Can I retire at age 35 with 2,860,000?

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 $2,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$236,176$234,072$232,020$230,017$228,060$225,773
2 years$116,919$114,741$112,631$110,585$108,600$106,296
3 years$77,172$74,985$72,880$70,853$68,900$66,651
4 years$57,302$55,122$53,038$51,045$49,140$46,963
5 years$45,383$43,216$41,159$39,208$37,356$35,258
6 years$37,440$35,289$33,263$31,355$29,558$27,541
7 years$31,769$29,636$27,642$25,779$24,039$22,104
8 years$27,517$25,403$23,442$21,625$19,943$18,090
9 years$24,212$22,118$20,191$18,420$16,794$15,023
10 years$21,569$19,496$17,603$15,878$14,310$12,619
11 years$19,408$17,356$15,497$13,819$12,307$10,695
12 years$17,609$15,578$13,753$12,121$10,665$9,130
13 years$16,088$14,078$12,288$10,701$9,300$7,841
14 years$14,785$12,796$11,041$9,499$8,152$6,767
15 years$13,657$11,690$9,968$8,471$7,178$5,864
16 years$12,671$10,725$9,038$7,585$6,344$5,099
17 years$11,802$9,878$8,224$6,815$5,625$4,447
18 years$11,030$9,127$7,507$6,142$5,001$3,889
19 years$10,340$8,459$6,873$5,550$4,458$3,407
20 years$9,720$7,861$6,307$5,026$3,982$2,991
21 years$9,160$7,322$5,802$4,562$3,563$2,630
22 years$8,651$6,835$5,347$4,148$3,194$2,316
23 years$8,188$6,392$4,937$3,777$2,867$2,042
24 years$7,763$5,989$4,566$3,445$2,577$1,802
25 years$7,374$5,621$4,229$3,146$2,319$1,592
26 years$7,014$5,282$3,922$2,877$2,089$1,408
27 years$6,682$4,971$3,642$2,633$1,883$1,245
28 years$6,374$4,684$3,386$2,413$1,699$1,103
29 years$6,088$4,419$3,151$2,212$1,534$977
30 years$5,822$4,174$2,935$2,030$1,386$866
31 years$5,573$3,945$2,736$1,865$1,253$768
32 years$5,340$3,733$2,553$1,714$1,134$681
33 years$5,122$3,535$2,384$1,576$1,026$604
34 years$4,917$3,351$2,227$1,450$929$536
35 years$4,724$3,178$2,082$1,335$841$476
36 years$4,542$3,016$1,948$1,229$762$423
37 years$4,371$2,865$1,823$1,133$691$375
38 years$4,209$2,723$1,707$1,044$626$334
39 years$4,055$2,589$1,599$963$568$296
40 years$3,910$2,463$1,499$888$515$263
41 years$3,772$2,345$1,406$819$467$234
42 years$3,641$2,233$1,319$756$424$208
43 years$3,517$2,128$1,237$698$385$185
44 years$3,398$2,028$1,162$644$349$164
45 years$3,285$1,934$1,091$595$317$146
46 years$3,177$1,845$1,024$550$288$130
47 years$3,075$1,761$962$508$262$116
48 years$2,976$1,681$904$469$238$103
49 years$2,882$1,605$850$434$216$91
50 years$2,792$1,533$799$401$196$81

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,860,000, adding $6,335 every year, while hoping to spend $53,990 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: 50/42/8 Blend
34$2,860,000$2,860,000$2,860,000$2,860,000
35$3,158,255$3,006,675$2,962,345$3,309,320
36$3,422,952$3,096,557$3,004,138$3,502,975
37$3,712,838$3,189,033$3,045,522$3,707,002
38$4,030,427$3,284,175$3,086,426$3,927,432
39$4,378,484$3,382,053$3,126,775$4,165,813
40$4,760,057$3,482,742$3,166,490$4,423,853
41$5,178,502$3,586,315$3,205,487$4,703,425
42$5,637,516$3,692,851$3,243,677$5,006,593
43$6,141,169$3,802,427$3,280,967$5,335,628
44$6,693,946$3,915,125$3,317,257$5,693,028
45$7,300,788$4,031,025$3,352,445$6,081,543
46$7,967,136$4,150,212$3,386,419$6,504,198
47$8,698,983$4,272,772$3,419,063$6,964,326
48$9,502,934$4,398,793$3,450,256$7,465,593
49$10,386,262$4,528,363$3,479,869$8,012,036
50$11,356,982$4,661,573$3,507,765$8,608,100
51$12,423,921$4,798,518$3,533,803$9,258,679
52$13,596,807$4,939,291$3,557,832$9,969,162
53$14,886,356$5,083,991$3,579,693$10,745,483
54$16,304,372$5,232,715$3,599,221$11,594,177
55$17,863,864$5,385,563$3,616,241$12,522,441
56$19,579,162$5,542,640$3,630,569$13,538,202
57$21,466,056$5,704,049$3,642,012$14,650,190
58$23,541,943$5,869,896$3,650,368$15,868,021
59$25,825,989$6,040,289$3,655,424$17,202,287
60$28,339,316$6,215,339$3,656,957$18,664,654
61$31,105,193$6,395,157$3,654,731$20,267,975
62$34,149,260$6,579,858$3,648,502$22,026,408
63$37,499,769$6,769,555$3,638,012$23,955,550
64$41,187,850$6,964,368$3,622,989$26,072,581
65$45,247,802$7,164,413$3,603,152$28,396,431
66$49,717,422$7,369,814$3,578,201$30,947,954
67$54,638,355$7,580,690$3,547,826$33,750,125
68$60,056,490$7,797,167$3,511,702$36,828,258
69$66,022,393$8,019,369$3,469,485$40,210,241
70$72,591,783$8,247,424$3,420,818$43,926,801
71$79,826,056$8,481,460$3,365,327$48,011,795
72$87,792,868$8,721,605$3,302,619$52,502,524
73$96,566,767$8,967,991$3,232,284$57,440,090
74$106,229,904$9,220,749$3,153,892$62,869,781
75$116,872,801$9,480,012$3,066,994$68,841,495
76$128,595,207$9,745,913$2,971,119$75,410,215
77$141,507,043$10,018,587$2,865,776$82,636,526
78$155,729,432$10,298,169$2,750,450$90,587,185
79$171,395,848$10,584,793$2,624,604$99,335,750
80$188,653,372$10,878,595$2,487,676$108,963,278
81$207,664,080$11,179,711$2,339,078$119,559,084
82$228,606,575$11,488,275$2,178,195$131,221,586
83$251,677,668$11,804,423$2,004,387$144,059,236
84$277,094,239$12,128,289$1,816,983$158,191,538
85$305,095,282$12,460,005$1,615,283$173,750,180
86$335,944,161$12,799,705$1,398,554$190,880,272
87$369,931,093$13,147,519$1,166,034$209,741,720
88$407,375,892$13,503,575$916,924$230,510,733
89$448,630,984$13,868,001$650,391$253,381,484
90$494,084,732$14,240,920$365,567$278,567,946
91$544,165,103$14,622,454$61,542$306,305,907
92$599,343,710$15,012,721$0$336,855,200
93$660,140,258$15,411,834$0$370,524,595
94$727,127,454$15,819,904$0$407,614,238
95$800,936,411$16,237,035$0$448,466,660
96$882,262,602$16,663,327$0$493,465,113
97$971,872,431$17,098,874$0$543,031,924
98$1,070,610,463$17,543,763$0$597,632,488
99$1,179,407,396$17,998,073$0$657,779,653
100$1,299,288,848$18,461,876$0$724,038,568