Can I retire at age 35 with 2,810,000?

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 $2,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$232,047$229,980$227,964$225,995$224,073$218,126
2 years$114,875$112,735$110,662$108,652$106,702$100,751
3 years$75,822$73,674$71,606$69,614$67,696$61,928
4 years$56,300$54,158$52,111$50,153$48,281$42,741
5 years$44,590$42,461$40,440$38,522$36,703$31,406
6 years$36,785$34,672$32,681$30,807$29,042$23,992
7 years$31,213$29,118$27,158$25,328$23,619$18,818
8 years$27,036$24,959$23,033$21,247$19,594$15,039
9 years$23,788$21,732$19,838$18,098$16,501$12,188
10 years$21,192$19,155$17,295$15,600$14,060$9,983
11 years$19,069$17,053$15,226$13,577$12,092$8,245
12 years$17,301$15,306$13,513$11,909$10,478$6,855
13 years$15,807$13,832$12,073$10,514$9,137$5,729
14 years$14,527$12,573$10,848$9,333$8,010$4,809
15 years$13,418$11,485$9,794$8,323$7,052$4,052
16 years$12,449$10,538$8,880$7,453$6,233$3,423
17 years$11,595$9,705$8,080$6,696$5,527$2,899
18 years$10,837$8,968$7,376$6,035$4,914$2,461
19 years$10,159$8,311$6,752$5,453$4,380$2,092
20 years$9,550$7,723$6,197$4,938$3,912$1,781
21 years$9,000$7,194$5,700$4,482$3,501$1,518
22 years$8,500$6,715$5,254$4,075$3,138$1,295
23 years$8,045$6,281$4,851$3,711$2,817$1,106
24 years$7,628$5,884$4,486$3,385$2,532$945
25 years$7,245$5,522$4,155$3,091$2,278$809
26 years$6,892$5,190$3,854$2,827$2,052$692
27 years$6,565$4,884$3,578$2,587$1,850$592
28 years$6,263$4,603$3,327$2,370$1,670$507
29 years$5,982$4,342$3,096$2,174$1,508$434
30 years$5,720$4,101$2,883$1,995$1,362$372
31 years$5,475$3,876$2,688$1,832$1,232$319
32 years$5,247$3,668$2,508$1,684$1,114$274
33 years$5,032$3,474$2,342$1,548$1,008$235
34 years$4,831$3,292$2,188$1,425$913$201
35 years$4,641$3,123$2,046$1,312$827$173
36 years$4,463$2,964$1,914$1,208$749$148
37 years$4,294$2,815$1,791$1,113$679$127
38 years$4,135$2,675$1,677$1,026$616$109
39 years$3,985$2,544$1,572$946$558$93
40 years$3,842$2,420$1,473$872$506$80
41 years$3,706$2,304$1,381$805$459$69
42 years$3,578$2,194$1,296$743$417$59
43 years$3,455$2,090$1,216$686$378$51
44 years$3,339$1,993$1,141$633$343$43
45 years$3,228$1,900$1,072$585$312$37
46 years$3,122$1,813$1,006$540$283$32
47 years$3,021$1,730$946$499$257$27
48 years$2,924$1,651$889$461$233$24
49 years$2,832$1,577$835$426$212$20
50 years$2,744$1,506$785$394$193$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,810,000, adding $5,865 every year, while hoping to spend $25,598 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: 70/11/19 Blend
34$2,810,000$2,810,000$2,810,000$2,810,000
35$3,102,670$2,953,740$2,910,185$3,305,187
36$3,391,906$3,071,237$2,980,440$3,558,425
37$3,709,786$3,193,634$3,052,191$3,831,922
38$4,059,206$3,321,143$3,125,460$4,130,639
39$4,443,353$3,453,987$3,200,271$4,457,065
40$4,865,741$3,592,399$3,276,647$4,813,942
41$5,330,242$3,736,622$3,354,610$5,204,290
42$5,841,121$3,886,910$3,434,183$5,631,432
43$6,403,075$4,043,528$3,515,388$6,099,028
44$7,021,283$4,206,755$3,598,248$6,611,107
45$7,701,448$4,376,881$3,682,783$7,172,109
46$8,449,856$4,554,208$3,769,017$7,786,921
47$9,273,432$4,739,055$3,856,970$8,460,925
48$10,179,806$4,931,753$3,946,662$9,200,050
49$11,177,385$5,132,648$4,038,114$10,010,825
50$12,275,434$5,342,102$4,131,346$10,900,443
51$13,484,159$5,560,496$4,226,377$11,876,824
52$14,814,807$5,788,225$4,323,225$12,948,696
53$16,279,773$6,025,703$4,421,908$14,125,668
54$17,892,712$6,273,364$4,522,444$15,418,329
55$19,668,671$6,531,662$4,624,848$16,838,342
56$21,624,231$6,801,069$4,729,137$18,398,555
57$23,777,663$7,082,082$4,835,323$20,113,123
58$26,149,100$7,375,219$4,943,422$21,997,638
59$28,760,725$7,681,022$5,053,444$24,069,278
60$31,636,986$8,000,059$5,165,401$26,346,970
61$34,804,820$8,332,923$5,279,303$28,851,562
62$38,293,909$8,680,234$5,395,158$31,606,027
63$42,136,964$9,042,642$5,512,972$34,635,672
64$46,370,029$9,420,826$5,632,751$37,968,382
65$51,032,822$9,815,496$5,754,497$41,634,878
66$56,169,110$10,227,396$5,878,214$45,669,009
67$61,827,125$10,657,304$6,003,900$50,108,070
68$68,060,013$11,106,034$6,131,552$54,993,152
69$74,926,342$11,574,436$6,261,166$60,369,531
70$82,490,648$12,063,403$6,392,734$66,287,092
71$90,824,051$12,573,867$6,526,248$72,800,804
72$100,004,921$13,106,803$6,661,694$79,971,230
73$110,119,619$13,663,232$6,799,057$87,865,106
74$121,263,314$14,244,224$6,938,318$96,555,964
75$133,540,877$14,850,897$7,079,458$106,124,827
76$147,067,876$15,484,420$7,222,449$116,660,974
77$161,971,663$16,146,020$7,367,265$128,262,780
78$178,392,576$16,836,979$7,513,871$141,038,646
79$196,485,266$17,558,638$7,662,234$155,108,015
80$216,420,155$18,312,403$7,812,310$170,602,505
81$238,385,045$19,099,745$7,964,056$187,667,149
82$262,586,889$19,922,202$8,117,422$206,461,759
83$289,253,748$20,781,386$8,272,352$227,162,436
84$318,636,942$21,678,985$8,428,787$249,963,230
85$351,013,419$22,616,765$8,586,660$275,077,972
86$386,688,376$23,596,574$8,745,901$302,742,289
87$425,998,133$24,620,349$8,906,432$333,215,828
88$469,313,313$25,690,117$9,068,168$366,784,704
89$517,042,338$26,807,999$9,231,018$403,764,202
90$569,635,283$27,976,218$9,394,884$444,501,748
91$627,588,130$29,197,101$9,559,661$489,380,189
92$691,447,444$30,473,083$9,725,234$538,821,405
93$761,815,535$31,806,717$9,891,482$593,290,289
94$839,356,146$33,200,672$10,058,273$653,299,135
95$924,800,716$34,657,748$10,225,468$719,412,470
96$1,018,955,284$36,180,872$10,392,916$792,252,383
97$1,122,708,102$37,773,114$10,560,458$872,504,393
98$1,237,038,018$39,437,687$10,727,923$960,923,923
99$1,363,023,717$41,177,954$10,895,129$1,058,343,422
100$1,501,853,903$42,997,441$11,061,883$1,165,680,226