Can I retire at age 35 with 2,820,000?

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 $2,820,000?

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$232,873$230,799$228,775$226,800$224,871$219,702
2 years$115,284$113,137$111,056$109,038$107,081$101,903
3 years$76,092$73,936$71,860$69,862$67,937$62,910
4 years$56,501$54,351$52,296$50,332$48,453$43,616
5 years$44,748$42,612$40,584$38,659$36,833$32,201
6 years$36,916$34,796$32,798$30,916$29,145$24,721
7 years$31,324$29,221$27,255$25,418$23,703$19,488
8 years$27,132$25,048$23,114$21,323$19,664$15,657
9 years$23,873$21,809$19,909$18,162$16,560$12,757
10 years$21,267$19,223$17,357$15,656$14,110$10,508
11 years$19,137$17,113$15,281$13,625$12,135$8,729
12 years$17,363$15,360$13,561$11,951$10,516$7,300
13 years$15,863$13,881$12,116$10,551$9,170$6,138
14 years$14,578$12,618$10,886$9,366$8,038$5,185
15 years$13,466$11,526$9,829$8,353$7,078$4,395
16 years$12,494$10,575$8,911$7,479$6,255$3,738
17 years$11,637$9,739$8,109$6,720$5,546$3,186
18 years$10,876$9,000$7,402$6,056$4,931$2,722
19 years$10,196$8,341$6,777$5,472$4,396$2,330
20 years$9,584$7,751$6,219$4,956$3,926$1,997
21 years$9,032$7,219$5,720$4,498$3,513$1,714
22 years$8,530$6,739$5,272$4,090$3,149$1,473
23 years$8,073$6,303$4,868$3,725$2,827$1,267
24 years$7,655$5,905$4,502$3,397$2,541$1,090
25 years$7,270$5,542$4,170$3,102$2,287$939
26 years$6,916$5,209$3,867$2,837$2,060$809
27 years$6,589$4,902$3,591$2,596$1,857$698
28 years$6,285$4,619$3,338$2,379$1,676$602
29 years$6,003$4,357$3,107$2,181$1,513$520
30 years$5,740$4,115$2,894$2,002$1,367$449
31 years$5,495$3,890$2,698$1,839$1,236$387
32 years$5,265$3,681$2,517$1,690$1,118$335
33 years$5,050$3,486$2,350$1,554$1,012$289
34 years$4,848$3,304$2,196$1,430$916$250
35 years$4,658$3,134$2,053$1,316$830$216
36 years$4,479$2,974$1,921$1,212$752$187
37 years$4,310$2,825$1,798$1,117$681$161
38 years$4,150$2,685$1,683$1,029$618$139
39 years$3,999$2,553$1,577$949$560$121
40 years$3,855$2,429$1,478$875$508$104
41 years$3,719$2,312$1,386$808$461$90
42 years$3,590$2,202$1,300$745$418$78
43 years$3,467$2,098$1,220$688$380$67
44 years$3,351$2,000$1,145$635$345$58
45 years$3,239$1,907$1,075$587$313$50
46 years$3,133$1,819$1,010$542$284$44
47 years$3,032$1,736$949$501$258$38
48 years$2,935$1,657$892$463$234$33
49 years$2,842$1,583$838$428$213$28
50 years$2,753$1,512$788$395$193$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,820,000, adding $6,067 every year, while hoping to spend $24,197 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: 60/19/21 Blend
34$2,820,000$2,820,000$2,820,000$2,820,000
35$3,113,898$2,964,438$2,920,728$3,283,167
36$3,405,770$3,083,950$2,992,827$3,518,102
37$3,726,602$3,208,507$3,066,530$3,771,121
38$4,079,323$3,338,331$3,141,866$4,046,630
39$4,467,158$3,473,654$3,218,863$4,346,816
40$4,893,662$3,614,717$3,297,549$4,674,082
41$5,362,752$3,761,774$3,377,953$5,031,076
42$5,878,742$3,915,090$3,460,103$5,420,709
43$6,446,386$4,074,942$3,544,029$5,846,186
44$7,070,921$4,241,618$3,629,759$6,311,033
45$7,758,121$4,415,423$3,717,321$6,819,135
46$8,514,342$4,596,672$3,806,744$7,374,765
47$9,346,592$4,785,696$3,898,057$7,982,627
48$10,262,591$4,982,841$3,991,289$8,647,901
49$11,270,845$5,188,471$4,086,467$9,376,291
50$12,380,728$5,402,962$4,183,620$10,174,075
51$13,602,566$5,626,711$4,282,775$11,048,168
52$14,947,741$5,860,133$4,383,961$12,006,182
53$16,428,792$6,103,660$4,487,205$13,056,500
54$18,059,535$6,357,747$4,592,533$14,208,356
55$19,855,197$6,622,866$4,699,972$15,471,917
56$21,832,555$6,899,514$4,809,549$16,858,380
57$24,010,095$7,188,210$4,921,289$18,380,078
58$26,408,189$7,489,496$5,035,216$20,050,594
59$29,049,284$7,803,941$5,151,355$21,884,889
60$31,958,116$8,132,139$5,269,731$23,899,442
61$35,161,941$8,474,711$5,390,364$26,112,403
62$38,690,796$8,832,309$5,513,278$28,543,768
63$42,577,778$9,205,612$5,638,493$31,215,560
64$46,859,357$9,595,334$5,766,029$34,152,041
65$51,575,726$10,002,219$5,895,905$37,379,938
66$56,771,170$10,427,048$6,028,138$40,928,692
67$62,494,494$10,870,638$6,162,745$44,830,739
68$68,799,476$11,333,842$6,299,740$49,121,811
69$75,745,377$11,817,556$6,439,137$53,841,274
70$83,397,504$12,322,714$6,580,946$59,032,496
71$91,827,820$12,850,298$6,725,178$64,743,258
72$101,115,627$13,401,332$6,871,841$71,026,199
73$111,348,313$13,976,889$7,020,940$77,939,318
74$122,622,179$14,578,095$7,172,479$85,546,511
75$135,043,343$15,206,123$7,326,459$93,918,181
76$148,728,748$15,862,207$7,482,879$103,131,894
77$163,807,260$16,547,635$7,641,736$113,273,114
78$180,420,888$17,263,757$7,803,021$124,436,003
79$198,726,122$18,011,985$7,966,726$136,724,315
80$218,895,413$18,793,798$8,132,838$150,252,364
81$241,118,797$19,610,747$8,301,340$165,146,109
82$265,605,693$20,464,451$8,472,213$181,544,335
83$292,586,874$21,356,609$8,645,433$199,599,965
84$322,316,651$22,289,000$8,820,971$219,481,496
85$355,075,272$23,263,484$8,998,796$241,374,594
86$391,171,566$24,282,010$9,178,872$265,483,836
87$430,945,858$25,346,621$9,361,157$292,034,644
88$474,773,184$26,459,454$9,545,604$321,275,408
89$523,066,829$27,622,747$9,732,161$353,479,827
90$576,282,229$28,838,845$9,920,772$388,949,491
91$634,921,271$30,110,204$10,111,373$428,016,723
92$699,537,031$31,439,394$10,303,894$471,047,714
93$770,738,993$32,829,108$10,498,259$518,445,976
94$849,198,804$34,282,168$10,694,385$570,656,147
95$935,656,615$35,801,528$10,892,180$628,168,184
96$1,030,928,068$37,390,282$11,091,547$691,521,985
97$1,135,911,996$39,051,670$11,292,378$761,312,481
98$1,251,598,906$40,789,089$11,494,559$838,195,248
99$1,379,080,334$42,606,093$11,697,966$922,892,692
100$1,519,559,144$44,506,408$11,902,465$1,016,200,861