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%16%
1 years$235,350$233,254$231,209$229,212$227,263$221,679
2 years$116,510$114,340$112,237$110,198$108,220$102,629
3 years$76,902$74,723$72,625$70,605$68,660$63,236
4 years$57,102$54,929$52,852$50,867$48,969$43,754
5 years$45,225$43,065$41,016$39,071$37,225$32,234
6 years$37,309$35,166$33,147$31,245$29,455$24,693
7 years$31,657$29,532$27,545$25,688$23,955$19,422
8 years$27,421$25,315$23,360$21,549$19,873$15,567
9 years$24,127$22,041$20,120$18,355$16,736$12,654
10 years$21,494$19,428$17,541$15,822$14,260$10,397
11 years$19,341$17,296$15,443$13,770$12,264$8,615
12 years$17,548$15,524$13,705$12,078$10,628$7,186
13 years$16,032$14,029$12,245$10,663$9,267$6,026
14 years$14,733$12,752$11,002$9,466$8,124$5,076
15 years$13,609$11,649$9,933$8,442$7,153$4,291
16 years$12,627$10,688$9,006$7,559$6,322$3,639
17 years$11,760$9,843$8,195$6,791$5,605$3,093
18 years$10,991$9,095$7,481$6,120$4,984$2,635
19 years$10,304$8,429$6,849$5,530$4,442$2,248
20 years$9,686$7,833$6,285$5,009$3,968$1,921
21 years$9,128$7,296$5,781$4,546$3,551$1,644
22 years$8,621$6,811$5,328$4,133$3,183$1,408
23 years$8,159$6,370$4,920$3,764$2,857$1,207
24 years$7,736$5,968$4,550$3,433$2,568$1,036
25 years$7,348$5,601$4,214$3,135$2,311$890
26 years$6,990$5,264$3,908$2,867$2,082$764
27 years$6,659$4,954$3,629$2,624$1,877$657
28 years$6,352$4,668$3,374$2,404$1,693$565
29 years$6,067$4,404$3,140$2,205$1,529$486
30 years$5,801$4,159$2,925$2,023$1,382$418
31 years$5,553$3,932$2,726$1,858$1,249$360
32 years$5,321$3,720$2,544$1,708$1,130$310
33 years$5,104$3,523$2,375$1,570$1,023$267
34 years$4,900$3,339$2,219$1,445$926$230
35 years$4,708$3,167$2,075$1,330$839$198
36 years$4,526$3,006$1,941$1,225$760$170
37 years$4,356$2,855$1,817$1,129$689$147
38 years$4,194$2,713$1,701$1,040$624$126
39 years$4,041$2,580$1,594$959$566$109
40 years$3,896$2,455$1,494$885$513$94
41 years$3,759$2,337$1,401$816$466$81
42 years$3,628$2,225$1,314$753$423$70
43 years$3,504$2,120$1,233$695$384$60
44 years$3,386$2,021$1,157$642$348$52
45 years$3,274$1,927$1,087$593$316$45
46 years$3,166$1,839$1,021$548$287$38
47 years$3,064$1,755$959$506$261$33
48 years$2,966$1,675$901$468$237$29
49 years$2,872$1,599$847$432$215$25
50 years$2,783$1,528$796$399$195$21

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 $2,855 every year, while hoping to spend $34,446 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: 57/37/6 Blend
34$2,850,000$2,850,000$2,850,000$2,850,000
35$3,143,645$2,992,595$2,948,420$3,318,766
36$3,427,646$3,102,582$3,010,542$3,546,800
37$3,739,462$3,216,804$3,073,590$3,790,996
38$4,081,891$3,335,431$3,137,560$4,056,193
39$4,458,020$3,458,643$3,202,444$4,344,396
40$4,871,247$3,586,626$3,268,235$4,657,813
41$5,325,316$3,719,573$3,334,923$4,998,871
42$5,824,352$3,857,686$3,402,497$5,370,237
43$6,372,900$4,001,175$3,470,943$5,774,847
44$6,975,964$4,150,262$3,540,249$6,215,931
45$7,639,062$4,305,174$3,610,397$6,697,041
46$8,368,269$4,466,151$3,681,368$7,222,085
47$9,170,281$4,633,441$3,753,142$7,795,366
48$10,052,475$4,807,304$3,825,698$8,421,615
49$11,022,977$4,988,012$3,899,008$9,106,041
50$12,090,743$5,175,847$3,973,047$9,854,378
51$13,265,639$5,371,103$4,047,784$10,672,936
52$14,558,536$5,574,089$4,123,187$11,568,661
53$15,981,412$5,785,125$4,199,219$12,549,199
54$17,547,465$6,004,545$4,275,842$13,622,968
55$19,271,238$6,232,700$4,353,015$14,799,236
56$21,168,755$6,469,953$4,430,691$16,088,206
57$23,257,672$6,716,684$4,508,823$17,501,116
58$25,557,444$6,973,291$4,587,358$19,050,335
59$28,089,509$7,240,188$4,666,240$20,749,487
60$30,877,489$7,517,807$4,745,409$22,613,574
61$33,947,412$7,806,598$4,824,799$24,659,118
62$37,327,960$8,107,034$4,904,343$26,904,312
63$41,050,739$8,419,606$4,983,965$29,369,196
64$45,150,574$8,744,826$5,063,587$32,075,841
65$49,665,840$9,083,230$5,143,126$35,048,553
66$54,638,826$9,435,379$5,222,491$38,314,107
67$60,116,130$9,801,856$5,301,587$41,901,995
68$66,149,099$10,183,270$5,380,314$45,844,701
69$72,794,316$10,580,260$5,458,563$50,178,007
70$80,114,132$10,993,489$5,536,222$54,941,330
71$88,177,256$11,423,652$5,613,167$60,178,091
72$97,059,400$11,871,475$5,689,272$65,936,121
73$106,843,997$12,337,715$5,764,401$72,268,114
74$117,622,986$12,823,164$5,838,410$79,232,120
75$129,497,680$13,328,649$5,911,146$86,892,088
76$142,579,722$13,855,032$5,982,449$95,318,472
77$156,992,142$14,403,216$6,052,149$104,588,890
78$172,870,511$14,974,145$6,120,066$114,788,857
79$190,364,226$15,568,801$6,186,012$126,012,585
80$209,637,920$16,188,215$6,249,785$138,363,874
81$230,873,011$16,833,461$6,311,177$151,957,084
82$254,269,421$17,505,662$6,369,963$166,918,217
83$280,047,456$18,205,994$6,425,911$183,386,097
84$308,449,891$18,935,682$6,478,774$201,513,683
85$339,744,259$19,696,010$6,528,292$221,469,504
86$374,225,375$20,488,316$6,574,192$243,439,249
87$412,218,122$21,314,002$6,616,186$267,627,517
88$454,080,515$22,174,533$6,653,972$294,259,741
89$500,207,080$23,071,438$6,687,233$323,584,313
90$551,032,581$24,006,317$6,715,634$355,874,927
91$607,036,121$24,980,843$6,738,825$391,433,154
92$668,745,666$25,996,765$6,756,436$430,591,287
93$736,743,028$27,055,911$6,768,081$473,715,471
94$811,669,358$28,160,192$6,773,353$521,209,157
95$894,231,198$29,311,606$6,771,825$573,516,901
96$985,207,150$30,512,245$6,763,051$631,128,559
97$1,085,455,226$31,764,292$6,746,561$694,583,901
98$1,195,920,951$33,070,034$6,721,862$764,477,706
99$1,317,646,281$34,431,859$6,688,438$841,465,366
100$1,451,779,450$35,852,268$6,645,748$926,269,069