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%11.4%
1 years$220,486$218,522$216,606$214,736$212,910$211,656
2 years$109,152$107,119$105,149$103,238$101,385$100,121
3 years$72,045$70,003$68,038$66,146$64,323$63,087
4 years$53,495$51,460$49,514$47,654$45,876$44,677
5 years$42,368$40,345$38,425$36,603$34,874$33,716
6 years$34,953$32,945$31,053$29,272$27,595$26,480
7 years$29,658$27,667$25,805$24,066$22,442$21,370
8 years$25,689$23,716$21,885$20,188$18,618$17,589
9 years$22,603$20,649$18,850$17,196$15,679$14,693
10 years$20,136$18,201$16,433$14,823$13,359$12,416
11 years$18,119$16,203$14,468$12,901$11,489$10,588
12 years$16,439$14,543$12,840$11,316$9,956$9,096
13 years$15,019$13,143$11,471$9,990$8,682$7,862
14 years$13,803$11,946$10,307$8,868$7,611$6,829
15 years$12,750$10,913$9,306$7,909$6,701$5,958
16 years$11,829$10,013$8,437$7,081$5,922$5,216
17 years$11,018$9,221$7,678$6,362$5,251$4,581
18 years$10,297$8,521$7,009$5,734$4,669$4,034
19 years$9,653$7,897$6,416$5,181$4,162$3,560
20 years$9,074$7,338$5,888$4,692$3,717$3,148
21 years$8,552$6,835$5,416$4,259$3,327$2,789
22 years$8,077$6,381$4,992$3,872$2,982$2,474
23 years$7,644$5,968$4,609$3,526$2,677$2,198
24 years$7,248$5,591$4,263$3,216$2,406$1,955
25 years$6,884$5,247$3,948$2,937$2,165$1,740
26 years$6,548$4,931$3,662$2,686$1,950$1,551
27 years$6,238$4,641$3,400$2,458$1,758$1,383
28 years$5,951$4,373$3,161$2,252$1,586$1,234
29 years$5,684$4,126$2,941$2,065$1,432$1,102
30 years$5,435$3,896$2,740$1,896$1,294$985
31 years$5,203$3,683$2,554$1,741$1,170$880
32 years$4,985$3,485$2,383$1,600$1,059$787
33 years$4,782$3,300$2,225$1,471$958$704
34 years$4,590$3,128$2,079$1,354$867$630
35 years$4,410$2,967$1,944$1,246$786$564
36 years$4,241$2,816$1,818$1,148$712$505
37 years$4,080$2,675$1,702$1,057$645$453
38 years$3,929$2,542$1,594$975$585$406
39 years$3,786$2,417$1,493$899$530$364
40 years$3,650$2,300$1,400$829$481$326
41 years$3,522$2,189$1,312$765$436$292
42 years$3,399$2,085$1,231$706$396$262
43 years$3,283$1,986$1,155$652$359$235
44 years$3,172$1,893$1,084$602$326$211
45 years$3,067$1,806$1,018$556$296$189
46 years$2,966$1,722$956$513$269$169
47 years$2,870$1,644$898$474$244$152
48 years$2,779$1,569$844$438$222$136
49 years$2,691$1,498$794$405$201$122
50 years$2,607$1,431$746$374$183$110

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 $5,710 every year, while hoping to spend $28,476 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: 64/12/24 Blend
34$2,670,000$2,670,000$2,670,000$2,670,000
35$2,948,230$2,806,720$2,765,335$3,118,085
36$3,218,651$2,913,951$2,827,675$3,340,635
37$3,515,701$3,025,482$2,891,150$3,579,997
38$3,842,065$3,141,493$2,955,766$3,840,884
39$4,200,703$3,262,174$3,021,532$4,125,409
40$4,594,875$3,387,720$3,088,453$4,435,896
41$5,028,172$3,518,338$3,156,536$4,774,907
42$5,504,550$3,654,242$3,225,785$5,145,259
43$6,028,370$3,795,655$3,296,204$5,550,058
44$6,604,433$3,942,812$3,367,797$5,992,720
45$7,238,032$4,095,956$3,440,564$6,477,008
46$7,934,996$4,255,343$3,514,508$7,007,067
47$8,701,749$4,421,238$3,589,627$7,587,461
48$9,545,368$4,593,920$3,665,921$8,223,217
49$10,473,652$4,773,678$3,743,385$8,919,869
50$11,495,193$4,960,816$3,822,017$9,683,515
51$12,619,457$5,155,651$3,901,809$10,520,870
52$13,856,877$5,358,513$3,982,754$11,439,331
53$15,218,945$5,569,747$4,064,844$12,447,047
54$16,718,328$5,789,715$4,148,066$13,552,992
55$18,368,980$6,018,793$4,232,409$14,767,052
56$20,186,278$6,257,376$4,317,857$16,100,119
57$22,187,165$6,505,875$4,404,392$17,564,191
58$24,390,313$6,764,719$4,491,996$19,172,485
59$26,816,293$7,034,359$4,580,646$20,939,561
60$29,487,776$7,315,263$4,670,319$22,881,461
61$32,429,741$7,607,923$4,760,986$25,015,858
62$35,669,714$7,912,851$4,852,619$27,362,223
63$39,238,026$8,230,582$4,945,183$29,942,008
64$43,168,102$8,561,678$5,038,644$32,778,847
65$47,496,771$8,906,722$5,132,961$35,898,779
66$52,264,618$9,266,328$5,228,092$39,330,495
67$57,516,365$9,641,135$5,323,989$43,105,606
68$63,301,295$10,031,811$5,420,603$47,258,942
69$69,673,712$10,439,055$5,517,879$51,828,877
70$76,693,461$10,863,598$5,615,757$56,857,694
71$84,426,484$11,306,205$5,714,175$62,391,985
72$92,945,449$11,767,673$5,813,064$68,483,083
73$102,330,435$12,248,838$5,912,351$75,187,552
74$112,669,681$12,750,574$6,011,958$82,567,719
75$124,060,430$13,273,793$6,111,799$90,692,259
76$136,609,836$13,819,451$6,211,787$99,636,846
77$150,435,982$14,388,546$6,311,824$109,484,862
78$165,668,990$14,982,124$6,411,809$120,328,188
79$182,452,255$15,601,275$6,511,631$132,268,066
80$200,943,790$16,247,143$6,611,177$145,416,056
81$221,317,727$16,920,923$6,710,321$159,895,089
82$243,765,952$17,623,865$6,808,934$175,840,624
83$268,499,921$18,357,277$6,906,875$193,401,928
84$295,752,654$19,122,525$7,003,997$212,743,480
85$325,780,938$19,921,041$7,100,144$234,046,528
86$358,867,744$20,754,323$7,195,149$257,510,795
87$395,324,905$21,623,935$7,288,837$283,356,363
88$435,496,054$22,531,517$7,381,022$311,825,751
89$479,759,873$23,478,783$7,471,508$343,186,202
90$528,533,663$24,467,526$7,560,086$377,732,206
91$582,277,285$25,499,624$7,646,538$415,788,275
92$641,497,502$26,577,040$7,730,631$457,712,010
93$706,752,762$27,701,829$7,812,121$503,897,470
94$778,658,467$28,876,142$7,890,751$554,778,894
95$857,892,787$30,102,229$7,966,247$610,834,798
96$945,203,059$31,382,446$8,038,325$672,592,489
97$1,041,412,843$32,719,258$8,106,680$740,633,045
98$1,147,429,696$34,115,244$8,170,997$815,596,792
99$1,264,253,739$35,573,105$8,230,939$898,189,353
100$1,392,987,100$37,095,667$8,286,156$989,188,308