Can I retire at age 35 with 2,620,000?

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 $2,620,000?

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$216,357$214,430$212,550$210,714$208,922$204,204
2 years$107,108$105,113$103,179$101,305$99,487$94,758
3 years$70,696$68,692$66,764$64,907$63,119$58,527
4 years$52,493$50,496$48,587$46,762$45,017$40,599
5 years$41,575$39,590$37,706$35,918$34,221$29,988
6 years$34,298$32,328$30,472$28,724$27,078$23,035
7 years$29,103$27,149$25,322$23,615$22,022$18,169
8 years$25,208$23,272$21,475$19,810$18,269$14,606
9 years$22,180$20,262$18,497$16,874$15,385$11,908
10 years$19,759$17,860$16,126$14,546$13,109$9,815
11 years$17,780$15,900$14,197$12,659$11,274$8,158
12 years$16,132$14,271$12,599$11,104$9,770$6,827
13 years$14,738$12,897$11,257$9,803$8,520$5,745
14 years$13,544$11,723$10,114$8,702$7,468$4,855
15 years$12,511$10,709$9,132$7,761$6,576$4,119
16 years$11,608$9,825$8,279$6,949$5,812$3,505
17 years$10,811$9,049$7,534$6,243$5,153$2,990
18 years$10,104$8,361$6,877$5,627$4,582$2,557
19 years$9,472$7,749$6,296$5,084$4,084$2,190
20 years$8,905$7,201$5,778$4,605$3,648$1,878
21 years$8,391$6,707$5,315$4,179$3,264$1,613
22 years$7,925$6,261$4,898$3,800$2,926$1,387
23 years$7,501$5,856$4,523$3,460$2,627$1,194
24 years$7,112$5,487$4,183$3,156$2,361$1,029
25 years$6,755$5,149$3,874$2,882$2,124$887
26 years$6,426$4,839$3,593$2,635$1,914$765
27 years$6,121$4,554$3,336$2,412$1,725$660
28 years$5,839$4,291$3,102$2,210$1,557$570
29 years$5,577$4,048$2,886$2,027$1,406$492
30 years$5,333$3,823$2,689$1,860$1,270$425
31 years$5,105$3,614$2,506$1,708$1,148$368
32 years$4,892$3,420$2,339$1,570$1,039$318
33 years$4,692$3,239$2,184$1,444$940$275
34 years$4,504$3,070$2,040$1,328$851$238
35 years$4,328$2,911$1,907$1,223$771$206
36 years$4,161$2,763$1,784$1,126$698$178
37 years$4,004$2,625$1,670$1,038$633$154
38 years$3,856$2,494$1,564$956$574$133
39 years$3,715$2,372$1,465$882$520$115
40 years$3,582$2,257$1,373$813$472$100
41 years$3,456$2,148$1,288$750$428$86
42 years$3,336$2,046$1,208$693$389$75
43 years$3,222$1,949$1,134$639$353$65
44 years$3,113$1,858$1,064$590$320$56
45 years$3,009$1,772$999$545$291$48
46 years$2,911$1,690$938$504$264$42
47 years$2,817$1,613$882$465$240$36
48 years$2,726$1,540$828$430$218$31
49 years$2,640$1,470$779$397$198$27
50 years$2,558$1,405$732$367$180$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,620,000, adding $3,114 every year, while hoping to spend $56,625 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: 69/22/9 Blend
34$2,620,000$2,620,000$2,620,000$2,620,000
35$2,890,452$2,751,592$2,710,982$3,084,746
36$3,125,030$2,826,172$2,741,551$3,288,511
37$3,381,636$2,902,508$2,771,247$3,504,168
38$3,662,459$2,980,626$2,799,980$3,738,566
39$3,969,907$3,060,554$2,827,656$3,993,533
40$4,306,631$3,142,315$2,854,176$4,271,082
41$4,675,553$3,225,934$2,879,436$4,573,431
42$5,079,888$3,311,434$2,903,327$4,903,020
43$5,523,180$3,398,837$2,925,731$5,262,537
44$6,009,330$3,488,165$2,946,529$5,654,944
45$6,542,634$3,579,438$2,965,590$6,083,500
46$7,127,827$3,672,675$2,982,781$6,551,796
47$7,770,122$3,767,892$2,997,961$7,063,788
48$8,475,261$3,865,105$3,010,979$7,623,832
49$9,249,570$3,964,329$3,021,680$8,236,727
50$10,100,020$4,065,574$3,029,899$8,907,761
51$11,034,285$4,168,850$3,035,464$9,642,756
52$12,060,823$4,274,165$3,038,194$10,448,128
53$13,188,951$4,381,523$3,037,897$11,330,945
54$14,428,932$4,490,926$3,034,375$12,298,993
55$15,792,076$4,602,374$3,027,419$13,360,852
56$17,290,838$4,715,861$3,016,808$14,525,972
57$18,938,945$4,831,380$3,002,313$15,804,768
58$20,751,520$4,948,919$2,983,692$17,208,714
59$22,745,222$5,068,463$2,960,693$18,750,450
60$24,938,408$5,189,992$2,933,050$20,443,906
61$27,351,305$5,313,480$2,900,486$22,304,431
62$30,006,196$5,438,899$2,862,711$24,348,934
63$32,927,636$5,566,213$2,819,419$26,596,051
64$36,142,677$5,695,380$2,770,292$29,066,313
65$39,681,131$5,826,354$2,714,997$31,782,346
66$43,575,841$5,959,080$2,653,185$34,769,079
67$47,863,000$6,093,498$2,584,490$38,053,986
68$52,582,485$6,229,539$2,508,529$41,667,336
69$57,778,238$6,367,125$2,424,904$45,642,487
70$63,498,676$6,506,172$2,333,197$50,016,197
71$69,797,151$6,646,585$2,232,969$54,828,972
72$76,732,452$6,788,259$2,123,764$60,125,447
73$84,369,356$6,931,078$2,005,105$65,954,807
74$92,779,247$7,074,917$1,876,492$72,371,255
75$102,040,778$7,219,637$1,737,403$79,434,519
76$112,240,625$7,365,086$1,587,293$87,210,418
77$123,474,294$7,511,101$1,425,593$95,771,484
78$135,847,029$7,657,501$1,251,707$105,197,646
79$149,474,801$7,804,094$1,065,014$115,576,985
80$164,485,404$7,950,668$864,866$127,006,563
81$181,019,660$8,096,995$650,584$139,593,343
82$199,232,747$8,242,830$421,460$153,455,200
83$219,295,666$8,387,907$176,758$168,722,027
84$241,396,849$8,531,940$0$185,536,969
85$265,743,944$8,674,621$0$204,065,875
86$292,565,767$8,815,619$0$224,493,115
87$322,114,469$8,954,577$0$246,993,347
88$354,667,908$9,091,115$0$271,777,760
89$390,532,278$9,224,823$0$299,079,082
90$430,044,993$9,355,262$0$329,153,776
91$473,577,875$9,481,963$0$362,284,460
92$521,540,663$9,604,424$0$398,782,574
93$574,384,877$9,722,107$0$438,991,321
94$632,608,084$9,834,439$0$483,288,908
95$696,758,590$9,940,808$0$532,092,117
96$767,440,618$10,040,561$0$585,860,234
97$845,320,013$10,132,999$0$645,099,393
98$931,130,519$10,217,382$0$710,367,348
99$1,025,680,716$10,292,916$0$782,278,744
100$1,129,861,641$10,358,761$0$861,510,913