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%14.5%
1 years$230,396$228,343$226,341$224,387$222,479$218,344
2 years$114,057$111,933$109,874$107,878$105,942$101,792
3 years$75,283$73,149$71,096$69,119$67,214$63,178
4 years$55,899$53,773$51,740$49,796$47,938$44,046
5 years$44,272$42,158$40,152$38,248$36,441$32,706
6 years$36,524$34,425$32,449$30,587$28,835$25,260
7 years$30,991$28,910$26,965$25,148$23,450$20,036
8 years$26,843$24,782$22,869$21,096$19,454$16,201
9 years$23,619$21,577$19,697$17,969$16,383$13,288
10 years$21,041$19,019$17,172$15,489$13,960$11,020
11 years$18,933$16,931$15,118$13,480$12,006$9,218
12 years$17,178$15,197$13,417$11,824$10,404$7,764
13 years$15,694$13,733$11,987$10,439$9,072$6,577
14 years$14,423$12,483$10,770$9,266$7,953$5,597
15 years$13,323$11,404$9,724$8,264$7,002$4,781
16 years$12,361$10,463$8,816$7,400$6,189$4,097
17 years$11,513$9,636$8,023$6,648$5,487$3,521
18 years$10,760$8,904$7,324$5,992$4,879$3,032
19 years$10,087$8,252$6,704$5,414$4,349$2,616
20 years$9,482$7,668$6,153$4,903$3,884$2,261
21 years$8,936$7,143$5,660$4,450$3,476$1,957
22 years$8,440$6,667$5,216$4,046$3,116$1,696
23 years$7,987$6,236$4,816$3,685$2,797$1,471
24 years$7,573$5,843$4,454$3,361$2,514$1,277
25 years$7,193$5,483$4,125$3,069$2,262$1,110
26 years$6,843$5,153$3,826$2,806$2,038$965
27 years$6,519$4,850$3,553$2,569$1,837$840
28 years$6,218$4,570$3,303$2,354$1,658$731
29 years$5,939$4,311$3,074$2,158$1,497$636
30 years$5,679$4,071$2,863$1,981$1,353$554
31 years$5,436$3,849$2,669$1,819$1,223$483
32 years$5,209$3,642$2,490$1,672$1,106$421
33 years$4,996$3,449$2,325$1,537$1,001$367
34 years$4,797$3,269$2,173$1,415$906$320
35 years$4,608$3,100$2,031$1,302$821$279
36 years$4,431$2,943$1,900$1,199$744$244
37 years$4,264$2,795$1,778$1,105$674$213
38 years$4,106$2,656$1,665$1,018$611$186
39 years$3,956$2,526$1,560$939$554$162
40 years$3,814$2,403$1,463$866$503$141
41 years$3,680$2,287$1,371$799$456$123
42 years$3,552$2,178$1,286$738$414$108
43 years$3,431$2,076$1,207$681$376$94
44 years$3,315$1,978$1,133$629$341$82
45 years$3,205$1,887$1,064$581$309$72
46 years$3,100$1,800$999$536$281$63
47 years$2,999$1,718$939$495$255$55
48 years$2,903$1,640$882$458$232$48
49 years$2,812$1,566$829$423$210$42
50 years$2,724$1,496$780$391$191$36

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 $6,335 every year, while hoping to spend $48,018 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: 69/12/19 Blend
34$2,790,000$2,790,000$2,790,000$2,790,000
35$3,081,115$2,933,245$2,890,000$3,279,010
36$3,344,297$3,025,883$2,935,724$3,504,530
37$3,632,716$3,121,451$2,981,370$3,744,964
38$3,948,892$3,220,042$3,026,886$4,006,864
39$4,295,607$3,321,751$3,072,214$4,292,344
40$4,675,920$3,426,678$3,117,295$4,603,733
41$5,093,203$3,534,925$3,162,063$4,943,594
42$5,551,170$3,646,596$3,206,452$5,314,752
43$6,053,911$3,761,801$3,250,390$5,720,316
44$6,605,931$3,880,651$3,293,800$6,163,711
45$7,212,196$4,003,262$3,336,601$6,648,712
46$7,878,171$4,129,753$3,378,709$7,179,474
47$8,609,882$4,260,249$3,420,033$7,760,575
48$9,413,963$4,394,874$3,460,478$8,397,058
49$10,297,726$4,533,762$3,499,942$9,094,479
50$11,269,224$4,677,046$3,538,320$9,858,958
51$12,337,331$4,824,867$3,575,500$10,697,239
52$13,511,821$4,977,368$3,611,362$11,616,749
53$14,803,467$5,134,699$3,645,782$12,625,672
54$16,224,133$5,297,012$3,678,629$13,733,026
55$17,786,895$5,464,466$3,709,763$14,948,744
56$19,506,158$5,637,224$3,739,039$16,283,772
57$21,397,793$5,815,455$3,766,304$17,750,170
58$23,479,287$5,999,332$3,791,395$19,361,225
59$25,769,911$6,189,035$3,814,143$21,131,579
60$28,290,893$6,384,749$3,834,368$23,077,363
61$31,065,628$6,586,666$3,851,883$25,216,353
62$34,119,891$6,794,982$3,866,491$27,568,133
63$37,482,085$7,009,901$3,877,983$30,154,287
64$41,183,504$7,231,632$3,886,142$32,998,593
65$45,258,633$7,460,394$3,890,739$36,127,255
66$49,745,469$7,696,408$3,891,534$39,569,148
67$54,685,881$7,939,907$3,888,275$43,356,088
68$60,126,007$8,191,128$3,880,698$47,523,134
69$66,116,683$8,450,317$3,868,525$52,108,920
70$72,713,930$8,717,728$3,851,466$57,156,016
71$79,979,476$8,993,622$3,829,215$62,711,334
72$87,981,343$9,278,270$3,801,454$68,826,568
73$96,794,485$9,571,950$3,767,848$75,558,680
74$106,501,498$9,874,951$3,728,046$82,970,443
75$117,193,396$10,187,569$3,681,681$91,131,029
76$128,970,473$10,510,110$3,628,368$100,116,661
77$141,943,248$10,842,892$3,567,705$110,011,338
78$156,233,506$11,186,240$3,499,269$120,907,620
79$171,975,449$11,540,492$3,422,621$132,907,511
80$189,316,964$11,905,995$3,337,298$146,123,412
81$208,421,014$12,283,108$3,242,817$160,679,188
82$229,467,179$12,672,202$3,138,673$176,711,337
83$252,653,350$13,073,659$3,024,337$194,370,276
84$278,197,598$13,487,874$2,899,258$213,821,762
85$306,340,227$13,915,254$2,762,858$235,248,458
86$337,346,048$14,356,220$2,614,532$258,851,654
87$371,506,875$14,811,205$2,453,649$284,853,173
88$409,144,280$15,280,658$2,279,549$313,497,457
89$450,612,627$15,765,040$2,091,545$345,053,882
90$496,302,418$16,264,830$1,888,914$379,819,297
91$546,643,977$16,780,519$1,670,905$418,120,827
92$602,111,514$17,312,616$1,436,732$460,318,963
93$663,227,601$17,861,647$1,185,575$506,810,962
94$730,568,101$18,428,152$916,577$558,034,600
95$804,767,608$19,012,692$628,842$614,472,305
96$886,525,433$19,615,843$321,438$676,655,711
97$976,612,210$20,238,202$0$745,170,674
98$1,075,877,166$20,880,384$0$820,664,151
99$1,185,256,137$21,543,024$0$903,915,894
100$1,305,780,409$22,226,777$0$995,644,919