Can I retire at age 35 with 2,860,000?

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 $2,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$236,176$234,072$232,020$230,017$228,060$222,097
2 years$116,919$114,741$112,631$110,585$108,600$102,632
3 years$77,172$74,985$72,880$70,853$68,900$63,115
4 years$57,302$55,122$53,038$51,045$49,140$43,583
5 years$45,383$43,216$41,159$39,208$37,356$32,041
6 years$37,440$35,289$33,263$31,355$29,558$24,491
7 years$31,769$29,636$27,642$25,779$24,039$19,220
8 years$27,517$25,403$23,442$21,625$19,943$15,369
9 years$24,212$22,118$20,191$18,420$16,794$12,463
10 years$21,569$19,496$17,603$15,878$14,310$10,214
11 years$19,408$17,356$15,497$13,819$12,307$8,442
12 years$17,609$15,578$13,753$12,121$10,665$7,023
13 years$16,088$14,078$12,288$10,701$9,300$5,874
14 years$14,785$12,796$11,041$9,499$8,152$4,934
15 years$13,657$11,690$9,968$8,471$7,178$4,160
16 years$12,671$10,725$9,038$7,585$6,344$3,517
17 years$11,802$9,878$8,224$6,815$5,625$2,981
18 years$11,030$9,127$7,507$6,142$5,001$2,532
19 years$10,340$8,459$6,873$5,550$4,458$2,154
20 years$9,720$7,861$6,307$5,026$3,982$1,835
21 years$9,160$7,322$5,802$4,562$3,563$1,565
22 years$8,651$6,835$5,347$4,148$3,194$1,337
23 years$8,188$6,392$4,937$3,777$2,867$1,143
24 years$7,763$5,989$4,566$3,445$2,577$977
25 years$7,374$5,621$4,229$3,146$2,319$836
26 years$7,014$5,282$3,922$2,877$2,089$716
27 years$6,682$4,971$3,642$2,633$1,883$614
28 years$6,374$4,684$3,386$2,413$1,699$526
29 years$6,088$4,419$3,151$2,212$1,534$451
30 years$5,822$4,174$2,935$2,030$1,386$387
31 years$5,573$3,945$2,736$1,865$1,253$332
32 years$5,340$3,733$2,553$1,714$1,134$285
33 years$5,122$3,535$2,384$1,576$1,026$244
34 years$4,917$3,351$2,227$1,450$929$210
35 years$4,724$3,178$2,082$1,335$841$180
36 years$4,542$3,016$1,948$1,229$762$154
37 years$4,371$2,865$1,823$1,133$691$133
38 years$4,209$2,723$1,707$1,044$626$114
39 years$4,055$2,589$1,599$963$568$98
40 years$3,910$2,463$1,499$888$515$84
41 years$3,772$2,345$1,406$819$467$72
42 years$3,641$2,233$1,319$756$424$62
43 years$3,517$2,128$1,237$698$385$53
44 years$3,398$2,028$1,162$644$349$46
45 years$3,285$1,934$1,091$595$317$39
46 years$3,177$1,845$1,024$550$288$34
47 years$3,075$1,761$962$508$262$29
48 years$2,976$1,681$904$469$238$25
49 years$2,882$1,605$850$434$216$21
50 years$2,792$1,533$799$401$196$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,860,000, adding $4,548 every year, while hoping to spend $51,621 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: 67/12/21 Blend
34$2,860,000$2,860,000$2,860,000$2,860,000
35$3,156,411$3,004,831$2,960,501$3,350,904
36$3,423,441$3,097,144$3,004,754$3,574,131
37$3,715,977$3,192,249$3,048,758$3,811,786
38$4,036,568$3,290,230$3,092,453$4,070,453
39$4,388,018$3,391,172$3,135,770$4,352,200
40$4,773,417$3,495,160$3,178,640$4,659,304
41$5,196,168$3,602,286$3,220,987$4,994,273
42$5,660,020$3,712,640$3,262,732$5,359,869
43$6,169,100$3,826,318$3,303,792$5,759,134
44$6,727,957$3,943,416$3,344,078$6,195,419
45$7,341,600$4,064,035$3,383,496$6,672,415
46$8,015,548$4,188,277$3,421,947$7,194,188
47$8,755,879$4,316,248$3,459,327$7,765,217
48$9,569,290$4,448,055$3,495,526$8,390,437
49$10,463,159$4,583,811$3,530,428$9,075,284
50$11,445,613$4,723,630$3,563,909$9,825,747
51$12,525,606$4,867,629$3,595,841$10,648,423
52$13,713,005$5,015,929$3,626,088$11,550,583
53$15,018,676$5,168,654$3,654,507$12,540,236
54$16,454,594$5,325,932$3,680,946$13,626,207
55$18,033,952$5,487,892$3,705,248$14,818,218
56$19,771,286$5,654,670$3,727,244$16,126,982
57$21,682,611$5,826,403$3,746,761$17,564,305
58$23,785,573$6,003,232$3,763,613$19,143,192
59$26,099,614$6,185,302$3,777,606$20,877,975
60$28,646,156$6,372,764$3,788,538$22,784,446
61$31,448,804$6,565,769$3,796,193$24,880,006
62$34,533,565$6,764,475$3,800,349$27,183,829
63$37,929,097$6,969,042$3,800,769$29,717,043
64$41,666,975$7,179,636$3,797,205$32,502,929
65$45,781,995$7,396,426$3,789,400$35,567,143
66$50,312,493$7,619,586$3,777,080$38,937,954
67$55,300,716$7,849,294$3,759,960$42,646,515
68$60,793,212$8,085,733$3,737,742$46,727,153
69$66,841,275$8,329,089$3,710,112$51,217,696
70$73,501,426$8,579,556$3,676,742$56,159,830
71$80,835,946$8,837,329$3,637,287$61,599,488
72$88,913,465$9,102,610$3,591,388$67,587,292
73$97,809,606$9,375,606$3,538,668$74,179,021
74$107,607,704$9,656,528$3,478,731$81,436,145
75$118,399,585$9,945,593$3,411,163$89,426,402
76$130,286,438$10,243,023$3,335,533$98,224,439
77$143,379,769$10,549,045$3,251,388$107,912,514
78$157,802,449$10,863,892$3,158,253$118,581,277
79$173,689,878$11,187,801$3,055,633$130,330,619
80$191,191,259$11,521,017$2,943,010$143,270,625
81$210,471,009$11,863,789$2,819,843$157,522,602
82$231,710,308$12,216,370$2,685,563$173,220,233
83$255,108,810$12,579,023$2,539,580$190,510,836
84$280,886,527$12,952,014$2,381,275$209,556,753
85$309,285,904$13,335,614$2,209,999$230,536,887
86$340,574,110$13,730,103$2,025,078$253,648,388
87$375,045,556$14,135,764$1,825,804$279,108,513
88$413,024,675$14,552,889$1,611,441$307,156,683
89$454,868,985$14,981,774$1,381,218$338,056,738
90$500,972,462$15,422,722$1,134,330$372,099,430
91$551,769,260$15,876,042$869,936$409,605,169
92$607,737,805$16,342,049$587,160$450,927,048
93$669,405,317$16,821,065$285,085$496,454,174
94$737,352,780$17,313,417$0$546,615,348
95$812,220,430$17,819,441$0$601,891,461
96$894,713,797$18,339,477$0$662,863,612
97$985,610,363$18,873,871$0$730,041,942
98$1,085,766,907$19,422,976$0$804,059,088
99$1,196,127,582$19,987,153$0$885,612,200
100$1,317,732,839$20,566,767$0$975,469,530