Can I retire at age 35 with 2,750,000?

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 $2,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$227,092$225,070$223,096$221,170$219,289$214,162
2 years$112,422$110,328$108,299$106,332$104,423$99,287
3 years$74,204$72,101$70,077$68,128$66,250$61,265
4 years$55,098$53,002$50,998$49,082$47,250$42,455
5 years$43,638$41,554$39,576$37,700$35,919$31,326
6 years$36,000$33,932$31,984$30,149$28,421$24,037
7 years$30,547$28,496$26,579$24,787$23,114$18,938
8 years$26,458$24,426$22,541$20,793$19,175$15,206
9 years$23,280$21,268$19,414$17,711$16,149$12,383
10 years$20,740$18,746$16,926$15,267$13,759$10,193
11 years$18,662$16,689$14,901$13,287$11,834$8,462
12 years$16,932$14,979$13,224$11,655$10,255$7,072
13 years$15,469$13,537$11,815$10,289$8,942$5,943
14 years$14,216$12,304$10,616$9,134$7,839$5,016
15 years$13,132$11,240$9,585$8,146$6,902$4,249
16 years$12,184$10,313$8,690$7,293$6,100$3,611
17 years$11,348$9,498$7,908$6,553$5,409$3,076
18 years$10,606$8,776$7,219$5,906$4,809$2,626
19 years$9,943$8,134$6,608$5,336$4,286$2,246
20 years$9,346$7,558$6,065$4,833$3,829$1,924
21 years$8,808$7,040$5,578$4,386$3,426$1,650
22 years$8,319$6,572$5,141$3,988$3,071$1,417
23 years$7,873$6,146$4,747$3,632$2,757$1,217
24 years$7,465$5,759$4,390$3,313$2,478$1,047
25 years$7,090$5,404$4,066$3,025$2,230$901
26 years$6,744$5,079$3,771$2,766$2,008$776
27 years$6,425$4,780$3,502$2,532$1,811$669
28 years$6,129$4,504$3,256$2,320$1,634$576
29 years$5,854$4,249$3,030$2,127$1,475$497
30 years$5,598$4,013$2,822$1,952$1,333$429
31 years$5,359$3,794$2,631$1,793$1,205$370
32 years$5,135$3,590$2,455$1,648$1,090$319
33 years$4,925$3,399$2,292$1,515$987$276
34 years$4,728$3,222$2,141$1,394$893$238
35 years$4,542$3,056$2,002$1,284$809$205
36 years$4,368$2,900$1,873$1,182$733$177
37 years$4,203$2,755$1,753$1,089$664$153
38 years$4,047$2,618$1,642$1,004$602$132
39 years$3,899$2,489$1,538$926$546$114
40 years$3,760$2,369$1,442$854$495$99
41 years$3,627$2,255$1,352$788$449$85
42 years$3,501$2,147$1,268$727$408$74
43 years$3,381$2,046$1,190$671$370$64
44 years$3,267$1,950$1,117$620$336$55
45 years$3,159$1,860$1,049$572$305$48
46 years$3,055$1,774$985$529$277$41
47 years$2,956$1,693$925$488$251$36
48 years$2,862$1,616$870$451$228$31
49 years$2,771$1,543$817$417$207$27
50 years$2,685$1,474$768$385$188$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,750,000, adding $2,736 every year, while hoping to spend $35,271 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: 74/19/7 Blend
34$2,750,000$2,750,000$2,750,000$2,750,000
35$3,033,322$2,887,572$2,844,947$3,254,707
36$3,305,193$2,991,535$2,902,725$3,504,829
37$3,603,612$3,099,410$2,961,256$3,774,022
38$3,931,251$3,211,352$3,020,528$4,067,911
39$4,291,052$3,327,521$3,080,529$4,388,925
40$4,686,254$3,448,084$3,141,242$4,739,739
41$5,120,429$3,573,217$3,202,650$5,123,300
42$5,597,509$3,703,102$3,264,736$5,542,848
43$6,121,828$3,837,926$3,327,477$6,001,955
44$6,698,158$3,977,888$3,390,851$6,504,549
45$7,331,759$4,123,194$3,454,834$7,054,960
46$8,028,425$4,274,056$3,519,397$7,657,952
47$8,794,538$4,430,699$3,584,511$8,318,774
48$9,637,132$4,593,355$3,650,143$9,043,204
49$10,563,956$4,762,266$3,716,259$9,837,609
50$11,583,547$4,937,684$3,782,821$10,708,997
51$12,705,311$5,119,872$3,849,787$11,665,088
52$13,939,612$5,309,106$3,917,115$12,714,388
53$15,297,871$5,505,670$3,984,757$13,866,260
54$16,792,669$5,709,863$4,052,661$15,131,023
55$18,437,871$5,921,996$4,120,775$16,520,040
56$20,248,752$6,142,392$4,189,039$18,045,829
57$22,242,145$6,371,390$4,257,392$19,722,179
58$24,436,597$6,609,341$4,325,768$21,564,281
59$26,852,544$6,856,613$4,394,095$23,588,868
60$29,512,505$7,113,588$4,462,299$25,814,375
61$32,441,293$7,380,668$4,530,299$28,261,112
62$35,666,252$7,658,267$4,598,011$30,951,451
63$39,217,508$7,946,820$4,665,343$33,910,043
64$43,128,262$8,246,782$4,732,200$37,164,045
65$47,435,095$8,558,625$4,798,479$40,743,375
66$52,178,319$8,882,842$4,864,072$44,680,998
67$57,402,355$9,219,949$4,928,866$49,013,232
68$63,156,151$9,570,482$4,992,739$53,780,092
69$69,493,644$9,935,002$5,055,562$59,025,667
70$76,474,272$10,314,093$5,117,199$64,798,532
71$84,163,532$10,708,367$5,177,509$71,152,210
72$92,633,595$11,118,460$5,236,339$78,145,674
73$101,963,994$11,545,038$5,293,529$85,843,901
74$112,242,370$11,988,793$5,348,910$94,318,487
75$123,565,299$12,450,451$5,402,306$103,648,320
76$136,039,204$12,930,768$5,453,528$113,920,323
77$149,781,360$13,430,532$5,502,378$125,230,275
78$164,921,000$13,950,570$5,548,649$137,683,712
79$181,600,534$14,491,740$5,592,121$151,396,923
80$199,976,895$15,054,942$5,632,564$166,498,047
81$220,223,018$15,641,113$5,669,734$183,128,277
82$242,529,473$16,251,234$5,703,377$201,443,197
83$267,106,262$16,886,328$5,733,223$221,614,246
84$294,184,806$17,547,463$5,758,991$243,830,335
85$324,020,122$18,235,755$5,780,384$268,299,626
86$356,893,238$18,952,371$5,797,090$295,251,503
87$393,113,838$19,698,527$5,808,782$324,938,726
88$433,023,191$20,475,495$5,815,117$357,639,821
89$476,997,367$21,284,605$5,815,734$393,661,707
90$525,450,792$22,127,245$5,810,255$433,342,589
91$578,840,157$23,004,863$5,798,282$477,055,150
92$637,668,728$23,918,977$5,779,400$525,210,067
93$702,491,100$24,871,169$5,753,173$578,259,884
94$773,918,430$25,863,094$5,719,141$636,703,285
95$852,624,204$26,896,480$5,676,827$701,089,795
96$939,350,599$27,973,133$5,625,726$772,024,968
97$1,034,915,486$29,094,943$5,565,314$850,176,102
98$1,140,220,152$30,263,882$5,495,039$936,278,531
99$1,256,257,808$31,482,012$5,414,323$1,031,142,570
100$1,384,122,963$32,751,490$5,322,561$1,135,661,154