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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.4%
1 years$222,963$220,977$219,040$217,149$215,302$214,035
2 years$110,378$108,322$106,330$104,398$102,525$101,246
3 years$72,854$70,790$68,803$66,889$65,046$63,796
4 years$54,096$52,038$50,071$48,190$46,391$45,179
5 years$42,844$40,798$38,857$37,014$35,266$34,095
6 years$35,345$33,315$31,402$29,601$27,905$26,777
7 years$29,991$27,978$26,095$24,336$22,694$21,610
8 years$25,977$23,982$22,131$20,415$18,827$17,787
9 years$22,857$20,881$19,061$17,389$15,855$14,858
10 years$20,362$18,405$16,618$14,990$13,509$12,555
11 years$18,323$16,385$14,630$13,045$11,618$10,707
12 years$16,624$14,707$12,984$11,443$10,068$9,198
13 years$15,188$13,290$11,600$10,102$8,780$7,950
14 years$13,958$12,081$10,423$8,968$7,696$6,906
15 years$12,893$11,036$9,411$7,997$6,776$6,025
16 years$11,962$10,125$8,532$7,161$5,989$5,275
17 years$11,141$9,325$7,764$6,434$5,310$4,633
18 years$10,413$8,617$7,087$5,798$4,722$4,079
19 years$9,762$7,986$6,488$5,239$4,208$3,600
20 years$9,176$7,421$5,954$4,745$3,759$3,184
21 years$8,648$6,912$5,477$4,307$3,364$2,820
22 years$8,167$6,452$5,048$3,916$3,015$2,502
23 years$7,730$6,035$4,661$3,566$2,707$2,223
24 years$7,329$5,654$4,310$3,252$2,433$1,977
25 years$6,961$5,306$3,992$2,970$2,189$1,760
26 years$6,622$4,987$3,703$2,716$1,972$1,568
27 years$6,308$4,693$3,438$2,486$1,778$1,399
28 years$6,018$4,422$3,196$2,278$1,604$1,248
29 years$5,748$4,172$2,974$2,089$1,449$1,115
30 years$5,496$3,940$2,771$1,917$1,309$996
31 years$5,261$3,725$2,583$1,760$1,183$890
32 years$5,041$3,524$2,410$1,618$1,070$796
33 years$4,835$3,338$2,250$1,488$969$712
34 years$4,642$3,163$2,102$1,369$877$638
35 years$4,460$3,000$1,966$1,260$794$571
36 years$4,288$2,848$1,839$1,161$720$511
37 years$4,126$2,705$1,721$1,069$652$458
38 years$3,973$2,570$1,612$986$591$410
39 years$3,829$2,444$1,510$909$536$368
40 years$3,691$2,325$1,415$838$486$329
41 years$3,561$2,214$1,327$773$441$295
42 years$3,437$2,108$1,245$714$400$265
43 years$3,320$2,009$1,168$659$363$237
44 years$3,208$1,915$1,097$608$330$213
45 years$3,101$1,826$1,030$562$299$191
46 years$3,000$1,742$967$519$272$171
47 years$2,903$1,662$909$479$247$154
48 years$2,810$1,587$854$443$224$138
49 years$2,721$1,515$802$409$204$124
50 years$2,636$1,447$754$378$185$111

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 $6,783 every year, while hoping to spend $51,265 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: 75/6/19 Blend
34$2,700,000$2,700,000$2,700,000$2,700,000
35$2,982,397$2,839,297$2,797,447$3,192,376
36$3,232,056$2,923,877$2,836,616$3,417,015
37$3,505,461$3,010,883$2,875,378$3,656,220
38$3,804,982$3,100,380$2,913,668$3,917,078
39$4,133,227$3,192,434$2,951,411$4,201,734
40$4,493,066$3,287,114$2,988,534$4,512,552
41$4,887,663$3,384,487$3,024,954$4,852,134
42$5,320,504$3,484,626$3,060,589$5,223,349
43$5,795,424$3,587,601$3,095,348$5,629,355
44$6,316,651$3,693,488$3,129,136$6,073,632
45$6,888,842$3,802,361$3,161,854$6,560,013
46$7,517,125$3,914,298$3,193,397$7,092,723
47$8,207,149$4,029,376$3,223,654$7,676,414
48$8,965,139$4,147,677$3,252,507$8,316,212
49$9,797,952$4,269,281$3,279,834$9,017,765
50$10,713,140$4,394,272$3,305,506$9,787,296
51$11,719,024$4,522,736$3,329,384$10,631,662
52$12,824,773$4,654,759$3,351,327$11,558,416
53$14,040,486$4,790,428$3,371,183$12,575,883
54$15,377,291$4,929,834$3,388,793$13,693,235
55$16,847,448$5,073,069$3,403,990$14,920,576
56$18,464,462$5,220,224$3,416,599$16,269,042
57$20,243,218$5,371,396$3,426,435$17,750,904
58$22,200,111$5,526,679$3,433,306$19,379,682
59$24,353,208$5,686,172$3,437,007$21,170,273
60$26,722,414$5,849,973$3,437,326$23,139,095
61$29,329,663$6,018,184$3,434,038$25,304,238
62$32,199,120$6,190,907$3,426,910$27,685,636
63$35,357,413$6,368,244$3,415,695$30,305,255
64$38,833,883$6,550,302$3,400,134$33,187,301
65$42,660,858$6,737,186$3,379,958$36,358,447
66$46,873,961$6,929,003$3,354,882$39,848,088
67$51,512,443$7,125,863$3,324,609$43,688,614
68$56,619,558$7,327,875$3,288,828$47,915,718
69$62,242,962$7,535,151$3,247,214$52,568,734
70$68,435,173$7,747,802$3,199,424$57,691,006
71$75,254,057$7,965,940$3,145,101$63,330,300
72$82,763,379$8,189,680$3,083,871$69,539,250
73$91,033,405$8,419,136$3,015,342$76,375,862
74$100,141,561$8,654,422$2,939,104$83,904,056
75$110,173,165$8,895,654$2,854,729$92,194,270
76$121,222,233$9,142,946$2,761,768$101,324,130
77$133,392,366$9,396,415$2,659,752$111,379,175
78$146,797,725$9,656,177$2,548,191$122,453,672
79$161,564,109$9,922,346$2,426,571$134,651,502
80$177,830,144$10,195,037$2,294,358$148,087,141
81$195,748,589$10,474,364$2,150,989$162,886,741
82$215,487,779$10,760,442$1,995,881$179,189,325
83$237,233,210$11,053,381$1,828,421$197,148,092
84$261,189,295$11,353,294$1,647,970$216,931,871
85$287,581,286$11,660,288$1,453,860$238,726,711
86$316,657,406$11,974,472$1,245,394$262,737,638
87$348,691,191$12,295,950$1,021,843$289,190,592
88$383,984,065$12,624,824$782,447$318,334,560
89$422,868,193$12,961,194$526,413$350,443,926
90$465,709,611$13,305,155$252,910$385,821,064
91$512,911,683$13,656,799$0$424,799,189
92$564,918,907$14,016,214$0$467,753,409
93$622,221,110$14,383,483$0$515,135,717
94$685,358,072$14,758,683$0$567,340,919
95$754,924,623$15,141,886$0$624,860,644
96$831,576,252$15,533,157$0$688,236,658
97$916,035,302$15,932,553$0$758,065,979
98$1,009,097,780$16,340,125$0$835,006,510
99$1,111,640,877$16,755,915$0$919,783,250
100$1,224,631,247$17,179,955$0$1,013,195,139