Can I retire at age 35 with 2,760,000?

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 $2,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$227,918$225,888$223,907$221,974$220,086$218,883
2 years$112,831$110,729$108,693$106,718$104,803$103,589
3 years$74,473$72,363$70,331$68,375$66,491$65,304
4 years$55,298$53,194$51,183$49,261$47,422$46,270
5 years$43,796$41,705$39,720$37,837$36,050$34,937
6 years$36,131$34,055$32,100$30,258$28,525$27,453
7 years$30,658$28,600$26,675$24,877$23,198$22,168
8 years$26,555$24,515$22,623$20,869$19,245$18,256
9 years$23,365$21,345$19,485$17,776$16,207$15,259
10 years$20,815$18,814$16,987$15,323$13,809$12,902
11 years$18,730$16,749$14,955$13,335$11,877$11,009
12 years$16,993$15,033$13,273$11,697$10,292$9,463
13 years$15,525$13,586$11,858$10,327$8,975$8,185
14 years$14,268$12,349$10,655$9,167$7,867$7,115
15 years$13,179$11,281$9,620$8,175$6,927$6,211
16 years$12,228$10,350$8,722$7,320$6,122$5,442
17 years$11,389$9,532$7,936$6,577$5,428$4,782
18 years$10,644$8,808$7,245$5,927$4,827$4,214
19 years$9,979$8,163$6,632$5,356$4,302$3,722
20 years$9,380$7,586$6,087$4,851$3,843$3,294
21 years$8,840$7,066$5,599$4,402$3,439$2,920
22 years$8,349$6,596$5,160$4,003$3,082$2,592
23 years$7,901$6,169$4,764$3,645$2,767$2,305
24 years$7,492$5,780$4,406$3,325$2,487$2,051
25 years$7,116$5,424$4,081$3,036$2,238$1,828
26 years$6,769$5,098$3,785$2,776$2,016$1,630
27 years$6,449$4,798$3,515$2,541$1,817$1,455
28 years$6,151$4,521$3,267$2,328$1,640$1,299
29 years$5,875$4,265$3,041$2,135$1,481$1,161
30 years$5,618$4,028$2,832$1,959$1,338$1,038
31 years$5,378$3,807$2,640$1,800$1,210$929
32 years$5,153$3,603$2,464$1,654$1,094$831
33 years$4,943$3,412$2,300$1,521$990$744
34 years$4,745$3,234$2,149$1,399$897$667
35 years$4,559$3,067$2,009$1,288$812$597
36 years$4,384$2,911$1,880$1,186$736$536
37 years$4,218$2,765$1,759$1,093$667$480
38 years$4,062$2,628$1,648$1,008$605$430
39 years$3,914$2,499$1,544$929$548$386
40 years$3,773$2,377$1,447$857$497$346
41 years$3,640$2,263$1,357$791$451$311
42 years$3,514$2,155$1,273$730$409$279
43 years$3,394$2,053$1,194$673$372$250
44 years$3,279$1,957$1,121$622$337$225
45 years$3,170$1,866$1,052$574$306$202
46 years$3,066$1,780$989$530$278$181
47 years$2,967$1,699$929$490$252$163
48 years$2,872$1,622$873$453$229$146
49 years$2,782$1,549$820$419$208$131
50 years$2,695$1,480$771$387$189$118

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,760,000, adding $3,514 every year, while hoping to spend $33,777 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: 49/29/22 Blend
34$2,760,000$2,760,000$2,760,000$2,760,000
35$3,045,145$2,898,865$2,856,085$3,175,309
36$3,319,811$3,004,971$2,915,825$3,372,317
37$3,621,361$3,115,144$2,976,435$3,582,525
38$3,952,502$3,229,547$3,037,907$3,810,198
39$4,316,214$3,348,352$3,100,234$4,056,994
40$4,715,783$3,471,737$3,163,407$4,324,741
41$5,154,826$3,599,885$3,227,414$4,615,444
42$5,637,329$3,732,990$3,292,244$4,931,313
43$6,167,685$3,871,255$3,357,882$5,274,778
44$6,750,730$4,014,887$3,424,312$5,648,510
45$7,391,794$4,164,107$3,491,516$6,055,450
46$8,096,751$4,319,142$3,559,476$6,498,835
47$8,872,070$4,480,230$3,628,168$6,982,225
48$9,724,878$4,647,619$3,697,570$7,509,540
49$10,663,031$4,821,567$3,767,653$8,085,093
50$11,695,181$5,002,345$3,838,391$8,713,632
51$12,830,863$5,190,233$3,909,750$9,400,386
52$14,080,582$5,385,526$3,981,698$10,151,106
53$15,455,913$5,588,528$4,054,196$10,972,130
54$16,969,609$5,799,559$4,127,205$11,870,430
55$18,635,724$6,018,952$4,200,681$12,853,689
56$20,469,742$6,247,055$4,274,578$13,930,361
57$22,488,725$6,484,230$4,348,846$15,109,759
58$24,711,473$6,730,855$4,423,430$16,402,138
59$27,158,702$6,987,325$4,498,273$17,818,791
60$29,853,237$7,254,052$4,573,313$19,372,154
61$32,820,232$7,531,465$4,648,484$21,075,926
62$36,087,402$7,820,014$4,723,715$22,945,193
63$39,685,289$8,120,166$4,798,930$24,996,572
64$43,647,544$8,432,410$4,874,050$27,248,366
65$48,011,251$8,757,256$4,948,989$29,720,734
66$52,817,274$9,095,237$5,023,655$32,435,883
67$58,110,641$9,446,908$5,097,953$35,418,276
68$63,940,970$9,812,850$5,171,778$38,694,858
69$70,362,939$10,193,670$5,245,022$42,295,314
70$77,436,798$10,589,999$5,317,570$46,252,344
71$85,228,942$11,002,499$5,389,299$50,601,974
72$93,812,532$11,431,860$5,460,078$55,383,889
73$103,268,191$11,878,801$5,529,771$60,641,814
74$113,684,760$12,344,077$5,598,233$66,423,916
75$125,160,141$12,828,472$5,665,309$72,783,264
76$137,802,216$13,332,807$5,730,837$79,778,326
77$151,729,869$13,857,942$5,794,647$87,473,520
78$167,074,104$14,404,770$5,856,557$95,939,816
79$183,979,287$14,974,228$5,916,376$105,255,411
80$202,604,503$15,567,294$5,973,903$115,506,459
81$223,125,060$16,184,989$6,028,926$126,787,886
82$245,734,143$16,828,380$6,081,222$139,204,282
83$270,644,638$17,498,582$6,130,555$152,870,888
84$298,091,139$18,196,762$6,176,677$167,914,678
85$328,332,168$18,924,136$6,219,329$184,475,559
86$361,652,607$19,681,976$6,258,234$202,707,689
87$398,366,394$20,471,614$6,293,105$222,780,925
88$438,819,481$21,294,438$6,323,639$244,882,431
89$483,393,104$22,151,901$6,349,517$269,218,435
90$532,507,379$23,045,522$6,370,404$296,016,178
91$586,625,267$23,976,889$6,385,949$325,526,053
92$646,256,947$24,947,659$6,395,781$358,023,968
93$711,964,630$25,959,569$6,399,514$393,813,944
94$784,367,865$27,014,430$6,396,740$433,230,986
95$864,149,389$28,114,139$6,387,032$476,644,238
96$952,061,572$29,260,678$6,369,944$524,460,467
97$1,048,933,520$30,456,119$6,345,005$577,127,897
98$1,155,678,900$31,702,629$6,311,723$635,140,438
99$1,273,304,564$33,002,474$6,269,582$699,042,342
100$1,402,920,058$34,358,024$6,218,042$769,433,342