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

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 $2,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$220,486$218,522$216,606$214,736$212,910$211,038
2 years$109,152$107,119$105,149$103,238$101,385$99,499
3 years$72,045$70,003$68,038$66,146$64,323$62,481
4 years$53,495$51,460$49,514$47,654$45,876$44,092
5 years$42,368$40,345$38,425$36,603$34,874$33,153
6 years$34,953$32,945$31,053$29,272$27,595$25,940
7 years$29,658$27,667$25,805$24,066$22,442$20,853
8 years$25,689$23,716$21,885$20,188$18,618$17,095
9 years$22,603$20,649$18,850$17,196$15,679$14,222
10 years$20,136$18,201$16,433$14,823$13,359$11,968
11 years$18,119$16,203$14,468$12,901$11,489$10,162
12 years$16,439$14,543$12,840$11,316$9,956$8,692
13 years$15,019$13,143$11,471$9,990$8,682$7,479
14 years$13,803$11,946$10,307$8,868$7,611$6,467
15 years$12,750$10,913$9,306$7,909$6,701$5,615
16 years$11,829$10,013$8,437$7,081$5,922$4,893
17 years$11,018$9,221$7,678$6,362$5,251$4,277
18 years$10,297$8,521$7,009$5,734$4,669$3,747
19 years$9,653$7,897$6,416$5,181$4,162$3,291
20 years$9,074$7,338$5,888$4,692$3,717$2,895
21 years$8,552$6,835$5,416$4,259$3,327$2,551
22 years$8,077$6,381$4,992$3,872$2,982$2,252
23 years$7,644$5,968$4,609$3,526$2,677$1,990
24 years$7,248$5,591$4,263$3,216$2,406$1,760
25 years$6,884$5,247$3,948$2,937$2,165$1,559
26 years$6,548$4,931$3,662$2,686$1,950$1,381
27 years$6,238$4,641$3,400$2,458$1,758$1,225
28 years$5,951$4,373$3,161$2,252$1,586$1,087
29 years$5,684$4,126$2,941$2,065$1,432$965
30 years$5,435$3,896$2,740$1,896$1,294$858
31 years$5,203$3,683$2,554$1,741$1,170$762
32 years$4,985$3,485$2,383$1,600$1,059$678
33 years$4,782$3,300$2,225$1,471$958$603
34 years$4,590$3,128$2,079$1,354$867$537
35 years$4,410$2,967$1,944$1,246$786$478
36 years$4,241$2,816$1,818$1,148$712$425
37 years$4,080$2,675$1,702$1,057$645$379
38 years$3,929$2,542$1,594$975$585$337
39 years$3,786$2,417$1,493$899$530$300
40 years$3,650$2,300$1,400$829$481$268
41 years$3,522$2,189$1,312$765$436$238
42 years$3,399$2,085$1,231$706$396$212
43 years$3,283$1,986$1,155$652$359$189
44 years$3,172$1,893$1,084$602$326$169
45 years$3,067$1,806$1,018$556$296$150
46 years$2,966$1,722$956$513$269$134
47 years$2,870$1,644$898$474$244$120
48 years$2,779$1,569$844$438$222$107
49 years$2,691$1,498$794$405$201$95
50 years$2,607$1,431$746$374$183$85

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 $2,007 every year, while hoping to spend $22,853 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: 69/22/9 Blend
34$2,670,000$2,670,000$2,670,000$2,670,000
35$2,944,410$2,802,900$2,761,515$3,142,412
36$3,220,425$2,915,927$2,829,711$3,386,936
37$3,523,827$3,033,726$2,899,425$3,651,372
38$3,857,386$3,156,507$2,970,684$3,940,033
39$4,224,152$3,284,490$3,043,515$4,255,294
40$4,627,489$3,417,903$3,117,946$4,599,767
41$5,071,099$3,556,986$3,194,003$4,976,324
42$5,559,062$3,701,990$3,271,714$5,388,129
43$6,095,876$3,853,176$3,351,105$5,838,664
44$6,686,492$4,010,819$3,432,205$6,331,761
45$7,336,370$4,175,205$3,515,039$6,871,640
46$8,051,523$4,346,633$3,599,636$7,462,944
47$8,838,577$4,525,416$3,686,022$8,110,787
48$9,704,833$4,711,883$3,774,225$8,820,799
49$10,658,336$4,906,375$3,864,272$9,599,177
50$11,707,950$5,109,252$3,956,189$10,452,749
51$12,863,442$5,320,886$4,050,003$11,389,029
52$14,135,575$5,541,671$4,145,739$12,416,293
53$15,536,208$5,772,017$4,243,425$13,543,658
54$17,078,407$6,012,352$4,343,086$14,781,159
55$18,776,572$6,263,124$4,444,747$16,139,851
56$20,646,569$6,524,804$4,548,432$17,631,911
57$22,705,881$6,797,882$4,654,167$19,270,746
58$24,973,775$7,082,872$4,761,975$21,071,128
59$27,471,478$7,380,310$4,871,880$23,049,325
60$30,222,383$7,690,761$4,983,903$25,223,256
61$33,252,269$8,014,810$5,098,066$27,612,659
62$36,589,540$8,353,076$5,214,391$30,239,278
63$40,265,497$8,706,200$5,332,897$33,127,063
64$44,314,632$9,074,859$5,453,603$36,302,400
65$48,774,954$9,459,756$5,576,528$39,794,354
66$53,688,345$9,861,630$5,701,688$43,634,943
67$59,100,961$10,281,254$5,829,099$47,859,443
68$65,063,660$10,719,437$5,958,775$52,506,714
69$71,632,488$11,177,024$6,090,728$57,619,569
70$78,869,205$11,654,901$6,224,971$63,245,175
71$86,841,868$12,153,996$6,361,512$69,435,495
72$95,625,475$12,675,279$6,500,359$76,247,782
73$105,302,671$13,219,765$6,641,519$83,745,111
74$115,964,528$13,788,518$6,784,994$91,996,979
75$127,711,405$14,382,650$6,930,787$101,079,954
76$140,653,897$15,003,328$7,078,896$111,078,398
77$154,913,874$15,651,771$7,229,319$122,085,262
78$170,625,637$16,329,256$7,382,050$134,202,959
79$187,937,183$17,037,120$7,537,079$147,544,330
80$207,011,599$17,776,763$7,694,395$162,233,707
81$228,028,608$18,549,650$7,853,983$178,408,083
82$251,186,260$19,357,316$8,015,824$196,218,406
83$276,702,802$20,201,368$8,179,898$215,830,994
84$304,818,741$21,083,489$8,346,178$237,429,111
85$335,799,111$22,005,439$8,514,634$261,214,687
86$369,935,979$22,969,063$8,685,232$287,410,227
87$407,551,195$23,976,294$8,857,934$316,260,902
88$448,999,439$25,029,154$9,032,697$348,036,866
89$494,671,562$26,129,763$9,209,472$383,035,799
90$544,998,277$27,280,337$9,388,206$421,585,715
91$600,454,230$28,483,202$9,568,839$464,048,055
92$661,562,472$29,740,790$9,751,306$510,821,093
93$728,899,406$31,055,650$9,935,536$562,343,697
94$803,100,219$32,430,451$10,121,451$619,099,459
95$884,864,888$33,867,990$10,308,966$681,621,264
96$974,964,779$35,371,194$10,497,989$750,496,312
97$1,074,249,935$36,943,130$10,688,419$826,371,658
98$1,183,657,097$38,587,012$10,880,150$909,960,312
99$1,304,218,550$40,306,205$11,073,064$1,002,047,970
100$1,437,071,867$42,104,234$11,267,037$1,103,500,421