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%14.3%
1 years$232,873$230,799$228,775$226,800$224,871$220,873
2 years$115,284$113,137$111,056$109,038$107,081$103,067
3 years$76,092$73,936$71,860$69,862$67,937$64,031
4 years$56,501$54,351$52,296$50,332$48,453$44,687
5 years$44,748$42,612$40,584$38,659$36,833$33,216
6 years$36,916$34,796$32,798$30,916$29,145$25,682
7 years$31,324$29,221$27,255$25,418$23,703$20,394
8 years$27,132$25,048$23,114$21,323$19,664$16,509
9 years$23,873$21,809$19,909$18,162$16,560$13,557
10 years$21,267$19,223$17,357$15,656$14,110$11,256
11 years$19,137$17,113$15,281$13,625$12,135$9,428
12 years$17,363$15,360$13,561$11,951$10,516$7,951
13 years$15,863$13,881$12,116$10,551$9,170$6,744
14 years$14,578$12,618$10,886$9,366$8,038$5,747
15 years$13,466$11,526$9,829$8,353$7,078$4,916
16 years$12,494$10,575$8,911$7,479$6,255$4,219
17 years$11,637$9,739$8,109$6,720$5,546$3,630
18 years$10,876$9,000$7,402$6,056$4,931$3,131
19 years$10,196$8,341$6,777$5,472$4,396$2,706
20 years$9,584$7,751$6,219$4,956$3,926$2,342
21 years$9,032$7,219$5,720$4,498$3,513$2,030
22 years$8,530$6,739$5,272$4,090$3,149$1,762
23 years$8,073$6,303$4,868$3,725$2,827$1,531
24 years$7,655$5,905$4,502$3,397$2,541$1,331
25 years$7,270$5,542$4,170$3,102$2,287$1,159
26 years$6,916$5,209$3,867$2,837$2,060$1,009
27 years$6,589$4,902$3,591$2,596$1,857$879
28 years$6,285$4,619$3,338$2,379$1,676$767
29 years$6,003$4,357$3,107$2,181$1,513$669
30 years$5,740$4,115$2,894$2,002$1,367$584
31 years$5,495$3,890$2,698$1,839$1,236$509
32 years$5,265$3,681$2,517$1,690$1,118$445
33 years$5,050$3,486$2,350$1,554$1,012$388
34 years$4,848$3,304$2,196$1,430$916$339
35 years$4,658$3,134$2,053$1,316$830$296
36 years$4,479$2,974$1,921$1,212$752$259
37 years$4,310$2,825$1,798$1,117$681$226
38 years$4,150$2,685$1,683$1,029$618$198
39 years$3,999$2,553$1,577$949$560$173
40 years$3,855$2,429$1,478$875$508$151
41 years$3,719$2,312$1,386$808$461$132
42 years$3,590$2,202$1,300$745$418$116
43 years$3,467$2,098$1,220$688$380$101
44 years$3,351$2,000$1,145$635$345$88
45 years$3,239$1,907$1,075$587$313$77
46 years$3,133$1,819$1,010$542$284$68
47 years$3,032$1,736$949$501$258$59
48 years$2,935$1,657$892$463$234$52
49 years$2,842$1,583$838$428$213$45
50 years$2,753$1,512$788$395$193$40

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 $6,182 every year, while hoping to spend $59,662 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: 56/21/23 Blend
34$2,820,000$2,820,000$2,820,000$2,820,000
35$3,114,017$2,964,557$2,920,847$3,268,605
36$3,368,167$3,046,340$2,955,215$3,456,879
37$3,646,240$3,130,131$2,988,735$3,655,060
38$3,950,614$3,215,966$3,021,316$3,869,703
39$4,283,907$3,303,878$3,052,860$4,102,410
40$4,649,002$3,393,904$3,083,267$4,354,941
41$5,049,072$3,486,077$3,112,428$4,629,239
42$5,487,614$3,580,432$3,140,231$4,927,442
43$5,968,479$3,677,001$3,166,558$5,251,905
44$6,495,908$3,775,818$3,191,281$5,605,224
45$7,074,571$3,876,915$3,214,270$5,990,257
46$7,709,615$3,980,321$3,235,386$6,410,152
47$8,406,707$4,086,068$3,254,483$6,868,381
48$9,172,090$4,194,184$3,271,406$7,368,765
49$10,012,640$4,304,696$3,285,995$7,915,516
50$10,935,934$4,417,631$3,298,081$8,513,275
51$11,950,317$4,533,012$3,307,484$9,167,155
52$13,064,983$4,650,864$3,314,019$9,882,792
53$14,290,061$4,771,205$3,317,488$10,666,393
54$15,636,709$4,894,056$3,317,685$11,524,801
55$17,117,220$5,019,431$3,314,394$12,465,553
56$18,745,138$5,147,346$3,307,389$13,496,958
57$20,535,387$5,277,810$3,296,430$14,628,170
58$22,504,405$5,410,831$3,281,270$15,869,278
59$24,670,307$5,546,415$3,261,645$17,231,400
60$27,053,050$5,684,561$3,237,282$18,726,786
61$29,674,623$5,825,267$3,207,893$20,368,938
62$32,559,256$5,968,526$3,173,178$22,172,735
63$35,733,642$6,114,326$3,132,822$24,154,574
64$39,227,196$6,262,650$3,086,494$26,332,524
65$43,072,327$6,413,477$3,033,849$28,726,501
66$47,304,746$6,566,779$2,974,524$31,358,450
67$51,963,801$6,722,523$2,908,142$34,252,557
68$57,092,851$6,880,668$2,834,307$37,435,475
69$62,739,669$7,041,168$2,752,603$40,936,580
70$68,956,897$7,203,967$2,662,598$44,788,243
71$75,802,544$7,369,004$2,563,837$49,026,139
72$83,340,525$7,536,208$2,455,848$53,689,586
73$91,641,273$7,705,496$2,338,134$58,821,914
74$100,782,398$7,876,781$2,210,176$64,470,875
75$110,849,420$8,049,961$2,071,435$70,689,094
76$121,936,576$8,224,923$1,921,342$77,534,567
77$134,147,707$8,401,545$1,759,308$85,071,212
78$147,597,243$8,579,690$1,584,714$93,369,467
79$162,411,275$8,759,208$1,396,915$102,506,960
80$178,728,750$8,939,935$1,195,237$112,569,242
81$196,702,781$9,121,690$978,975$123,650,596
82$216,502,089$9,304,277$747,396$135,854,927
83$238,312,599$9,487,483$499,730$149,296,741
84$262,339,190$9,671,077$235,178$164,102,235
85$288,807,634$9,854,806$0$180,410,482
86$317,966,719$10,038,397$0$198,386,318
87$350,090,602$10,221,557$0$218,249,424
88$385,481,397$10,403,967$0$240,128,393
89$424,472,022$10,585,284$0$264,228,599
90$467,429,344$10,765,138$0$290,776,360
91$514,757,640$10,943,132$0$320,021,072
92$566,902,412$11,118,839$0$352,237,571
93$624,354,596$11,291,800$0$387,728,717
94$687,655,188$11,461,522$0$426,828,263
95$757,400,358$11,627,477$0$469,903,996
96$834,247,073$11,789,101$0$517,361,218
97$918,919,296$11,945,789$0$569,646,567
98$1,012,214,825$12,096,894$0$627,252,235
99$1,115,012,820$12,241,725$0$690,720,614
100$1,228,282,101$12,379,542$0$760,649,419