Can I retire at age 35 with 2,630,000?

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 $2,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$217,183$215,248$213,361$211,519$209,720$205,150
2 years$107,516$105,514$103,573$101,692$99,867$95,286
3 years$70,966$68,955$67,019$65,155$63,359$58,910
4 years$52,694$50,689$48,773$46,940$45,189$40,906
5 years$41,734$39,741$37,849$36,055$34,352$30,247
6 years$34,429$32,451$30,588$28,833$27,181$23,259
7 years$29,214$27,253$25,419$23,705$22,106$18,367
8 years$25,304$23,360$21,557$19,886$18,339$14,782
9 years$22,265$20,339$18,567$16,938$15,444$12,066
10 years$19,835$17,928$16,187$14,601$13,159$9,957
11 years$17,848$15,960$14,251$12,707$11,317$8,287
12 years$16,193$14,325$12,647$11,146$9,807$6,944
13 years$14,794$12,946$11,300$9,840$8,552$5,851
14 years$13,596$11,767$10,153$8,735$7,497$4,952
15 years$12,559$10,750$9,167$7,790$6,601$4,207
16 years$11,652$9,863$8,311$6,975$5,834$3,585
17 years$10,853$9,083$7,563$6,267$5,173$3,063
18 years$10,143$8,393$6,904$5,648$4,599$2,622
19 years$9,509$7,779$6,320$5,103$4,099$2,249
20 years$8,939$7,228$5,800$4,622$3,662$1,933
21 years$8,423$6,733$5,335$4,195$3,277$1,663
22 years$7,956$6,285$4,917$3,814$2,937$1,432
23 years$7,529$5,878$4,540$3,474$2,637$1,234
24 years$7,139$5,508$4,199$3,168$2,370$1,065
25 years$6,781$5,169$3,889$2,893$2,132$920
26 years$6,450$4,858$3,607$2,645$1,921$794
27 years$6,145$4,572$3,349$2,421$1,732$687
28 years$5,862$4,308$3,113$2,219$1,563$594
29 years$5,599$4,064$2,897$2,035$1,411$514
30 years$5,354$3,838$2,699$1,867$1,275$445
31 years$5,125$3,628$2,516$1,715$1,153$385
32 years$4,911$3,433$2,347$1,576$1,043$333
33 years$4,710$3,251$2,192$1,449$944$289
34 years$4,521$3,081$2,048$1,333$854$250
35 years$4,344$2,922$1,915$1,227$774$217
36 years$4,177$2,774$1,791$1,130$701$188
37 years$4,019$2,635$1,676$1,042$635$163
38 years$3,870$2,504$1,570$960$576$141
39 years$3,729$2,381$1,471$885$522$122
40 years$3,596$2,265$1,379$816$474$106
41 years$3,469$2,156$1,293$753$430$92
42 years$3,348$2,054$1,213$695$390$80
43 years$3,234$1,957$1,138$642$354$69
44 years$3,125$1,865$1,068$593$321$60
45 years$3,021$1,778$1,003$547$292$52
46 years$2,922$1,697$942$506$265$45
47 years$2,827$1,619$885$467$241$39
48 years$2,737$1,546$832$432$218$34
49 years$2,650$1,476$782$399$198$29
50 years$2,568$1,410$735$369$180$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,630,000, adding $6,522 every year, while hoping to spend $30,292 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: 70/6/24 Blend
34$2,630,000$2,630,000$2,630,000$2,630,000
35$2,904,987$2,765,597$2,724,832$3,090,287
36$3,169,066$2,868,881$2,783,884$3,318,354
37$3,459,065$2,976,211$2,843,898$3,563,785
38$3,777,596$3,087,752$2,904,876$3,831,731
39$4,127,538$3,203,679$2,966,816$4,124,425
40$4,512,059$3,324,172$3,029,717$4,444,323
41$4,934,653$3,449,419$3,093,576$4,794,129
42$5,399,165$3,579,618$3,158,388$5,176,822
43$5,909,835$3,714,974$3,224,149$5,595,684
44$6,471,331$3,855,702$3,290,851$6,054,328
45$7,088,799$4,002,023$3,358,487$6,556,736
46$7,767,906$4,154,172$3,427,046$7,107,292
47$8,514,898$4,312,392$3,496,518$7,710,826
48$9,336,656$4,476,937$3,566,889$8,372,658
49$10,240,759$4,648,071$3,638,144$9,098,650
50$11,235,562$4,826,072$3,710,267$9,895,259
51$12,330,267$5,011,227$3,783,239$10,769,597
52$13,535,015$5,203,839$3,857,038$11,729,501
53$14,860,980$5,404,221$3,931,643$12,783,605
54$16,320,474$5,612,701$4,007,026$13,941,420
55$17,927,061$5,829,622$4,083,161$15,213,425
56$19,695,691$6,055,343$4,160,016$16,611,167
57$21,642,832$6,290,236$4,237,558$18,147,365
58$23,786,635$6,534,692$4,315,750$19,836,035
59$26,147,097$6,789,117$4,394,553$21,692,621
60$28,746,255$7,053,937$4,473,924$23,734,137
61$31,608,389$7,329,596$4,553,817$25,979,330
62$34,760,256$7,616,558$4,634,181$28,448,857
63$38,231,340$7,915,307$4,714,964$31,165,479
64$42,054,129$8,226,350$4,796,108$34,154,276
65$46,264,423$8,550,214$4,877,550$37,442,881
66$50,901,671$8,887,451$4,959,225$41,061,744
67$56,009,345$9,238,639$5,041,062$45,044,418
68$61,635,346$9,604,380$5,122,985$49,427,874
69$67,832,459$9,985,303$5,204,914$54,252,850
70$74,658,853$10,382,066$5,286,762$59,564,237
71$82,178,625$10,795,357$5,368,437$65,411,500
72$90,462,408$11,225,892$5,449,843$71,849,148
73$99,588,036$11,674,423$5,530,875$78,937,242
74$109,641,279$12,141,733$5,611,423$86,741,969
75$120,716,654$12,628,643$5,691,370$95,336,261
76$132,918,314$13,136,007$5,770,592$104,800,486
77$146,361,034$13,664,723$5,848,958$115,223,204
78$161,171,289$14,215,725$5,926,328$126,702,004
79$177,488,456$14,789,990$6,002,555$139,344,426
80$195,466,121$15,388,542$6,077,484$153,268,972
81$215,273,534$16,012,450$6,150,948$168,606,229
82$237,097,204$16,662,829$6,222,774$185,500,096
83$261,142,660$17,340,849$6,292,778$204,109,148
84$287,636,391$18,047,731$6,360,766$224,608,126
85$316,827,984$18,784,750$6,426,533$247,189,592
86$348,992,479$19,553,244$6,489,862$272,065,743
87$384,432,965$20,354,606$6,550,526$299,470,414
88$423,483,444$21,190,298$6,608,285$329,661,285
89$466,511,979$22,061,846$6,662,886$362,922,314
90$513,924,170$22,970,846$6,714,062$399,566,418
91$566,166,986$23,918,968$6,761,534$439,938,422
92$623,732,980$24,907,959$6,805,007$484,418,320
93$687,164,939$25,939,644$6,844,170$533,424,857
94$757,061,011$27,015,935$6,878,698$587,419,483
95$834,080,347$28,138,829$6,908,247$646,910,709
96$918,949,328$29,310,417$6,932,459$712,458,907
97$1,012,468,418$30,532,885$6,950,954$784,681,600
98$1,115,519,722$31,808,522$6,963,337$864,259,290
99$1,229,075,314$33,139,720$6,969,189$951,941,883
100$1,354,206,412$34,528,983$6,968,073$1,048,555,766