Can I retire at age 35 with 2,730,000?

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 $2,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$225,441$223,433$221,474$219,561$217,694$210,473
2 years$111,604$109,526$107,511$105,558$103,664$96,459
3 years$73,664$71,576$69,567$67,632$65,769$58,806
4 years$54,697$52,616$50,627$48,725$46,907$40,239
5 years$43,320$41,252$39,289$37,426$35,658$29,304
6 years$35,738$33,685$31,751$29,930$28,215$22,179
7 years$30,324$28,289$26,385$24,607$22,946$17,228
8 years$26,266$24,249$22,377$20,642$19,036$13,631
9 years$23,111$21,113$19,273$17,582$16,031$10,933
10 years$20,589$18,610$16,803$15,156$13,659$8,861
11 years$18,526$16,567$14,793$13,190$11,747$7,238
12 years$16,809$14,870$13,128$11,570$10,180$5,951
13 years$15,357$13,438$11,729$10,214$8,877$4,917
14 years$14,113$12,215$10,539$9,067$7,782$4,079
15 years$13,036$11,158$9,515$8,086$6,852$3,395
16 years$12,095$10,238$8,627$7,240$6,056$2,834
17 years$11,265$9,429$7,850$6,505$5,369$2,371
18 years$10,529$8,712$7,166$5,863$4,774$1,987
19 years$9,870$8,075$6,560$5,297$4,255$1,667
20 years$9,278$7,503$6,021$4,798$3,801$1,401
21 years$8,744$6,989$5,538$4,354$3,401$1,179
22 years$8,258$6,524$5,104$3,959$3,049$993
23 years$7,816$6,102$4,713$3,606$2,737$836
24 years$7,410$5,717$4,358$3,289$2,460$705
25 years$7,038$5,365$4,037$3,003$2,214$595
26 years$6,695$5,042$3,744$2,746$1,994$502
27 years$6,378$4,745$3,477$2,514$1,798$424
28 years$6,085$4,472$3,232$2,303$1,622$358
29 years$5,811$4,218$3,008$2,112$1,465$303
30 years$5,557$3,984$2,801$1,938$1,323$256
31 years$5,320$3,766$2,612$1,780$1,196$216
32 years$5,097$3,563$2,437$1,636$1,082$183
33 years$4,889$3,375$2,275$1,504$979$154
34 years$4,693$3,198$2,126$1,384$887$131
35 years$4,509$3,034$1,987$1,274$803$110
36 years$4,336$2,879$1,859$1,173$728$93
37 years$4,172$2,735$1,740$1,081$660$79
38 years$4,017$2,599$1,630$997$598$67
39 years$3,871$2,471$1,527$919$542$56
40 years$3,732$2,351$1,431$848$492$48
41 years$3,601$2,238$1,342$782$446$40
42 years$3,476$2,132$1,259$722$405$34
43 years$3,357$2,031$1,181$666$367$29
44 years$3,244$1,936$1,109$615$334$24
45 years$3,136$1,846$1,041$568$303$21
46 years$3,033$1,761$978$525$275$18
47 years$2,935$1,681$919$485$250$15
48 years$2,841$1,604$863$448$227$13
49 years$2,751$1,532$811$414$206$11
50 years$2,665$1,464$763$383$187$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,730,000, adding $2,887 every year, while hoping to spend $22,961 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: 51/41/8 Blend
34$2,730,000$2,730,000$2,730,000$2,730,000
35$3,011,438$2,866,748$2,824,433$3,158,749
36$3,294,174$2,982,788$2,894,621$3,375,414
37$3,604,980$3,103,745$2,966,391$3,608,107
38$3,946,694$3,229,835$3,039,771$3,860,513
39$4,322,445$3,361,284$3,114,791$4,134,491
40$4,735,677$3,498,330$3,191,480$4,432,082
41$5,190,188$3,641,220$3,269,866$4,755,528
42$5,690,160$3,790,213$3,349,980$5,107,294
43$6,240,203$3,945,579$3,431,850$5,490,089
44$6,845,393$4,107,603$3,515,507$5,906,891
45$7,511,327$4,276,579$3,600,980$6,360,975
46$8,244,169$4,452,818$3,688,300$6,855,940
47$9,050,711$4,636,643$3,777,495$7,395,748
48$9,938,438$4,828,393$3,868,595$7,984,751
49$10,915,597$5,028,422$3,961,631$8,627,740
50$11,991,274$5,237,101$4,056,632$9,329,984
51$13,175,483$5,454,818$4,153,628$10,097,279
52$14,479,255$5,681,977$4,252,647$10,936,002
53$15,914,748$5,919,003$4,353,720$11,853,172
54$17,495,357$6,166,339$4,456,875$12,856,509
55$19,235,844$6,424,450$4,562,140$13,954,512
56$21,152,473$6,693,821$4,669,545$15,156,534
57$23,263,168$6,974,960$4,779,117$16,472,868
58$25,587,677$7,268,399$4,890,883$17,914,845
59$28,147,763$7,574,694$5,004,871$19,494,938
60$30,967,408$7,894,427$5,121,108$21,226,876
61$34,073,037$8,228,208$5,239,618$23,125,777
62$37,493,769$8,576,672$5,360,427$25,208,281
63$41,261,692$8,940,487$5,483,560$27,492,712
64$45,412,165$9,320,352$5,609,040$29,999,245
65$49,984,152$9,716,996$5,736,889$32,750,093
66$55,020,591$10,131,183$5,867,130$35,769,720
67$60,568,795$10,563,715$5,999,783$39,085,063
68$66,680,903$11,015,428$6,134,867$42,725,787
69$73,414,370$11,487,199$6,272,399$46,724,560
70$80,832,509$11,979,945$6,412,398$51,117,363
71$89,005,089$12,494,627$6,554,878$55,943,822
72$98,008,994$13,032,249$6,699,852$61,247,579
73$107,928,947$13,593,865$6,847,332$67,076,706
74$118,858,311$14,180,575$6,997,329$73,484,148
75$130,899,969$14,793,534$7,149,850$80,528,225
76$144,167,296$15,433,948$7,304,901$88,273,177
77$158,785,230$16,103,081$7,462,485$96,789,764
78$174,891,449$16,802,257$7,622,604$106,155,934
79$192,637,671$17,532,862$7,785,255$116,457,551
80$212,191,088$18,296,347$7,950,435$127,789,205
81$233,735,941$19,094,230$8,118,137$140,255,095
82$257,475,262$19,928,102$8,288,349$153,970,014
83$283,632,788$20,799,629$8,461,059$169,060,421
84$312,455,076$21,710,554$8,636,248$185,665,636
85$344,213,828$22,662,705$8,813,896$203,939,143
86$379,208,455$23,657,994$8,993,978$224,050,039
87$417,768,905$24,698,424$9,176,464$246,184,621
88$460,258,779$25,786,092$9,361,321$270,548,139
89$507,078,759$26,923,196$9,548,511$297,366,727
90$558,670,396$28,112,035$9,737,989$326,889,530
91$615,520,272$29,355,020$9,929,707$359,391,051
92$678,164,598$30,654,675$10,123,610$395,173,733
93$747,194,275$32,013,642$10,319,639$434,570,805
94$823,260,471$33,434,691$10,517,728$477,949,422
95$907,080,769$34,920,721$10,717,802$525,714,123
96$999,445,941$36,474,770$10,919,782$578,310,636
97$1,101,227,413$38,100,019$11,123,580$636,230,083
98$1,213,385,492$39,799,803$11,329,103$700,013,601
99$1,336,978,431$41,577,612$11,536,246$770,257,442
100$1,473,172,419$43,437,103$11,744,899$847,618,593