Can I retire at age 35 with 2,870,000?

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 $2,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$237,002$234,891$232,831$230,821$228,858$219,778
2 years$117,328$115,143$113,025$110,972$108,980$99,944
3 years$77,441$75,247$73,135$71,101$69,141$60,435
4 years$57,502$55,314$53,223$51,224$49,312$41,001
5 years$45,542$43,367$41,303$39,345$37,486$29,592
6 years$37,571$35,413$33,379$31,464$29,662$22,189
7 years$31,880$29,739$27,738$25,869$24,123$17,069
8 years$27,613$25,492$23,524$21,701$20,012$13,370
9 years$24,296$22,196$20,261$18,484$16,853$10,612
10 years$21,645$19,564$17,664$15,933$14,360$8,508
11 years$19,476$17,417$15,551$13,867$12,350$6,874
12 years$17,671$15,632$13,802$12,163$10,702$5,588
13 years$16,144$14,127$12,331$10,738$9,332$4,563
14 years$14,837$12,841$11,079$9,532$8,181$3,741
15 years$13,705$11,731$10,003$8,501$7,203$3,077
16 years$12,715$10,763$9,069$7,612$6,366$2,536
17 years$11,843$9,912$8,253$6,839$5,645$2,095
18 years$11,068$9,159$7,534$6,163$5,019$1,734
19 years$10,376$8,489$6,897$5,569$4,473$1,437
20 years$9,754$7,888$6,329$5,044$3,996$1,192
21 years$9,192$7,347$5,822$4,578$3,576$989
22 years$8,682$6,859$5,366$4,162$3,205$822
23 years$8,216$6,415$4,954$3,791$2,877$683
24 years$7,791$6,010$4,582$3,457$2,586$569
25 years$7,399$5,640$4,244$3,157$2,327$473
26 years$7,039$5,301$3,936$2,887$2,096$394
27 years$6,706$4,989$3,655$2,642$1,890$328
28 years$6,397$4,701$3,398$2,421$1,705$273
29 years$6,110$4,435$3,162$2,220$1,540$228
30 years$5,842$4,188$2,945$2,038$1,391$190
31 years$5,592$3,959$2,746$1,871$1,258$158
32 years$5,359$3,746$2,562$1,720$1,138$132
33 years$5,140$3,548$2,392$1,581$1,030$110
34 years$4,934$3,362$2,235$1,455$932$92
35 years$4,741$3,189$2,089$1,340$844$76
36 years$4,558$3,027$1,955$1,234$765$64
37 years$4,386$2,875$1,829$1,137$693$53
38 years$4,224$2,732$1,713$1,048$629$44
39 years$4,070$2,598$1,605$966$570$37
40 years$3,924$2,472$1,504$891$517$31
41 years$3,785$2,353$1,411$822$469$26
42 years$3,654$2,241$1,323$759$426$21
43 years$3,529$2,135$1,242$700$386$18
44 years$3,410$2,035$1,166$647$351$15
45 years$3,297$1,941$1,094$597$318$12
46 years$3,188$1,851$1,028$552$289$10
47 years$3,085$1,767$966$510$262$9
48 years$2,987$1,687$907$471$238$7
49 years$2,892$1,611$853$435$216$6
50 years$2,802$1,539$802$402$197$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,870,000, adding $4,214 every year, while hoping to spend $45,360 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: 65/20/15 Blend
34$2,870,000$2,870,000$2,870,000$2,870,000
35$3,167,087$3,014,977$2,970,492$3,361,274
36$3,441,867$3,114,448$3,021,741$3,591,181
37$3,743,154$3,217,273$3,073,186$3,836,665
38$4,073,605$3,323,568$3,124,786$4,103,794
39$4,436,144$3,433,454$3,176,498$4,394,682
40$4,833,993$3,547,056$3,228,274$4,711,658
41$5,270,703$3,664,504$3,280,063$5,057,281
42$5,750,181$3,785,931$3,331,811$5,434,373
43$6,276,734$3,911,477$3,383,462$5,846,038
44$6,855,108$4,041,286$3,434,954$6,295,697
45$7,490,526$4,175,506$3,486,223$6,787,113
46$8,188,748$4,314,294$3,537,200$7,324,433
47$8,956,116$4,457,810$3,587,811$7,912,222
48$9,799,616$4,606,219$3,637,980$8,555,508
49$10,726,948$4,759,695$3,687,623$9,259,830
50$11,746,593$4,918,416$3,736,654$10,031,287
51$12,867,894$5,082,567$3,784,981$10,876,596
52$14,101,147$5,252,341$3,832,506$11,803,158
53$15,457,696$5,427,937$3,879,126$12,819,124
54$16,950,036$5,609,561$3,924,732$13,933,471
55$18,591,938$5,797,428$3,969,209$15,156,090
56$20,398,574$5,991,760$4,012,435$16,497,878
57$22,386,659$6,192,787$4,054,283$17,970,836
58$24,574,613$6,400,749$4,094,617$19,588,187
59$26,982,731$6,615,893$4,133,294$21,364,499
60$29,633,375$6,838,477$4,170,164$23,315,820
61$32,551,184$7,068,767$4,205,069$25,459,832
62$35,763,308$7,307,040$4,237,842$27,816,015
63$39,299,664$7,553,583$4,268,308$30,405,831
64$43,193,216$7,808,695$4,296,283$33,252,926
65$47,480,287$8,072,684$4,321,571$36,383,355
66$52,200,902$8,345,872$4,343,970$39,825,822
67$57,399,166$8,628,591$4,363,265$43,611,956
68$63,123,676$8,921,187$4,379,229$47,776,607
69$69,427,985$9,224,019$4,391,627$52,358,172
70$76,371,102$9,537,459$4,400,210$57,398,961
71$84,018,054$9,861,894$4,404,716$62,945,591
72$92,440,493$10,197,725$4,404,872$69,049,431
73$101,717,378$10,545,368$4,400,390$75,767,081
74$111,935,716$10,905,256$4,390,968$83,160,909
75$123,191,384$11,277,839$4,376,291$91,299,637
76$135,590,034$11,663,582$4,356,025$100,258,991
77$149,248,090$12,062,970$4,329,825$110,122,413
78$164,293,846$12,476,506$4,297,324$120,981,849
79$180,868,676$12,904,713$4,258,143$132,938,617
80$199,128,369$13,348,132$4,211,879$146,104,361
81$219,244,601$13,807,329$4,158,115$160,602,105
82$241,406,550$14,282,888$4,096,412$176,567,414
83$265,822,687$14,775,418$4,026,310$194,149,672
84$292,722,738$15,285,551$3,947,329$213,513,490
85$322,359,859$15,813,944$3,858,965$234,840,264
86$355,013,016$16,361,279$3,760,693$258,329,881
87$390,989,628$16,928,266$3,651,960$284,202,607
88$430,628,461$17,515,641$3,532,191$312,701,167
89$474,302,828$18,124,172$3,400,784$344,093,033
90$522,424,114$18,754,654$3,257,108$378,672,950
91$575,445,656$19,407,915$3,100,504$416,765,716
92$633,867,026$20,084,816$2,930,284$458,729,248
93$698,238,742$20,786,251$2,745,727$504,957,959
94$769,167,467$21,513,151$2,546,083$555,886,481
95$847,321,736$22,266,482$2,330,564$611,993,767
96$933,438,265$23,047,252$2,098,349$673,807,611
97$1,028,328,906$23,856,505$1,848,582$741,909,631
98$1,132,888,310$24,695,329$1,580,365$816,940,755
99$1,248,102,373$25,564,856$1,292,763$899,607,274
100$1,375,057,544$26,466,263$984,800$990,687,506