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%14.1%
1 years$232,047$229,980$227,964$225,995$224,073$220,271
2 years$114,875$112,735$110,662$108,652$106,702$102,882
3 years$75,822$73,674$71,606$69,614$67,696$63,979
4 years$56,300$54,158$52,111$50,153$48,281$44,695
5 years$44,590$42,461$40,440$38,522$36,703$33,257
6 years$36,785$34,672$32,681$30,807$29,042$25,741
7 years$31,213$29,118$27,158$25,328$23,619$20,464
8 years$27,036$24,959$23,033$21,247$19,594$16,585
9 years$23,788$21,732$19,838$18,098$16,501$13,636
10 years$21,192$19,155$17,295$15,600$14,060$11,336
11 years$19,069$17,053$15,226$13,577$12,092$9,506
12 years$17,301$15,306$13,513$11,909$10,478$8,028
13 years$15,807$13,832$12,073$10,514$9,137$6,818
14 years$14,527$12,573$10,848$9,333$8,010$5,818
15 years$13,418$11,485$9,794$8,323$7,052$4,983
16 years$12,449$10,538$8,880$7,453$6,233$4,283
17 years$11,595$9,705$8,080$6,696$5,527$3,690
18 years$10,837$8,968$7,376$6,035$4,914$3,188
19 years$10,159$8,311$6,752$5,453$4,380$2,759
20 years$9,550$7,723$6,197$4,938$3,912$2,392
21 years$9,000$7,194$5,700$4,482$3,501$2,076
22 years$8,500$6,715$5,254$4,075$3,138$1,805
23 years$8,045$6,281$4,851$3,711$2,817$1,570
24 years$7,628$5,884$4,486$3,385$2,532$1,368
25 years$7,245$5,522$4,155$3,091$2,278$1,192
26 years$6,892$5,190$3,854$2,827$2,052$1,040
27 years$6,565$4,884$3,578$2,587$1,850$908
28 years$6,263$4,603$3,327$2,370$1,670$793
29 years$5,982$4,342$3,096$2,174$1,508$693
30 years$5,720$4,101$2,883$1,995$1,362$605
31 years$5,475$3,876$2,688$1,832$1,232$529
32 years$5,247$3,668$2,508$1,684$1,114$463
33 years$5,032$3,474$2,342$1,548$1,008$405
34 years$4,831$3,292$2,188$1,425$913$354
35 years$4,641$3,123$2,046$1,312$827$310
36 years$4,463$2,964$1,914$1,208$749$271
37 years$4,294$2,815$1,791$1,113$679$238
38 years$4,135$2,675$1,677$1,026$616$208
39 years$3,985$2,544$1,572$946$558$182
40 years$3,842$2,420$1,473$872$506$160
41 years$3,706$2,304$1,381$805$459$140
42 years$3,578$2,194$1,296$743$417$122
43 years$3,455$2,090$1,216$686$378$107
44 years$3,339$1,993$1,141$633$343$94
45 years$3,228$1,900$1,072$585$312$82
46 years$3,122$1,813$1,006$540$283$72
47 years$3,021$1,730$946$499$257$63
48 years$2,924$1,651$889$461$233$55
49 years$2,832$1,577$835$426$212$49
50 years$2,744$1,506$785$394$193$43

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 $5,055 every year, while hoping to spend $34,250 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: 36/40/24 Blend
34$2,810,000$2,810,000$2,810,000$2,810,000
35$3,101,834$2,952,904$2,909,349$3,190,898
36$3,381,780$3,061,155$2,970,371$3,365,196
37$3,689,131$3,173,562$3,032,288$3,549,727
38$4,026,649$3,290,293$3,095,096$3,748,262
39$4,397,372$3,411,522$3,158,787$3,962,080
40$4,804,649$3,537,431$3,223,351$4,192,582
41$5,252,169$3,668,211$3,288,779$4,441,309
42$5,743,995$3,804,058$3,355,058$4,709,955
43$6,284,605$3,945,180$3,422,175$5,000,376
44$6,878,931$4,091,790$3,490,114$5,314,618
45$7,532,407$4,244,112$3,558,858$5,654,926
46$8,251,020$4,402,381$3,628,387$6,023,767
47$9,041,366$4,566,840$3,698,680$6,423,856
48$9,910,713$4,737,743$3,769,714$6,858,178
49$10,867,068$4,915,354$3,841,461$7,330,012
50$11,919,253$5,099,951$3,913,894$7,842,968
51$13,076,989$5,291,820$3,986,982$8,401,016
52$14,350,985$5,491,263$4,060,690$9,008,523
53$15,753,045$5,698,594$4,134,981$9,670,292
54$17,296,169$5,914,139$4,209,817$10,391,611
55$18,994,686$6,138,239$4,285,154$11,178,295
56$20,864,382$6,371,252$4,360,945$12,036,745
57$22,922,653$6,613,547$4,437,140$12,974,006
58$25,188,666$6,865,513$4,513,687$13,997,832
59$27,683,541$7,127,554$4,590,526$15,116,757
60$30,430,551$7,400,093$4,667,597$16,340,175
61$33,455,339$7,683,569$4,744,834$17,678,429
62$36,786,163$7,978,444$4,822,165$19,142,905
63$40,454,160$8,285,196$4,899,516$20,746,137
64$44,493,641$8,604,327$4,976,807$22,501,929
65$48,942,413$8,936,360$5,053,950$24,425,478
66$53,842,139$9,281,841$5,130,857$26,533,518
67$59,238,725$9,641,339$5,207,429$28,844,478
68$65,182,762$10,015,451$5,283,564$31,378,651
69$71,729,993$10,404,798$5,359,153$34,158,387
70$78,941,847$10,810,028$5,434,079$37,208,298
71$86,886,015$11,231,819$5,508,221$40,555,494
72$95,637,089$11,670,879$5,581,447$44,229,832
73$105,277,267$12,127,947$5,653,621$48,264,197
74$115,897,127$12,603,795$5,724,596$52,694,811
75$127,596,483$13,099,229$5,794,218$57,561,573
76$140,485,325$13,615,092$5,862,325$62,908,431
77$154,684,859$14,152,263$5,928,745$68,783,798
78$170,328,653$14,711,662$5,993,295$75,241,002
79$187,563,890$15,294,248$6,055,785$82,338,790
80$206,552,766$15,901,025$6,116,013$90,141,879
81$227,474,013$16,533,041$6,173,765$98,721,565
82$250,524,593$17,191,390$6,228,817$108,156,388
83$275,921,552$17,877,219$6,280,932$118,532,877
84$303,904,069$18,591,721$6,329,862$129,946,360
85$334,735,716$19,336,147$6,375,344$142,501,861
86$368,706,944$20,111,804$6,417,104$156,315,088
87$406,137,825$20,920,055$6,454,850$171,513,521
88$447,381,074$21,762,328$6,488,277$188,237,611
89$492,825,375$22,640,114$6,517,067$206,642,104
90$542,899,056$23,554,972$6,540,880$226,897,498
91$598,074,124$24,508,530$6,559,365$249,191,644
92$658,870,730$25,502,493$6,572,148$273,731,517
93$725,862,070$26,538,641$6,578,841$300,745,169
94$799,679,803$27,618,836$6,579,034$330,483,870
95$881,020,008$28,745,024$6,572,297$363,224,480
96$970,649,759$29,919,241$6,558,179$399,272,055
97$1,069,414,365$31,143,614$6,536,208$438,962,722
98$1,178,245,347$32,420,369$6,505,889$482,666,845
99$1,298,169,238$33,751,832$6,466,702$530,792,519
100$1,430,317,266$35,140,438$6,418,102$583,789,410