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%11.9%
1 years$230,396$228,343$226,341$224,387$222,479$220,707
2 years$114,057$111,933$109,874$107,878$105,942$104,156
3 years$75,283$73,149$71,096$69,119$67,214$65,469
4 years$55,899$53,773$51,740$49,796$47,938$46,247
5 years$44,272$42,158$40,152$38,248$36,441$34,810
6 years$36,524$34,425$32,449$30,587$28,835$27,265
7 years$30,991$28,910$26,965$25,148$23,450$21,943
8 years$26,843$24,782$22,869$21,096$19,454$18,010
9 years$23,619$21,577$19,697$17,969$16,383$15,001
10 years$21,041$19,019$17,172$15,489$13,960$12,638
11 years$18,933$16,931$15,118$13,480$12,006$10,744
12 years$17,178$15,197$13,417$11,824$10,404$9,201
13 years$15,694$13,733$11,987$10,439$9,072$7,927
14 years$14,423$12,483$10,770$9,266$7,953$6,864
15 years$13,323$11,404$9,724$8,264$7,002$5,968
16 years$12,361$10,463$8,816$7,400$6,189$5,208
17 years$11,513$9,636$8,023$6,648$5,487$4,558
18 years$10,760$8,904$7,324$5,992$4,879$3,999
19 years$10,087$8,252$6,704$5,414$4,349$3,517
20 years$9,482$7,668$6,153$4,903$3,884$3,099
21 years$8,936$7,143$5,660$4,450$3,476$2,735
22 years$8,440$6,667$5,216$4,046$3,116$2,417
23 years$7,987$6,236$4,816$3,685$2,797$2,139
24 years$7,573$5,843$4,454$3,361$2,514$1,895
25 years$7,193$5,483$4,125$3,069$2,262$1,681
26 years$6,843$5,153$3,826$2,806$2,038$1,492
27 years$6,519$4,850$3,553$2,569$1,837$1,325
28 years$6,218$4,570$3,303$2,354$1,658$1,178
29 years$5,939$4,311$3,074$2,158$1,497$1,048
30 years$5,679$4,071$2,863$1,981$1,353$932
31 years$5,436$3,849$2,669$1,819$1,223$830
32 years$5,209$3,642$2,490$1,672$1,106$739
33 years$4,996$3,449$2,325$1,537$1,001$659
34 years$4,797$3,269$2,173$1,415$906$587
35 years$4,608$3,100$2,031$1,302$821$523
36 years$4,431$2,943$1,900$1,199$744$467
37 years$4,264$2,795$1,778$1,105$674$416
38 years$4,106$2,656$1,665$1,018$611$371
39 years$3,956$2,526$1,560$939$554$331
40 years$3,814$2,403$1,463$866$503$296
41 years$3,680$2,287$1,371$799$456$264
42 years$3,552$2,178$1,286$738$414$236
43 years$3,431$2,076$1,207$681$376$210
44 years$3,315$1,978$1,133$629$341$188
45 years$3,205$1,887$1,064$581$309$168
46 years$3,100$1,800$999$536$281$150
47 years$2,999$1,718$939$495$255$134
48 years$2,903$1,640$882$458$232$120
49 years$2,812$1,566$829$423$210$107
50 years$2,724$1,496$780$391$191$95

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 $2,966 every year, while hoping to spend $27,664 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: 36/49/15 Blend
34$2,790,000$2,790,000$2,790,000$2,790,000
35$3,077,639$2,929,769$2,886,524$3,174,174
36$3,362,124$3,043,894$2,953,789$3,358,260
37$3,674,700$3,162,683$3,022,379$3,554,018
38$4,018,201$3,286,337$3,092,311$3,764,756
39$4,395,753$3,415,063$3,163,599$3,991,821
40$4,810,798$3,549,079$3,236,258$4,236,694
41$5,267,128$3,688,612$3,310,301$4,500,998
42$5,768,921$3,833,900$3,385,742$4,786,515
43$6,320,780$3,985,190$3,462,593$5,095,200
44$6,927,776$4,142,741$3,540,867$5,429,201
45$7,595,498$4,306,824$3,620,574$5,790,875
46$8,330,101$4,477,722$3,701,726$6,182,811
47$9,138,370$4,655,729$3,784,333$6,607,854
48$10,027,779$4,841,154$3,868,402$7,069,129
49$11,006,561$5,034,319$3,953,943$7,570,070
50$12,083,792$5,235,563$4,040,962$8,114,452
51$13,269,469$5,445,236$4,129,464$8,706,422
52$14,574,609$5,663,706$4,219,455$9,350,541
53$16,011,350$5,891,359$4,310,938$10,051,823
54$17,593,068$6,128,596$4,403,915$10,815,781
55$19,334,501$6,375,836$4,498,386$11,648,478
56$21,251,888$6,633,521$4,594,350$12,556,583
57$23,363,125$6,902,108$4,691,805$13,547,431
58$25,687,930$7,182,077$4,790,747$14,629,090
59$28,248,031$7,473,930$4,891,168$15,810,437
60$31,067,369$7,778,193$4,993,062$17,101,239
61$34,172,329$8,095,412$5,096,417$18,512,243
62$37,591,981$8,426,161$5,201,222$20,055,276
63$41,358,360$8,771,041$5,307,460$21,743,352
64$45,506,769$9,130,678$5,415,116$23,590,796
65$50,076,106$9,505,727$5,524,169$25,613,373
66$55,109,236$9,896,875$5,634,595$27,828,439
67$60,653,394$10,304,838$5,746,371$30,255,097
68$66,760,631$10,730,366$5,859,465$32,914,378
69$73,488,305$11,174,244$5,973,847$35,829,435
70$80,899,622$11,637,292$6,089,480$39,025,760
71$89,064,232$12,120,367$6,206,326$42,531,418
72$98,058,886$12,624,368$6,324,341$46,377,315
73$107,968,163$13,150,233$6,443,478$50,597,479
74$118,885,266$13,698,945$6,563,684$55,229,382
75$130,912,901$14,271,530$6,684,905$60,314,290
76$144,164,246$14,869,064$6,807,078$65,897,647
77$158,764,022$15,492,672$6,930,139$72,029,499
78$174,849,670$16,143,530$7,054,016$78,764,966
79$192,572,642$16,822,869$7,178,631$86,164,753
80$212,099,839$17,531,977$7,303,903$94,295,723
81$233,615,180$18,272,202$7,429,742$103,231,519
82$257,321,344$19,044,954$7,556,053$113,053,258
83$283,441,674$19,851,711$7,682,734$123,850,289
84$312,222,295$20,694,015$7,809,676$135,721,031
85$343,934,431$21,573,483$7,936,761$148,773,896
86$378,876,967$22,491,808$8,063,867$163,128,310
87$417,379,269$23,450,759$8,190,859$178,915,829
88$459,804,298$24,452,189$8,317,596$196,281,375
89$506,552,029$25,498,038$8,443,927$215,384,602
90$558,063,230$26,590,336$8,569,693$236,401,390
91$614,823,625$27,731,208$8,694,723$259,525,502
92$677,368,475$28,922,878$8,818,837$284,970,402
93$746,287,635$30,167,674$8,941,843$312,971,264
94$822,231,117$31,468,034$9,063,539$343,787,183
95$905,915,233$32,826,509$9,183,709$377,703,613
96$998,129,349$34,245,771$9,302,125$415,035,049
97$1,099,743,344$35,728,615$9,418,548$456,127,990
98$1,211,715,818$37,277,970$9,532,722$501,364,198
99$1,335,103,141$38,896,900$9,644,379$551,164,290
100$1,471,069,430$40,588,617$9,753,233$605,991,701