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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.4%
1 years$232,873$230,799$228,775$226,800$224,871$220,782
2 years$115,284$113,137$111,056$109,038$107,081$102,977
3 years$76,092$73,936$71,860$69,862$67,937$63,944
4 years$56,501$54,351$52,296$50,332$48,453$44,603
5 years$44,748$42,612$40,584$38,659$36,833$33,137
6 years$36,916$34,796$32,798$30,916$29,145$25,606
7 years$31,324$29,221$27,255$25,418$23,703$20,323
8 years$27,132$25,048$23,114$21,323$19,664$16,442
9 years$23,873$21,809$19,909$18,162$16,560$13,494
10 years$21,267$19,223$17,357$15,656$14,110$11,197
11 years$19,137$17,113$15,281$13,625$12,135$9,372
12 years$17,363$15,360$13,561$11,951$10,516$7,899
13 years$15,863$13,881$12,116$10,551$9,170$6,696
14 years$14,578$12,618$10,886$9,366$8,038$5,702
15 years$13,466$11,526$9,829$8,353$7,078$4,874
16 years$12,494$10,575$8,911$7,479$6,255$4,180
17 years$11,637$9,739$8,109$6,720$5,546$3,594
18 years$10,876$9,000$7,402$6,056$4,931$3,098
19 years$10,196$8,341$6,777$5,472$4,396$2,675
20 years$9,584$7,751$6,219$4,956$3,926$2,314
21 years$9,032$7,219$5,720$4,498$3,513$2,004
22 years$8,530$6,739$5,272$4,090$3,149$1,738
23 years$8,073$6,303$4,868$3,725$2,827$1,509
24 years$7,655$5,905$4,502$3,397$2,541$1,311
25 years$7,270$5,542$4,170$3,102$2,287$1,140
26 years$6,916$5,209$3,867$2,837$2,060$992
27 years$6,589$4,902$3,591$2,596$1,857$864
28 years$6,285$4,619$3,338$2,379$1,676$753
29 years$6,003$4,357$3,107$2,181$1,513$656
30 years$5,740$4,115$2,894$2,002$1,367$572
31 years$5,495$3,890$2,698$1,839$1,236$499
32 years$5,265$3,681$2,517$1,690$1,118$435
33 years$5,050$3,486$2,350$1,554$1,012$380
34 years$4,848$3,304$2,196$1,430$916$331
35 years$4,658$3,134$2,053$1,316$830$289
36 years$4,479$2,974$1,921$1,212$752$253
37 years$4,310$2,825$1,798$1,117$681$221
38 years$4,150$2,685$1,683$1,029$618$193
39 years$3,999$2,553$1,577$949$560$168
40 years$3,855$2,429$1,478$875$508$147
41 years$3,719$2,312$1,386$808$461$128
42 years$3,590$2,202$1,300$745$418$112
43 years$3,467$2,098$1,220$688$380$98
44 years$3,351$2,000$1,145$635$345$86
45 years$3,239$1,907$1,075$587$313$75
46 years$3,133$1,819$1,010$542$284$65
47 years$3,032$1,736$949$501$258$57
48 years$2,935$1,657$892$463$234$50
49 years$2,842$1,583$838$428$213$44
50 years$2,753$1,512$788$395$193$38

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 $4,735 every year, while hoping to spend $49,817 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: 75/16/9 Blend
34$2,820,000$2,820,000$2,820,000$2,820,000
35$3,112,524$2,963,064$2,919,354$3,340,939
36$3,376,997$3,055,249$2,964,148$3,584,221
37$3,666,776$3,150,282$3,008,772$3,843,971
38$3,984,390$3,248,249$3,053,169$4,127,202
39$4,332,625$3,349,240$3,097,277$4,436,226
40$4,714,547$3,453,347$3,141,030$4,773,587
41$5,133,534$3,560,665$3,184,358$5,142,088
42$5,593,309$3,671,292$3,227,189$5,544,814
43$6,097,970$3,785,328$3,269,443$5,985,162
44$6,652,032$3,902,878$3,311,038$6,466,874
45$7,260,468$4,024,048$3,351,887$6,994,070
46$7,928,757$4,148,948$3,391,896$7,571,288
47$8,662,935$4,277,691$3,430,970$8,203,528
48$9,469,651$4,410,395$3,469,004$8,896,294
49$10,356,229$4,547,178$3,505,889$9,655,652
50$11,330,740$4,688,165$3,541,512$10,488,279
51$12,402,073$4,833,483$3,575,750$11,401,536
52$13,580,023$4,983,262$3,608,476$12,403,528
53$14,875,382$5,137,639$3,639,557$13,503,183
54$16,300,039$5,296,751$3,668,850$14,710,339
55$17,867,093$5,460,741$3,696,206$16,035,832
56$19,590,976$5,629,758$3,721,469$17,491,602
57$21,487,591$5,803,951$3,744,474$19,090,802
58$23,574,458$5,983,478$3,765,046$20,847,923
59$25,870,883$6,168,498$3,783,005$22,778,931
60$28,398,135$6,359,176$3,798,158$24,901,415
61$31,179,652$6,555,683$3,810,304$27,234,758
62$34,241,259$6,758,194$3,819,231$29,800,312
63$37,611,410$6,966,888$3,824,718$32,621,606
64$41,321,459$7,181,951$3,826,531$35,724,563
65$45,405,954$7,403,572$3,824,426$39,137,747
66$49,902,963$7,631,949$3,818,146$42,892,630
67$54,854,433$7,867,283$3,807,423$47,023,892
68$60,306,587$8,109,782$3,791,973$51,569,742
69$66,310,356$8,359,658$3,771,501$56,572,286
70$72,921,863$8,617,132$3,745,697$62,077,916
71$80,202,951$8,882,430$3,714,236$68,137,755
72$88,221,767$9,155,783$3,676,777$74,808,134
73$97,053,402$9,437,431$3,632,964$82,151,122
74$106,780,604$9,727,620$3,582,423$90,235,118
75$117,494,554$10,026,603$3,524,764$99,135,491
76$129,295,731$10,334,639$3,459,576$108,935,290
77$142,294,856$10,651,996$3,386,431$119,726,032
78$156,613,936$10,978,948$3,304,881$131,608,562
79$172,387,420$11,315,779$3,214,457$144,694,006
80$189,763,463$11,662,779$3,114,668$159,104,818
81$208,905,328$12,020,247$3,005,001$174,975,937
82$229,992,921$12,388,489$2,884,919$192,456,058
83$253,224,496$12,767,821$2,753,860$211,709,038
84$278,818,518$13,158,568$2,611,238$232,915,441
85$307,015,732$13,561,063$2,456,439$256,274,241
86$338,081,430$13,975,649$2,288,824$282,004,700
87$372,307,957$14,402,677$2,107,721$310,348,440
88$410,017,470$14,842,509$1,912,431$341,571,718
89$451,564,978$15,295,518$1,702,222$375,967,945
90$497,341,691$15,762,084$1,476,333$413,860,451
91$547,778,718$16,242,600$1,233,964$455,605,538
92$603,351,129$16,737,469$974,283$501,595,843
93$664,582,443$17,247,105$696,422$552,264,045
94$732,049,571$17,771,932$399,470$608,086,947
95$806,388,258$18,312,386$82,483$669,589,977
96$888,299,083$18,868,917$0$737,352,151
97$978,554,078$19,441,982$0$812,036,098
98$1,078,004,010$20,032,055$0$894,330,443
99$1,187,586,414$20,639,621$0$985,002,209
100$1,308,334,442$21,265,176$0$1,084,905,380