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%12.6%
1 years$232,873$230,799$228,775$226,800$224,871$222,430
2 years$115,284$113,137$111,056$109,038$107,081$104,624
3 years$76,092$73,936$71,860$69,862$67,937$65,539
4 years$56,501$54,351$52,296$50,332$48,453$46,133
5 years$44,748$42,612$40,584$38,659$36,833$34,598
6 years$36,916$34,796$32,798$30,916$29,145$26,997
7 years$31,324$29,221$27,255$25,418$23,703$21,643
8 years$27,132$25,048$23,114$21,323$19,664$17,692
9 years$23,873$21,809$19,909$18,162$16,560$14,676
10 years$21,267$19,223$17,357$15,656$14,110$12,312
11 years$19,137$17,113$15,281$13,625$12,135$10,422
12 years$17,363$15,360$13,561$11,951$10,516$8,886
13 years$15,863$13,881$12,116$10,551$9,170$7,621
14 years$14,578$12,618$10,886$9,366$8,038$6,569
15 years$13,466$11,526$9,829$8,353$7,078$5,684
16 years$12,494$10,575$8,911$7,479$6,255$4,936
17 years$11,637$9,739$8,109$6,720$5,546$4,299
18 years$10,876$9,000$7,402$6,056$4,931$3,754
19 years$10,196$8,341$6,777$5,472$4,396$3,284
20 years$9,584$7,751$6,219$4,956$3,926$2,879
21 years$9,032$7,219$5,720$4,498$3,513$2,528
22 years$8,530$6,739$5,272$4,090$3,149$2,223
23 years$8,073$6,303$4,868$3,725$2,827$1,957
24 years$7,655$5,905$4,502$3,397$2,541$1,724
25 years$7,270$5,542$4,170$3,102$2,287$1,521
26 years$6,916$5,209$3,867$2,837$2,060$1,342
27 years$6,589$4,902$3,591$2,596$1,857$1,186
28 years$6,285$4,619$3,338$2,379$1,676$1,048
29 years$6,003$4,357$3,107$2,181$1,513$927
30 years$5,740$4,115$2,894$2,002$1,367$820
31 years$5,495$3,890$2,698$1,839$1,236$726
32 years$5,265$3,681$2,517$1,690$1,118$643
33 years$5,050$3,486$2,350$1,554$1,012$570
34 years$4,848$3,304$2,196$1,430$916$505
35 years$4,658$3,134$2,053$1,316$830$447
36 years$4,479$2,974$1,921$1,212$752$397
37 years$4,310$2,825$1,798$1,117$681$352
38 years$4,150$2,685$1,683$1,029$618$312
39 years$3,999$2,553$1,577$949$560$277
40 years$3,855$2,429$1,478$875$508$245
41 years$3,719$2,312$1,386$808$461$218
42 years$3,590$2,202$1,300$745$418$193
43 years$3,467$2,098$1,220$688$380$171
44 years$3,351$2,000$1,145$635$345$152
45 years$3,239$1,907$1,075$587$313$135
46 years$3,133$1,819$1,010$542$284$120
47 years$3,032$1,736$949$501$258$106
48 years$2,935$1,657$892$463$234$94
49 years$2,842$1,583$838$428$213$84
50 years$2,753$1,512$788$395$193$74

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 $5,816 every year, while hoping to spend $25,624 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: 70/8/22 Blend
34$2,820,000$2,820,000$2,820,000$2,820,000
35$3,113,639$2,964,179$2,920,469$3,314,146
36$3,403,967$3,082,160$2,991,041$3,566,802
37$3,723,049$3,205,064$3,063,119$3,839,715
38$4,073,791$3,333,103$3,136,725$4,137,832
39$4,459,396$3,466,503$3,211,883$4,463,647
40$4,883,389$3,605,497$3,288,616$4,819,905
41$5,349,658$3,750,329$3,366,948$5,209,630
42$5,862,484$3,901,256$3,446,901$5,636,151
43$6,426,583$4,058,543$3,528,498$6,103,134
44$7,047,153$4,222,470$3,611,761$6,614,619
45$7,729,920$4,393,329$3,696,713$7,175,051
46$8,481,195$4,571,425$3,783,376$7,789,328
47$9,307,928$4,757,077$3,871,770$8,462,845
48$10,217,781$4,950,617$3,961,918$9,201,544
49$11,219,192$5,152,395$4,053,840$10,011,969
50$12,321,462$5,362,775$4,147,556$10,901,330
51$13,534,838$5,582,137$4,243,086$11,877,567
52$14,870,610$5,810,881$4,340,448$12,949,429
53$16,341,221$6,049,423$4,439,662$14,126,551
54$17,960,379$6,298,198$4,540,744$15,419,550
55$19,743,190$6,557,662$4,643,711$16,840,121
56$21,706,300$6,828,292$4,748,580$18,401,147
57$23,868,050$7,110,586$4,855,365$20,116,823
58$26,248,652$7,405,065$4,964,080$22,002,786
59$28,870,375$7,712,274$5,074,738$24,076,265
60$31,757,762$8,032,784$5,187,350$26,356,242
61$34,937,854$8,367,191$5,301,927$28,863,630
62$38,440,452$8,716,120$5,418,478$31,621,470
63$42,298,390$9,080,222$5,537,009$34,655,149
64$46,547,854$9,460,181$5,657,527$37,992,638
65$51,228,717$9,856,712$5,780,036$41,664,756
66$56,384,917$10,270,562$5,904,538$45,705,462
67$62,064,872$10,702,512$6,031,033$50,152,169
68$68,321,935$11,153,382$6,159,520$55,046,105
69$75,214,903$11,624,028$6,289,994$60,432,694
70$82,808,563$12,115,345$6,422,449$66,361,989
71$91,174,311$12,628,272$6,556,876$72,889,140
72$100,390,823$13,163,790$6,693,263$80,074,919
73$110,544,796$13,722,925$6,831,596$87,986,286
74$121,731,769$14,306,751$6,971,858$96,697,027
75$134,057,022$14,916,395$7,114,029$106,288,444
76$147,636,573$15,553,032$7,258,083$116,850,128
77$162,598,268$16,217,896$7,403,993$128,480,796
78$179,082,993$16,912,274$7,551,729$141,289,229
79$197,246,001$17,637,518$7,701,254$155,395,294
80$217,258,376$18,395,040$7,852,529$170,931,077
81$239,308,653$19,186,319$8,005,511$188,042,126
82$263,604,590$20,012,903$8,160,150$206,888,826
83$290,375,135$20,876,413$8,316,393$227,647,911
84$319,872,588$21,778,546$8,474,181$250,514,134
85$352,374,974$22,721,077$8,633,448$275,702,100
86$388,188,679$23,705,868$8,794,126$303,448,293
87$427,651,333$24,734,864$8,956,138$334,013,309
88$471,135,001$25,810,104$9,119,400$367,684,311
89$519,049,694$26,933,722$9,283,824$404,777,741
90$571,847,243$28,107,954$9,449,311$445,642,305
91$630,025,557$29,335,140$9,615,759$490,662,267
92$694,133,331$30,617,729$9,783,054$540,261,068
93$764,775,221$31,958,288$9,951,077$594,905,328
94$842,617,553$33,359,503$10,119,697$655,109,248
95$928,394,613$34,824,189$10,288,777$721,439,461
96$1,022,915,581$36,355,291$10,458,168$794,520,383
97$1,127,072,166$37,955,896$10,627,713$875,040,101
98$1,241,847,028$39,629,236$10,797,241$963,756,873
99$1,368,323,050$41,378,694$10,966,575$1,061,506,278
100$1,507,693,567$43,207,816$11,135,521$1,169,209,109