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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.9%
1 years$236,176$234,072$232,020$230,017$228,060$222,547
2 years$116,919$114,741$112,631$110,585$108,600$103,079
3 years$77,172$74,985$72,880$70,853$68,900$63,543
4 years$57,302$55,122$53,038$51,045$49,140$43,989
5 years$45,383$43,216$41,159$39,208$37,356$32,425
6 years$37,440$35,289$33,263$31,355$29,558$24,852
7 years$31,769$29,636$27,642$25,779$24,039$19,558
8 years$27,517$25,403$23,442$21,625$19,943$15,686
9 years$24,212$22,118$20,191$18,420$16,794$12,758
10 years$21,569$19,496$17,603$15,878$14,310$10,489
11 years$19,408$17,356$15,497$13,819$12,307$8,696
12 years$17,609$15,578$13,753$12,121$10,665$7,259
13 years$16,088$14,078$12,288$10,701$9,300$6,091
14 years$14,785$12,796$11,041$9,499$8,152$5,134
15 years$13,657$11,690$9,968$8,471$7,178$4,344
16 years$12,671$10,725$9,038$7,585$6,344$3,686
17 years$11,802$9,878$8,224$6,815$5,625$3,135
18 years$11,030$9,127$7,507$6,142$5,001$2,673
19 years$10,340$8,459$6,873$5,550$4,458$2,282
20 years$9,720$7,861$6,307$5,026$3,982$1,952
21 years$9,160$7,322$5,802$4,562$3,563$1,672
22 years$8,651$6,835$5,347$4,148$3,194$1,433
23 years$8,188$6,392$4,937$3,777$2,867$1,230
24 years$7,763$5,989$4,566$3,445$2,577$1,056
25 years$7,374$5,621$4,229$3,146$2,319$907
26 years$7,014$5,282$3,922$2,877$2,089$780
27 years$6,682$4,971$3,642$2,633$1,883$671
28 years$6,374$4,684$3,386$2,413$1,699$577
29 years$6,088$4,419$3,151$2,212$1,534$497
30 years$5,822$4,174$2,935$2,030$1,386$428
31 years$5,573$3,945$2,736$1,865$1,253$369
32 years$5,340$3,733$2,553$1,714$1,134$318
33 years$5,122$3,535$2,384$1,576$1,026$274
34 years$4,917$3,351$2,227$1,450$929$236
35 years$4,724$3,178$2,082$1,335$841$203
36 years$4,542$3,016$1,948$1,229$762$175
37 years$4,371$2,865$1,823$1,133$691$151
38 years$4,209$2,723$1,707$1,044$626$130
39 years$4,055$2,589$1,599$963$568$112
40 years$3,910$2,463$1,499$888$515$97
41 years$3,772$2,345$1,406$819$467$84
42 years$3,641$2,233$1,319$756$424$72
43 years$3,517$2,128$1,237$698$385$62
44 years$3,398$2,028$1,162$644$349$54
45 years$3,285$1,934$1,091$595$317$46
46 years$3,177$1,845$1,024$550$288$40
47 years$3,075$1,761$962$508$262$34
48 years$2,976$1,681$904$469$238$30
49 years$2,882$1,605$850$434$216$26
50 years$2,792$1,533$799$401$196$22

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 $4,384 every year, while hoping to spend $53,843 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: 64/14/22 Blend
34$2,860,000$2,860,000$2,860,000$2,860,000
35$3,156,242$3,004,662$2,960,332$3,340,030
36$3,420,890$3,094,602$3,002,215$3,554,327
37$3,710,728$3,187,144$3,043,696$3,781,910
38$4,028,268$3,282,360$3,084,705$4,029,320
39$4,376,276$3,380,321$3,125,168$4,298,503
40$4,757,801$3,481,101$3,165,006$4,591,601
41$5,176,199$3,584,777$3,204,136$4,910,973
42$5,635,166$3,691,426$3,242,469$5,259,219
43$6,138,774$3,801,127$3,279,912$5,639,201
44$6,691,507$3,913,961$3,316,368$6,054,071
45$7,298,307$4,030,011$3,351,732$6,507,302
46$7,964,615$4,149,362$3,385,896$7,002,721
47$8,696,425$4,272,100$3,418,743$7,544,542
48$9,500,342$4,398,314$3,450,152$8,137,407
49$10,383,640$4,528,095$3,479,996$8,786,433
50$11,354,334$4,661,534$3,508,138$9,497,254
51$12,421,252$4,798,726$3,534,437$10,276,080
52$13,594,123$4,939,766$3,558,744$11,129,750
53$14,883,663$5,084,754$3,580,901$12,065,803
54$16,301,678$5,233,789$3,600,742$13,092,543
55$17,861,177$5,386,972$3,618,095$14,219,119
56$19,576,492$5,544,408$3,632,776$15,455,614
57$21,463,413$5,706,204$3,644,593$16,813,137
58$23,539,339$5,872,466$3,653,345$18,303,928
59$25,823,439$6,043,304$3,658,820$19,941,477
60$28,336,835$6,218,831$3,660,796$21,740,644
61$31,102,799$6,399,160$3,659,038$23,717,809
62$34,146,972$6,584,407$3,653,304$25,891,016
63$37,497,609$6,774,689$3,643,336$28,280,153
64$41,185,842$6,970,125$3,628,864$30,907,133
65$45,245,974$7,170,838$3,609,608$33,796,104
66$49,715,804$7,376,950$3,585,270$36,973,674
67$54,636,981$7,588,585$3,555,541$40,469,166
68$60,055,398$7,805,870$3,520,097$44,314,894
69$66,021,625$8,028,935$3,478,597$48,546,465
70$72,591,386$8,257,907$3,430,684$53,203,118
71$79,826,082$8,492,919$3,375,987$58,328,094
72$87,793,373$8,734,104$3,314,114$63,969,043
73$96,567,817$8,981,595$3,244,657$70,178,475
74$106,231,569$9,235,527$3,167,187$77,014,256
75$116,875,160$9,496,039$3,081,259$84,540,155
76$128,598,348$9,763,266$2,986,403$92,826,444
77$141,511,062$10,037,349$2,882,129$101,950,562
78$155,734,436$10,318,425$2,767,927$111,997,848
79$171,401,956$10,606,635$2,643,260$123,062,345
80$188,660,715$10,902,120$2,507,569$135,247,690
81$207,672,804$11,205,020$2,360,268$148,668,090
82$228,616,840$11,515,476$2,200,747$163,449,402
83$251,689,652$11,833,628$2,028,366$179,730,322
84$277,108,139$12,159,618$1,842,459$197,663,694
85$305,111,314$12,493,585$1,642,326$217,417,951
86$335,962,565$12,835,667$1,427,241$239,178,712
87$369,952,136$13,186,004$1,196,443$263,150,527
88$407,399,866$13,544,731$949,136$289,558,812
89$448,658,213$13,911,982$684,492$318,651,981
90$494,115,572$14,287,892$401,645$350,703,785
91$544,199,951$14,672,588$99,690$386,015,902
92$599,383,000$15,066,200$0$424,920,785
93$660,184,472$15,468,850$0$467,837,039
94$727,177,123$15,880,658$0$515,144,531
95$800,992,121$16,301,741$0$567,265,000
96$882,325,000$16,732,210$0$624,689,009
97$971,942,231$17,172,169$0$687,957,147
98$1,070,688,453$17,621,719$0$757,665,133
99$1,179,494,444$18,080,952$0$834,469,441
100$1,299,385,913$18,549,955$0$919,093,491