Can I retire at age 35 with 2,700,000?

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 $2,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$222,963$220,977$219,040$217,149$215,302$210,696
2 years$110,378$108,322$106,330$104,398$102,525$97,907
3 years$72,854$70,790$68,803$66,889$65,046$60,561
4 years$54,096$52,038$50,071$48,190$46,391$42,073
5 years$42,844$40,798$38,857$37,014$35,266$31,126
6 years$35,345$33,315$31,402$29,601$27,905$23,948
7 years$29,991$27,978$26,095$24,336$22,694$18,921
8 years$25,977$23,982$22,131$20,415$18,827$15,237
9 years$22,857$20,881$19,061$17,389$15,855$12,445
10 years$20,362$18,405$16,618$14,990$13,509$10,276
11 years$18,323$16,385$14,630$13,045$11,618$8,558
12 years$16,624$14,707$12,984$11,443$10,068$7,176
13 years$15,188$13,290$11,600$10,102$8,780$6,050
14 years$13,958$12,081$10,423$8,968$7,696$5,124
15 years$12,893$11,036$9,411$7,997$6,776$4,356
16 years$11,962$10,125$8,532$7,161$5,989$3,715
17 years$11,141$9,325$7,764$6,434$5,310$3,176
18 years$10,413$8,617$7,087$5,798$4,722$2,721
19 years$9,762$7,986$6,488$5,239$4,208$2,336
20 years$9,176$7,421$5,954$4,745$3,759$2,008
21 years$8,648$6,912$5,477$4,307$3,364$1,729
22 years$8,167$6,452$5,048$3,916$3,015$1,490
23 years$7,730$6,035$4,661$3,566$2,707$1,286
24 years$7,329$5,654$4,310$3,252$2,433$1,110
25 years$6,961$5,306$3,992$2,970$2,189$959
26 years$6,622$4,987$3,703$2,716$1,972$830
27 years$6,308$4,693$3,438$2,486$1,778$718
28 years$6,018$4,422$3,196$2,278$1,604$621
29 years$5,748$4,172$2,974$2,089$1,449$538
30 years$5,496$3,940$2,771$1,917$1,309$466
31 years$5,261$3,725$2,583$1,760$1,183$404
32 years$5,041$3,524$2,410$1,618$1,070$350
33 years$4,835$3,338$2,250$1,488$969$303
34 years$4,642$3,163$2,102$1,369$877$263
35 years$4,460$3,000$1,966$1,260$794$228
36 years$4,288$2,848$1,839$1,161$720$198
37 years$4,126$2,705$1,721$1,069$652$171
38 years$3,973$2,570$1,612$986$591$149
39 years$3,829$2,444$1,510$909$536$129
40 years$3,691$2,325$1,415$838$486$112
41 years$3,561$2,214$1,327$773$441$97
42 years$3,437$2,108$1,245$714$400$84
43 years$3,320$2,009$1,168$659$363$73
44 years$3,208$1,915$1,097$608$330$63
45 years$3,101$1,826$1,030$562$299$55
46 years$3,000$1,742$967$519$272$48
47 years$2,903$1,662$909$479$247$41
48 years$2,810$1,587$854$443$224$36
49 years$2,721$1,515$802$409$204$31
50 years$2,636$1,447$754$378$185$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,700,000, adding $2,016 every year, while hoping to spend $23,551 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: 42/47/11 Blend
34$2,700,000$2,700,000$2,700,000$2,700,000
35$2,977,480$2,834,380$2,792,530$3,092,855
36$3,256,124$2,948,206$2,861,021$3,287,617
37$3,562,402$3,066,821$2,931,018$3,495,867
38$3,899,105$3,190,433$3,002,545$3,720,840
39$4,269,312$3,319,263$3,075,629$3,964,071
40$4,676,414$3,453,539$3,150,295$4,227,244
41$5,124,147$3,593,501$3,226,569$4,512,212
42$5,616,627$3,739,400$3,304,476$4,821,005
43$6,158,389$3,891,497$3,384,042$5,155,854
44$6,754,431$4,050,065$3,465,293$5,519,210
45$7,410,256$4,215,392$3,548,254$5,913,765
46$8,131,933$4,387,777$3,632,951$6,342,478
47$8,926,144$4,567,532$3,719,409$6,808,599
48$9,800,255$4,754,985$3,807,653$7,315,702
49$10,762,379$4,950,478$3,897,707$7,867,713
50$11,821,459$5,154,369$3,989,598$8,468,950
51$12,987,347$5,367,031$4,083,348$9,124,162
52$14,270,898$5,588,858$4,178,982$9,838,567
53$15,684,075$5,820,257$4,276,524$10,617,908
54$17,240,059$6,061,658$4,375,995$11,468,499
55$18,953,373$6,313,508$4,477,420$12,397,285
56$20,840,023$6,576,275$4,580,819$13,411,909
57$22,917,643$6,850,451$4,686,214$14,520,775
58$25,205,667$7,136,547$4,793,627$15,733,134
59$27,725,507$7,435,100$4,903,076$17,059,164
60$30,500,761$7,746,672$5,014,580$18,510,065
61$33,557,428$8,071,849$5,128,159$20,098,163
62$36,924,162$8,411,246$5,243,828$21,837,024
63$40,632,535$8,765,505$5,361,605$23,741,580
64$44,717,338$9,135,299$5,481,503$25,828,267
65$49,216,910$9,521,332$5,603,537$28,115,180
66$54,173,498$9,924,341$5,727,719$30,622,235
67$59,633,657$10,345,095$5,854,059$33,371,361
68$65,648,687$10,784,403$5,982,567$36,386,703
69$72,275,121$11,243,106$6,113,251$39,694,841
70$79,575,255$11,722,090$6,246,117$43,325,046
71$87,617,737$12,222,278$6,381,167$47,309,546
72$96,478,214$12,744,638$6,518,405$51,683,834
73$106,240,050$13,290,183$6,657,829$56,486,990
74$116,995,106$13,859,973$6,799,438$61,762,055
75$128,844,613$14,455,118$6,943,225$67,556,430
76$141,900,124$15,076,779$7,089,183$73,922,318
77$156,284,568$15,726,172$7,237,302$80,917,213
78$172,133,410$16,404,571$7,387,567$88,604,440
79$189,595,930$17,113,307$7,539,963$97,053,748
80$208,836,631$17,853,776$7,694,469$106,341,961
81$230,036,795$18,627,438$7,851,061$116,553,701
82$253,396,188$19,435,823$8,009,712$127,782,178
83$279,134,953$20,280,531$8,170,390$140,130,070
84$307,495,680$21,163,239$8,333,060$153,710,480
85$338,745,704$22,085,703$8,497,682$168,648,001
86$373,179,622$23,049,759$8,664,211$185,079,887
87$411,122,079$24,057,332$8,832,598$203,157,340
88$452,930,827$25,110,437$9,002,786$223,046,928
89$499,000,108$26,211,186$9,174,716$244,932,157
90$549,764,372$27,361,786$9,348,321$269,015,190
91$605,702,377$28,564,553$9,523,529$295,518,748
92$667,341,713$29,821,909$9,700,261$324,688,207
93$735,263,778$31,136,394$9,878,430$356,793,903
94$810,109,271$32,510,664$10,057,945$392,133,676
95$892,584,234$33,947,504$10,238,703$431,035,675
96$983,466,723$35,449,829$10,420,598$473,861,439
97$1,083,614,152$37,020,694$10,603,511$521,009,305
98$1,193,971,384$38,663,296$10,787,317$572,918,159
99$1,315,579,654$40,380,987$10,971,881$630,071,561
100$1,449,586,398$42,177,274$11,157,058$693,002,306