Can I retire at age 35 with 2,790,000?

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 $2,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$230,396$228,343$226,341$224,387$222,479$215,443
2 years$114,057$111,933$109,874$107,878$105,942$98,918
3 years$75,283$73,149$71,096$69,119$67,214$60,421
4 years$55,899$53,773$51,740$49,796$47,938$41,428
5 years$44,272$42,158$40,152$38,248$36,441$30,233
6 years$36,524$34,425$32,449$30,587$28,835$22,933
7 years$30,991$28,910$26,965$25,148$23,450$17,854
8 years$26,843$24,782$22,869$21,096$19,454$14,160
9 years$23,619$21,577$19,697$17,969$16,383$11,385
10 years$21,041$19,019$17,172$15,489$13,960$9,250
11 years$18,933$16,931$15,118$13,480$12,006$7,576
12 years$17,178$15,197$13,417$11,824$10,404$6,245
13 years$15,694$13,733$11,987$10,439$9,072$5,174
14 years$14,423$12,483$10,770$9,266$7,953$4,304
15 years$13,323$11,404$9,724$8,264$7,002$3,593
16 years$12,361$10,463$8,816$7,400$6,189$3,008
17 years$11,513$9,636$8,023$6,648$5,487$2,523
18 years$10,760$8,904$7,324$5,992$4,879$2,121
19 years$10,087$8,252$6,704$5,414$4,349$1,785
20 years$9,482$7,668$6,153$4,903$3,884$1,505
21 years$8,936$7,143$5,660$4,450$3,476$1,270
22 years$8,440$6,667$5,216$4,046$3,116$1,073
23 years$7,987$6,236$4,816$3,685$2,797$907
24 years$7,573$5,843$4,454$3,361$2,514$767
25 years$7,193$5,483$4,125$3,069$2,262$649
26 years$6,843$5,153$3,826$2,806$2,038$550
27 years$6,519$4,850$3,553$2,569$1,837$466
28 years$6,218$4,570$3,303$2,354$1,658$395
29 years$5,939$4,311$3,074$2,158$1,497$334
30 years$5,679$4,071$2,863$1,981$1,353$284
31 years$5,436$3,849$2,669$1,819$1,223$240
32 years$5,209$3,642$2,490$1,672$1,106$204
33 years$4,996$3,449$2,325$1,537$1,001$173
34 years$4,797$3,269$2,173$1,415$906$147
35 years$4,608$3,100$2,031$1,302$821$124
36 years$4,431$2,943$1,900$1,199$744$106
37 years$4,264$2,795$1,778$1,105$674$90
38 years$4,106$2,656$1,665$1,018$611$76
39 years$3,956$2,526$1,560$939$554$65
40 years$3,814$2,403$1,463$866$503$55
41 years$3,680$2,287$1,371$799$456$46
42 years$3,552$2,178$1,286$738$414$39
43 years$3,431$2,076$1,207$681$376$33
44 years$3,315$1,978$1,133$629$341$28
45 years$3,205$1,887$1,064$581$309$24
46 years$3,100$1,800$999$536$281$20
47 years$2,999$1,718$939$495$255$17
48 years$2,903$1,640$882$458$232$15
49 years$2,812$1,566$829$423$210$13
50 years$2,724$1,496$780$391$191$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,790,000, adding $3,397 every year, while hoping to spend $55,677 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: 43/31/26 Blend
34$2,790,000$2,790,000$2,790,000$2,790,000
35$3,078,084$2,930,214$2,886,969$3,186,977
36$3,332,809$3,014,555$2,924,443$3,349,429
37$3,611,649$3,101,162$2,961,305$3,519,756
38$3,917,007$3,190,088$2,997,478$3,703,221
39$4,251,525$3,281,386$3,032,878$3,901,072
40$4,618,116$3,375,110$3,067,415$4,114,682
41$5,019,987$3,471,313$3,100,996$4,345,564
42$5,460,670$3,570,052$3,133,524$4,595,383
43$5,944,055$3,671,381$3,164,893$4,865,972
44$6,474,427$3,775,356$3,194,995$5,159,352
45$7,056,504$3,882,035$3,223,714$5,477,745
46$7,695,487$3,991,474$3,250,928$5,823,602
47$8,397,102$4,103,731$3,276,509$6,199,620
48$9,167,657$4,218,864$3,300,322$6,608,772
49$10,014,100$4,336,931$3,322,226$7,054,331
50$10,944,089$4,457,991$3,342,070$7,539,904
51$11,966,055$4,582,102$3,359,699$8,069,465
52$13,089,290$4,709,323$3,374,947$8,647,391
53$14,324,031$4,839,713$3,387,640$9,278,505
54$15,681,554$4,973,330$3,397,598$9,968,122
55$17,174,282$5,110,233$3,404,627$10,722,096
56$18,815,905$5,250,481$3,408,529$11,546,879
57$20,621,504$5,394,131$3,409,091$12,449,580
58$22,607,695$5,541,241$3,406,093$13,438,031
59$24,792,785$5,691,867$3,399,302$14,520,866
60$27,196,947$5,846,066$3,388,476$15,707,595
61$29,842,405$6,003,893$3,373,359$17,008,699
62$32,753,647$6,165,401$3,353,684$18,435,729
63$35,957,657$6,330,643$3,329,171$20,001,412
64$39,484,164$6,499,671$3,299,524$21,719,775
65$43,365,929$6,672,535$3,264,438$23,606,275
66$47,639,046$6,849,282$3,223,589$25,677,945
67$52,343,290$7,029,957$3,176,641$27,953,557
68$57,522,486$7,214,606$3,123,239$30,453,798
69$63,224,926$7,403,268$3,063,013$33,201,465
70$69,503,822$7,595,981$2,995,578$36,221,682
71$76,417,808$7,792,781$2,920,526$39,542,137
72$84,031,496$7,993,699$2,837,436$43,193,343
73$92,416,082$8,198,763$2,745,862$47,208,927
74$101,650,015$8,407,996$2,645,342$51,625,947
75$111,819,747$8,621,417$2,535,391$56,485,244
76$123,020,536$8,839,041$2,415,501$61,831,827
77$135,357,353$9,060,877$2,285,143$67,715,299
78$148,945,870$9,286,927$2,143,763$74,190,324
79$163,913,552$9,517,190$1,990,781$81,317,146
80$180,400,856$9,751,653$1,825,594$89,162,157
81$198,562,560$9,990,302$1,647,569$97,798,526
82$218,569,224$10,233,109$1,456,045$107,306,889
83$240,608,797$10,480,043$1,250,334$117,776,111
84$264,888,389$10,731,061$1,029,716$129,304,128
85$291,636,231$10,986,109$793,437$141,998,869
86$321,103,823$11,245,125$540,714$155,979,281
87$353,568,312$11,508,035$270,727$171,376,447
88$389,335,103$11,774,752$0$188,334,830
89$428,740,746$12,045,177$0$207,018,463
90$472,156,109$12,319,198$0$227,678,435
91$519,989,879$12,596,685$0$250,433,179
92$572,692,419$12,877,495$0$275,496,057
93$630,760,021$13,161,467$0$303,102,186
94$694,739,587$13,448,423$0$333,510,662
95$765,233,793$13,738,164$0$367,007,002
96$842,906,777$14,030,472$0$403,905,840
97$928,490,409$14,325,105$0$444,553,901
98$1,022,791,196$14,621,800$0$489,333,267
99$1,126,697,898$14,920,269$0$538,664,991
100$1,241,189,917$15,220,196$0$593,013,067