Can I retire at age 35 with 2,690,000?

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 $2,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$222,138$220,159$218,229$216,344$214,504$212,707
2 years$109,969$107,921$105,936$104,012$102,145$100,334
3 years$72,585$70,528$68,548$66,641$64,805$63,036
4 years$53,896$51,845$49,885$48,011$46,219$44,506
5 years$42,686$40,647$38,713$36,877$35,135$33,482
6 years$35,215$33,192$31,286$29,491$27,801$26,211
7 years$29,880$27,874$25,999$24,246$22,610$21,083
8 years$25,881$23,893$22,049$20,340$18,757$17,294
9 years$22,773$20,803$18,991$17,325$15,796$14,396
10 years$20,287$18,337$16,557$14,934$13,459$12,121
11 years$18,255$16,325$14,576$12,997$11,575$10,298
12 years$16,562$14,652$12,936$11,400$10,031$8,814
13 years$15,132$13,241$11,557$10,065$8,747$7,589
14 years$13,906$12,036$10,384$8,934$7,668$6,567
15 years$12,845$10,995$9,376$7,968$6,751$5,706
16 years$11,918$10,088$8,500$7,134$5,967$4,975
17 years$11,100$9,290$7,735$6,410$5,291$4,351
18 years$10,374$8,585$7,061$5,777$4,704$3,815
19 years$9,726$7,956$6,464$5,220$4,193$3,353
20 years$9,142$7,393$5,932$4,728$3,745$2,952
21 years$8,616$6,887$5,457$4,291$3,352$2,604
22 years$8,137$6,428$5,029$3,901$3,004$2,299
23 years$7,701$6,012$4,644$3,553$2,697$2,033
24 years$7,302$5,633$4,295$3,240$2,424$1,800
25 years$6,935$5,286$3,978$2,959$2,181$1,595
26 years$6,597$4,968$3,689$2,706$1,965$1,415
27 years$6,285$4,676$3,426$2,477$1,771$1,256
28 years$5,995$4,406$3,185$2,269$1,598$1,115
29 years$5,726$4,157$2,963$2,081$1,443$991
30 years$5,476$3,925$2,760$1,910$1,304$881
31 years$5,242$3,711$2,573$1,754$1,179$784
32 years$5,023$3,511$2,401$1,612$1,066$698
33 years$4,817$3,325$2,242$1,482$965$621
34 years$4,625$3,152$2,095$1,364$874$553
35 years$4,443$2,989$1,958$1,256$791$493
36 years$4,272$2,837$1,832$1,156$717$439
37 years$4,111$2,695$1,715$1,065$650$391
38 years$3,959$2,561$1,606$982$589$349
39 years$3,814$2,435$1,504$905$534$311
40 years$3,678$2,317$1,410$835$485$277
41 years$3,548$2,205$1,322$771$440$247
42 years$3,425$2,100$1,240$711$399$221
43 years$3,308$2,001$1,164$656$362$197
44 years$3,196$1,908$1,092$606$329$176
45 years$3,090$1,819$1,026$560$298$157
46 years$2,989$1,735$963$517$271$140
47 years$2,892$1,656$905$478$246$125
48 years$2,799$1,581$851$441$223$111
49 years$2,711$1,510$799$408$203$99
50 years$2,626$1,442$752$377$184$89

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,690,000, adding $4,534 every year, while hoping to spend $26,969 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: 73/20/7 Blend
34$2,690,000$2,690,000$2,690,000$2,690,000
35$2,969,057$2,826,487$2,784,792$3,182,545
36$3,243,206$2,936,290$2,849,388$3,433,687
37$3,544,414$3,050,569$2,915,243$3,704,816
38$3,875,413$3,169,516$2,982,373$4,000,983
39$4,239,213$3,293,330$3,050,790$4,324,654
40$4,639,128$3,422,218$3,120,506$4,678,540
41$5,078,810$3,556,399$3,191,535$5,065,626
42$5,562,286$3,696,099$3,263,888$5,489,197
43$6,093,986$3,841,555$3,337,576$5,952,871
44$6,678,798$3,993,016$3,412,609$6,460,630
45$7,322,101$4,150,740$3,488,998$7,016,860
46$8,029,827$4,314,998$3,566,751$7,626,386
47$8,808,508$4,486,071$3,645,876$8,294,526
48$9,665,343$4,664,256$3,726,380$9,027,133
49$10,608,264$4,849,860$3,808,269$9,830,653
50$11,646,010$5,043,207$3,891,550$10,712,184
51$12,788,211$5,244,632$3,976,224$11,679,545
52$14,045,477$5,454,487$4,062,296$12,741,344
53$15,429,499$5,673,141$4,149,767$13,907,065
54$16,953,161$5,900,977$4,238,637$15,187,152
55$18,630,656$6,138,398$4,328,904$16,593,108
56$20,477,626$6,385,823$4,420,566$18,137,604
57$22,511,307$6,643,691$4,513,617$19,834,596
58$24,750,689$6,912,461$4,608,053$21,699,460
59$27,216,700$7,192,612$4,703,863$23,749,129
60$29,932,400$7,484,646$4,801,039$26,002,260
61$32,923,198$7,789,087$4,899,567$28,479,402
62$36,217,095$8,106,483$4,999,433$31,203,194
63$39,844,945$8,437,407$5,100,620$34,198,578
64$43,840,747$8,782,458$5,203,109$37,493,028
65$48,241,967$9,142,263$5,306,877$41,116,815
66$53,089,890$9,517,476$5,411,900$45,103,285
67$58,430,009$9,908,782$5,518,148$49,489,178
68$64,312,456$10,316,899$5,625,593$54,314,972
69$70,792,474$10,742,574$5,734,197$59,625,262
70$77,930,939$11,186,593$5,843,925$65,469,183
71$85,794,932$11,649,773$5,954,735$71,900,867
72$94,458,377$12,132,974$6,066,579$78,979,960
73$104,002,732$12,637,090$6,179,411$86,772,178
74$114,517,764$13,163,061$6,293,174$95,349,926
75$126,102,392$13,711,866$6,407,811$104,792,983
76$138,865,622$14,284,534$6,523,259$115,189,251
77$152,927,576$14,882,137$6,639,449$126,635,584
78$168,420,626$15,505,799$6,756,308$139,238,701
79$185,490,642$16,156,695$6,873,756$153,116,188
80$204,298,369$16,836,055$6,991,709$168,397,613
81$225,020,947$17,545,166$7,110,075$185,225,739
82$247,853,578$18,285,373$7,228,757$203,757,875
83$273,011,373$19,058,086$7,347,650$224,167,357
84$300,731,380$19,864,780$7,466,644$246,645,183
85$331,274,822$20,706,996$7,585,618$271,401,812
86$364,929,565$21,586,349$7,704,446$298,669,148
87$402,012,829$22,504,528$7,822,994$328,702,731
88$442,874,190$23,463,303$7,941,117$361,784,138
89$487,898,876$24,464,523$8,058,663$398,223,650
90$537,511,402$25,510,126$8,175,469$438,363,166
91$592,179,582$26,602,139$8,291,364$482,579,436
92$652,418,940$27,742,684$8,406,165$531,287,613
93$718,797,579$28,933,983$8,519,679$584,945,164
94$791,941,544$30,178,360$8,631,700$644,056,191
95$872,540,732$31,478,250$8,742,012$709,176,184
96$961,355,403$32,836,201$8,850,386$780,917,261
97$1,059,223,359$34,254,880$8,956,580$859,953,942
98$1,167,067,853$35,737,080$9,060,336$947,029,514
99$1,285,906,302$37,285,725$9,161,386$1,042,963,044
100$1,416,859,895$38,903,876$9,259,442$1,148,657,106