Can I retire at age 35 with 2,650,000?

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$218,835$216,885$214,983$213,127$211,315$204,387
2 years$108,334$106,316$104,361$102,465$100,626$93,712
3 years$71,505$69,479$67,528$65,650$63,841$57,159
4 years$53,094$51,074$49,143$47,297$45,532$39,132
5 years$42,051$40,043$38,137$36,329$34,613$28,512
6 years$34,691$32,698$30,821$29,053$27,388$21,592
7 years$29,436$27,460$25,612$23,886$22,274$16,782
8 years$25,496$23,538$21,721$20,037$18,478$13,286
9 years$22,434$20,494$18,708$17,067$15,561$10,663
10 years$19,985$18,065$16,310$14,712$13,259$8,647
11 years$17,983$16,082$14,359$12,804$11,403$7,068
12 years$16,316$14,434$12,744$11,231$9,882$5,815
13 years$14,907$13,044$11,386$9,915$8,617$4,808
14 years$13,699$11,857$10,230$8,801$7,554$3,991
15 years$12,654$10,831$9,236$7,849$6,651$3,325
16 years$11,740$9,938$8,374$7,028$5,878$2,777
17 years$10,935$9,152$7,620$6,315$5,212$2,325
18 years$10,220$8,457$6,956$5,691$4,634$1,950
19 years$9,581$7,838$6,368$5,142$4,131$1,638
20 years$9,007$7,283$5,844$4,657$3,689$1,377
21 years$8,487$6,784$5,376$4,227$3,302$1,160
22 years$8,016$6,333$4,954$3,843$2,959$977
23 years$7,587$5,923$4,575$3,500$2,657$824
24 years$7,193$5,549$4,231$3,192$2,388$695
25 years$6,832$5,208$3,918$2,915$2,149$587
26 years$6,499$4,895$3,634$2,666$1,935$496
27 years$6,192$4,606$3,375$2,440$1,745$419
28 years$5,906$4,341$3,137$2,235$1,575$354
29 years$5,641$4,095$2,919$2,050$1,422$299
30 years$5,394$3,867$2,719$1,881$1,285$253
31 years$5,164$3,656$2,535$1,728$1,161$214
32 years$4,948$3,459$2,365$1,588$1,051$181
33 years$4,746$3,276$2,209$1,460$951$153
34 years$4,556$3,105$2,064$1,344$861$130
35 years$4,377$2,945$1,929$1,237$780$110
36 years$4,209$2,795$1,805$1,139$706$93
37 years$4,050$2,655$1,689$1,050$640$79
38 years$3,900$2,523$1,582$967$580$67
39 years$3,758$2,399$1,482$892$526$56
40 years$3,623$2,282$1,389$823$477$48
41 years$3,495$2,173$1,303$759$433$40
42 years$3,374$2,069$1,222$701$393$34
43 years$3,258$1,971$1,147$647$357$29
44 years$3,149$1,879$1,076$597$324$25
45 years$3,044$1,792$1,011$551$294$21
46 years$2,944$1,710$949$509$267$18
47 years$2,849$1,631$892$471$242$15
48 years$2,758$1,557$838$435$220$13
49 years$2,671$1,487$788$402$200$11
50 years$2,587$1,421$740$371$182$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,650,000, adding $6,794 every year, while hoping to spend $36,189 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: 75/18/7 Blend
34$2,650,000$2,650,000$2,650,000$2,650,000
35$2,927,308$2,786,858$2,745,783$3,143,664
36$3,187,389$2,884,909$2,799,262$3,384,993
37$3,472,785$2,986,552$2,853,319$3,644,082
38$3,786,040$3,091,924$2,907,937$3,926,945
39$4,129,956$3,201,169$2,963,093$4,235,923
40$4,507,621$3,314,436$3,018,767$4,573,595
41$4,922,435$3,431,880$3,074,932$4,942,798
42$5,378,144$3,553,662$3,131,562$5,346,657
43$5,878,873$3,679,950$3,188,628$5,788,612
44$6,429,171$3,810,920$3,246,099$6,272,453
45$7,034,044$3,946,753$3,303,941$6,802,349
46$7,699,010$4,087,638$3,362,117$7,382,895
47$8,430,150$4,233,772$3,420,589$8,019,150
48$9,234,159$4,385,361$3,479,313$8,716,685
49$10,118,418$4,542,619$3,538,244$9,481,635
50$11,091,056$4,705,766$3,597,334$10,320,760
51$12,161,030$4,875,036$3,656,532$11,241,502
52$13,338,211$5,050,668$3,715,781$12,252,061
53$14,633,471$5,232,914$3,775,023$13,361,466
54$16,058,794$5,422,035$3,834,195$14,579,666
55$17,627,379$5,618,303$3,893,229$15,917,618
56$19,353,774$5,822,002$3,952,055$17,387,393
57$21,254,006$6,033,427$4,010,595$19,002,289
58$23,345,735$6,252,886$4,068,771$20,776,954
59$25,648,421$6,480,698$4,126,495$22,727,525
60$28,183,506$6,717,198$4,183,678$24,871,783
61$30,974,616$6,962,733$4,240,224$27,229,312
62$34,047,785$7,217,666$4,296,030$29,821,691
63$37,431,701$7,482,373$4,350,990$32,672,694
64$41,157,975$7,757,250$4,404,988$35,808,513
65$45,261,438$8,042,704$4,457,904$39,258,006
66$49,780,473$8,339,165$4,509,612$43,052,969
67$54,757,373$8,647,077$4,559,977$47,228,430
68$60,238,746$8,966,904$4,608,856$51,822,989
69$66,275,946$9,299,130$4,656,101$56,879,170
70$72,925,565$9,644,260$4,701,553$62,443,832
71$80,249,964$10,002,820$4,745,047$68,568,603
72$88,317,861$10,375,358$4,786,406$75,310,369
73$97,204,978$10,762,447$4,825,446$82,731,811
74$106,994,760$11,164,681$4,861,973$90,901,993
75$117,779,159$11,582,683$4,895,782$99,897,017
76$129,659,501$12,017,102$4,926,658$109,800,737
77$142,747,443$12,468,614$4,954,375$120,705,549
78$157,166,031$12,937,924$4,978,694$132,713,265
79$173,050,852$13,425,768$4,999,367$145,936,071
80$190,551,322$13,932,914$5,016,129$160,497,585
81$209,832,092$14,460,163$5,028,705$176,534,023
82$231,074,604$15,008,349$5,036,805$194,195,483
83$254,478,801$15,578,346$5,040,125$213,647,361
84$280,265,016$16,171,062$5,038,346$235,071,912
85$308,676,050$16,787,446$5,031,133$258,669,967
86$339,979,465$17,428,489$5,018,134$284,662,827
87$374,470,110$18,095,224$4,998,981$313,294,354
88$412,472,902$18,788,731$4,973,288$344,833,268
89$454,345,895$19,510,135$4,940,649$379,575,684
90$500,483,656$20,260,612$4,900,641$417,847,904
91$551,320,995$21,041,389$4,852,819$460,009,499
92$607,337,065$21,853,745$4,796,717$506,456,697
93$669,059,886$22,699,019$4,731,848$557,626,124
94$737,071,330$23,578,606$4,657,700$613,998,925
95$812,012,612$24,493,964$4,573,739$676,105,301
96$894,590,345$25,446,615$4,479,406$744,529,515
97$985,583,209$26,438,148$4,374,115$819,915,404
98$1,085,849,301$27,470,222$4,257,253$902,972,456
99$1,196,334,238$28,544,571$4,128,179$994,482,505
100$1,318,080,080$29,663,005$3,986,222$1,095,307,106