Can I retire at age 35 with 2,660,000?

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 $2,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$219,660$217,704$215,795$213,932$212,112$210,775
2 years$108,743$106,717$104,755$102,852$101,006$99,657
3 years$71,775$69,741$67,783$65,898$64,082$62,764
4 years$53,295$51,267$49,329$47,476$45,704$44,426
5 years$42,210$40,194$38,281$36,466$34,743$33,509
6 years$34,822$32,821$30,937$29,162$27,491$26,303
7 years$29,547$27,563$25,709$23,976$22,358$21,216
8 years$25,593$23,627$21,803$20,113$18,548$17,452
9 years$22,519$20,571$18,779$17,132$15,620$14,570
10 years$20,061$18,133$16,372$14,768$13,309$12,304
11 years$18,051$16,143$14,414$12,852$11,446$10,486
12 years$16,378$14,489$12,792$11,273$9,919$9,003
13 years$14,963$13,094$11,429$9,952$8,650$7,777
14 years$13,751$11,902$10,269$8,835$7,582$6,751
15 years$12,702$10,872$9,271$7,879$6,676$5,886
16 years$11,785$9,975$8,406$7,055$5,900$5,150
17 years$10,976$9,187$7,649$6,339$5,232$4,520
18 years$10,259$8,489$6,982$5,712$4,652$3,977
19 years$9,617$7,868$6,392$5,162$4,146$3,507
20 years$9,040$7,311$5,866$4,675$3,703$3,099
21 years$8,519$6,810$5,396$4,243$3,314$2,744
22 years$8,046$6,357$4,973$3,858$2,971$2,432
23 years$7,615$5,945$4,592$3,513$2,667$2,159
24 years$7,220$5,570$4,247$3,204$2,397$1,919
25 years$6,858$5,227$3,933$2,926$2,157$1,707
26 years$6,524$4,913$3,648$2,676$1,943$1,520
27 years$6,215$4,624$3,387$2,449$1,752$1,354
28 years$5,929$4,357$3,149$2,244$1,580$1,208
29 years$5,662$4,110$2,930$2,058$1,427$1,078
30 years$5,415$3,882$2,730$1,888$1,289$962
31 years$5,183$3,669$2,545$1,734$1,166$859
32 years$4,967$3,472$2,374$1,594$1,055$768
33 years$4,764$3,288$2,217$1,466$954$686
34 years$4,573$3,116$2,071$1,349$864$614
35 years$4,394$2,956$1,937$1,242$783$549
36 years$4,225$2,806$1,812$1,143$709$491
37 years$4,065$2,665$1,696$1,053$643$440
38 years$3,914$2,532$1,588$971$583$394
39 years$3,772$2,408$1,488$895$528$352
40 years$3,637$2,291$1,394$826$479$316
41 years$3,508$2,181$1,307$762$435$283
42 years$3,387$2,077$1,226$703$395$253
43 years$3,271$1,979$1,151$649$358$227
44 years$3,160$1,886$1,080$599$325$203
45 years$3,055$1,799$1,014$554$295$182
46 years$2,955$1,716$953$511$268$163
47 years$2,860$1,638$895$472$243$146
48 years$2,768$1,563$841$436$221$131
49 years$2,681$1,493$791$403$201$118
50 years$2,597$1,426$743$373$182$105

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,660,000, adding $3,552 every year, while hoping to spend $50,316 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: 42/38/20 Blend
34$2,660,000$2,660,000$2,660,000$2,660,000
35$2,934,984$2,794,004$2,752,774$3,040,922
36$3,180,816$2,877,374$2,791,456$3,199,831
37$3,450,037$2,963,143$2,829,748$3,366,656
38$3,744,980$3,051,376$2,867,582$3,546,278
39$4,068,211$3,142,137$2,904,890$3,739,895
40$4,422,562$3,235,495$2,941,597$3,948,831
41$4,811,148$3,331,518$2,977,625$4,174,538
42$5,237,400$3,430,278$3,012,890$4,418,615
43$5,705,098$3,531,845$3,047,306$4,682,823
44$6,218,406$3,636,293$3,080,779$4,969,100
45$6,781,910$3,743,699$3,113,212$5,279,577
46$7,400,663$3,854,138$3,144,502$5,616,604
47$8,080,229$3,967,688$3,174,541$5,982,763
48$8,826,738$4,084,431$3,203,214$6,380,902
49$9,646,945$4,204,448$3,230,401$6,814,154
50$10,548,289$4,327,821$3,255,975$7,285,969
51$11,538,966$4,454,636$3,279,802$7,800,148
52$12,628,008$4,584,981$3,301,743$8,360,876
53$13,825,361$4,718,942$3,321,648$8,972,762
54$15,141,988$4,856,610$3,339,363$9,640,883
55$16,589,964$4,998,076$3,354,724$10,370,831
56$18,182,593$5,143,435$3,367,560$11,168,767
57$19,934,534$5,292,780$3,377,691$12,041,475
58$21,861,939$5,446,209$3,384,926$12,996,431
59$23,982,603$5,603,819$3,389,067$14,041,869
60$26,316,133$5,765,711$3,389,905$15,186,862
61$28,884,134$5,931,985$3,387,222$16,441,403
62$31,710,408$6,102,746$3,380,787$17,816,503
63$34,821,186$6,278,096$3,370,359$19,324,296
64$38,245,367$6,458,143$3,355,686$20,978,147
65$42,014,795$6,642,993$3,336,503$22,792,782
66$46,164,560$6,832,755$3,312,531$24,784,430
67$50,733,325$7,027,540$3,283,481$26,970,969
68$55,763,693$7,227,459$3,249,046$29,372,100
69$61,302,609$7,432,624$3,208,909$32,009,528
70$67,401,802$7,643,149$3,162,734$34,907,174
71$74,118,272$7,859,149$3,110,172$38,091,392
72$81,514,828$8,080,740$3,050,855$41,591,224
73$89,660,683$8,308,039$2,984,401$45,438,672
74$98,632,102$8,541,162$2,910,408$49,669,000
75$108,513,126$8,780,229$2,828,456$54,321,064
76$119,396,362$9,025,357$2,738,107$59,437,683
77$131,383,857$9,276,665$2,638,899$65,066,043
78$144,588,062$9,534,274$2,530,354$71,258,139
79$159,132,892$9,798,301$2,411,969$78,071,267
80$175,154,896$10,068,866$2,283,218$85,568,568
81$192,804,543$10,346,088$2,143,553$93,819,618
82$212,247,645$10,630,085$1,992,401$102,901,091
83$233,666,921$10,920,975$1,829,162$112,897,480
84$257,263,717$11,218,874$1,653,210$123,901,895
85$283,259,915$11,523,897$1,463,891$136,016,940
86$311,900,016$11,836,158$1,260,522$149,355,687
87$343,453,457$12,155,769$1,042,388$164,042,739
88$378,217,148$12,482,840$808,746$180,215,407
89$416,518,275$12,817,477$558,818$198,025,011
90$458,717,392$13,159,785$291,790$217,638,301
91$505,211,816$13,509,866$6,816$239,239,039
92$556,439,388$13,867,816$0$263,029,730
93$612,882,595$14,233,728$0$289,296,981
94$675,073,130$14,607,691$0$318,228,949
95$743,596,910$14,989,789$0$350,095,396
96$819,099,605$15,380,098$0$385,195,192
97$902,292,733$15,778,691$0$423,857,684
98$993,960,376$16,185,631$0$466,445,801
99$1,094,966,582$16,600,976$0$513,359,480
100$1,206,263,523$17,024,773$0$565,039,442