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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.6%
1 years$230,396$228,343$226,341$224,387$222,479$217,365
2 years$114,057$111,933$109,874$107,878$105,942$100,819
3 years$75,283$73,149$71,096$69,119$67,214$62,241
4 years$55,899$53,773$51,740$49,796$47,938$43,152
5 years$44,272$42,158$40,152$38,248$36,441$31,858
6 years$36,524$34,425$32,449$30,587$28,835$24,458
7 years$30,991$28,910$26,965$25,148$23,450$19,281
8 years$26,843$24,782$22,869$21,096$19,454$15,490
9 years$23,619$21,577$19,697$17,969$16,383$12,622
10 years$21,041$19,019$17,172$15,489$13,960$10,396
11 years$18,933$16,931$15,118$13,480$12,006$8,636
12 years$17,178$15,197$13,417$11,824$10,404$7,222
13 years$15,694$13,733$11,987$10,439$9,072$6,073
14 years$14,423$12,483$10,770$9,266$7,953$5,130
15 years$13,323$11,404$9,724$8,264$7,002$4,349
16 years$12,361$10,463$8,816$7,400$6,189$3,698
17 years$11,513$9,636$8,023$6,648$5,487$3,152
18 years$10,760$8,904$7,324$5,992$4,879$2,693
19 years$10,087$8,252$6,704$5,414$4,349$2,305
20 years$9,482$7,668$6,153$4,903$3,884$1,976
21 years$8,936$7,143$5,660$4,450$3,476$1,696
22 years$8,440$6,667$5,216$4,046$3,116$1,457
23 years$7,987$6,236$4,816$3,685$2,797$1,253
24 years$7,573$5,843$4,454$3,361$2,514$1,079
25 years$7,193$5,483$4,125$3,069$2,262$929
26 years$6,843$5,153$3,826$2,806$2,038$801
27 years$6,519$4,850$3,553$2,569$1,837$691
28 years$6,218$4,570$3,303$2,354$1,658$596
29 years$5,939$4,311$3,074$2,158$1,497$514
30 years$5,679$4,071$2,863$1,981$1,353$444
31 years$5,436$3,849$2,669$1,819$1,223$383
32 years$5,209$3,642$2,490$1,672$1,106$331
33 years$4,996$3,449$2,325$1,537$1,001$286
34 years$4,797$3,269$2,173$1,415$906$247
35 years$4,608$3,100$2,031$1,302$821$214
36 years$4,431$2,943$1,900$1,199$744$185
37 years$4,264$2,795$1,778$1,105$674$160
38 years$4,106$2,656$1,665$1,018$611$138
39 years$3,956$2,526$1,560$939$554$119
40 years$3,814$2,403$1,463$866$503$103
41 years$3,680$2,287$1,371$799$456$89
42 years$3,552$2,178$1,286$738$414$77
43 years$3,431$2,076$1,207$681$376$67
44 years$3,315$1,978$1,133$629$341$58
45 years$3,205$1,887$1,064$581$309$50
46 years$3,100$1,800$999$536$281$43
47 years$2,999$1,718$939$495$255$37
48 years$2,903$1,640$882$458$232$32
49 years$2,812$1,566$829$423$210$28
50 years$2,724$1,496$780$391$191$24

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 $6,005 every year, while hoping to spend $23,065 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: 65/10/25 Blend
34$2,790,000$2,790,000$2,790,000$2,790,000
35$3,080,774$2,932,904$2,889,659$3,260,543
36$3,370,472$3,052,075$2,961,922$3,501,671
37$3,688,946$3,176,313$3,035,832$3,761,985
38$4,039,107$3,305,841$3,111,421$4,045,987
39$4,424,162$3,440,893$3,188,720$4,356,006
40$4,847,645$3,581,715$3,267,760$4,694,608
41$5,313,447$3,728,561$3,348,572$5,064,616
42$5,825,858$3,881,701$3,431,189$5,469,138
43$6,389,604$4,041,413$3,515,642$5,911,598
44$7,009,892$4,207,990$3,601,965$6,395,764
45$7,692,459$4,381,739$3,690,188$6,925,787
46$8,443,625$4,562,980$3,780,345$7,506,235
47$9,270,356$4,752,047$3,872,468$8,142,142
48$10,180,327$4,949,291$3,966,589$8,839,049
49$11,181,992$5,155,079$4,062,743$9,603,063
50$12,284,671$5,369,794$4,160,960$10,440,904
51$13,498,630$5,593,836$4,261,274$11,359,978
52$14,835,181$5,827,625$4,363,718$12,368,441
53$16,306,791$6,071,600$4,468,324$13,475,277
54$17,927,196$6,326,220$4,575,125$14,690,381
55$19,711,530$6,591,966$4,684,152$16,024,655
56$21,676,474$6,869,339$4,795,439$17,490,105
57$23,840,404$7,158,867$4,909,016$19,099,959
58$26,223,572$7,461,098$5,024,915$20,868,790
59$28,848,294$7,776,610$5,143,167$22,812,651
60$31,739,160$8,106,004$5,263,803$24,949,226
61$34,923,268$8,449,911$5,386,854$27,298,001
62$38,430,475$8,808,991$5,512,348$29,880,439
63$42,293,687$9,183,934$5,640,314$32,720,190
64$46,549,159$9,575,464$5,770,781$35,843,309
65$51,236,848$9,984,336$5,903,777$39,278,500
66$56,400,781$10,411,343$6,039,328$43,057,393
67$62,089,475$10,857,313$6,177,460$47,214,832
68$68,356,394$11,323,114$6,318,197$51,789,213
69$75,260,454$11,809,654$6,461,564$56,822,837
70$82,866,576$12,317,882$6,607,582$62,362,314
71$91,246,303$12,848,795$6,756,273$68,459,000
72$100,478,474$13,403,434$6,907,656$75,169,481
73$110,649,965$13,982,889$7,061,749$82,556,106
74$121,856,513$14,588,302$7,218,569$90,687,577
75$134,203,616$15,220,868$7,378,131$99,639,590
76$147,807,533$15,881,839$7,540,446$109,495,556
77$162,796,377$16,572,524$7,705,526$120,347,383
78$179,311,326$17,294,297$7,873,380$132,296,343
79$197,507,955$18,048,591$8,044,013$145,454,028
80$217,557,708$18,836,913$8,217,428$159,943,400
81$239,649,509$19,660,837$8,393,627$175,899,953
82$263,991,553$20,522,012$8,572,607$193,472,989
83$290,813,266$21,422,165$8,754,364$212,827,026
84$320,367,473$22,363,105$8,938,889$234,143,349
85$352,932,783$23,346,725$9,126,170$257,621,724
86$388,816,221$24,375,009$9,316,191$283,482,276
87$428,356,126$25,450,035$9,508,933$311,967,570
88$471,925,341$26,573,977$9,704,373$343,344,896
89$519,934,738$27,749,114$9,902,482$377,908,794
90$572,837,094$28,977,833$10,103,227$415,983,830
91$631,131,364$30,262,633$10,306,572$457,927,658
92$695,367,393$31,606,132$10,512,472$504,134,397
93$766,151,107$33,011,073$10,720,880$555,038,347
94$844,150,232$34,480,327$10,931,741$611,118,086
95$930,100,596$36,016,903$11,144,994$672,900,990
96$1,024,813,079$37,623,954$11,360,574$740,968,204
97$1,129,181,265$39,304,780$11,578,405$815,960,133
98$1,244,189,880$41,062,839$11,798,408$898,582,475
99$1,370,924,085$42,901,756$12,020,492$989,612,890
100$1,510,579,725$44,825,325$12,244,561$1,089,908,335