Can I retire at age 35 with 2,770,000?

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 $2,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$228,744$226,706$224,719$222,778$220,884$217,493
2 years$113,240$111,131$109,087$107,105$105,183$101,775
3 years$74,743$72,625$70,586$68,623$66,732$63,413
4 years$55,499$53,387$51,369$49,439$47,594$44,390
5 years$43,955$41,856$39,864$37,974$36,180$33,099
6 years$36,262$34,179$32,216$30,368$28,628$25,675
7 years$30,769$28,703$26,772$24,967$23,282$20,457
8 years$26,651$24,604$22,705$20,944$19,315$16,618
9 years$23,450$21,422$19,556$17,840$16,266$13,695
10 years$20,890$18,883$17,049$15,378$13,859$11,413
11 years$18,798$16,810$15,010$13,384$11,920$9,595
12 years$17,055$15,088$13,321$11,739$10,329$8,124
13 years$15,582$13,635$11,901$10,364$9,007$6,917
14 years$14,320$12,394$10,693$9,200$7,896$5,918
15 years$13,227$11,322$9,655$8,205$6,952$5,084
16 years$12,272$10,388$8,753$7,347$6,144$4,381
17 years$11,430$9,567$7,965$6,601$5,448$3,786
18 years$10,683$8,840$7,271$5,949$4,844$3,280
19 years$10,015$8,193$6,656$5,375$4,318$2,847
20 years$9,414$7,613$6,109$4,868$3,857$2,475
21 years$8,872$7,091$5,619$4,418$3,451$2,155
22 years$8,379$6,620$5,179$4,017$3,093$1,879
23 years$7,930$6,191$4,782$3,659$2,777$1,640
24 years$7,519$5,801$4,422$3,337$2,496$1,433
25 years$7,141$5,444$4,096$3,047$2,246$1,253
26 years$6,794$5,116$3,799$2,786$2,023$1,097
27 years$6,472$4,815$3,527$2,550$1,824$960
28 years$6,174$4,537$3,279$2,337$1,646$841
29 years$5,897$4,280$3,052$2,143$1,486$737
30 years$5,639$4,042$2,842$1,967$1,343$647
31 years$5,398$3,821$2,650$1,806$1,214$567
32 years$5,172$3,616$2,472$1,660$1,098$498
33 years$4,961$3,424$2,309$1,526$994$437
34 years$4,762$3,245$2,157$1,404$900$384
35 years$4,575$3,078$2,017$1,293$815$337
36 years$4,399$2,922$1,886$1,191$738$296
37 years$4,233$2,775$1,766$1,097$669$260
38 years$4,076$2,637$1,654$1,011$607$228
39 years$3,928$2,508$1,549$932$550$201
40 years$3,787$2,386$1,452$860$499$176
41 years$3,653$2,271$1,362$793$453$155
42 years$3,527$2,163$1,277$732$411$136
43 years$3,406$2,061$1,198$676$373$120
44 years$3,291$1,964$1,125$624$338$105
45 years$3,182$1,873$1,056$576$307$93
46 years$3,077$1,787$992$532$279$81
47 years$2,978$1,705$932$492$253$72
48 years$2,883$1,628$876$455$230$63
49 years$2,792$1,555$823$420$209$55
50 years$2,704$1,485$774$388$190$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,770,000, adding $2,738 every year, while hoping to spend $22,300 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: 70/13/17 Blend
34$2,770,000$2,770,000$2,770,000$2,770,000
35$3,055,364$2,908,554$2,865,619$3,256,787
36$3,343,284$3,027,346$2,937,890$3,510,002
37$3,659,825$3,151,212$3,011,835$3,784,127
38$4,007,882$3,280,376$3,087,486$4,083,588
39$4,390,645$3,415,074$3,164,877$4,410,884
40$4,811,630$3,555,551$3,244,039$4,768,765
41$5,274,709$3,702,067$3,325,007$5,160,261
42$5,784,150$3,854,888$3,407,815$5,588,706
43$6,344,653$4,014,297$3,492,497$6,057,770
44$6,961,399$4,180,589$3,579,087$6,571,496
45$7,640,095$4,354,072$3,667,620$7,134,335
46$8,387,030$4,535,067$3,758,131$7,751,188
47$9,209,134$4,723,911$3,850,654$8,427,452
48$10,114,040$4,920,958$3,945,226$9,169,072
49$11,110,163$5,126,575$4,041,882$9,982,593
50$12,206,772$5,341,150$4,140,657$10,875,226
51$13,414,081$5,565,084$4,241,587$11,854,912
52$14,743,345$5,798,802$4,344,709$12,930,395
53$16,206,967$6,042,743$4,450,057$14,111,311
54$17,818,612$6,297,372$4,557,668$15,408,270
55$19,593,338$6,563,171$4,667,578$16,832,961
56$21,547,739$6,840,647$4,779,823$18,398,259
57$23,700,100$7,130,330$4,894,438$20,118,347
58$26,070,567$7,432,774$5,011,459$22,008,849
59$28,681,344$7,748,559$5,130,922$24,086,979
60$31,556,895$8,078,291$5,252,861$26,371,695
61$34,724,178$8,422,608$5,377,312$28,883,889
62$38,212,902$8,782,173$5,504,309$31,646,572
63$42,055,801$9,157,683$5,633,887$34,685,099
64$46,288,949$9,549,866$5,766,079$38,027,401
65$50,952,098$9,959,485$5,900,918$41,704,253
66$56,089,050$10,387,338$6,038,437$45,749,559
67$61,748,076$10,834,261$6,178,668$50,200,675
68$67,982,368$11,301,128$6,321,642$55,098,757
69$74,850,542$11,788,855$6,467,389$60,489,153
70$82,417,189$12,298,401$6,615,938$66,421,825
71$90,753,489$12,830,770$6,767,319$72,951,821
72$99,937,879$13,387,011$6,921,558$80,139,798
73$110,056,794$13,968,226$7,078,681$88,052,585
74$121,205,483$14,575,565$7,238,714$96,763,821
75$133,488,910$15,210,236$7,401,678$106,354,641
76$147,022,741$15,873,500$7,567,597$116,914,448
77$161,934,439$16,566,679$7,736,490$128,541,750
78$178,364,465$17,291,159$7,908,375$141,345,091
79$196,467,603$18,048,389$8,083,269$155,444,073
80$216,414,426$18,839,887$8,261,185$170,970,484
81$238,392,899$19,667,243$8,442,136$188,069,541
82$262,610,158$20,532,122$8,626,132$206,901,257
83$289,294,466$21,436,267$8,813,178$227,641,953
84$318,697,361$22,381,505$9,003,280$250,485,917
85$351,096,041$23,369,747$9,196,438$275,647,238
86$386,795,969$24,402,997$9,392,651$303,361,826
87$426,133,766$25,483,352$9,591,914$333,889,634
88$469,480,384$26,613,010$9,794,216$367,517,114
89$517,244,607$27,794,271$9,999,547$404,559,913
90$569,876,914$29,029,548$10,207,888$445,365,856
91$627,873,727$30,321,363$10,419,220$490,318,225
92$691,782,100$31,672,362$10,633,517$539,839,374
93$762,204,882$33,085,316$10,850,747$594,394,714
94$839,806,410$34,563,126$11,070,877$654,497,102
95$925,318,777$36,108,833$11,293,865$720,711,685
96$1,019,548,748$37,725,621$11,519,665$793,661,227
97$1,123,385,370$39,416,827$11,748,224$874,031,985
98$1,237,808,372$41,185,945$11,979,483$962,580,187
99$1,363,897,406$43,036,637$12,213,377$1,060,139,168
100$1,502,842,249$44,972,740$12,449,832$1,167,627,230