Can I retire at age 35 with 2,780,000?

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 $2,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$229,570$227,525$225,530$223,583$221,681$217,829
2 years$113,648$111,532$109,481$107,492$105,562$101,694
3 years$75,013$72,887$70,841$68,871$66,973$63,209
4 years$55,699$53,580$51,554$49,618$47,766$44,135
5 years$44,114$42,007$40,008$38,111$36,311$32,824
6 years$36,393$34,302$32,333$30,478$28,732$25,392
7 years$30,880$28,807$26,869$25,057$23,366$20,175
8 years$26,747$24,693$22,787$21,020$19,385$16,341
9 years$23,534$21,500$19,626$17,904$16,325$13,427
10 years$20,966$18,951$17,110$15,434$13,909$11,156
11 years$18,866$16,871$15,064$13,432$11,963$9,349
12 years$17,117$15,142$13,369$11,782$10,367$7,890
13 years$15,638$13,684$11,944$10,401$9,040$6,697
14 years$14,372$12,439$10,732$9,233$7,924$5,710
15 years$13,275$11,363$9,689$8,234$6,977$4,888
16 years$12,316$10,425$8,785$7,373$6,166$4,198
17 years$11,472$9,601$7,994$6,625$5,468$3,615
18 years$10,721$8,872$7,297$5,970$4,862$3,120
19 years$10,051$8,222$6,680$5,395$4,333$2,698
20 years$9,448$7,641$6,131$4,886$3,870$2,337
21 years$8,904$7,117$5,639$4,434$3,464$2,028
22 years$8,409$6,643$5,197$4,032$3,105$1,761
23 years$7,959$6,213$4,799$3,672$2,787$1,531
24 years$7,546$5,822$4,438$3,349$2,505$1,333
25 years$7,167$5,463$4,111$3,058$2,254$1,161
26 years$6,818$5,135$3,812$2,796$2,030$1,012
27 years$6,495$4,832$3,540$2,560$1,831$882
28 years$6,196$4,553$3,291$2,345$1,652$770
29 years$5,918$4,296$3,063$2,151$1,491$672
30 years$5,659$4,057$2,853$1,974$1,348$587
31 years$5,417$3,835$2,659$1,813$1,218$513
32 years$5,191$3,629$2,481$1,666$1,102$448
33 years$4,979$3,436$2,317$1,532$997$392
34 years$4,779$3,257$2,165$1,409$903$342
35 years$4,592$3,089$2,024$1,298$818$299
36 years$4,415$2,932$1,893$1,195$741$262
37 years$4,249$2,785$1,772$1,101$672$229
38 years$4,091$2,647$1,659$1,015$609$200
39 years$3,942$2,517$1,555$936$552$175
40 years$3,801$2,394$1,457$863$501$153
41 years$3,667$2,279$1,366$796$454$134
42 years$3,539$2,171$1,282$735$412$118
43 years$3,418$2,068$1,203$678$374$103
44 years$3,303$1,971$1,129$626$340$90
45 years$3,193$1,880$1,060$578$308$79
46 years$3,088$1,793$996$534$280$69
47 years$2,989$1,711$935$494$254$60
48 years$2,893$1,634$879$456$231$53
49 years$2,802$1,560$826$422$210$46
50 years$2,714$1,490$777$390$190$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,780,000, adding $3,009 every year, while hoping to spend $51,984 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: 85/10/5 Blend
34$2,780,000$2,780,000$2,780,000$2,780,000
35$3,066,664$2,919,324$2,876,234$3,327,121
36$3,324,153$3,007,060$2,917,277$3,585,084
37$3,606,164$3,097,353$2,957,953$3,860,980
38$3,915,142$3,190,273$2,998,194$4,162,394
39$4,253,783$3,285,893$3,037,930$4,491,856
40$4,625,053$3,384,286$3,077,085$4,852,148
41$5,032,220$3,485,527$3,115,579$5,246,334
42$5,478,884$3,589,695$3,153,328$5,677,792
43$5,969,008$3,696,869$3,190,243$6,150,237
44$6,506,961$3,807,129$3,226,230$6,667,765
45$7,097,552$3,920,559$3,261,189$7,234,885
46$7,746,079$4,037,244$3,295,016$7,856,564
47$8,458,381$4,157,271$3,327,601$8,538,274
48$9,240,887$4,280,729$3,358,827$9,286,040
49$10,100,681$4,407,708$3,388,571$10,106,502
50$11,045,566$4,538,301$3,416,704$11,006,972
51$12,084,140$4,672,604$3,443,090$11,995,507
52$13,225,874$4,810,714$3,467,585$13,080,982
53$14,481,204$4,952,729$3,490,040$14,273,173
54$15,861,625$5,098,751$3,510,294$15,582,854
55$17,379,804$5,248,883$3,528,183$17,021,889
56$19,049,697$5,403,231$3,543,529$18,603,355
57$20,886,679$5,561,902$3,556,151$20,341,655
58$22,907,692$5,725,007$3,565,853$22,252,660
59$25,131,400$5,892,656$3,572,433$24,353,856
60$27,578,372$6,064,965$3,575,679$26,664,509
61$30,271,267$6,242,050$3,575,365$29,205,846
62$33,235,054$6,424,028$3,571,258$32,001,256
63$36,497,246$6,611,021$3,563,110$35,076,509
64$40,088,155$6,803,152$3,550,665$38,460,001
65$44,041,185$7,000,545$3,533,651$42,183,019
66$48,393,142$7,203,327$3,511,784$46,280,038
67$53,184,581$7,411,628$3,484,767$50,789,045
68$58,460,189$7,625,579$3,452,288$55,751,898
69$64,269,209$7,845,313$3,414,020$61,214,718
70$70,665,901$8,070,966$3,369,622$67,228,328
71$77,710,054$8,302,675$3,318,736$73,848,729
72$85,467,552$8,540,578$3,260,986$81,137,630
73$94,010,993$8,784,818$3,195,980$89,163,030
74$103,420,377$9,035,536$3,123,308$97,999,857
75$113,783,856$9,292,878$3,042,539$107,730,677
76$125,198,570$9,556,990$2,953,225$118,446,474
77$137,771,560$9,828,019$2,854,894$130,247,506
78$151,620,782$10,106,114$2,747,056$143,244,252
79$166,876,215$10,391,427$2,629,195$157,558,452
80$183,681,091$10,684,109$2,500,775$173,324,262
81$202,193,244$10,984,312$2,361,233$190,689,513
82$222,586,603$11,292,191$2,209,982$209,817,109
83$245,052,828$11,607,900$2,046,408$230,886,563
84$269,803,123$11,931,594$1,869,869$254,095,696
85$297,070,228$12,263,428$1,679,696$279,662,495
86$327,110,614$12,603,559$1,475,189$307,827,180
87$360,206,905$12,952,141$1,255,616$338,854,461
88$396,670,544$13,309,331$1,020,214$373,036,047
89$436,844,734$13,675,283$768,186$410,693,391
90$481,107,676$14,050,152$498,700$452,180,728
91$529,876,139$14,434,089$210,886$497,888,417
92$583,609,393$14,827,247$0$548,246,626
93$642,813,544$15,229,775$0$603,734,529
94$708,046,312$15,641,821$0$664,881,711
95$779,922,295$16,063,529$0$732,252,619
96$859,118,769$16,495,042$0$806,481,674
97$946,382,082$16,936,497$0$888,267,994
98$1,042,534,698$17,388,029$0$978,381,996
99$1,148,482,963$17,849,769$0$1,077,672,668
100$1,265,225,658$18,321,840$0$1,187,075,581