Can I retire at age 35 with 2,850,000?

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 $2,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$235,350$233,254$231,209$229,212$227,263$224,796
2 years$116,510$114,340$112,237$110,198$108,220$105,737
3 years$76,902$74,723$72,625$70,605$68,660$66,236
4 years$57,102$54,929$52,852$50,867$48,969$46,624
5 years$45,225$43,065$41,016$39,071$37,225$34,966
6 years$37,309$35,166$33,147$31,245$29,455$27,284
7 years$31,657$29,532$27,545$25,688$23,955$21,873
8 years$27,421$25,315$23,360$21,549$19,873$17,881
9 years$24,127$22,041$20,120$18,355$16,736$14,832
10 years$21,494$19,428$17,541$15,822$14,260$12,443
11 years$19,341$17,296$15,443$13,770$12,264$10,533
12 years$17,548$15,524$13,705$12,078$10,628$8,981
13 years$16,032$14,029$12,245$10,663$9,267$7,702
14 years$14,733$12,752$11,002$9,466$8,124$6,638
15 years$13,609$11,649$9,933$8,442$7,153$5,745
16 years$12,627$10,688$9,006$7,559$6,322$4,989
17 years$11,760$9,843$8,195$6,791$5,605$4,345
18 years$10,991$9,095$7,481$6,120$4,984$3,794
19 years$10,304$8,429$6,849$5,530$4,442$3,319
20 years$9,686$7,833$6,285$5,009$3,968$2,910
21 years$9,128$7,296$5,781$4,546$3,551$2,555
22 years$8,621$6,811$5,328$4,133$3,183$2,246
23 years$8,159$6,370$4,920$3,764$2,857$1,977
24 years$7,736$5,968$4,550$3,433$2,568$1,742
25 years$7,348$5,601$4,214$3,135$2,311$1,537
26 years$6,990$5,264$3,908$2,867$2,082$1,357
27 years$6,659$4,954$3,629$2,624$1,877$1,198
28 years$6,352$4,668$3,374$2,404$1,693$1,059
29 years$6,067$4,404$3,140$2,205$1,529$937
30 years$5,801$4,159$2,925$2,023$1,382$829
31 years$5,553$3,932$2,726$1,858$1,249$734
32 years$5,321$3,720$2,544$1,708$1,130$650
33 years$5,104$3,523$2,375$1,570$1,023$576
34 years$4,900$3,339$2,219$1,445$926$510
35 years$4,708$3,167$2,075$1,330$839$452
36 years$4,526$3,006$1,941$1,225$760$401
37 years$4,356$2,855$1,817$1,129$689$355
38 years$4,194$2,713$1,701$1,040$624$315
39 years$4,041$2,580$1,594$959$566$280
40 years$3,896$2,455$1,494$885$513$248
41 years$3,759$2,337$1,401$816$466$220
42 years$3,628$2,225$1,314$753$423$195
43 years$3,504$2,120$1,233$695$384$173
44 years$3,386$2,021$1,157$642$348$154
45 years$3,274$1,927$1,087$593$316$136
46 years$3,166$1,839$1,021$548$287$121
47 years$3,064$1,755$959$506$261$108
48 years$2,966$1,675$901$468$237$95
49 years$2,872$1,599$847$432$215$85
50 years$2,783$1,528$796$399$195$75

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,850,000, adding $5,017 every year, while hoping to spend $27,943 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: 69/16/15 Blend
34$2,850,000$2,850,000$2,850,000$2,850,000
35$3,145,875$2,994,825$2,950,650$3,351,706
36$3,437,023$3,111,840$3,019,766$3,606,349
37$3,756,932$3,233,653$3,090,260$3,881,053
38$4,108,505$3,360,468$3,162,150$4,180,892
39$4,494,943$3,492,501$3,235,452$4,508,338
40$4,919,769$3,629,975$3,310,182$4,866,112
41$5,386,867$3,773,126$3,386,355$5,257,207
42$5,900,515$3,922,197$3,463,986$5,684,921
43$6,465,428$4,077,445$3,543,089$6,152,883
44$7,086,798$4,239,136$3,623,679$6,665,089
45$7,770,348$4,407,550$3,705,769$7,225,939
46$8,522,381$4,582,978$3,789,370$7,840,277
47$9,349,845$4,765,725$3,874,495$8,513,440
48$10,260,393$4,956,110$3,961,154$9,251,300
49$11,262,458$5,154,464$4,049,358$10,060,329
50$12,365,333$5,361,136$4,139,115$10,947,652
51$13,579,254$5,576,489$4,230,433$11,921,115
52$14,915,504$5,800,904$4,323,318$12,989,363
53$16,386,514$6,034,776$4,417,778$14,161,913
54$18,005,980$6,278,521$4,513,815$15,449,253
55$19,788,994$6,532,574$4,611,432$16,862,931
56$21,752,188$6,797,386$4,710,632$18,415,670
57$23,913,886$7,073,433$4,811,413$20,121,482
58$26,294,282$7,361,210$4,913,774$21,995,806
59$28,915,624$7,661,235$5,017,711$24,055,645
60$31,802,432$7,974,050$5,123,219$26,319,735
61$34,981,724$8,300,222$5,230,290$28,808,712
62$38,483,269$8,640,342$5,338,914$31,545,312
63$42,339,874$8,995,031$5,449,080$34,554,581
64$46,587,690$9,364,936$5,560,772$37,864,115
65$51,266,551$9,750,734$5,673,975$41,504,315
66$56,420,353$10,153,135$5,788,667$45,508,674
67$62,097,469$10,572,878$5,904,827$49,914,095
68$68,351,201$11,010,739$6,022,429$54,761,233
69$75,240,288$11,467,529$6,141,444$60,094,885
70$82,829,454$11,944,096$6,261,840$65,964,404
71$91,190,028$12,441,326$6,383,581$72,424,168
72$100,400,607$12,960,147$6,506,627$79,534,093
73$110,547,805$13,501,530$6,630,935$87,360,194
74$121,727,066$14,066,490$6,756,457$95,975,209
75$134,043,569$14,656,091$6,883,141$105,459,282
76$147,613,216$15,271,442$7,010,929$115,900,723
77$162,563,729$15,913,707$7,139,760$127,396,833
78$179,035,854$16,584,104$7,269,566$140,054,828
79$197,184,691$17,283,904$7,400,276$153,992,845
80$217,181,155$18,014,441$7,531,811$169,341,057
81$239,213,592$18,777,108$7,664,086$186,242,899
82$263,489,557$19,573,365$7,797,012$204,856,422
83$290,237,770$20,404,738$7,930,490$225,355,783
84$319,710,278$21,272,825$8,064,416$247,932,885
85$352,184,831$22,179,298$8,198,679$272,799,188
86$387,967,508$23,125,908$8,333,159$300,187,703
87$427,395,602$24,114,486$8,467,728$330,355,189
88$470,840,808$25,146,950$8,602,251$363,584,577
89$518,712,726$26,225,307$8,736,582$400,187,633
90$571,462,734$27,351,657$8,870,568$440,507,905
91$629,588,244$28,528,199$9,004,043$484,923,960
92$693,637,399$29,757,235$9,136,833$533,852,953
93$764,214,251$31,041,176$9,268,753$587,754,570
94$841,984,454$32,382,544$9,399,607$647,135,354
95$927,681,560$33,783,980$9,529,185$712,553,495
96$1,022,113,933$35,248,249$9,657,266$784,624,088
97$1,126,172,387$36,778,246$9,783,617$864,024,938
98$1,240,838,592$38,377,002$9,907,991$951,502,961
99$1,367,194,344$40,047,690$10,030,124$1,047,881,223
100$1,506,431,775$41,793,635$10,149,740$1,154,066,713