Can I retire at age 35 with 2,610,000?

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 $2,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$215,531$213,612$211,738$209,910$208,125$201,061
2 years$106,699$104,712$102,786$100,918$99,107$92,061
3 years$70,426$68,430$66,509$64,659$62,878$56,070
4 years$52,293$50,303$48,402$46,583$44,845$38,329
5 years$41,416$39,438$37,562$35,781$34,090$27,883
6 years$34,167$32,204$30,355$28,614$26,975$21,081
7 years$28,992$27,045$25,225$23,525$21,938$16,356
8 years$25,112$23,183$21,393$19,735$18,199$12,926
9 years$22,095$20,185$18,426$16,810$15,326$10,355
10 years$19,684$17,792$16,064$14,490$13,059$8,381
11 years$17,712$15,839$14,143$12,611$11,231$6,838
12 years$16,070$14,216$12,551$11,061$9,733$5,614
13 years$14,682$12,847$11,214$9,765$8,487$4,632
14 years$13,493$11,678$10,076$8,669$7,440$3,838
15 years$12,463$10,668$9,097$7,731$6,550$3,190
16 years$11,563$9,788$8,248$6,922$5,789$2,659
17 years$10,770$9,014$7,505$6,220$5,133$2,221
18 years$10,066$8,329$6,851$5,605$4,564$1,858
19 years$9,436$7,720$6,272$5,065$4,068$1,557
20 years$8,871$7,173$5,756$4,587$3,634$1,307
21 years$8,359$6,682$5,294$4,163$3,252$1,098
22 years$7,895$6,237$4,880$3,785$2,915$923
23 years$7,472$5,834$4,505$3,447$2,617$776
24 years$7,085$5,466$4,167$3,144$2,352$654
25 years$6,729$5,129$3,859$2,871$2,116$551
26 years$6,401$4,821$3,579$2,625$1,906$464
27 years$6,098$4,537$3,324$2,403$1,719$391
28 years$5,817$4,275$3,090$2,202$1,551$330
29 years$5,556$4,033$2,875$2,019$1,400$278
30 years$5,313$3,809$2,678$1,853$1,265$235
31 years$5,086$3,600$2,497$1,702$1,144$198
32 years$4,873$3,407$2,330$1,564$1,035$167
33 years$4,674$3,226$2,175$1,438$936$141
34 years$4,487$3,058$2,032$1,323$848$119
35 years$4,311$2,900$1,900$1,218$768$100
36 years$4,145$2,753$1,778$1,122$696$85
37 years$3,989$2,615$1,664$1,034$631$72
38 years$3,841$2,485$1,558$953$572$60
39 years$3,701$2,363$1,460$879$518$51
40 years$3,568$2,248$1,368$810$470$43
41 years$3,442$2,140$1,283$748$427$36
42 years$3,323$2,038$1,203$690$387$31
43 years$3,209$1,942$1,129$637$351$26
44 years$3,101$1,851$1,060$588$319$22
45 years$2,998$1,765$995$543$290$19
46 years$2,900$1,684$935$502$263$16
47 years$2,806$1,607$878$463$239$13
48 years$2,716$1,534$825$428$217$11
49 years$2,630$1,465$776$396$197$9
50 years$2,548$1,399$729$366$179$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,610,000, adding $6,555 every year, while hoping to spend $45,029 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: 61/25/14 Blend
34$2,610,000$2,610,000$2,610,000$2,610,000
35$2,882,981$2,744,651$2,704,196$3,048,518
36$3,129,135$2,831,229$2,746,877$3,247,195
37$3,398,887$2,920,539$2,789,477$3,458,233
38$3,694,597$3,012,669$2,831,948$3,687,445
39$4,018,864$3,107,708$2,874,236$3,936,593
40$4,374,550$3,205,747$2,916,285$4,207,618
41$4,764,807$3,306,882$2,958,033$4,502,655
42$5,193,108$3,411,210$2,999,418$4,824,055
43$5,663,277$3,518,832$3,040,371$5,174,406
44$6,179,529$3,629,852$3,080,822$5,556,557
45$6,746,505$3,744,379$3,120,693$5,973,646
46$7,369,317$3,862,522$3,159,904$6,429,127
47$8,053,598$3,984,396$3,198,372$6,926,804
48$8,805,552$4,110,119$3,236,005$7,470,867
49$9,632,017$4,239,813$3,272,709$8,065,929
50$10,540,522$4,373,603$3,308,384$8,717,072
51$11,539,365$4,511,619$3,342,925$9,429,891
52$12,637,687$4,653,995$3,376,219$10,210,551
53$13,845,558$4,800,869$3,408,150$11,065,840
54$15,174,076$4,952,382$3,438,594$12,003,238
55$16,635,465$5,108,682$3,467,420$13,030,982
56$18,243,196$5,269,920$3,494,492$14,158,148
57$20,012,108$5,436,253$3,519,664$15,394,731
58$21,958,555$5,607,841$3,542,784$16,751,745
59$24,100,554$5,784,851$3,563,694$18,241,322
60$26,457,956$5,967,455$3,582,224$19,876,828
61$29,052,637$6,155,830$3,598,197$21,672,988
62$31,908,698$6,350,158$3,611,429$23,646,026
63$35,052,698$6,550,628$3,621,724$25,813,816
64$38,513,898$6,757,434$3,628,878$28,196,050
65$42,324,545$6,970,777$3,632,674$30,814,426
66$46,520,168$7,190,864$3,632,888$33,692,850
67$51,139,917$7,417,909$3,629,282$36,857,662
68$56,226,934$7,652,132$3,621,608$40,337,884
69$61,828,756$7,893,760$3,609,606$44,165,493
70$67,997,763$8,143,029$3,593,002$48,375,723
71$74,791,676$8,400,179$3,571,509$53,007,399
72$82,274,101$8,665,461$3,544,828$58,103,298
73$90,515,123$8,939,133$3,512,644$63,710,556
74$99,591,976$9,221,460$3,474,628$69,881,114
75$109,589,763$9,512,717$3,430,433$76,672,202
76$120,602,265$9,813,187$3,379,699$84,146,885
77$132,732,825$10,123,162$3,322,048$92,374,652
78$146,095,319$10,442,943$3,257,083$101,432,077
79$160,815,236$10,772,841$3,184,389$111,403,536
80$177,030,857$11,113,178$3,103,534$122,382,009
81$194,894,564$11,464,284$3,014,062$134,469,950
82$214,574,277$11,826,500$2,915,500$147,780,259
83$236,255,034$12,200,180$2,807,350$162,437,345
84$260,140,746$12,585,687$2,689,095$178,578,300
85$286,456,113$12,983,396$2,560,190$196,354,193
86$315,448,748$13,393,695$2,420,069$215,931,495
87$347,391,518$13,816,983$2,268,138$237,493,651
88$382,585,110$14,253,673$2,103,778$261,242,809
89$421,360,878$14,704,189$1,926,341$287,401,730
90$464,083,964$15,168,972$1,735,151$316,215,887
91$511,156,751$15,648,473$1,529,500$347,955,787
92$563,022,652$16,143,162$1,308,651$382,919,519
93$620,170,305$16,653,519$1,071,834$421,435,568
94$683,138,178$17,180,043$818,241$463,865,920
95$752,519,654$17,723,247$547,035$510,609,473
96$828,968,635$18,283,662$257,336$562,105,803
97$913,205,709$18,861,835$0$618,839,319
98$1,006,024,956$19,458,329$0$681,351,566
99$1,108,301,443$20,073,729$0$750,264,578
100$1,220,999,482$20,708,634$0$826,188,260