Can I retire at age 35 with 2,680,000?

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 $2,680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$221,312$219,341$217,417$215,540$213,707$209,994
2 years$109,560$107,520$105,542$103,625$101,765$98,036
3 years$72,315$70,265$68,293$66,394$64,564$60,936
4 years$53,696$51,653$49,700$47,833$46,048$42,547
5 years$42,527$40,496$38,569$36,740$35,005$31,643
6 years$35,084$33,068$31,170$29,381$27,698$24,478
7 years$29,769$27,771$25,902$24,156$22,526$19,449
8 years$25,785$23,805$21,967$20,264$18,687$15,753
9 years$22,688$20,726$18,920$17,260$15,737$12,944
10 years$20,212$18,269$16,495$14,879$13,409$10,754
11 years$18,187$16,264$14,522$12,949$11,532$9,013
12 years$16,501$14,598$12,888$11,358$9,994$7,606
13 years$15,075$13,192$11,514$10,027$8,715$6,456
14 years$13,855$11,991$10,346$8,901$7,639$5,505
15 years$12,797$10,954$9,341$7,938$6,726$4,712
16 years$11,873$10,050$8,469$7,108$5,945$4,047
17 years$11,059$9,256$7,706$6,386$5,271$3,485
18 years$10,336$8,553$7,035$5,755$4,687$3,008
19 years$9,689$7,927$6,440$5,200$4,177$2,601
20 years$9,108$7,366$5,910$4,710$3,731$2,253
21 years$8,584$6,861$5,436$4,275$3,339$1,955
22 years$8,107$6,404$5,011$3,887$2,993$1,698
23 years$7,672$5,990$4,626$3,540$2,687$1,476
24 years$7,275$5,612$4,279$3,228$2,415$1,285
25 years$6,909$5,267$3,963$2,948$2,173$1,119
26 years$6,573$4,950$3,675$2,696$1,957$975
27 years$6,262$4,658$3,413$2,468$1,765$851
28 years$5,973$4,390$3,173$2,261$1,592$742
29 years$5,705$4,141$2,952$2,073$1,438$648
30 years$5,455$3,911$2,750$1,903$1,299$566
31 years$5,222$3,697$2,564$1,747$1,175$494
32 years$5,004$3,498$2,392$1,606$1,062$432
33 years$4,799$3,313$2,234$1,477$962$378
34 years$4,607$3,140$2,087$1,359$871$330
35 years$4,427$2,978$1,951$1,251$789$289
36 years$4,256$2,827$1,825$1,152$714$252
37 years$4,096$2,685$1,708$1,061$648$221
38 years$3,944$2,551$1,600$978$587$193
39 years$3,800$2,426$1,499$902$532$169
40 years$3,664$2,308$1,405$832$483$148
41 years$3,535$2,197$1,317$768$438$129
42 years$3,412$2,093$1,236$708$397$113
43 years$3,295$1,994$1,160$654$361$99
44 years$3,184$1,900$1,088$604$327$87
45 years$3,078$1,812$1,022$558$297$76
46 years$2,977$1,729$960$515$270$66
47 years$2,881$1,650$902$476$245$58
48 years$2,789$1,575$847$440$223$51
49 years$2,701$1,504$797$406$202$45
50 years$2,617$1,437$749$376$184$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,680,000, adding $3,230 every year, while hoping to spend $57,889 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: 39/36/25 Blend
34$2,680,000$2,680,000$2,680,000$2,680,000
35$2,956,692$2,814,652$2,773,112$3,049,936
36$3,196,681$2,890,976$2,804,418$3,194,262
37$3,459,209$2,969,100$2,834,832$3,344,580
38$3,746,513$3,049,051$2,864,264$3,505,986
39$4,061,058$3,130,856$2,892,617$3,679,526
40$4,405,557$3,214,539$2,919,791$3,866,348
41$4,782,999$3,300,126$2,945,679$4,067,719
42$5,196,674$3,387,642$2,970,169$4,285,034
43$5,650,207$3,477,108$2,993,142$4,519,829
44$6,147,590$3,568,548$3,014,473$4,773,796
45$6,693,219$3,661,982$3,034,033$5,048,798
46$7,291,937$3,757,429$3,051,684$5,346,889
47$7,949,080$3,854,908$3,067,279$5,670,331
48$8,670,521$3,954,434$3,080,669$6,021,616
49$9,462,735$4,056,021$3,091,692$6,403,491
50$10,332,850$4,159,683$3,100,180$6,818,980
51$11,288,723$4,265,429$3,105,958$7,271,419
52$12,339,005$4,373,268$3,108,840$7,764,481
53$13,493,229$4,483,203$3,108,631$8,302,215
54$14,761,896$4,595,238$3,105,129$8,889,083
55$16,156,577$4,709,373$3,098,118$9,530,003
56$17,690,018$4,825,602$3,087,375$10,230,392
57$19,376,262$4,943,919$3,072,664$10,996,224
58$21,230,782$5,064,312$3,053,740$11,834,080
59$23,270,624$5,186,765$3,030,342$12,751,214
60$25,514,571$5,311,260$3,002,202$13,755,621
61$27,983,316$5,437,770$2,969,034$14,856,113
62$30,699,660$5,566,267$2,930,543$16,062,401
63$33,688,726$5,696,715$2,886,416$17,385,188
64$36,978,194$5,829,072$2,836,329$18,836,273
65$40,598,564$5,963,290$2,779,940$20,428,657
66$44,583,442$6,099,317$2,716,893$22,176,671
67$48,969,859$6,237,089$2,646,815$24,096,110
68$53,798,616$6,376,537$2,569,314$26,204,384
69$59,114,671$6,517,584$2,483,983$28,520,680
70$64,967,565$6,660,143$2,390,394$31,066,147
71$71,411,885$6,804,118$2,288,100$33,864,094
72$78,507,781$6,949,404$2,176,635$36,940,212
73$86,321,532$7,095,882$2,055,510$40,322,817
74$94,926,174$7,243,426$1,924,215$44,043,117
75$104,402,185$7,391,894$1,782,217$48,135,510
76$114,838,245$7,541,134$1,628,959$52,637,909
77$126,332,074$7,690,979$1,463,858$57,592,098
78$138,991,355$7,841,246$1,286,306$63,044,131
79$152,934,745$7,991,739$1,095,669$69,044,766
80$168,292,998$8,142,243$891,283$75,649,949
81$185,210,199$8,292,528$672,456$82,921,337
82$203,845,120$8,442,343$438,464$90,926,888
83$224,372,723$8,591,418$188,554$99,741,499
84$246,985,807$8,739,464$0$109,447,719
85$271,896,828$8,886,166$0$120,157,373
86$299,339,905$9,031,189$0$132,004,917
87$329,573,027$9,174,170$0$145,050,742
88$362,880,493$9,314,721$0$159,416,886
89$399,575,588$9,452,426$0$175,237,832
90$440,003,542$9,586,840$0$192,661,785
91$484,544,792$9,717,483$0$211,852,065
92$533,618,567$9,843,847$0$232,988,655
93$587,686,850$9,965,384$0$256,269,896
94$647,258,731$10,081,510$0$281,914,365
95$712,895,220$10,191,603$0$310,162,933
96$785,214,539$10,294,998$0$341,281,047
97$864,897,954$10,390,985$0$375,561,232
98$952,696,211$10,478,809$0$413,325,854
99$1,049,436,618$10,557,664$0$454,930,170
100$1,156,030,857$10,626,693$0$500,765,673