Can I retire at age 35 with 2,720,000?

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 $2,720,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$224,615$222,614$220,662$218,757$216,897$213,655
2 years$111,196$109,125$107,118$105,172$103,284$100,026
3 years$73,394$71,314$69,312$67,384$65,528$62,354
4 years$54,497$52,423$50,442$48,547$46,735$43,670
5 years$43,162$41,101$39,145$37,289$35,527$32,580
6 years$35,607$33,562$31,635$29,820$28,111$25,285
7 years$30,213$28,185$26,289$24,517$22,862$20,158
8 years$26,170$24,160$22,295$20,566$18,966$16,384
9 years$23,027$21,035$19,203$17,518$15,972$13,511
10 years$20,513$18,542$16,741$15,101$13,609$11,266
11 years$18,458$16,507$14,739$13,142$11,704$9,477
12 years$16,747$14,815$13,080$11,527$10,143$8,029
13 years$15,300$13,389$11,686$10,177$8,845$6,842
14 years$14,061$12,170$10,500$9,034$7,753$5,857
15 years$12,988$11,118$9,480$8,057$6,827$5,035
16 years$12,051$10,200$8,595$7,214$6,033$4,342
17 years$11,224$9,394$7,821$6,482$5,350$3,755
18 years$10,490$8,680$7,140$5,841$4,757$3,255
19 years$9,834$8,045$6,536$5,278$4,240$2,827
20 years$9,244$7,476$5,999$4,780$3,787$2,460
21 years$8,712$6,963$5,518$4,338$3,389$2,144
22 years$8,228$6,500$5,085$3,945$3,038$1,871
23 years$7,787$6,079$4,695$3,592$2,727$1,634
24 years$7,383$5,696$4,342$3,277$2,451$1,429
25 years$7,013$5,345$4,022$2,992$2,205$1,251
26 years$6,671$5,024$3,730$2,736$1,987$1,095
27 years$6,355$4,728$3,464$2,504$1,791$960
28 years$6,062$4,455$3,220$2,295$1,616$842
29 years$5,790$4,203$2,997$2,104$1,459$738
30 years$5,537$3,969$2,791$1,931$1,319$648
31 years$5,300$3,752$2,602$1,774$1,192$569
32 years$5,079$3,550$2,428$1,630$1,078$500
33 years$4,871$3,362$2,267$1,499$976$439
34 years$4,676$3,187$2,118$1,379$884$386
35 years$4,493$3,023$1,980$1,270$800$339
36 years$4,320$2,869$1,852$1,169$725$298
37 years$4,157$2,725$1,734$1,077$657$262
38 years$4,003$2,589$1,624$993$596$230
39 years$3,857$2,462$1,521$916$540$203
40 years$3,719$2,343$1,426$844$490$178
41 years$3,588$2,230$1,337$779$445$157
42 years$3,463$2,124$1,254$719$403$138
43 years$3,345$2,024$1,177$664$366$121
44 years$3,232$1,929$1,105$613$332$107
45 years$3,124$1,839$1,037$566$302$94
46 years$3,022$1,755$974$523$274$83
47 years$2,924$1,674$915$483$249$73
48 years$2,831$1,599$860$446$226$64
49 years$2,741$1,526$808$412$205$56
50 years$2,656$1,458$760$381$186$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,720,000, adding $2,026 every year, while hoping to spend $47,442 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: 79/6/15 Blend
34$2,720,000$2,720,000$2,720,000$2,720,000
35$2,999,530$2,855,370$2,813,210$3,226,980
36$3,255,004$2,944,805$2,856,974$3,466,459
37$3,534,946$3,037,032$2,900,615$3,722,883
38$3,841,803$3,132,139$2,944,078$4,002,895
39$4,178,267$3,230,214$2,987,304$4,308,837
40$4,547,305$3,331,349$3,030,234$4,643,290
41$4,952,185$3,435,640$3,072,802$5,009,093
42$5,396,506$3,543,185$3,114,939$5,409,375
43$5,884,232$3,654,084$3,156,572$5,847,584
44$6,419,731$3,768,441$3,197,624$6,327,515
45$7,007,814$3,886,364$3,238,014$6,853,352
46$7,653,778$4,007,964$3,277,655$7,429,701
47$8,363,463$4,133,353$3,316,456$8,061,637
48$9,143,298$4,262,650$3,354,320$8,754,752
49$10,000,371$4,395,976$3,391,145$9,515,207
50$10,942,485$4,533,455$3,426,825$10,349,787
51$11,978,239$4,675,215$3,461,245$11,265,970
52$13,117,109$4,821,390$3,494,286$12,271,995
53$14,369,533$4,972,116$3,525,823$13,376,936
54$15,747,009$5,127,534$3,555,722$14,590,795
55$17,262,209$5,287,788$3,583,844$15,924,590
56$18,929,093$5,453,029$3,610,041$17,390,461
57$20,763,043$5,623,409$3,634,160$19,001,785
58$22,781,005$5,799,089$3,656,037$20,773,302
59$25,001,654$5,980,231$3,675,500$22,721,252
60$27,445,565$6,167,004$3,692,371$24,863,530
61$30,135,407$6,359,582$3,706,460$27,219,854
62$33,096,160$6,558,143$3,717,569$29,811,952
63$36,355,349$6,762,873$3,725,488$32,663,765
64$39,943,302$6,973,961$3,729,999$35,801,675
65$43,893,437$7,191,602$3,730,872$39,254,753
66$48,242,577$7,416,000$3,727,865$43,055,031
67$53,031,297$7,647,362$3,720,726$47,237,807
68$58,304,308$7,885,902$3,709,189$51,841,979
69$64,110,877$8,131,840$3,692,976$56,910,407
70$70,505,291$8,385,404$3,671,795$62,490,323
71$77,547,371$8,646,829$3,645,341$68,633,774
72$85,303,035$8,916,356$3,613,292$75,398,113
73$93,844,920$9,194,233$3,575,313$82,846,539
74$103,253,068$9,480,717$3,531,052$91,048,698
75$113,615,681$9,776,072$3,480,142$100,081,336
76$125,029,950$10,080,569$3,422,197$110,029,025
77$137,602,977$10,394,489$3,356,812$120,984,959
78$151,452,782$10,718,121$3,283,567$133,051,839
79$166,709,417$11,051,760$3,202,018$146,342,836
80$183,516,196$11,395,714$3,111,703$160,982,663
81$202,031,042$11,750,298$3,012,139$177,108,751
82$222,427,982$12,115,837$2,902,820$194,872,547
83$244,898,788$12,492,665$2,783,217$214,440,944
84$269,654,786$12,881,127$2,652,776$235,997,854
85$296,928,849$13,281,578$2,510,919$259,745,945
86$326,977,600$13,694,382$2,357,043$285,908,557
87$360,083,826$14,119,918$2,190,514$314,731,806
88$396,559,154$14,558,572$2,010,675$346,486,911
89$436,746,989$15,010,743$1,816,834$381,472,752
90$481,025,756$15,476,844$1,608,271$420,018,693
91$529,812,469$15,957,296$1,384,235$462,487,691
92$583,566,674$16,452,536$1,143,939$509,279,720
93$642,794,777$16,963,012$886,564$560,835,551
94$708,054,832$17,489,188$611,252$617,640,912
95$779,961,805$18,031,538$317,109$680,231,071
96$859,193,379$18,590,553$3,202$749,195,893
97$946,496,350$19,166,737$0$825,185,406
98$1,042,693,680$19,760,609$0$908,969,042
99$1,148,692,261$20,372,705$0$1,001,287,088
100$1,265,491,477$21,003,573$0$1,103,009,111