Can I retire at age 35 with 2,710,000?

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 $2,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$223,789$221,796$219,851$217,953$216,099$210,363
2 years$110,787$108,723$106,724$104,785$102,904$97,165
3 years$73,124$71,052$69,057$67,137$65,287$59,725
4 years$54,297$52,231$50,256$48,368$46,563$41,220
5 years$43,003$40,950$39,001$37,151$35,397$30,288
6 years$35,476$33,438$31,518$29,710$28,008$23,139
7 years$30,102$28,081$26,192$24,426$22,778$18,148
8 years$26,074$24,071$22,213$20,491$18,897$14,504
9 years$22,942$20,958$19,132$17,454$15,914$11,754
10 years$20,438$18,474$16,680$15,045$13,559$9,627
11 years$18,391$16,446$14,684$13,094$11,661$7,952
12 years$16,686$14,761$13,032$11,485$10,106$6,611
13 years$15,244$13,340$11,643$10,140$8,812$5,525
14 years$14,010$12,125$10,462$9,001$7,725$4,638
15 years$12,941$11,077$9,445$8,027$6,801$3,907
16 years$12,006$10,163$8,564$7,187$6,011$3,301
17 years$11,183$9,359$7,793$6,458$5,330$2,796
18 years$10,451$8,649$7,114$5,820$4,739$2,373
19 years$9,798$8,015$6,512$5,259$4,224$2,017
20 years$9,210$7,448$5,977$4,763$3,773$1,718
21 years$8,680$6,938$5,497$4,322$3,376$1,464
22 years$8,198$6,476$5,067$3,930$3,026$1,249
23 years$7,758$6,057$4,678$3,579$2,717$1,067
24 years$7,356$5,675$4,326$3,264$2,442$912
25 years$6,987$5,326$4,007$2,981$2,197$780
26 years$6,646$5,005$3,716$2,726$1,979$667
27 years$6,332$4,711$3,451$2,495$1,784$571
28 years$6,040$4,439$3,208$2,286$1,610$489
29 years$5,769$4,187$2,985$2,096$1,454$419
30 years$5,516$3,955$2,781$1,924$1,314$359
31 years$5,281$3,738$2,593$1,767$1,188$308
32 years$5,060$3,537$2,419$1,624$1,074$264
33 years$4,853$3,350$2,259$1,493$972$226
34 years$4,659$3,175$2,110$1,374$880$194
35 years$4,476$3,011$1,973$1,265$797$166
36 years$4,304$2,858$1,846$1,165$722$143
37 years$4,142$2,715$1,727$1,073$655$122
38 years$3,988$2,580$1,618$989$594$105
39 years$3,843$2,453$1,516$912$538$90
40 years$3,705$2,334$1,421$841$488$77
41 years$3,574$2,222$1,332$776$443$66
42 years$3,450$2,116$1,250$716$402$57
43 years$3,332$2,016$1,172$661$365$49
44 years$3,220$1,922$1,101$611$331$42
45 years$3,113$1,833$1,033$564$301$36
46 years$3,011$1,748$971$521$273$31
47 years$2,913$1,668$912$481$248$27
48 years$2,820$1,593$857$445$225$23
49 years$2,731$1,521$805$411$204$20
50 years$2,646$1,453$757$380$186$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,710,000, adding $5,593 every year, while hoping to spend $22,281 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: 43/44/13 Blend
34$2,710,000$2,710,000$2,710,000$2,710,000
35$2,992,189$2,848,559$2,806,554$3,109,332
36$3,273,686$2,964,432$2,876,867$3,307,707
37$3,583,148$3,085,235$2,948,788$3,519,822
38$3,923,405$3,211,188$3,022,349$3,749,128
39$4,297,574$3,342,518$3,097,579$3,997,212
40$4,709,089$3,479,463$3,174,510$4,265,814
41$5,161,732$3,622,273$3,253,173$4,556,847
42$5,659,674$3,771,209$3,333,599$4,872,411
43$6,207,506$3,926,544$3,415,819$5,214,812
44$6,810,288$4,088,562$3,499,867$5,586,584
45$7,473,598$4,257,561$3,585,772$5,990,512
46$8,203,578$4,433,855$3,673,569$6,429,655
47$9,006,998$4,617,769$3,763,288$6,907,376
48$9,891,316$4,809,644$3,854,962$7,427,371
49$10,864,751$5,009,837$3,948,624$7,993,704
50$11,936,359$5,218,722$4,044,307$8,610,843
51$13,116,118$5,436,690$4,142,041$9,283,700
52$14,415,023$5,664,149$4,241,861$10,017,680
53$15,845,190$5,901,527$4,343,798$10,818,724
54$17,419,969$6,149,272$4,447,885$11,693,371
55$19,154,070$6,407,851$4,554,154$12,648,810
56$21,063,704$6,677,754$4,662,636$13,692,955
57$23,166,731$6,959,493$4,773,364$14,834,509
58$25,482,835$7,253,606$4,886,369$16,083,052
59$28,033,705$7,560,653$5,001,683$17,449,123
60$30,843,239$7,881,221$5,119,335$18,944,324
61$33,937,773$8,215,925$5,239,357$20,581,421
62$37,346,329$8,565,408$5,361,778$22,374,467
63$41,100,884$8,930,343$5,486,628$24,338,931
64$45,236,679$9,311,434$5,613,935$26,491,840
65$49,792,546$9,709,420$5,743,727$28,851,940
66$54,811,275$10,125,071$5,876,031$31,439,867
67$60,340,021$10,559,195$6,010,874$34,278,342
68$66,430,746$11,012,639$6,148,281$37,392,382
69$73,140,710$11,486,286$6,288,277$40,809,532
70$80,533,013$11,981,064$6,430,885$44,560,123
71$88,677,187$12,497,943$6,576,126$48,677,556
72$97,649,855$13,037,938$6,724,022$53,198,609
73$107,535,455$13,602,112$6,874,591$58,163,788
74$118,427,034$14,191,577$7,027,852$63,617,701
75$130,427,127$14,807,500$7,183,821$69,609,475
76$143,648,726$15,451,100$7,342,511$76,193,218
77$158,216,347$16,123,654$7,503,935$83,428,523
78$174,267,201$16,826,500$7,668,104$91,381,029
79$191,952,496$17,561,039$7,835,026$100,123,034
80$211,438,856$18,328,736$8,004,705$109,734,175
81$232,909,903$19,131,127$8,177,146$120,302,169
82$256,567,981$19,969,820$8,352,348$131,923,642
83$282,636,073$20,846,499$8,530,310$144,705,036
84$311,359,902$21,762,928$8,711,025$158,763,600
85$343,010,253$22,720,952$8,894,485$174,228,501
86$377,885,527$23,722,506$9,080,678$191,242,029
87$416,314,557$24,769,616$9,269,588$209,960,940
88$458,659,717$25,864,402$9,461,194$230,557,923
89$505,320,337$27,009,086$9,655,473$253,223,229
90$556,736,476$28,205,996$9,852,396$278,166,454
91$613,393,075$29,457,569$10,051,930$305,618,512
92$675,824,536$30,766,357$10,254,037$335,833,810
93$744,619,765$32,135,035$10,458,674$369,092,634
94$820,427,733$33,566,404$10,665,791$405,703,793
95$903,963,602$35,063,398$10,875,335$446,007,520
96$996,015,475$36,629,089$11,087,244$490,378,677
97$1,097,451,837$38,266,699$11,301,451$539,230,281
98$1,209,229,756$39,979,599$11,517,881$593,017,396
99$1,332,403,915$41,771,323$11,736,454$652,241,414
100$1,468,136,569$43,645,572$11,957,079$717,454,777