Can I retire at age 35 with 2,810,000?

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 $2,810,000?

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$232,047$229,980$227,964$225,995$224,073$222,848
2 years$114,875$112,735$110,662$108,652$106,702$105,465
3 years$75,822$73,674$71,606$69,614$67,696$66,487
4 years$56,300$54,158$52,111$50,153$48,281$47,109
5 years$44,590$42,461$40,440$38,522$36,703$35,570
6 years$36,785$34,672$32,681$30,807$29,042$27,950
7 years$31,213$29,118$27,158$25,328$23,619$22,569
8 years$27,036$24,959$23,033$21,247$19,594$18,587
9 years$23,788$21,732$19,838$18,098$16,501$15,535
10 years$21,192$19,155$17,295$15,600$14,060$13,135
11 years$19,069$17,053$15,226$13,577$12,092$11,208
12 years$17,301$15,306$13,513$11,909$10,478$9,635
13 years$15,807$13,832$12,073$10,514$9,137$8,333
14 years$14,527$12,573$10,848$9,333$8,010$7,244
15 years$13,418$11,485$9,794$8,323$7,052$6,323
16 years$12,449$10,538$8,880$7,453$6,233$5,540
17 years$11,595$9,705$8,080$6,696$5,527$4,869
18 years$10,837$8,968$7,376$6,035$4,914$4,290
19 years$10,159$8,311$6,752$5,453$4,380$3,789
20 years$9,550$7,723$6,197$4,938$3,912$3,353
21 years$9,000$7,194$5,700$4,482$3,501$2,973
22 years$8,500$6,715$5,254$4,075$3,138$2,639
23 years$8,045$6,281$4,851$3,711$2,817$2,346
24 years$7,628$5,884$4,486$3,385$2,532$2,088
25 years$7,245$5,522$4,155$3,091$2,278$1,861
26 years$6,892$5,190$3,854$2,827$2,052$1,659
27 years$6,565$4,884$3,578$2,587$1,850$1,481
28 years$6,263$4,603$3,327$2,370$1,670$1,323
29 years$5,982$4,342$3,096$2,174$1,508$1,182
30 years$5,720$4,101$2,883$1,995$1,362$1,057
31 years$5,475$3,876$2,688$1,832$1,232$946
32 years$5,247$3,668$2,508$1,684$1,114$846
33 years$5,032$3,474$2,342$1,548$1,008$758
34 years$4,831$3,292$2,188$1,425$913$679
35 years$4,641$3,123$2,046$1,312$827$608
36 years$4,463$2,964$1,914$1,208$749$545
37 years$4,294$2,815$1,791$1,113$679$489
38 years$4,135$2,675$1,677$1,026$616$438
39 years$3,985$2,544$1,572$946$558$393
40 years$3,842$2,420$1,473$872$506$353
41 years$3,706$2,304$1,381$805$459$316
42 years$3,578$2,194$1,296$743$417$284
43 years$3,455$2,090$1,216$686$378$255
44 years$3,339$1,993$1,141$633$343$229
45 years$3,228$1,900$1,072$585$312$205
46 years$3,122$1,813$1,006$540$283$184
47 years$3,021$1,730$946$499$257$165
48 years$2,924$1,651$889$461$233$149
49 years$2,832$1,577$835$426$212$133
50 years$2,744$1,506$785$394$193$120

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,810,000, adding $4,593 every year, while hoping to spend $38,525 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: 76/19/5 Blend
34$2,810,000$2,810,000$2,810,000$2,810,000
35$3,101,358$2,952,428$2,908,873$3,335,794
36$3,376,706$3,056,106$2,965,330$3,594,033
37$3,678,848$3,163,574$3,022,387$3,871,565
38$4,010,478$3,274,976$3,080,023$4,174,611
39$4,374,559$3,390,462$3,138,217$4,505,683
40$4,774,360$3,510,191$3,196,943$4,867,547
41$5,213,478$3,634,324$3,256,174$5,263,249
42$5,695,879$3,763,032$3,315,882$5,696,141
43$6,225,930$3,896,492$3,376,035$6,169,915
44$6,808,442$4,034,887$3,436,599$6,688,635
45$7,448,715$4,178,408$3,497,537$7,256,777
46$8,152,588$4,327,255$3,558,810$7,879,269
47$8,926,497$4,481,634$3,620,374$8,561,540
48$9,777,527$4,641,763$3,682,185$9,309,565
49$10,713,490$4,807,864$3,744,193$10,129,928
50$11,742,988$4,980,171$3,806,345$11,029,879
51$12,875,502$5,158,929$3,868,587$12,017,403
52$14,121,476$5,344,390$3,930,858$13,101,295
53$15,492,419$5,536,817$3,993,094$14,291,244
54$17,001,011$5,736,486$4,055,227$15,597,919
55$18,661,222$5,943,681$4,117,185$17,033,077
56$20,488,447$6,158,702$4,178,892$18,609,665
57$22,499,648$6,381,859$4,240,264$20,341,948
58$24,713,516$6,613,473$4,301,216$22,245,638
59$27,150,643$6,853,881$4,361,655$24,338,046
60$29,833,722$7,103,435$4,421,484$26,638,242
61$32,787,757$7,362,499$4,480,600$29,167,234
62$36,040,300$7,631,453$4,538,892$31,948,170
63$39,621,711$7,910,694$4,596,244$35,006,548
64$43,565,442$8,200,635$4,652,535$38,370,463
65$47,908,357$8,501,706$4,707,635$42,070,867
66$52,691,075$8,814,356$4,761,407$46,141,863
67$57,958,357$9,139,051$4,813,706$50,621,024
68$63,759,524$9,476,280$4,864,380$55,549,748
69$70,148,927$9,826,549$4,913,268$60,973,648
70$77,186,456$10,190,388$4,960,201$66,942,979
71$84,938,107$10,568,349$5,005,000$73,513,116
72$93,476,603$10,961,007$5,047,476$80,745,071
73$102,882,082$11,368,962$5,087,432$88,706,071
74$113,242,851$11,792,838$5,124,659$97,470,189
75$124,656,224$12,233,289$5,158,936$107,119,046
76$137,229,433$12,690,994$5,190,034$117,742,575
77$151,080,644$13,166,662$5,217,710$129,439,872
78$166,340,074$13,661,033$5,241,708$142,320,131
79$183,151,216$14,174,878$5,261,759$156,503,669
80$201,672,195$14,709,001$5,277,583$172,123,067
81$222,077,259$15,264,243$5,288,882$189,324,413
82$244,558,427$15,841,478$5,295,347$208,268,685
83$269,327,296$16,441,621$5,296,651$229,133,266
84$296,617,043$17,065,623$5,292,452$252,113,619
85$326,684,623$17,714,480$5,282,390$277,425,128
86$359,813,194$18,389,229$5,266,090$305,305,134
87$396,314,792$19,090,953$5,243,156$336,015,166
88$436,533,274$19,820,783$5,213,174$369,843,417
89$480,847,563$20,579,896$5,175,711$407,107,457
90$529,675,228$21,369,525$5,130,311$448,157,230
91$583,476,424$22,190,954$5,076,499$493,378,355
92$642,758,232$23,045,524$5,013,775$543,195,768
93$708,079,452$23,934,635$4,941,617$598,077,725
94$780,055,873$24,859,749$4,859,478$658,540,226
95$859,366,087$25,822,392$4,766,785$725,151,881
96$946,757,895$26,824,156$4,662,939$798,539,276
97$1,043,055,366$27,866,705$4,547,313$879,392,884
98$1,149,166,616$28,951,777$4,419,251$968,473,584
99$1,266,092,381$30,081,184$4,278,067$1,066,619,839
100$1,394,935,464$31,256,822$4,123,041$1,174,755,610