Can I retire at age 35 with 2,870,000?

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 $2,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$237,002$234,891$232,831$230,821$228,858$221,532
2 years$117,328$115,143$113,025$110,972$108,980$101,667
3 years$77,441$75,247$73,135$71,101$69,141$62,070
4 years$57,502$55,314$53,223$51,224$49,312$42,538
5 years$45,542$43,367$41,303$39,345$37,486$31,026
6 years$37,571$35,413$33,379$31,464$29,662$23,522
7 years$31,880$29,739$27,738$25,869$24,123$18,302
8 years$27,613$25,492$23,524$21,701$20,012$14,507
9 years$24,296$22,196$20,261$18,484$16,853$11,657
10 years$21,645$19,564$17,664$15,933$14,360$9,465
11 years$19,476$17,417$15,551$13,867$12,350$7,747
12 years$17,671$15,632$13,802$12,163$10,702$6,382
13 years$16,144$14,127$12,331$10,738$9,332$5,284
14 years$14,837$12,841$11,079$9,532$8,181$4,393
15 years$13,705$11,731$10,003$8,501$7,203$3,664
16 years$12,715$10,763$9,069$7,612$6,366$3,065
17 years$11,843$9,912$8,253$6,839$5,645$2,569
18 years$11,068$9,159$7,534$6,163$5,019$2,158
19 years$10,376$8,489$6,897$5,569$4,473$1,815
20 years$9,754$7,888$6,329$5,044$3,996$1,529
21 years$9,192$7,347$5,822$4,578$3,576$1,289
22 years$8,682$6,859$5,366$4,162$3,205$1,088
23 years$8,216$6,415$4,954$3,791$2,877$919
24 years$7,791$6,010$4,582$3,457$2,586$777
25 years$7,399$5,640$4,244$3,157$2,327$657
26 years$7,039$5,301$3,936$2,887$2,096$556
27 years$6,706$4,989$3,655$2,642$1,890$470
28 years$6,397$4,701$3,398$2,421$1,705$398
29 years$6,110$4,435$3,162$2,220$1,540$337
30 years$5,842$4,188$2,945$2,038$1,391$286
31 years$5,592$3,959$2,746$1,871$1,258$242
32 years$5,359$3,746$2,562$1,720$1,138$205
33 years$5,140$3,548$2,392$1,581$1,030$174
34 years$4,934$3,362$2,235$1,455$932$147
35 years$4,741$3,189$2,089$1,340$844$125
36 years$4,558$3,027$1,955$1,234$765$106
37 years$4,386$2,875$1,829$1,137$693$90
38 years$4,224$2,732$1,713$1,048$629$76
39 years$4,070$2,598$1,605$966$570$65
40 years$3,924$2,472$1,504$891$517$55
41 years$3,785$2,353$1,411$822$469$46
42 years$3,654$2,241$1,323$759$426$39
43 years$3,529$2,135$1,242$700$386$33
44 years$3,410$2,035$1,166$647$351$28
45 years$3,297$1,941$1,094$597$318$24
46 years$3,188$1,851$1,028$552$289$20
47 years$3,085$1,767$966$510$262$17
48 years$2,987$1,687$907$471$238$15
49 years$2,892$1,611$853$435$216$12
50 years$2,802$1,539$802$402$197$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,870,000, adding $3,859 every year, while hoping to spend $59,131 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: 66/10/24 Blend
34$2,870,000$2,870,000$2,870,000$2,870,000
35$3,166,721$3,014,611$2,970,126$3,355,842
36$3,426,811$3,099,412$3,006,710$3,568,350
37$3,711,449$3,186,386$3,042,538$3,793,543
38$4,023,076$3,275,578$3,077,522$4,038,393
39$4,364,380$3,367,032$3,111,569$4,304,838
40$4,738,322$3,460,791$3,144,582$4,595,012
41$5,148,163$3,556,902$3,176,457$4,911,266
42$5,597,493$3,655,408$3,207,086$5,256,189
43$6,090,267$3,756,353$3,236,354$5,632,634
44$6,630,843$3,859,782$3,264,140$6,043,744
45$7,224,017$3,965,740$3,290,316$6,492,983
46$7,875,074$4,074,269$3,314,750$6,984,166
47$8,589,838$4,185,414$3,337,300$7,521,497
48$9,374,719$4,299,217$3,357,818$8,109,608
49$10,236,783$4,415,722$3,376,147$8,753,603
50$11,183,812$4,534,969$3,392,125$9,459,106
51$12,224,378$4,657,000$3,405,579$10,232,315
52$13,367,927$4,781,854$3,416,327$11,080,057
53$14,624,862$4,909,572$3,424,181$12,009,858
54$16,006,647$5,040,190$3,428,940$13,030,009
55$17,525,910$5,173,744$3,430,395$14,149,648
56$19,196,565$5,310,271$3,428,326$15,378,845
57$21,033,943$5,449,802$3,422,502$16,728,694
58$23,054,932$5,592,368$3,412,683$18,211,424
59$25,278,140$5,738,000$3,398,613$19,840,510
60$27,724,072$5,886,723$3,380,028$21,630,801
61$30,415,316$6,038,562$3,356,648$23,598,660
62$33,376,765$6,193,538$3,328,182$25,762,123
63$36,635,842$6,351,668$3,294,323$28,141,061
64$40,222,767$6,512,969$3,254,752$30,757,375
65$44,170,835$6,677,450$3,209,132$33,635,202
66$48,516,734$6,845,120$3,157,112$36,801,138
67$53,300,891$7,015,980$3,098,325$40,284,495
68$58,567,847$7,190,029$3,032,384$44,117,576
69$64,366,687$7,367,259$2,958,889$48,335,979
70$70,751,493$7,547,659$2,877,416$52,978,934
71$77,781,861$7,731,210$2,787,524$58,089,676
72$85,523,458$7,917,887$2,688,754$63,715,849
73$94,048,646$8,107,658$2,580,622$69,909,960
74$103,437,159$8,300,484$2,462,624$76,729,873
75$113,776,860$8,496,319$2,334,233$84,239,359
76$125,164,568$8,695,107$2,194,898$92,508,692
77$137,706,970$8,896,783$2,044,043$101,615,319
78$151,521,628$9,101,273$1,881,066$111,644,590
79$166,738,091$9,308,492$1,705,339$122,690,563
80$183,499,113$9,518,345$1,516,204$134,856,894
81$201,962,002$9,730,723$1,312,976$148,257,815
82$222,300,104$9,945,506$1,094,939$163,019,214
83$244,704,438$10,162,560$861,343$179,279,825
84$269,385,501$10,381,736$611,408$197,192,536
85$296,575,251$10,602,869$344,319$216,925,838
86$326,529,296$10,825,780$59,223$238,665,409
87$359,529,311$11,050,269$0$262,615,877
88$395,885,688$11,276,120$0$289,065,490
89$435,940,474$11,503,096$0$318,220,279
90$480,070,594$11,730,938$0$350,339,178
91$528,691,407$11,959,367$0$385,724,255
92$582,260,633$12,188,078$0$424,708,385
93$641,282,664$12,416,741$0$467,658,388
94$706,313,334$12,644,999$0$514,978,491
95$777,965,156$12,872,467$0$567,114,146
96$856,913,112$13,098,728$0$624,556,236
97$943,901,019$13,323,334$0$687,845,704
98$1,039,748,548$13,545,803$0$757,578,661
99$1,145,358,969$13,765,617$0$834,412,016
100$1,261,727,670$13,982,217$0$919,069,674