Can I retire at age 35 with 2,670,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$220,486$218,522$216,606$214,736$212,910$208,016
2 years$109,152$107,119$105,149$103,238$101,385$96,482
3 years$72,045$70,003$68,038$66,146$64,323$59,564
4 years$53,495$51,460$49,514$47,654$45,876$41,296
5 years$42,368$40,345$38,425$36,603$34,874$30,488
6 years$34,953$32,945$31,053$29,272$27,595$23,406
7 years$29,658$27,667$25,805$24,066$22,442$18,451
8 years$25,689$23,716$21,885$20,188$18,618$14,824
9 years$22,603$20,649$18,850$17,196$15,679$12,079
10 years$20,136$18,201$16,433$14,823$13,359$9,949
11 years$18,119$16,203$14,468$12,901$11,489$8,265
12 years$16,439$14,543$12,840$11,316$9,956$6,912
13 years$15,019$13,143$11,471$9,990$8,682$5,812
14 years$13,803$11,946$10,307$8,868$7,611$4,909
15 years$12,750$10,913$9,306$7,909$6,701$4,162
16 years$11,829$10,013$8,437$7,081$5,922$3,539
17 years$11,018$9,221$7,678$6,362$5,251$3,017
18 years$10,297$8,521$7,009$5,734$4,669$2,577
19 years$9,653$7,897$6,416$5,181$4,162$2,206
20 years$9,074$7,338$5,888$4,692$3,717$1,891
21 years$8,552$6,835$5,416$4,259$3,327$1,623
22 years$8,077$6,381$4,992$3,872$2,982$1,395
23 years$7,644$5,968$4,609$3,526$2,677$1,199
24 years$7,248$5,591$4,263$3,216$2,406$1,032
25 years$6,884$5,247$3,948$2,937$2,165$889
26 years$6,548$4,931$3,662$2,686$1,950$766
27 years$6,238$4,641$3,400$2,458$1,758$661
28 years$5,951$4,373$3,161$2,252$1,586$570
29 years$5,684$4,126$2,941$2,065$1,432$492
30 years$5,435$3,896$2,740$1,896$1,294$425
31 years$5,203$3,683$2,554$1,741$1,170$367
32 years$4,985$3,485$2,383$1,600$1,059$317
33 years$4,782$3,300$2,225$1,471$958$274
34 years$4,590$3,128$2,079$1,354$867$236
35 years$4,410$2,967$1,944$1,246$786$204
36 years$4,241$2,816$1,818$1,148$712$177
37 years$4,080$2,675$1,702$1,057$645$153
38 years$3,929$2,542$1,594$975$585$132
39 years$3,786$2,417$1,493$899$530$114
40 years$3,650$2,300$1,400$829$481$99
41 years$3,522$2,189$1,312$765$436$85
42 years$3,399$2,085$1,231$706$396$74
43 years$3,283$1,986$1,155$652$359$64
44 years$3,172$1,893$1,084$602$326$55
45 years$3,067$1,806$1,018$556$296$48
46 years$2,966$1,722$956$513$269$41
47 years$2,870$1,644$898$474$244$36
48 years$2,779$1,569$844$438$222$31
49 years$2,691$1,498$794$405$201$27
50 years$2,607$1,431$746$374$183$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,670,000, adding $5,317 every year, while hoping to spend $26,553 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: 89/6/5 Blend
34$2,670,000$2,670,000$2,670,000$2,670,000
35$2,947,824$2,806,314$2,764,929$3,210,151
36$3,220,250$2,915,572$2,829,302$3,490,763
37$3,519,574$3,029,293$2,894,942$3,794,967
38$3,848,510$3,147,668$2,961,862$4,128,578
39$4,210,051$3,270,897$3,030,078$4,494,541
40$4,607,493$3,399,187$3,099,602$4,896,105
41$5,044,466$3,532,756$3,170,447$5,336,843
42$5,524,971$3,671,830$3,242,627$5,820,695
43$6,053,416$3,816,648$3,316,152$6,351,999
44$6,634,656$3,967,455$3,391,035$6,935,535
45$7,274,042$4,124,512$3,467,286$7,576,567
46$7,977,469$4,288,088$3,544,915$8,280,893
47$8,751,432$4,458,465$3,623,931$9,054,903
48$9,603,088$4,635,940$3,704,342$9,905,635
49$10,540,321$4,820,819$3,786,156$10,840,842
50$11,571,821$5,013,426$3,869,379$11,869,066
51$12,707,159$5,214,096$3,954,016$12,999,718
52$13,956,885$5,423,182$4,040,071$14,243,166
53$15,332,621$5,641,052$4,127,547$15,610,833
54$16,847,174$5,868,090$4,216,446$17,115,304
55$18,514,656$6,104,697$4,306,767$18,770,445
56$20,350,618$6,351,293$4,398,511$20,591,534
57$22,372,192$6,608,318$4,491,672$22,595,403
58$24,598,261$6,876,231$4,586,248$24,800,599
59$27,049,627$7,155,510$4,682,231$27,227,556
60$29,749,217$7,446,658$4,779,614$29,898,790
61$32,722,292$7,750,199$4,878,386$32,839,110
62$35,996,688$8,066,681$4,978,534$36,075,850
63$39,603,079$8,396,677$5,080,043$39,639,132
64$43,575,266$8,740,787$5,182,898$43,562,143
65$47,950,495$9,099,637$5,287,077$47,881,452
66$52,769,810$9,473,884$5,392,558$52,637,354
67$58,078,438$9,864,212$5,499,317$57,874,250
68$63,926,219$10,271,339$5,607,324$63,641,065
69$70,368,073$10,696,014$5,716,549$69,991,708
70$77,464,519$11,139,021$5,826,956$76,985,585
71$85,282,248$11,601,181$5,938,507$84,688,154
72$93,894,750$12,083,352$6,051,160$93,171,545
73$103,383,010$12,586,432$6,164,869$102,515,239
74$113,836,269$13,111,358$6,279,584$112,806,820
75$125,352,868$13,659,114$6,395,249$124,142,799
76$138,041,177$14,230,728$6,511,807$136,629,523
77$152,020,616$14,827,273$6,629,192$150,384,184
78$167,422,784$15,449,874$6,747,335$165,535,917
79$184,392,700$16,099,710$6,866,162$182,227,024
80$203,090,170$16,778,010$6,985,593$200,614,314
81$223,691,298$17,486,064$7,105,542$220,870,585
82$246,390,148$18,225,219$7,225,915$243,186,249
83$271,400,575$18,996,886$7,346,615$267,771,134
84$298,958,242$19,802,542$7,467,535$294,856,464
85$329,322,848$20,643,731$7,588,562$324,697,037
86$362,780,575$21,522,071$7,709,576$357,573,631
87$399,646,795$22,439,254$7,830,448$393,795,656
88$440,269,041$23,397,050$7,951,041$433,704,071
89$485,030,292$24,397,314$8,071,210$477,674,603
90$534,352,586$25,441,987$8,190,799$526,121,292
91$588,701,003$26,533,098$8,309,645$579,500,402
92$648,588,059$27,672,773$8,427,572$638,314,722
93$714,578,541$28,863,239$8,544,395$703,118,313
94$787,294,839$30,106,824$8,659,919$774,521,742
95$867,422,822$31,405,968$8,773,935$853,197,838
96$955,718,312$32,763,223$8,886,225$939,888,046
97$1,053,014,221$34,181,261$8,996,554$1,035,409,426
98$1,160,228,410$35,662,882$9,104,677$1,140,662,362
99$1,278,372,359$37,211,014$9,210,335$1,256,639,064
100$1,408,560,711$38,828,726$9,313,253$1,384,432,933