Can I retire at age 35 with 2,890,000?

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 $2,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$238,653$236,528$234,454$232,429$230,453$225,248
2 years$118,145$115,945$113,812$111,745$109,739$104,523
3 years$77,981$75,771$73,644$71,596$69,623$64,559
4 years$57,903$55,700$53,594$51,581$49,656$44,782
5 years$45,859$43,669$41,591$39,619$37,748$33,079
6 years$37,833$35,659$33,612$31,684$29,868$25,409
7 years$32,102$29,947$27,932$26,049$24,291$20,042
8 years$27,805$25,670$23,688$21,852$20,152$16,111
9 years$24,466$22,350$20,403$18,613$16,971$13,135
10 years$21,795$19,701$17,788$16,044$14,460$10,826
11 years$19,612$17,538$15,660$13,964$12,436$8,999
12 years$17,794$15,741$13,898$12,248$10,777$7,531
13 years$16,257$14,226$12,417$10,813$9,398$6,337
14 years$14,940$12,931$11,156$9,599$8,238$5,356
15 years$13,800$11,812$10,073$8,560$7,253$4,544
16 years$12,804$10,838$9,132$7,665$6,410$3,866
17 years$11,925$9,981$8,310$6,887$5,684$3,298
18 years$11,146$9,223$7,586$6,206$5,054$2,820
19 years$10,449$8,548$6,945$5,608$4,505$2,415
20 years$9,822$7,943$6,374$5,079$4,024$2,072
21 years$9,256$7,399$5,862$4,610$3,601$1,780
22 years$8,742$6,906$5,403$4,191$3,228$1,530
23 years$8,274$6,459$4,989$3,817$2,897$1,317
24 years$7,845$6,052$4,614$3,481$2,604$1,135
25 years$7,451$5,679$4,273$3,179$2,343$978
26 years$7,088$5,338$3,963$2,907$2,111$844
27 years$6,752$5,024$3,680$2,661$1,903$728
28 years$6,441$4,734$3,421$2,438$1,717$629
29 years$6,152$4,466$3,184$2,236$1,551$543
30 years$5,883$4,217$2,966$2,052$1,401$469
31 years$5,631$3,987$2,765$1,884$1,267$405
32 years$5,396$3,772$2,580$1,732$1,146$351
33 years$5,176$3,572$2,409$1,593$1,037$303
34 years$4,968$3,386$2,250$1,465$939$262
35 years$4,774$3,211$2,104$1,349$850$227
36 years$4,590$3,048$1,968$1,242$770$196
37 years$4,417$2,895$1,842$1,145$698$170
38 years$4,253$2,751$1,725$1,055$633$147
39 years$4,098$2,616$1,616$973$574$127
40 years$3,951$2,489$1,515$897$521$110
41 years$3,812$2,369$1,421$828$472$95
42 years$3,679$2,257$1,332$764$429$82
43 years$3,554$2,150$1,250$705$389$71
44 years$3,434$2,049$1,174$651$353$62
45 years$3,320$1,954$1,102$601$321$53
46 years$3,211$1,864$1,035$555$291$46
47 years$3,107$1,779$972$513$264$40
48 years$3,007$1,698$914$474$240$35
49 years$2,913$1,622$859$438$218$30
50 years$2,822$1,549$808$405$198$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,890,000, adding $4,170 every year, while hoping to spend $54,410 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: 59/36/5 Blend
34$2,890,000$2,890,000$2,890,000$2,890,000
35$3,189,081$3,035,911$2,991,116$3,374,182
36$3,456,476$3,126,779$3,033,427$3,589,483
37$3,749,321$3,220,276$3,075,331$3,817,503
38$4,070,155$3,316,473$3,116,758$4,064,722
39$4,421,774$3,415,443$3,157,633$4,332,979
40$4,807,257$3,517,262$3,197,876$4,624,302
41$5,229,995$3,622,005$3,237,402$4,940,919
42$5,693,722$3,729,752$3,276,123$5,285,285
43$6,202,553$3,840,581$3,313,944$5,660,099
44$6,761,019$3,954,575$3,350,767$6,068,334
45$7,374,112$4,071,817$3,386,486$6,513,262
46$8,047,329$4,192,394$3,420,991$6,998,483
47$8,786,728$4,316,393$3,454,166$7,527,964
48$9,598,980$4,443,902$3,485,886$8,106,070
49$10,491,436$4,575,013$3,516,024$8,737,608
50$11,472,194$4,709,820$3,544,442$9,427,871
51$12,550,173$4,848,417$3,570,996$10,182,687
52$13,735,203$4,990,902$3,595,537$11,008,477
53$15,038,111$5,137,373$3,617,904$11,912,309
54$16,470,825$5,287,932$3,637,931$12,901,969
55$18,046,490$5,442,681$3,655,442$13,986,032
56$19,779,585$5,601,725$3,670,253$15,173,944
57$21,686,065$5,765,172$3,682,168$16,476,108
58$23,783,508$5,933,129$3,690,985$17,903,985
59$26,091,282$6,105,709$3,696,490$19,470,198
60$28,630,728$6,283,024$3,698,457$21,188,653
61$31,425,358$6,465,189$3,696,652$23,074,671
62$34,501,082$6,652,320$3,690,827$25,145,126
63$37,886,444$6,844,535$3,680,722$27,418,612
64$41,612,901$7,041,957$3,666,065$29,915,612
65$45,715,110$7,244,706$3,646,572$32,658,690
66$50,231,262$7,452,908$3,621,942$35,672,711
67$55,203,438$7,666,687$3,591,864$38,985,065
68$60,678,006$7,886,172$3,556,009$42,625,932
69$66,706,060$8,111,492$3,514,033$46,628,565
70$73,343,901$8,342,778$3,465,576$51,029,598
71$80,653,567$8,580,163$3,410,262$55,869,401
72$88,703,420$8,823,780$3,347,694$61,192,450
73$97,568,788$9,073,764$3,277,461$67,047,752
74$107,332,679$9,330,253$3,199,131$73,489,308
75$118,086,561$9,593,384$3,112,250$80,576,617
76$129,931,226$9,863,295$3,016,346$88,375,241
77$142,977,742$10,140,127$2,910,924$96,957,421
78$157,348,498$10,424,020$2,795,467$106,402,760
79$173,178,363$10,715,116$2,669,433$116,798,971
80$190,615,954$11,013,554$2,532,257$128,242,708
81$209,825,042$11,319,479$2,383,348$140,840,474
82$230,986,093$11,633,031$2,222,088$154,709,629
83$254,297,977$11,954,352$2,047,830$169,979,492
84$279,979,840$12,283,584$1,859,901$186,792,568
85$308,273,172$12,620,867$1,657,596$205,305,887
86$339,444,088$12,966,342$1,440,178$225,692,486
87$373,785,840$13,320,148$1,206,879$248,143,045
88$411,621,581$13,682,422$956,896$272,867,683
89$453,307,421$14,053,298$689,390$300,097,944
90$499,235,780$14,432,912$403,486$330,088,978
91$549,839,098$14,821,393$98,272$363,121,951
92$605,593,914$15,218,870$0$399,506,700
93$667,025,366$15,625,467$0$439,596,788
94$734,712,142$16,041,304$0$483,762,711
95$809,291,952$16,466,499$0$532,413,888
96$891,467,535$16,901,162$0$586,007,271
97$982,013,304$17,345,399$0$645,046,407
98$1,081,782,648$17,799,310$0$710,086,191
99$1,191,715,991$18,262,989$0$781,738,102
100$1,312,849,667$18,736,521$0$860,675,978