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%13.9%
1 years$220,486$218,522$216,606$214,736$212,910$209,469
2 years$109,152$107,119$105,149$103,238$101,385$97,928
3 years$72,045$70,003$68,038$66,146$64,323$60,957
4 years$53,495$51,460$49,514$47,654$45,876$42,627
5 years$42,368$40,345$38,425$36,603$34,874$31,752
6 years$34,953$32,945$31,053$29,272$27,595$24,603
7 years$29,658$27,667$25,805$24,066$22,442$19,581
8 years$25,689$23,716$21,885$20,188$18,618$15,888
9 years$22,603$20,649$18,850$17,196$15,679$13,078
10 years$20,136$18,201$16,433$14,823$13,359$10,885
11 years$18,119$16,203$14,468$12,901$11,489$9,140
12 years$16,439$14,543$12,840$11,316$9,956$7,728
13 years$15,019$13,143$11,471$9,990$8,682$6,572
14 years$13,803$11,946$10,307$8,868$7,611$5,616
15 years$12,750$10,913$9,306$7,909$6,701$4,817
16 years$11,829$10,013$8,437$7,081$5,922$4,145
17 years$11,018$9,221$7,678$6,362$5,251$3,577
18 years$10,297$8,521$7,009$5,734$4,669$3,094
19 years$9,653$7,897$6,416$5,181$4,162$2,682
20 years$9,074$7,338$5,888$4,692$3,717$2,328
21 years$8,552$6,835$5,416$4,259$3,327$2,025
22 years$8,077$6,381$4,992$3,872$2,982$1,763
23 years$7,644$5,968$4,609$3,526$2,677$1,536
24 years$7,248$5,591$4,263$3,216$2,406$1,340
25 years$6,884$5,247$3,948$2,937$2,165$1,170
26 years$6,548$4,931$3,662$2,686$1,950$1,022
27 years$6,238$4,641$3,400$2,458$1,758$894
28 years$5,951$4,373$3,161$2,252$1,586$782
29 years$5,684$4,126$2,941$2,065$1,432$684
30 years$5,435$3,896$2,740$1,896$1,294$599
31 years$5,203$3,683$2,554$1,741$1,170$524
32 years$4,985$3,485$2,383$1,600$1,059$459
33 years$4,782$3,300$2,225$1,471$958$403
34 years$4,590$3,128$2,079$1,354$867$353
35 years$4,410$2,967$1,944$1,246$786$309
36 years$4,241$2,816$1,818$1,148$712$271
37 years$4,080$2,675$1,702$1,057$645$238
38 years$3,929$2,542$1,594$975$585$209
39 years$3,786$2,417$1,493$899$530$183
40 years$3,650$2,300$1,400$829$481$161
41 years$3,522$2,189$1,312$765$436$141
42 years$3,399$2,085$1,231$706$396$124
43 years$3,283$1,986$1,155$652$359$108
44 years$3,172$1,893$1,084$602$326$95
45 years$3,067$1,806$1,018$556$296$84
46 years$2,966$1,722$956$513$269$73
47 years$2,870$1,644$898$474$244$64
48 years$2,779$1,569$844$438$222$56
49 years$2,691$1,498$794$405$201$50
50 years$2,607$1,431$746$374$183$44

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 $6,712 every year, while hoping to spend $46,726 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: 65/28/7 Blend
34$2,670,000$2,670,000$2,670,000$2,670,000
35$2,949,263$2,807,753$2,766,368$3,136,813
36$3,200,372$2,895,617$2,809,326$3,350,263
37$3,475,528$2,986,220$2,852,156$3,577,196
38$3,777,134$3,079,648$2,894,806$3,823,897
39$4,107,838$3,175,986$2,937,218$4,092,282
40$4,470,555$3,275,327$2,979,332$4,384,463
41$4,868,496$3,377,763$3,021,084$4,702,762
42$5,305,199$3,483,389$3,062,406$5,049,737
43$5,784,558$3,592,304$3,103,226$5,428,201
44$6,310,867$3,704,611$3,143,468$5,841,254
45$6,888,852$3,820,414$3,183,051$6,292,308
46$7,523,721$3,939,820$3,221,889$6,785,117
47$8,221,211$4,062,942$3,259,893$7,323,818
48$8,987,643$4,189,894$3,296,968$7,912,965
49$9,829,978$4,320,795$3,333,012$8,557,573
50$10,755,888$4,455,766$3,367,920$9,263,164
51$11,773,824$4,594,933$3,401,580$10,035,821
52$12,893,094$4,738,426$3,433,874$10,882,243
53$14,123,959$4,886,377$3,464,677$11,809,808
54$15,477,718$5,038,925$3,493,859$12,826,642
55$16,966,823$5,196,211$3,521,282$13,941,695
56$18,604,995$5,358,380$3,546,800$15,164,829
57$20,407,348$5,525,584$3,570,261$16,506,902
58$22,390,537$5,697,978$3,591,505$17,979,880
59$24,572,913$5,875,720$3,610,361$19,596,942
60$26,974,695$6,058,975$3,626,654$21,372,607
61$29,618,163$6,247,914$3,640,195$23,322,869
62$32,527,864$6,442,710$3,650,790$25,465,349
63$35,730,846$6,643,543$3,658,232$27,819,462
64$39,256,915$6,850,600$3,662,306$30,406,594
65$43,138,911$7,064,069$3,662,783$33,250,310
66$47,413,021$7,284,150$3,659,428$36,376,572
67$52,119,119$7,511,043$3,651,989$39,813,982
68$57,301,144$7,744,958$3,640,204$43,594,056
69$63,007,509$7,986,111$3,623,800$47,751,519
70$69,291,567$8,234,721$3,602,489$52,324,628
71$76,212,102$8,491,018$3,575,968$57,355,539
72$83,833,895$8,755,237$3,543,922$62,890,699
73$92,228,329$9,027,620$3,506,019$68,981,287
74$101,474,060$9,308,415$3,461,913$75,683,696
75$111,657,768$9,597,881$3,411,240$83,060,060
76$122,874,964$9,896,281$3,353,620$91,178,848
77$135,230,899$10,203,887$3,288,656$100,115,501
78$148,841,554$10,520,982$3,215,929$109,953,149
79$163,834,735$10,847,852$3,135,005$120,783,393
80$180,351,278$11,184,797$3,045,428$132,707,169
81$198,546,379$11,532,122$2,946,720$145,835,699
82$218,591,056$11,890,143$2,838,382$160,291,543
83$240,673,769$12,259,184$2,719,892$176,209,750
84$265,002,190$12,639,581$2,590,706$193,739,136
85$291,805,171$13,031,678$2,450,252$213,043,689
86$321,334,898$13,435,830$2,297,935$234,304,110
87$353,869,273$13,852,401$2,133,131$257,719,524
88$389,714,539$14,281,769$1,955,191$283,509,355
89$429,208,165$14,724,319$1,763,433$311,915,400
90$472,722,038$15,180,450$1,557,148$343,204,106
91$520,665,967$15,650,574$1,335,594$377,669,087
92$573,491,554$16,135,111$1,097,995$415,633,894
93$631,696,458$16,634,496$843,543$457,455,071
94$695,829,088$17,149,178$571,393$503,525,513
95$766,493,783$17,679,616$280,663$554,278,181
96$844,356,517$18,226,285$0$610,190,185
97$930,151,180$18,789,671$0$671,789,496
98$1,024,686,514$19,370,279$0$739,675,796
99$1,128,853,739$19,968,623$0$814,466,632
100$1,243,634,971$20,585,236$0$896,865,651