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%19.6%
1 years$222,963$220,977$219,040$217,149$215,302$207,005
2 years$110,378$108,322$106,330$104,398$102,525$94,264
3 years$72,854$70,790$68,803$66,889$65,046$57,082
4 years$54,096$52,038$50,071$48,190$46,391$38,785
5 years$42,844$40,798$38,857$37,014$35,266$28,037
6 years$35,345$33,315$31,402$29,601$27,905$21,058
7 years$29,991$27,978$26,095$24,336$22,694$16,227
8 years$25,977$23,982$22,131$20,415$18,827$12,733
9 years$22,857$20,881$19,061$17,389$15,855$10,125
10 years$20,362$18,405$16,618$14,990$13,509$8,133
11 years$18,323$16,385$14,630$13,045$11,618$6,584
12 years$16,624$14,707$12,984$11,443$10,068$5,363
13 years$15,188$13,290$11,600$10,102$8,780$4,389
14 years$13,958$12,081$10,423$8,968$7,696$3,606
15 years$12,893$11,036$9,411$7,997$6,776$2,971
16 years$11,962$10,125$8,532$7,161$5,989$2,455
17 years$11,141$9,325$7,764$6,434$5,310$2,033
18 years$10,413$8,617$7,087$5,798$4,722$1,686
19 years$9,762$7,986$6,488$5,239$4,208$1,400
20 years$9,176$7,421$5,954$4,745$3,759$1,164
21 years$8,648$6,912$5,477$4,307$3,364$969
22 years$8,167$6,452$5,048$3,916$3,015$807
23 years$7,730$6,035$4,661$3,566$2,707$672
24 years$7,329$5,654$4,310$3,252$2,433$561
25 years$6,961$5,306$3,992$2,970$2,189$468
26 years$6,622$4,987$3,703$2,716$1,972$390
27 years$6,308$4,693$3,438$2,486$1,778$326
28 years$6,018$4,422$3,196$2,278$1,604$272
29 years$5,748$4,172$2,974$2,089$1,449$227
30 years$5,496$3,940$2,771$1,917$1,309$190
31 years$5,261$3,725$2,583$1,760$1,183$159
32 years$5,041$3,524$2,410$1,618$1,070$133
33 years$4,835$3,338$2,250$1,488$969$111
34 years$4,642$3,163$2,102$1,369$877$93
35 years$4,460$3,000$1,966$1,260$794$77
36 years$4,288$2,848$1,839$1,161$720$65
37 years$4,126$2,705$1,721$1,069$652$54
38 years$3,973$2,570$1,612$986$591$45
39 years$3,829$2,444$1,510$909$536$38
40 years$3,691$2,325$1,415$838$486$32
41 years$3,561$2,214$1,327$773$441$26
42 years$3,437$2,108$1,245$714$400$22
43 years$3,320$2,009$1,168$659$363$18
44 years$3,208$1,915$1,097$608$330$15
45 years$3,101$1,826$1,030$562$299$13
46 years$3,000$1,742$967$519$272$11
47 years$2,903$1,662$909$479$247$9
48 years$2,810$1,587$854$443$224$8
49 years$2,721$1,515$802$409$204$6
50 years$2,636$1,447$754$378$185$5

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 $6,503 every year, while hoping to spend $41,124 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: 40/46/14 Blend
34$2,700,000$2,700,000$2,700,000$2,700,000
35$2,982,108$2,839,008$2,797,158$3,088,712
36$3,242,527$2,934,364$2,847,107$3,260,178
37$3,528,131$3,033,014$2,897,351$3,441,039
38$3,841,445$3,135,076$2,947,857$3,635,801
39$4,185,250$3,240,672$2,998,588$3,845,745
40$4,562,611$3,349,930$3,049,506$4,072,277
41$4,976,902$3,462,982$3,100,569$4,316,943
42$5,431,841$3,579,963$3,151,733$4,581,441
43$5,931,524$3,701,016$3,202,952$4,867,638
44$6,480,462$3,826,289$3,254,173$5,177,586
45$7,083,625$3,955,933$3,305,344$5,513,543
46$7,746,489$4,090,108$3,356,407$5,877,991
47$8,475,086$4,228,978$3,407,301$6,273,658
48$9,276,061$4,372,714$3,457,962$6,703,548
49$10,156,735$4,521,493$3,508,320$7,170,964
50$11,125,175$4,675,499$3,558,302$7,679,539
51$12,190,269$4,834,925$3,607,831$8,233,272
52$13,361,808$4,999,967$3,656,824$8,836,564
53$14,650,579$5,170,833$3,705,195$9,494,257
54$16,068,470$5,347,735$3,752,851$10,211,680
55$17,628,577$5,530,898$3,799,695$10,994,700
56$19,345,331$5,720,550$3,845,623$11,849,774
57$21,234,630$5,916,933$3,890,527$12,784,011
58$23,313,994$6,120,295$3,934,292$13,805,238
59$25,602,727$6,330,894$3,976,796$14,922,069
60$28,122,098$6,549,000$4,017,911$16,143,993
61$30,895,543$6,774,892$4,057,502$17,481,455
62$33,948,886$7,008,860$4,095,427$18,945,959
63$37,310,584$7,251,206$4,131,535$20,550,171
64$41,011,990$7,502,242$4,165,668$22,308,041
65$45,087,656$7,762,294$4,197,660$24,234,932
66$49,575,651$8,031,701$4,227,336$26,347,764
67$54,517,927$8,310,813$4,254,511$28,665,172
68$59,960,710$8,599,998$4,278,992$31,207,682
69$65,954,938$8,899,634$4,300,574$33,997,900
70$72,556,742$9,210,116$4,319,044$37,060,729
71$79,827,974$9,531,856$4,334,176$40,423,599
72$87,836,791$9,865,280$4,345,734$44,116,725
73$96,658,297$10,210,833$4,353,470$48,173,394
74$106,375,255$10,568,975$4,357,123$52,630,271
75$117,078,863$10,940,187$4,356,419$57,527,749
76$128,869,620$11,324,969$4,351,071$62,910,327
77$141,858,268$11,723,839$4,340,779$68,827,029
78$156,166,842$12,137,339$4,325,226$75,331,863
79$171,929,821$12,566,029$4,304,082$82,484,330
80$189,295,393$13,010,495$4,276,999$90,349,984
81$208,426,859$13,471,345$4,243,614$99,001,049
82$229,504,169$13,949,211$4,203,546$108,517,098
83$252,725,625$14,444,753$4,156,395$118,985,803
84$278,309,748$14,958,655$4,101,744$130,503,758
85$306,497,344$15,491,631$4,039,154$143,177,392
86$337,553,775$16,044,422$3,968,167$157,123,968
87$371,771,463$16,617,803$3,888,304$172,472,691
88$409,472,653$17,212,575$3,799,063$189,365,920
89$451,012,449$17,829,577$3,699,918$207,960,516
90$496,782,173$18,469,681$3,590,319$228,429,313
91$547,213,052$19,133,792$3,469,692$250,962,752
92$602,780,293$19,822,857$3,337,435$275,770,673
93$664,007,564$20,537,859$3,192,921$303,084,294
94$731,471,943$21,279,821$3,035,491$333,158,389
95$805,809,360$22,049,811$2,864,459$366,273,694
96$887,720,603$22,848,940$2,679,107$402,739,547
97$977,977,931$23,678,366$2,478,684$442,896,812
98$1,077,432,367$24,539,292$2,262,406$487,121,087
99$1,187,021,727$25,432,976$2,029,455$535,826,251
100$1,307,779,476$26,360,724$1,778,975$589,468,362