Can I retire at age 35 with 2,850,000?

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 $2,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$235,350$233,254$231,209$229,212$227,263$224,609
2 years$116,510$114,340$112,237$110,198$108,220$105,550
3 years$76,902$74,723$72,625$70,605$68,660$66,054
4 years$57,102$54,929$52,852$50,867$48,969$46,449
5 years$45,225$43,065$41,016$39,071$37,225$34,798
6 years$37,309$35,166$33,147$31,245$29,455$27,124
7 years$31,657$29,532$27,545$25,688$23,955$21,721
8 years$27,421$25,315$23,360$21,549$19,873$17,736
9 years$24,127$22,041$20,120$18,355$16,736$14,694
10 years$21,494$19,428$17,541$15,822$14,260$12,313
11 years$19,341$17,296$15,443$13,770$12,264$10,410
12 years$17,548$15,524$13,705$12,078$10,628$8,864
13 years$16,032$14,029$12,245$10,663$9,267$7,593
14 years$14,733$12,752$11,002$9,466$8,124$6,535
15 years$13,609$11,649$9,933$8,442$7,153$5,648
16 years$12,627$10,688$9,006$7,559$6,322$4,898
17 years$11,760$9,843$8,195$6,791$5,605$4,260
18 years$10,991$9,095$7,481$6,120$4,984$3,714
19 years$10,304$8,429$6,849$5,530$4,442$3,245
20 years$9,686$7,833$6,285$5,009$3,968$2,840
21 years$9,128$7,296$5,781$4,546$3,551$2,490
22 years$8,621$6,811$5,328$4,133$3,183$2,186
23 years$8,159$6,370$4,920$3,764$2,857$1,921
24 years$7,736$5,968$4,550$3,433$2,568$1,691
25 years$7,348$5,601$4,214$3,135$2,311$1,489
26 years$6,990$5,264$3,908$2,867$2,082$1,312
27 years$6,659$4,954$3,629$2,624$1,877$1,157
28 years$6,352$4,668$3,374$2,404$1,693$1,021
29 years$6,067$4,404$3,140$2,205$1,529$902
30 years$5,801$4,159$2,925$2,023$1,382$797
31 years$5,553$3,932$2,726$1,858$1,249$704
32 years$5,321$3,720$2,544$1,708$1,130$622
33 years$5,104$3,523$2,375$1,570$1,023$550
34 years$4,900$3,339$2,219$1,445$926$487
35 years$4,708$3,167$2,075$1,330$839$431
36 years$4,526$3,006$1,941$1,225$760$381
37 years$4,356$2,855$1,817$1,129$689$337
38 years$4,194$2,713$1,701$1,040$624$299
39 years$4,041$2,580$1,594$959$566$265
40 years$3,896$2,455$1,494$885$513$234
41 years$3,759$2,337$1,401$816$466$208
42 years$3,628$2,225$1,314$753$423$184
43 years$3,504$2,120$1,233$695$384$163
44 years$3,386$2,021$1,157$642$348$144
45 years$3,274$1,927$1,087$593$316$128
46 years$3,166$1,839$1,021$548$287$113
47 years$3,064$1,755$959$506$261$100
48 years$2,966$1,675$901$468$237$89
49 years$2,872$1,599$847$432$215$79
50 years$2,783$1,528$796$399$195$70

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,850,000, adding $4,685 every year, while hoping to spend $26,505 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: 25/48/27 Blend
34$2,850,000$2,850,000$2,850,000$2,850,000
35$3,145,533$2,994,483$2,950,308$3,197,364
36$3,438,176$3,113,011$3,020,942$3,359,297
37$3,759,780$3,236,459$3,093,054$3,530,232
38$4,113,272$3,365,040$3,166,665$3,712,956
39$4,501,875$3,498,976$3,241,798$3,908,476
40$4,929,140$3,638,500$3,318,472$4,117,892
41$5,398,981$3,783,855$3,396,709$4,342,413
42$5,915,708$3,935,295$3,476,530$4,583,358
43$6,484,071$4,093,085$3,557,955$4,842,176
44$7,109,304$4,257,504$3,641,004$5,120,454
45$7,797,172$4,428,840$3,725,696$5,419,932
46$8,554,028$4,607,398$3,812,052$5,742,519
47$9,386,872$4,793,494$3,900,088$6,090,307
48$10,303,416$4,987,458$3,989,825$6,465,593
49$11,312,160$5,189,639$4,081,279$6,870,898
50$12,422,465$5,400,396$4,174,467$7,308,989
51$13,644,651$5,620,110$4,269,406$7,782,903
52$14,990,084$5,849,174$4,366,110$8,295,975
53$16,471,293$6,088,004$4,464,595$8,851,871
54$18,102,081$6,337,032$4,564,874$9,454,613
55$19,897,656$6,596,709$4,666,961$10,108,623
56$21,874,778$6,867,509$4,770,865$10,818,761
57$24,051,915$7,149,927$4,876,599$11,590,365
58$26,449,416$7,444,479$4,984,171$12,429,306
59$29,089,705$7,751,707$5,093,588$13,342,035
60$31,997,490$8,072,176$5,204,859$14,335,647
61$35,199,999$8,406,478$5,317,987$15,417,943
62$38,727,236$8,755,232$5,432,976$16,597,500
63$42,612,260$9,119,085$5,549,828$17,883,754
64$46,891,505$9,498,714$5,668,542$19,287,083
65$51,605,117$9,894,829$5,789,115$20,818,903
66$56,797,332$10,308,169$5,911,544$22,491,773
67$62,516,902$10,739,511$6,035,823$24,319,514
68$68,817,544$11,189,665$6,161,941$26,317,330
69$75,758,455$11,659,480$6,289,887$28,501,954
70$83,404,866$12,149,844$6,419,648$30,891,801
71$91,828,662$12,661,686$6,551,205$33,507,138
72$101,109,055$13,195,978$6,684,540$36,370,272
73$111,333,334$13,753,737$6,819,628$39,505,757
74$122,597,692$14,336,027$6,956,443$42,940,623
75$135,008,127$14,943,963$7,094,955$46,704,624
76$148,681,449$15,578,711$7,235,129$50,830,520
77$163,746,379$16,241,489$7,376,927$55,354,377
78$180,344,763$16,933,575$7,520,308$60,315,904
79$198,632,914$17,656,306$7,665,223$65,758,827
80$218,783,086$18,411,079$7,811,623$71,731,291
81$240,985,098$19,199,359$7,959,449$78,286,312
82$265,448,128$20,022,679$8,108,641$85,482,274
83$292,402,688$20,882,641$8,259,132$93,383,472
84$322,102,797$21,780,925$8,410,847$102,060,713
85$354,828,381$22,719,289$8,563,709$111,591,980
86$390,887,913$23,699,572$8,717,631$122,063,160
87$430,621,330$24,723,700$8,872,521$133,568,850
88$474,403,235$25,793,691$9,028,280$146,213,241
89$522,646,438$26,911,655$9,184,801$160,111,096
90$575,805,851$28,079,802$9,341,968$175,388,823
91$634,382,783$29,300,447$9,499,658$192,185,665
92$698,929,670$30,576,013$9,657,741$210,655,002
93$770,055,296$31,909,037$9,816,074$230,965,791
94$848,430,531$33,302,175$9,974,508$253,304,154
95$934,794,673$34,758,209$10,132,882$277,875,122
96$1,029,962,420$36,280,052$10,291,024$304,904,565
97$1,134,831,567$37,870,754$10,448,752$334,641,310
98$1,250,391,475$39,533,509$10,605,874$367,359,481
99$1,377,732,417$41,271,662$10,762,182$403,361,076
100$1,518,055,866$43,088,717$10,917,459$442,978,803