50 years$2,724$1,496$780$391$191$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,790,000, adding $3,286 every year, while hoping to spend $44,631 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: 34/44/22 Blend
34$2,790,000$2,790,000$2,790,000$2,790,000
35$3,077,970$2,930,100$2,886,855$3,161,839
36$3,344,435$3,026,187$2,936,077$3,320,457
37$3,636,585$3,125,488$2,985,453$3,487,074
38$3,956,991$3,228,111$3,034,940$3,665,840
39$4,308,486$3,334,171$3,084,493$3,857,860
40$4,694,193$3,443,786$3,134,064$4,064,346
41$5,117,548$3,557,079$3,183,603$4,286,631
42$5,582,339$3,674,177$3,233,054$4,526,182
43$6,092,736$3,795,210$3,282,360$4,784,607
44$6,653,336$3,920,316$3,331,460$5,063,678
45$7,269,199$4,049,635$3,380,287$5,365,342
46$7,945,903$4,183,313$3,428,773$5,691,740
47$8,689,592$4,321,501$3,476,843$6,045,227
48$9,507,032$4,464,357$3,524,419$6,428,393
49$10,405,681$4,612,042$3,571,419$6,844,089
50$11,393,754$4,764,725$3,617,755$7,295,450
51$12,480,301$4,922,581$3,663,333$7,785,928
52$13,675,294$5,085,790$3,708,057$8,319,319
53$14,989,719$5,254,538$3,751,822$8,899,802
54$16,435,681$5,429,022$3,794,519$9,531,979
55$18,026,517$5,609,440$3,836,032$10,220,913
56$19,776,922$5,796,003$3,876,240$10,972,178
57$21,703,087$5,988,926$3,915,012$11,791,911
58$23,822,852$6,188,433$3,952,215$12,686,871
59$26,155,873$6,394,757$3,987,704$13,664,495
60$28,723,809$6,608,137$4,021,330$14,732,977
61$31,550,527$6,828,825$4,052,934$15,901,338
62$34,662,321$7,057,078$4,082,348$17,179,512
63$38,088,168$7,293,165$4,109,397$18,578,440
64$41,859,996$7,537,365$4,133,896$20,110,172
65$46,012,986$7,789,966$4,155,652$21,787,978
66$50,585,903$8,051,267$4,174,459$23,626,475
67$55,621,465$8,321,579$4,190,103$25,641,763
68$61,166,743$8,601,225$4,202,359$27,851,576
69$67,273,603$8,890,537$4,210,991$30,275,448
70$73,999,200$9,189,863$4,215,749$32,934,899
71$81,406,514$9,499,562$4,216,372$35,853,631
72$89,564,945$9,820,007$4,212,587$39,057,758
73$98,550,968$10,151,586$4,204,107$42,576,046
74$108,448,852$10,494,699$4,190,631$46,440,189
75$119,351,460$10,849,764$4,171,842$50,685,099
76$131,361,120$11,217,214$4,147,409$55,349,242
77$144,590,593$11,597,496$4,116,986$60,474,996
78$159,164,137$11,991,077$4,080,209$66,109,050
79$175,218,681$12,398,441$4,036,697$72,302,846
80$192,905,111$12,820,090$3,986,052$79,113,060
81$212,389,702$13,256,544$3,927,854$86,602,136
82$233,855,682$13,708,345$3,861,668$94,838,878
83$257,504,962$14,176,055$3,787,034$103,899,093
84$283,560,043$14,660,256$3,703,474$113,866,309
85$312,266,113$15,161,554$3,610,487$124,832,558
86$343,893,366$15,680,580$3,507,547$136,899,247
87$378,739,545$16,217,984$3,394,106$150,178,114
88$417,132,761$16,774,447$3,269,591$164,792,277
89$459,434,580$17,350,673$3,133,400$180,877,397
90$506,043,445$17,947,394$2,984,906$198,582,958
91$557,398,430$18,565,369$2,823,454$218,073,675
92$613,983,387$19,205,390$2,648,358$239,531,047
93$676,331,516$19,868,277$2,458,900$263,155,069
94$745,030,391$20,554,883$2,254,334$289,166,119
95$820,727,512$21,266,094$2,033,876$317,807,032
96$904,136,417$22,002,831$1,796,709$349,345,398
97$996,043,413$22,766,052$1,541,980$384,076,077
98$1,097,315,003$23,556,750$1,268,798$422,323,988
99$1,208,906,062$24,375,960$976,232$464,447,171
100$1,331,868,855$25,224,756$663,310$510,840,163