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%
1 years$230,396$228,343$226,341$224,387$222,479$217,012
2 years$114,057$111,933$109,874$107,878$105,942$100,469
3 years$75,283$73,149$71,096$69,119$67,214$61,904
4 years$55,899$53,773$51,740$49,796$47,938$42,833
5 years$44,272$42,158$40,152$38,248$36,441$31,556
6 years$36,524$34,425$32,449$30,587$28,835$24,173
7 years$30,991$28,910$26,965$25,148$23,450$19,013
8 years$26,843$24,782$22,869$21,096$19,454$15,240
9 years$23,619$21,577$19,697$17,969$16,383$12,388
10 years$21,041$19,019$17,172$15,489$13,960$10,178
11 years$18,933$16,931$15,118$13,480$12,006$8,433
12 years$17,178$15,197$13,417$11,824$10,404$7,034
13 years$15,694$13,733$11,987$10,439$9,072$5,899
14 years$14,423$12,483$10,770$9,266$7,953$4,969
15 years$13,323$11,404$9,724$8,264$7,002$4,201
16 years$12,361$10,463$8,816$7,400$6,189$3,562
17 years$11,513$9,636$8,023$6,648$5,487$3,028
18 years$10,760$8,904$7,324$5,992$4,879$2,579
19 years$10,087$8,252$6,704$5,414$4,349$2,201
20 years$9,482$7,668$6,153$4,903$3,884$1,881
21 years$8,936$7,143$5,660$4,450$3,476$1,609
22 years$8,440$6,667$5,216$4,046$3,116$1,379
23 years$7,987$6,236$4,816$3,685$2,797$1,182
24 years$7,573$5,843$4,454$3,361$2,514$1,014
25 years$7,193$5,483$4,125$3,069$2,262$871
26 years$6,843$5,153$3,826$2,806$2,038$748
27 years$6,519$4,850$3,553$2,569$1,837$643
28 years$6,218$4,570$3,303$2,354$1,658$553
29 years$5,939$4,311$3,074$2,158$1,497$476
30 years$5,679$4,071$2,863$1,981$1,353$409
31 years$5,436$3,849$2,669$1,819$1,223$352
32 years$5,209$3,642$2,490$1,672$1,106$303
33 years$4,996$3,449$2,325$1,537$1,001$261
34 years$4,797$3,269$2,173$1,415$906$225
35 years$4,608$3,100$2,031$1,302$821$194
36 years$4,431$2,943$1,900$1,199$744$167
37 years$4,264$2,795$1,778$1,105$674$144
38 years$4,106$2,656$1,665$1,018$611$124
39 years$3,956$2,526$1,560$939$554$107
40 years$3,814$2,403$1,463$866$503$92
41 years$3,680$2,287$1,371$799$456$79
42 years$3,552$2,178$1,286$738$414$68
43 years$3,431$2,076$1,207$681$376$59
44 years$3,315$1,978$1,133$629$341$51
45 years$3,205$1,887$1,064$581$309$44
46 years$3,100$1,800$999$536$281$38
47 years$2,999$1,718$939$495$255$32
48 years$2,903$1,640$882$458$232$28
49 years$2,812$1,566$829$423$210$24
50 years$2,724$1,496$780$391$191$21

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 $3,296 every year, while hoping to spend $27,752 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: 43/50/7 Blend
34$2,790,000$2,790,000$2,790,000$2,790,000
35$3,077,980$2,930,110$2,886,865$3,203,984
36$3,362,406$3,044,157$2,954,047$3,405,768
37$3,674,913$3,162,863$3,022,549$3,621,136
38$4,018,337$3,286,426$3,092,387$3,853,800
39$4,395,800$3,415,054$3,163,575$4,105,350
40$4,810,744$3,548,963$3,236,127$4,377,531
41$5,266,959$3,688,381$3,310,056$4,672,261
42$5,768,621$3,833,545$3,385,376$4,991,643
43$6,320,333$3,984,701$3,462,099$5,337,989
44$6,927,164$4,142,109$3,540,236$5,713,836
45$7,594,700$4,306,037$3,619,799$6,121,975
46$8,329,095$4,476,768$3,700,797$6,565,471
47$9,137,129$4,654,596$3,783,241$7,047,691
48$10,026,275$4,839,830$3,867,138$7,572,339
49$11,004,764$5,032,791$3,952,496$8,143,484
50$12,081,667$5,233,815$4,039,322$8,765,602
51$13,266,978$5,443,253$4,127,621$9,443,614
52$14,571,710$5,661,473$4,217,396$10,182,930
53$16,007,997$5,888,857$4,308,651$10,989,502
54$17,589,209$6,125,808$4,401,388$11,869,876
55$19,330,080$6,372,743$4,495,605$12,831,253
56$21,246,842$6,630,102$4,591,302$13,881,557
57$23,357,385$6,898,342$4,688,475$15,029,503
58$25,681,419$7,177,941$4,787,120$16,284,682
59$28,240,664$7,469,401$4,887,229$17,657,649
60$31,059,054$7,773,244$4,988,794$19,160,019
61$34,162,962$8,090,017$5,091,803$20,804,575
62$37,581,449$8,420,293$5,196,243$22,605,387
63$41,346,538$8,764,669$5,302,099$24,577,943
64$45,493,518$9,123,770$5,409,352$26,739,291
65$50,061,273$9,498,251$5,517,981$29,108,198
66$55,092,652$9,888,795$5,627,963$31,705,326
67$60,634,874$10,296,117$5,739,271$34,553,423
68$66,739,970$10,720,966$5,851,875$37,677,535
69$73,465,276$11,164,122$5,965,742$41,105,239
70$80,873,975$11,626,405$6,080,835$44,866,902
71$89,035,692$12,108,670$6,197,114$48,995,962
72$98,027,149$12,611,811$6,314,535$53,529,241
73$107,932,894$13,136,766$6,433,048$58,507,291
74$118,846,096$13,684,514$6,552,601$63,974,771
75$130,869,421$14,256,078$6,673,136$69,980,863
76$144,116,007$14,852,532$6,794,592$76,579,737
77$158,710,529$15,474,995$6,916,900$83,831,056
78$174,790,376$16,124,642$7,039,989$91,800,531
79$192,506,945$16,802,700$7,163,779$100,560,543
80$212,027,074$17,510,454$7,288,186$110,190,818
81$233,534,616$18,249,246$7,413,121$120,779,174
82$257,232,171$19,020,484$7,538,485$132,422,347
83$283,343,004$19,825,639$7,664,176$145,226,897
84$312,113,146$20,666,251$7,790,081$159,310,208
85$343,813,720$21,543,931$7,916,082$174,801,593
86$378,743,502$22,460,365$8,042,053$191,843,503
87$417,231,736$23,417,320$8,167,859$210,592,872
88$459,641,247$24,416,643$8,293,356$231,222,586
89$506,371,862$25,460,266$8,418,391$253,923,111
90$557,864,186$26,550,213$8,542,801$278,904,282
91$614,603,763$27,688,603$8,666,415$306,397,278
92$677,125,656$28,877,654$8,789,049$336,656,793
93$746,019,499$30,119,686$8,910,509$369,963,436
94$821,935,066$31,417,128$9,030,589$406,626,368
95$905,588,401$32,772,526$9,149,072$446,986,212
96$997,768,578$34,188,540$9,265,726$491,418,259
97$1,099,345,154$35,667,959$9,380,308$540,336,003
98$1,211,276,372$37,213,701$9,492,561$594,195,028
99$1,334,618,211$38,828,822$9,602,211$653,497,306
100$1,470,534,355$40,516,521$9,708,972$718,795,916