Can I retire at age 35 with 2,800,000?

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 $2,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$231,221$229,162$227,152$225,191$223,276$222,335
2 years$114,466$112,334$110,268$108,265$106,322$105,372
3 years$75,553$73,412$71,351$69,366$67,455$66,526
4 years$56,100$53,965$51,925$49,975$48,109$47,208
5 years$44,431$42,309$40,296$38,385$36,572$35,700
6 years$36,655$34,549$32,565$30,697$28,938$28,098
7 years$31,102$29,014$27,062$25,238$23,535$22,726
8 years$26,940$24,870$22,951$21,171$19,524$18,748
9 years$23,704$21,654$19,767$18,033$16,442$15,697
10 years$21,117$19,087$17,234$15,545$14,010$13,296
11 years$19,001$16,992$15,172$13,529$12,049$11,366
12 years$17,240$15,251$13,465$11,866$10,441$9,789
13 years$15,750$13,783$12,030$10,476$9,105$8,482
14 years$14,475$12,528$10,809$9,300$7,981$7,388
15 years$13,370$11,445$9,759$8,294$7,027$6,462
16 years$12,405$10,500$8,848$7,426$6,211$5,673
17 years$11,554$9,670$8,051$6,672$5,507$4,996
18 years$10,799$8,936$7,350$6,013$4,896$4,412
19 years$10,123$8,282$6,728$5,433$4,364$3,905
20 years$9,516$7,696$6,175$4,921$3,898$3,463
21 years$8,968$7,168$5,680$4,466$3,489$3,077
22 years$8,470$6,691$5,235$4,061$3,127$2,738
23 years$8,016$6,258$4,833$3,698$2,807$2,439
24 years$7,601$5,864$4,470$3,373$2,523$2,176
25 years$7,219$5,503$4,140$3,080$2,270$1,943
26 years$6,867$5,172$3,840$2,816$2,045$1,737
27 years$6,542$4,867$3,566$2,578$1,844$1,554
28 years$6,241$4,586$3,315$2,362$1,664$1,391
29 years$5,961$4,327$3,085$2,166$1,502$1,246
30 years$5,700$4,086$2,873$1,988$1,357$1,117
31 years$5,456$3,863$2,679$1,826$1,227$1,002
32 years$5,228$3,655$2,499$1,678$1,110$899
33 years$5,014$3,461$2,334$1,543$1,005$807
34 years$4,814$3,280$2,180$1,420$910$725
35 years$4,625$3,111$2,038$1,307$824$651
36 years$4,447$2,953$1,907$1,204$746$585
37 years$4,279$2,805$1,785$1,109$677$526
38 years$4,120$2,666$1,671$1,022$613$473
39 years$3,970$2,535$1,566$942$556$425
40 years$3,828$2,412$1,468$869$504$382
41 years$3,693$2,296$1,376$802$458$344
42 years$3,565$2,186$1,291$740$415$309
43 years$3,443$2,083$1,211$683$377$278
44 years$3,327$1,986$1,137$631$342$250
45 years$3,216$1,893$1,068$583$311$225
46 years$3,111$1,806$1,003$538$282$203
47 years$3,010$1,724$942$497$256$183
48 years$2,914$1,646$885$459$233$164
49 years$2,822$1,571$832$425$211$148
50 years$2,734$1,501$782$392$192$133

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,800,000, adding $3,145 every year, while hoping to spend $55,295 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: 67/15/18 Blend
34$2,800,000$2,800,000$2,800,000$2,800,000
35$3,088,844$2,940,444$2,897,044$3,281,968
36$3,345,073$3,025,692$2,935,262$3,496,748
37$3,625,583$3,113,265$2,972,906$3,724,794
38$3,932,795$3,203,216$3,009,900$3,972,813
39$4,269,369$3,295,604$3,046,162$4,242,764
40$4,638,241$3,390,484$3,081,604$4,536,805
41$5,042,639$3,487,916$3,116,135$4,857,315
42$5,486,122$3,587,957$3,149,660$5,206,911
43$5,972,608$3,690,669$3,182,075$5,588,477
44$6,506,413$3,796,110$3,213,273$6,005,190
45$7,092,291$3,904,343$3,243,141$6,460,548
46$7,735,478$4,015,430$3,271,560$6,958,405
47$8,441,744$4,129,432$3,298,404$7,503,008
48$9,217,441$4,246,414$3,323,541$8,099,033
49$10,069,571$4,366,440$3,346,830$8,751,633
50$11,005,845$4,489,573$3,368,127$9,466,485
51$12,034,758$4,615,878$3,387,275$10,249,842
52$13,165,669$4,745,422$3,404,115$11,108,596
53$14,408,889$4,878,269$3,418,474$12,050,339
54$15,775,777$5,014,486$3,430,175$13,083,434
55$17,278,849$5,154,139$3,439,028$14,217,099
56$18,931,894$5,297,294$3,444,838$15,461,487
57$20,750,103$5,444,017$3,447,396$16,827,788
58$22,750,215$5,594,375$3,446,485$18,328,330
59$24,950,672$5,748,435$3,441,877$19,976,699
60$27,371,793$5,906,261$3,433,333$21,787,864
61$30,035,968$6,067,919$3,420,602$23,778,318
62$32,967,864$6,233,475$3,403,419$25,966,237
63$36,194,663$6,402,992$3,381,511$28,371,648
64$39,746,314$6,576,534$3,354,586$31,016,622
65$43,655,817$6,754,163$3,322,344$33,925,477
66$47,959,533$6,935,940$3,284,466$37,125,012
67$52,697,530$7,121,925$3,240,619$40,644,756
68$57,913,955$7,312,177$3,190,457$44,517,252
69$63,657,455$7,506,751$3,133,615$48,778,359
70$69,981,636$7,705,701$3,069,711$53,467,592
71$76,945,563$7,909,081$2,998,346$58,628,499
72$84,614,323$8,116,939$2,919,104$64,309,065
73$93,059,637$8,329,322$2,831,547$70,562,171
74$102,360,535$8,546,273$2,735,218$77,446,089
75$112,604,101$8,767,832$2,629,640$85,025,038
76$123,886,300$8,994,036$2,514,313$93,369,783
77$136,312,874$9,224,916$2,388,715$102,558,308
78$150,000,350$9,460,500$2,252,299$112,676,551
79$165,077,131$9,700,809$2,104,496$123,819,215
80$181,684,711$9,945,861$1,944,709$136,090,664
81$199,979,010$10,195,667$1,772,315$149,605,906
82$220,131,844$10,450,230$1,586,664$164,491,680
83$242,332,550$10,709,549$1,387,074$180,887,654
84$266,789,766$10,973,613$1,172,838$198,947,742
85$293,733,406$11,242,404$943,212$218,841,557
86$323,416,827$11,515,895$697,422$240,756,016
87$356,119,219$11,794,049$434,661$264,897,100
88$392,148,241$12,076,820$154,085$291,491,803
89$431,842,928$12,364,150$0$320,790,275
90$475,576,882$12,655,970$0$353,096,096
91$523,761,808$12,952,196$0$388,718,534
92$576,851,394$13,252,735$0$427,962,924
93$635,345,592$13,557,475$0$471,198,383
94$699,795,342$13,866,291$0$518,831,672
95$770,807,769$14,179,041$0$571,311,030
96$849,051,912$14,495,564$0$629,130,410
97$935,265,043$14,815,683$0$692,834,141
98$1,030,259,622$15,139,197$0$763,022,062
99$1,134,930,972$15,465,886$0$840,355,189
100$1,250,265,723$15,795,506$0$925,561,950