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%18.2%
1 years$236,176$234,072$232,020$230,017$228,060$220,495
2 years$116,919$114,741$112,631$110,585$108,600$101,052
3 years$77,172$74,985$72,880$70,853$68,900$61,606
4 years$57,302$55,122$53,038$51,045$49,140$42,155
5 years$45,383$43,216$41,159$39,208$37,356$30,699
6 years$37,440$35,289$33,263$31,355$29,558$23,235
7 years$31,769$29,636$27,642$25,779$24,039$18,049
8 years$27,517$25,403$23,442$21,625$19,943$14,281
9 years$24,212$22,118$20,191$18,420$16,794$11,454
10 years$21,569$19,496$17,603$15,878$14,310$9,282
11 years$19,408$17,356$15,497$13,819$12,307$7,583
12 years$17,609$15,578$13,753$12,121$10,665$6,234
13 years$16,088$14,078$12,288$10,701$9,300$5,151
14 years$14,785$12,796$11,041$9,499$8,152$4,273
15 years$13,657$11,690$9,968$8,471$7,178$3,557
16 years$12,671$10,725$9,038$7,585$6,344$2,969
17 years$11,802$9,878$8,224$6,815$5,625$2,483
18 years$11,030$9,127$7,507$6,142$5,001$2,081
19 years$10,340$8,459$6,873$5,550$4,458$1,747
20 years$9,720$7,861$6,307$5,026$3,982$1,468
21 years$9,160$7,322$5,802$4,562$3,563$1,235
22 years$8,651$6,835$5,347$4,148$3,194$1,040
23 years$8,188$6,392$4,937$3,777$2,867$876
24 years$7,763$5,989$4,566$3,445$2,577$739
25 years$7,374$5,621$4,229$3,146$2,319$623
26 years$7,014$5,282$3,922$2,877$2,089$526
27 years$6,682$4,971$3,642$2,633$1,883$444
28 years$6,374$4,684$3,386$2,413$1,699$375
29 years$6,088$4,419$3,151$2,212$1,534$317
30 years$5,822$4,174$2,935$2,030$1,386$268
31 years$5,573$3,945$2,736$1,865$1,253$226
32 years$5,340$3,733$2,553$1,714$1,134$191
33 years$5,122$3,535$2,384$1,576$1,026$162
34 years$4,917$3,351$2,227$1,450$929$137
35 years$4,724$3,178$2,082$1,335$841$116
36 years$4,542$3,016$1,948$1,229$762$98
37 years$4,371$2,865$1,823$1,133$691$83
38 years$4,209$2,723$1,707$1,044$626$70
39 years$4,055$2,589$1,599$963$568$59
40 years$3,910$2,463$1,499$888$515$50
41 years$3,772$2,345$1,406$819$467$42
42 years$3,641$2,233$1,319$756$424$36
43 years$3,517$2,128$1,237$698$385$30
44 years$3,398$2,028$1,162$644$349$26
45 years$3,285$1,934$1,091$595$317$22
46 years$3,177$1,845$1,024$550$288$18
47 years$3,075$1,761$962$508$262$16
48 years$2,976$1,681$904$469$238$13
49 years$2,882$1,605$850$434$216$11
50 years$2,792$1,533$799$401$196$9

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 $3,376 every year, while hoping to spend $28,604 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: 55/26/19 Blend
34$2,860,000$2,860,000$2,860,000$2,860,000
35$3,155,202$3,003,622$2,959,292$3,312,416
36$3,446,599$3,120,365$3,027,994$3,536,913
37$3,766,758$3,241,870$3,098,039$3,777,927
38$4,118,586$3,368,340$3,169,441$4,039,758
39$4,505,280$3,499,986$3,242,215$4,324,406
40$4,930,364$3,637,032$3,316,375$4,634,069
41$5,397,721$3,779,707$3,391,935$4,971,166
42$5,911,630$3,928,253$3,468,905$5,338,359
43$6,476,803$4,082,924$3,547,300$5,738,576
44$7,098,432$4,243,982$3,627,130$6,175,038
45$7,782,238$4,411,704$3,708,405$6,651,289
46$8,534,525$4,586,376$3,791,136$7,171,232
47$9,362,239$4,768,301$3,875,330$7,739,158
48$10,273,031$4,957,791$3,960,997$8,359,794
49$11,275,332$5,155,175$4,048,143$9,038,340
50$12,378,434$5,360,796$4,136,774$9,780,523
51$13,592,572$5,575,013$4,226,893$10,592,645
52$14,929,025$5,798,200$4,318,505$11,481,646
53$16,400,222$6,030,748$4,411,612$12,455,165
54$18,019,857$6,273,067$4,506,213$13,521,614
55$19,803,019$6,525,584$4,602,308$14,690,256
56$21,766,336$6,788,746$4,699,894$15,971,290
57$23,928,128$7,063,021$4,798,967$17,375,946
58$26,308,585$7,348,896$4,899,519$18,916,594
59$28,929,951$7,646,883$5,001,544$20,606,853
60$31,816,740$7,957,514$5,105,029$22,461,726
61$34,995,964$8,281,348$5,209,964$24,497,733
62$38,497,386$8,618,969$5,316,332$26,733,071
63$42,353,807$8,970,986$5,424,117$29,187,783
64$46,601,367$9,338,036$5,533,297$31,883,945
65$51,279,895$9,720,788$5,643,850$34,845,873
66$56,433,275$10,119,937$5,755,750$38,100,351
67$62,109,869$10,536,215$5,868,968$41,676,885
68$68,362,969$10,970,382$5,983,471$45,607,977
69$75,251,298$11,423,237$6,099,224$49,929,429
70$82,839,569$11,895,615$6,216,187$54,680,684
71$91,199,092$12,388,387$6,334,316$59,905,193
72$100,408,448$12,902,466$6,453,564$65,650,823
73$110,554,230$13,438,807$6,573,878$71,970,309
74$121,731,861$13,998,409$6,695,203$78,921,748
75$134,046,496$14,582,315$6,817,477$86,569,148
76$147,614,010$15,191,620$6,940,634$94,983,025
77$162,562,095$15,827,466$7,064,602$104,241,072
78$179,031,466$16,491,049$7,189,303$114,428,888
79$197,177,186$17,183,621$7,314,656$125,640,781
80$217,170,132$17,906,491$7,440,569$137,980,660
81$239,198,606$18,661,029$7,566,948$151,563,009
82$263,470,113$19,448,669$7,693,691$166,513,969
83$290,213,321$20,270,911$7,820,686$182,972,524
84$319,680,218$21,129,324$7,947,817$201,091,807
85$352,148,491$22,025,551$8,074,959$221,040,550
86$387,924,145$22,961,311$8,201,979$243,004,665
87$427,344,396$23,938,404$8,328,733$267,189,002
88$470,780,851$24,958,711$8,455,072$293,819,274
89$518,643,014$26,024,205$8,580,834$323,144,191
90$571,382,157$27,136,947$8,705,847$355,437,797
91$629,495,576$28,299,096$8,829,932$391,002,055
92$693,531,286$29,512,913$8,952,896$430,169,698
93$764,093,194$30,780,762$9,074,534$473,307,358
94$841,846,800$32,105,120$9,194,632$520,819,030
95$927,525,481$33,488,578$9,312,959$573,149,874
96$1,021,937,412$34,933,851$9,429,276$630,790,419
97$1,125,973,197$36,443,778$9,543,325$694,281,185
98$1,240,614,274$38,021,334$9,654,838$764,217,779
99$1,366,942,183$39,669,633$9,763,528$841,256,518
100$1,506,148,775$41,391,933$9,869,095$926,120,612