Can I retire at age 35 with 2,910,000?

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 $2,910,000?

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$240,305$238,165$236,076$234,038$232,047$226,806
2 years$118,963$116,747$114,600$112,518$110,499$105,247
3 years$78,521$76,296$74,154$72,091$70,105$65,006
4 years$58,304$56,085$53,965$51,938$49,999$45,092
5 years$46,177$43,972$41,879$39,893$38,009$33,308
6 years$38,095$35,906$33,845$31,903$30,075$25,585
7 years$32,324$30,154$28,125$26,229$24,459$20,180
8 years$27,998$25,847$23,852$22,003$20,291$16,222
9 years$24,635$22,505$20,544$18,742$17,088$13,226
10 years$21,946$19,837$17,911$16,156$14,560$10,901
11 years$19,748$17,660$15,768$14,060$12,522$9,061
12 years$17,917$15,850$13,994$12,333$10,851$7,583
13 years$16,369$14,324$12,503$10,888$9,463$6,380
14 years$15,044$13,020$11,234$9,665$8,295$5,393
15 years$13,896$11,894$10,142$8,620$7,303$4,575
16 years$12,892$10,913$9,196$7,718$6,455$3,893
17 years$12,008$10,050$8,368$6,934$5,723$3,321
18 years$11,223$9,287$7,639$6,249$5,089$2,840
19 years$10,521$8,607$6,993$5,647$4,536$2,432
20 years$9,890$7,998$6,418$5,114$4,051$2,086
21 years$9,320$7,450$5,903$4,641$3,626$1,792
22 years$8,803$6,954$5,441$4,220$3,250$1,541
23 years$8,331$6,504$5,023$3,843$2,917$1,326
24 years$7,899$6,094$4,646$3,505$2,622$1,143
25 years$7,502$5,719$4,303$3,201$2,359$985
26 years$7,137$5,375$3,991$2,927$2,125$850
27 years$6,799$5,058$3,706$2,679$1,916$733
28 years$6,486$4,766$3,445$2,455$1,729$633
29 years$6,195$4,497$3,206$2,251$1,561$547
30 years$5,924$4,246$2,986$2,066$1,411$472
31 years$5,670$4,014$2,784$1,897$1,275$408
32 years$5,433$3,798$2,597$1,744$1,154$353
33 years$5,211$3,597$2,425$1,604$1,044$305
34 years$5,003$3,409$2,266$1,475$945$264
35 years$4,807$3,234$2,119$1,358$856$228
36 years$4,622$3,069$1,982$1,251$776$197
37 years$4,447$2,915$1,855$1,152$703$171
38 years$4,282$2,770$1,737$1,062$637$148
39 years$4,126$2,634$1,627$979$578$128
40 years$3,978$2,506$1,525$903$524$111
41 years$3,838$2,386$1,430$834$476$96
42 years$3,705$2,272$1,342$769$432$83
43 years$3,578$2,165$1,259$710$392$72
44 years$3,457$2,064$1,182$656$356$62
45 years$3,343$1,968$1,110$606$323$54
46 years$3,233$1,877$1,042$559$293$47
47 years$3,128$1,791$979$517$266$40
48 years$3,028$1,710$920$477$242$35
49 years$2,933$1,633$865$441$219$30
50 years$2,841$1,560$813$408$199$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,910,000, adding $5,317 every year, while hoping to spend $52,142 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: 24/46/30 Blend
34$2,910,000$2,910,000$2,910,000$2,910,000
35$3,212,304$3,058,074$3,012,969$3,259,092
36$3,484,481$3,152,441$3,058,425$3,394,186
37$3,782,672$3,249,685$3,103,656$3,534,098
38$4,109,475$3,349,890$3,148,600$3,682,922
39$4,467,753$3,453,147$3,193,190$3,841,436
40$4,860,658$3,559,545$3,237,355$4,010,496
41$5,291,660$3,669,178$3,281,022$4,191,042
42$5,764,584$3,782,142$3,324,111$4,384,106
43$6,283,642$3,898,537$3,366,538$4,590,826
44$6,853,471$4,018,463$3,408,215$4,812,450
45$7,479,184$4,142,027$3,449,049$5,050,351
46$8,166,409$4,269,334$3,488,941$5,306,040
47$8,921,348$4,400,497$3,527,786$5,581,177
48$9,750,833$4,535,628$3,565,474$5,877,591
49$10,662,390$4,674,846$3,601,889$6,197,293
50$11,664,310$4,818,270$3,636,908$6,542,496
51$12,765,728$4,966,023$3,670,403$6,915,635
52$13,976,708$5,118,234$3,702,237$7,319,392
53$15,308,337$5,275,033$3,732,268$7,756,717
54$16,772,832$5,436,554$3,760,343$8,230,861
55$18,383,652$5,602,936$3,786,305$8,745,400
56$20,155,624$5,774,320$3,809,987$9,304,273
57$22,105,088$5,950,852$3,831,212$9,911,818
58$24,250,046$6,132,683$3,849,796$10,572,810
59$26,610,332$6,319,965$3,865,545$11,292,510
60$29,207,801$6,512,858$3,878,256$12,076,712
61$32,066,532$6,711,524$3,887,714$12,931,796
62$35,213,060$6,916,131$3,893,693$13,864,791
63$38,676,620$7,126,848$3,895,960$14,883,439
64$42,489,425$7,343,854$3,894,264$15,996,268
65$46,686,971$7,567,328$3,888,347$17,212,674
66$51,308,372$7,797,457$3,877,936$18,543,005
67$56,396,724$8,034,430$3,862,746$19,998,665
68$61,999,518$8,278,445$3,842,475$21,592,215
69$68,169,082$8,529,702$3,816,811$23,337,494
70$74,963,078$8,788,407$3,785,424$25,249,752
71$82,445,045$9,054,772$3,747,969$27,345,788
72$90,684,999$9,329,015$3,704,085$29,644,113
73$99,760,090$9,611,358$3,653,393$32,165,123
74$109,755,335$9,902,031$3,595,498$34,931,290
75$120,764,417$10,201,268$3,529,985$37,967,377
76$132,890,566$10,509,309$3,456,418$41,300,669
77$146,247,541$10,826,402$3,374,345$44,961,230
78$160,960,695$11,152,800$3,283,290$48,982,189
79$177,168,161$11,488,763$3,182,756$53,400,051
80$195,022,157$11,834,556$3,072,222$58,255,042
81$214,690,420$12,190,452$2,951,144$63,591,489
82$236,357,790$12,556,732$2,818,955$69,458,237
83$260,227,954$12,933,681$2,675,059$75,909,112
84$286,525,368$13,321,593$2,518,836$83,003,426
85$315,497,373$13,720,769$2,349,635$90,806,541
86$347,416,535$14,131,517$2,166,778$99,390,485
87$382,583,212$14,554,152$1,969,555$108,834,627
88$421,328,392$14,988,997$1,757,227$119,226,435
89$464,016,812$15,436,383$1,529,019$130,662,295
90$511,050,409$15,896,648$1,284,123$143,248,423
91$562,872,106$16,370,138$1,021,696$157,101,869
92$619,969,993$16,857,207$740,855$172,351,624
93$682,881,941$17,358,219$440,682$189,139,831
94$752,200,670$17,873,543$120,216$207,623,137
95$828,579,349$18,403,557$0$227,974,163
96$912,737,762$18,948,651$0$250,454,132
97$1,005,469,097$19,509,218$0$275,247,369
98$1,107,647,439$20,085,664$0$302,546,723
99$1,220,236,017$20,678,401$0$332,607,146
100$1,344,296,300$21,287,851$0$365,709,574