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%15.6%
1 years$232,047$229,980$227,964$225,995$224,073$218,923
2 years$114,875$112,735$110,662$108,652$106,702$101,541
3 years$75,822$73,674$71,606$69,614$67,696$62,687
4 years$56,300$54,158$52,111$50,153$48,281$43,462
5 years$44,590$42,461$40,440$38,522$36,703$32,086
6 years$36,785$34,672$32,681$30,807$29,042$24,633
7 years$31,213$29,118$27,158$25,328$23,619$19,419
8 years$27,036$24,959$23,033$21,247$19,594$15,601
9 years$23,788$21,732$19,838$18,098$16,501$12,712
10 years$21,192$19,155$17,295$15,600$14,060$10,471
11 years$19,069$17,053$15,226$13,577$12,092$8,698
12 years$17,301$15,306$13,513$11,909$10,478$7,274
13 years$15,807$13,832$12,073$10,514$9,137$6,117
14 years$14,527$12,573$10,848$9,333$8,010$5,166
15 years$13,418$11,485$9,794$8,323$7,052$4,380
16 years$12,449$10,538$8,880$7,453$6,233$3,724
17 years$11,595$9,705$8,080$6,696$5,527$3,175
18 years$10,837$8,968$7,376$6,035$4,914$2,712
19 years$10,159$8,311$6,752$5,453$4,380$2,322
20 years$9,550$7,723$6,197$4,938$3,912$1,990
21 years$9,000$7,194$5,700$4,482$3,501$1,708
22 years$8,500$6,715$5,254$4,075$3,138$1,468
23 years$8,045$6,281$4,851$3,711$2,817$1,262
24 years$7,628$5,884$4,486$3,385$2,532$1,086
25 years$7,245$5,522$4,155$3,091$2,278$936
26 years$6,892$5,190$3,854$2,827$2,052$807
27 years$6,565$4,884$3,578$2,587$1,850$696
28 years$6,263$4,603$3,327$2,370$1,670$600
29 years$5,982$4,342$3,096$2,174$1,508$518
30 years$5,720$4,101$2,883$1,995$1,362$447
31 years$5,475$3,876$2,688$1,832$1,232$386
32 years$5,247$3,668$2,508$1,684$1,114$333
33 years$5,032$3,474$2,342$1,548$1,008$288
34 years$4,831$3,292$2,188$1,425$913$249
35 years$4,641$3,123$2,046$1,312$827$215
36 years$4,463$2,964$1,914$1,208$749$186
37 years$4,294$2,815$1,791$1,113$679$161
38 years$4,135$2,675$1,677$1,026$616$139
39 years$3,985$2,544$1,572$946$558$120
40 years$3,842$2,420$1,473$872$506$104
41 years$3,706$2,304$1,381$805$459$90
42 years$3,578$2,194$1,296$743$417$78
43 years$3,455$2,090$1,216$686$378$67
44 years$3,339$1,993$1,141$633$343$58
45 years$3,228$1,900$1,072$585$312$50
46 years$3,122$1,813$1,006$540$283$43
47 years$3,021$1,730$946$499$257$38
48 years$2,924$1,651$889$461$233$32
49 years$2,832$1,577$835$426$212$28
50 years$2,744$1,506$785$394$193$24

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 $6,522 every year, while hoping to spend $39,148 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: 57/30/13 Blend
34$2,810,000$2,810,000$2,810,000$2,810,000
35$3,103,347$2,954,417$2,910,862$3,269,661
36$3,378,236$3,057,531$2,966,723$3,486,019
37$3,679,851$3,164,384$3,023,143$3,716,784
38$4,010,877$3,275,121$3,080,100$3,967,321
39$4,374,271$3,389,887$3,137,568$4,239,529
40$4,773,292$3,508,837$3,195,522$4,535,501
41$5,211,528$3,632,130$3,253,932$4,857,537
42$5,692,932$3,759,932$3,312,767$5,208,168
43$6,221,858$3,892,416$3,371,992$5,590,180
44$6,803,105$4,029,761$3,431,571$6,006,638
45$7,441,957$4,172,155$3,491,464$6,460,914
46$8,144,238$4,319,792$3,551,629$6,956,724
47$8,916,362$4,472,873$3,612,020$7,498,152
48$9,765,397$4,631,611$3,672,589$8,089,700
49$10,699,130$4,796,222$3,733,284$8,736,320
50$11,726,141$4,966,936$3,794,048$9,443,466
51$12,855,880$5,143,990$3,854,822$10,217,141
52$14,098,765$5,327,629$3,915,543$11,063,957
53$15,466,268$5,518,112$3,976,143$11,991,194
54$16,971,033$5,715,706$4,036,550$13,006,868
55$18,626,992$5,920,689$4,096,687$14,119,806
56$20,449,493$6,133,351$4,156,474$15,339,732
57$22,455,450$6,353,993$4,215,825$16,677,352
58$24,663,497$6,582,930$4,274,646$18,144,459
59$27,094,170$6,820,490$4,332,843$19,754,041
60$29,770,093$7,067,012$4,390,311$21,520,404
61$32,716,199$7,322,852$4,446,943$23,459,305
62$35,959,958$7,588,379$4,502,623$25,588,103
63$39,531,643$7,863,978$4,557,229$27,925,915
64$43,464,607$8,150,050$4,610,633$30,493,803
65$47,795,608$8,447,013$4,662,700$33,314,969
66$52,565,145$8,755,301$4,713,286$36,414,970
67$57,817,848$9,075,370$4,762,239$39,821,962
68$63,602,895$9,407,689$4,809,401$43,566,964
69$69,974,477$9,752,753$4,854,602$47,684,147
70$76,992,309$10,111,073$4,897,667$52,211,160
71$84,722,194$10,483,185$4,938,408$57,189,478
72$93,236,642$10,869,646$4,976,629$62,664,797
73$102,615,557$11,271,035$5,012,123$68,687,464
74$112,946,987$11,687,960$5,044,673$75,312,947
75$124,327,960$12,121,050$5,074,050$82,602,361
76$136,865,393$12,570,963$5,100,012$90,623,040
77$150,677,109$13,038,385$5,122,308$99,449,174
78$165,892,940$13,524,032$5,140,671$109,162,508
79$182,655,958$14,028,648$5,154,822$119,853,107
80$201,123,826$14,553,012$5,164,469$131,620,211
81$221,470,281$15,097,934$5,169,302$144,573,166
82$243,886,776$15,664,259$5,169,001$158,832,454
83$268,584,289$16,252,870$5,163,225$174,530,832
84$295,795,312$16,864,687$5,151,618$191,814,578
85$325,776,046$17,500,668$5,133,809$210,844,876
86$358,808,817$18,161,815$5,109,406$231,799,328
87$395,204,745$18,849,172$5,077,999$254,873,635
88$435,306,676$19,563,829$5,039,160$280,283,439
89$479,492,422$20,306,922$4,992,437$308,266,355
90$528,178,325$21,079,637$4,937,359$339,084,216
91$581,823,187$21,883,212$4,873,433$373,025,536
92$640,932,600$22,718,938$4,800,142$410,408,237
93$706,063,723$23,588,163$4,716,945$451,582,643
94$777,830,534$24,492,295$4,623,274$496,934,786
95$856,909,632$25,432,801$4,518,537$546,890,048
96$944,046,620$26,411,213$4,402,113$601,917,171
97$1,040,063,145$27,429,132$4,273,353$662,532,682
98$1,145,864,654$28,488,228$4,131,579$729,305,763
99$1,262,448,942$29,590,245$3,976,080$802,863,623
100$1,390,915,569$30,737,002$3,806,114$883,897,413