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%18.9%
1 years$237,002$234,891$232,831$230,821$228,858$220,650
2 years$117,328$115,143$113,025$110,972$108,980$100,799
3 years$77,441$75,247$73,135$71,101$69,141$61,245
4 years$57,502$55,314$53,223$51,224$49,312$41,761
5 years$45,542$43,367$41,303$39,345$37,486$30,300
6 years$37,571$35,413$33,379$31,464$29,662$22,845
7 years$31,880$29,739$27,738$25,869$24,123$17,675
8 years$27,613$25,492$23,524$21,701$20,012$13,927
9 years$24,296$22,196$20,261$18,484$16,853$11,123
10 years$21,645$19,564$17,664$15,933$14,360$8,974
11 years$19,476$17,417$15,551$13,867$12,350$7,298
12 years$17,671$15,632$13,802$12,163$10,702$5,972
13 years$16,144$14,127$12,331$10,738$9,332$4,911
14 years$14,837$12,841$11,079$9,532$8,181$4,054
15 years$13,705$11,731$10,003$8,501$7,203$3,358
16 years$12,715$10,763$9,069$7,612$6,366$2,788
17 years$11,843$9,912$8,253$6,839$5,645$2,321
18 years$11,068$9,159$7,534$6,163$5,019$1,935
19 years$10,376$8,489$6,897$5,569$4,473$1,615
20 years$9,754$7,888$6,329$5,044$3,996$1,350
21 years$9,192$7,347$5,822$4,578$3,576$1,130
22 years$8,682$6,859$5,366$4,162$3,205$946
23 years$8,216$6,415$4,954$3,791$2,877$793
24 years$7,791$6,010$4,582$3,457$2,586$665
25 years$7,399$5,640$4,244$3,157$2,327$558
26 years$7,039$5,301$3,936$2,887$2,096$468
27 years$6,706$4,989$3,655$2,642$1,890$393
28 years$6,397$4,701$3,398$2,421$1,705$330
29 years$6,110$4,435$3,162$2,220$1,540$277
30 years$5,842$4,188$2,945$2,038$1,391$233
31 years$5,592$3,959$2,746$1,871$1,258$196
32 years$5,359$3,746$2,562$1,720$1,138$164
33 years$5,140$3,548$2,392$1,581$1,030$138
34 years$4,934$3,362$2,235$1,455$932$116
35 years$4,741$3,189$2,089$1,340$844$98
36 years$4,558$3,027$1,955$1,234$765$82
37 years$4,386$2,875$1,829$1,137$693$69
38 years$4,224$2,732$1,713$1,048$629$58
39 years$4,070$2,598$1,605$966$570$49
40 years$3,924$2,472$1,504$891$517$41
41 years$3,785$2,353$1,411$822$469$35
42 years$3,654$2,241$1,323$759$426$29
43 years$3,529$2,135$1,242$700$386$24
44 years$3,410$2,035$1,166$647$351$21
45 years$3,297$1,941$1,094$597$318$17
46 years$3,188$1,851$1,028$552$289$15
47 years$3,085$1,767$966$510$262$12
48 years$2,987$1,687$907$471$238$10
49 years$2,892$1,611$853$435$216$9
50 years$2,802$1,539$802$402$197$7

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 $4,390 every year, while hoping to spend $32,524 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: 58/18/24 Blend
34$2,870,000$2,870,000$2,870,000$2,870,000
35$3,167,268$3,015,158$2,970,673$3,330,215
36$3,455,724$3,128,296$3,035,586$3,555,023
37$3,772,513$3,245,887$3,101,582$3,796,158
38$4,120,489$3,368,116$3,168,666$4,058,374
39$4,502,800$3,495,174$3,236,836$4,343,720
40$4,922,909$3,627,261$3,306,094$4,654,448
41$5,384,636$3,764,587$3,376,439$4,993,037
42$5,892,186$3,907,369$3,447,866$5,362,217
43$6,450,193$4,055,834$3,520,374$5,764,990
44$7,063,763$4,210,220$3,593,956$6,204,665
45$7,738,519$4,370,773$3,668,606$6,684,880
46$8,480,660$4,537,753$3,744,316$7,209,645
47$9,297,012$4,711,428$3,821,076$7,783,370
48$10,195,100$4,892,080$3,898,874$8,410,916
49$11,183,210$5,080,002$3,977,697$9,097,632
50$12,270,477$5,275,501$4,057,529$9,849,409
51$13,466,962$5,478,897$4,138,352$10,672,735
52$14,783,752$5,690,524$4,220,148$11,574,754
53$16,233,065$5,910,729$4,302,893$12,563,336
54$17,828,361$6,139,878$4,386,563$13,647,148
55$19,584,472$6,378,351$4,471,131$14,835,733
56$21,517,741$6,626,543$4,556,567$16,139,606
57$23,646,177$6,884,870$4,642,838$17,570,347
58$25,989,623$7,153,764$4,729,909$19,140,712
59$28,569,943$7,433,677$4,817,740$20,864,753
60$31,411,232$7,725,082$4,906,288$22,757,946
61$34,540,037$8,028,470$4,995,508$24,837,344
62$37,985,613$8,344,358$5,085,351$27,121,729
63$41,780,197$8,673,283$5,175,761$29,631,794
64$45,959,310$9,015,807$5,266,682$32,390,334
65$50,562,095$9,372,516$5,358,051$35,422,465
66$55,631,684$9,744,025$5,449,801$38,755,853
67$61,215,608$10,130,974$5,541,861$42,420,982
68$67,366,240$10,534,032$5,634,154$46,451,435
69$74,141,297$10,953,900$5,726,598$50,884,213
70$81,604,375$11,391,307$5,819,106$55,760,082
71$89,825,559$11,847,019$5,911,583$61,123,957
72$98,882,076$12,321,832$6,003,931$67,025,326
73$108,859,028$12,816,583$6,096,043$73,518,714
74$119,850,195$13,332,142$6,187,807$80,664,198
75$131,958,920$13,869,421$6,279,103$88,527,974
76$145,299,080$14,429,373$6,369,803$97,182,976
77$159,996,167$15,012,993$6,459,773$106,709,568
78$176,188,470$15,621,323$6,548,869$117,196,300
79$194,028,377$16,255,452$6,636,939$128,740,741
80$213,683,819$16,916,516$6,723,824$141,450,400
81$235,339,848$17,605,705$6,809,352$155,443,740
82$259,200,392$18,324,264$6,893,345$170,851,291
83$285,490,171$19,073,492$6,975,611$187,816,886
84$314,456,825$19,854,750$7,055,950$206,499,013
85$346,373,247$20,669,459$7,134,151$227,072,311
86$381,540,162$21,519,106$7,209,988$249,729,216
87$420,288,963$22,405,246$7,283,227$274,681,777
88$462,984,840$23,329,506$7,353,618$302,163,656
89$510,030,228$24,293,586$7,420,899$332,432,328
90$561,868,605$25,299,266$7,484,793$365,771,515
91$618,988,679$26,348,406$7,545,009$402,493,858
92$681,928,998$27,442,952$7,601,242$442,943,869
93$751,283,040$28,584,941$7,653,167$487,501,178
94$827,704,808$29,776,501$7,700,446$536,584,119
95$911,915,010$31,019,861$7,742,722$590,653,669
96$1,004,707,858$32,317,351$7,779,621$650,217,807
97$1,106,958,569$33,671,410$7,810,747$715,836,298
98$1,219,631,623$35,084,590$7,835,687$788,125,980
99$1,343,789,872$36,559,558$7,854,006$867,766,580
100$1,480,604,571$38,099,108$7,865,247$955,507,134