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%14.7%
1 years$236,176$234,072$232,020$230,017$228,060$223,639
2 years$116,919$114,741$112,631$110,585$108,600$104,163
3 years$77,172$74,985$72,880$70,853$68,900$64,587
4 years$57,302$55,122$53,038$51,045$49,140$44,983
5 years$45,383$43,216$41,159$39,208$37,356$33,367
6 years$37,440$35,289$33,263$31,355$29,558$25,742
7 years$31,769$29,636$27,642$25,779$24,039$20,396
8 years$27,517$25,403$23,442$21,625$19,943$16,472
9 years$24,212$22,118$20,191$18,420$16,794$13,495
10 years$21,569$19,496$17,603$15,878$14,310$11,177
11 years$19,408$17,356$15,497$13,819$12,307$9,338
12 years$17,609$15,578$13,753$12,121$10,665$7,855
13 years$16,088$14,078$12,288$10,701$9,300$6,645
14 years$14,785$12,796$11,041$9,499$8,152$5,647
15 years$13,657$11,690$9,968$8,471$7,178$4,817
16 years$12,671$10,725$9,038$7,585$6,344$4,122
17 years$11,802$9,878$8,224$6,815$5,625$3,537
18 years$11,030$9,127$7,507$6,142$5,001$3,042
19 years$10,340$8,459$6,873$5,550$4,458$2,621
20 years$9,720$7,861$6,307$5,026$3,982$2,262
21 years$9,160$7,322$5,802$4,562$3,563$1,955
22 years$8,651$6,835$5,347$4,148$3,194$1,691
23 years$8,188$6,392$4,937$3,777$2,867$1,465
24 years$7,763$5,989$4,566$3,445$2,577$1,270
25 years$7,374$5,621$4,229$3,146$2,319$1,102
26 years$7,014$5,282$3,922$2,877$2,089$956
27 years$6,682$4,971$3,642$2,633$1,883$831
28 years$6,374$4,684$3,386$2,413$1,699$722
29 years$6,088$4,419$3,151$2,212$1,534$628
30 years$5,822$4,174$2,935$2,030$1,386$546
31 years$5,573$3,945$2,736$1,865$1,253$475
32 years$5,340$3,733$2,553$1,714$1,134$413
33 years$5,122$3,535$2,384$1,576$1,026$360
34 years$4,917$3,351$2,227$1,450$929$313
35 years$4,724$3,178$2,082$1,335$841$273
36 years$4,542$3,016$1,948$1,229$762$238
37 years$4,371$2,865$1,823$1,133$691$207
38 years$4,209$2,723$1,707$1,044$626$180
39 years$4,055$2,589$1,599$963$568$157
40 years$3,910$2,463$1,499$888$515$137
41 years$3,772$2,345$1,406$819$467$119
42 years$3,641$2,233$1,319$756$424$104
43 years$3,517$2,128$1,237$698$385$91
44 years$3,398$2,028$1,162$644$349$79
45 years$3,285$1,934$1,091$595$317$69
46 years$3,177$1,845$1,024$550$288$60
47 years$3,075$1,761$962$508$262$52
48 years$2,976$1,681$904$469$238$46
49 years$2,882$1,605$850$434$216$40
50 years$2,792$1,533$799$401$196$35

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 $3,894 every year, while hoping to spend $36,163 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: 26/50/24 Blend
34$2,860,000$2,860,000$2,860,000$2,860,000
35$3,155,737$3,004,157$2,959,827$3,213,780
36$3,439,145$3,112,883$3,020,504$3,369,569
37$3,750,248$3,225,725$3,082,001$3,533,218
38$4,091,834$3,342,846$3,144,309$3,708,048
39$4,466,972$3,464,417$3,207,414$3,895,025
40$4,879,044$3,590,614$3,271,304$4,095,208
41$5,331,775$3,721,623$3,335,961$4,309,757
42$5,829,270$3,857,636$3,401,369$4,539,945
43$6,376,049$3,998,853$3,467,508$4,787,168
44$6,977,093$4,145,485$3,534,357$5,052,958
45$7,637,891$4,297,748$3,601,893$5,338,995
46$8,364,488$4,455,869$3,670,088$5,647,124
47$9,163,545$4,620,086$3,738,915$5,979,371
48$10,042,401$4,790,645$3,808,343$6,337,960
49$11,009,141$4,967,802$3,878,338$6,725,335
50$12,072,676$5,151,826$3,948,865$7,144,180
51$13,242,820$5,342,997$4,019,882$7,597,445
52$14,530,388$5,541,604$4,091,349$8,088,369
53$15,947,298$5,747,953$4,163,220$8,620,516
54$17,506,679$5,962,360$4,235,444$9,197,802
55$19,222,999$6,185,154$4,307,970$9,824,532
56$21,112,198$6,416,680$4,380,741$10,505,440
57$23,191,842$6,657,297$4,453,696$11,245,732
58$25,481,286$6,907,380$4,526,770$12,051,135
59$28,001,854$7,167,319$4,599,894$12,927,945
60$30,777,047$7,437,521$4,672,994$13,883,093
61$33,832,758$7,718,412$4,745,992$14,924,199
62$37,197,520$8,010,435$4,818,803$16,059,653
63$40,902,773$8,314,053$4,891,339$17,298,681
64$44,983,162$8,629,747$4,963,505$18,651,441
65$49,476,862$8,958,022$5,035,200$20,129,110
66$54,425,940$9,299,403$5,106,317$21,743,991
67$59,876,751$9,654,439$5,176,744$23,509,623
68$65,880,375$10,023,702$5,246,360$25,440,914
69$72,493,098$10,407,788$5,315,038$27,554,273
70$79,776,947$10,807,322$5,382,644$29,867,765
71$87,800,268$11,222,954$5,449,036$32,401,280
72$96,638,380$11,655,363$5,514,063$35,176,715
73$106,374,278$12,105,259$5,577,567$38,218,185
74$117,099,418$12,573,381$5,639,380$41,552,240
75$128,914,585$13,060,502$5,699,325$45,208,118
76$141,930,836$13,567,430$5,757,215$49,218,017
77$156,270,553$14,095,006$5,812,854$53,617,395
78$172,068,599$14,644,112$5,866,035$58,445,303
79$189,473,587$15,215,664$5,916,538$63,744,749
80$208,649,285$15,810,623$5,964,133$69,563,103
81$229,776,160$16,429,991$6,008,579$75,952,539
82$253,053,082$17,074,814$6,049,620$82,970,521
83$278,699,202$17,746,186$6,086,989$90,680,349
84$306,956,020$18,445,249$6,120,402$99,151,746
85$338,089,663$19,173,195$6,149,564$108,461,516
86$372,393,397$19,931,270$6,174,163$118,694,261
87$410,190,397$20,720,776$6,193,872$129,943,179
88$451,836,798$21,543,074$6,208,346$142,310,940
89$497,725,051$22,399,584$6,217,225$155,910,643
90$548,287,634$23,291,792$6,220,130$170,866,888
91$604,001,131$24,221,248$6,216,663$187,316,941
92$665,390,732$25,189,575$6,206,407$205,412,027
93$733,035,189$26,198,467$6,188,924$225,318,751
94$807,572,281$27,249,694$6,163,756$247,220,664
95$889,704,832$28,345,108$6,130,420$271,319,991
96$980,207,350$29,486,642$6,088,414$297,839,534
97$1,079,933,331$30,676,320$6,037,208$327,024,767
98$1,189,823,325$31,916,254$5,976,249$359,146,148
99$1,310,913,808$33,208,654$5,904,956$394,501,663
100$1,444,346,968$34,555,829$5,822,723$433,419,633