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%15.7%
1 years$220,486$218,522$216,606$214,736$212,910$207,931
2 years$109,152$107,119$105,149$103,238$101,385$96,398
3 years$72,045$70,003$68,038$66,146$64,323$59,483
4 years$53,495$51,460$49,514$47,654$45,876$41,220
5 years$42,368$40,345$38,425$36,603$34,874$30,415
6 years$34,953$32,945$31,053$29,272$27,595$23,337
7 years$29,658$27,667$25,805$24,066$22,442$18,387
8 years$25,689$23,716$21,885$20,188$18,618$14,764
9 years$22,603$20,649$18,850$17,196$15,679$12,022
10 years$20,136$18,201$16,433$14,823$13,359$9,896
11 years$18,119$16,203$14,468$12,901$11,489$8,216
12 years$16,439$14,543$12,840$11,316$9,956$6,866
13 years$15,019$13,143$11,471$9,990$8,682$5,770
14 years$13,803$11,946$10,307$8,868$7,611$4,870
15 years$12,750$10,913$9,306$7,909$6,701$4,126
16 years$11,829$10,013$8,437$7,081$5,922$3,506
17 years$11,018$9,221$7,678$6,362$5,251$2,987
18 years$10,297$8,521$7,009$5,734$4,669$2,550
19 years$9,653$7,897$6,416$5,181$4,162$2,181
20 years$9,074$7,338$5,888$4,692$3,717$1,868
21 years$8,552$6,835$5,416$4,259$3,327$1,602
22 years$8,077$6,381$4,992$3,872$2,982$1,375
23 years$7,644$5,968$4,609$3,526$2,677$1,182
24 years$7,248$5,591$4,263$3,216$2,406$1,017
25 years$6,884$5,247$3,948$2,937$2,165$875
26 years$6,548$4,931$3,662$2,686$1,950$753
27 years$6,238$4,641$3,400$2,458$1,758$649
28 years$5,951$4,373$3,161$2,252$1,586$560
29 years$5,684$4,126$2,941$2,065$1,432$483
30 years$5,435$3,896$2,740$1,896$1,294$416
31 years$5,203$3,683$2,554$1,741$1,170$359
32 years$4,985$3,485$2,383$1,600$1,059$310
33 years$4,782$3,300$2,225$1,471$958$268
34 years$4,590$3,128$2,079$1,354$867$231
35 years$4,410$2,967$1,944$1,246$786$199
36 years$4,241$2,816$1,818$1,148$712$172
37 years$4,080$2,675$1,702$1,057$645$149
38 years$3,929$2,542$1,594$975$585$128
39 years$3,786$2,417$1,493$899$530$111
40 years$3,650$2,300$1,400$829$481$96
41 years$3,522$2,189$1,312$765$436$83
42 years$3,399$2,085$1,231$706$396$72
43 years$3,283$1,986$1,155$652$359$62
44 years$3,172$1,893$1,084$602$326$53
45 years$3,067$1,806$1,018$556$296$46
46 years$2,966$1,722$956$513$269$40
47 years$2,870$1,644$898$474$244$34
48 years$2,779$1,569$844$438$222$30
49 years$2,691$1,498$794$405$201$26
50 years$2,607$1,431$746$374$183$22

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 $3,388 every year, while hoping to spend $22,768 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: 79/14/7 Blend
34$2,670,000$2,670,000$2,670,000$2,670,000
35$2,945,835$2,804,325$2,762,940$3,175,999
36$3,222,085$2,917,512$2,831,273$3,440,552
37$3,525,749$3,035,482$2,901,133$3,727,364
38$3,859,601$3,158,445$2,972,546$4,041,303
39$4,226,693$3,286,622$3,045,539$4,385,064
40$4,630,391$3,420,242$3,120,140$4,761,611
41$5,074,402$3,559,545$3,196,376$5,174,210
42$5,562,812$3,704,783$3,274,275$5,626,455
43$6,100,120$3,856,219$3,353,864$6,122,304
44$6,691,285$4,014,127$3,435,172$6,666,119
45$7,341,772$4,178,794$3,518,226$7,262,699
46$8,057,599$4,350,521$3,603,053$7,917,331
47$8,845,400$4,529,623$3,689,681$8,635,838
48$9,712,483$4,716,427$3,778,137$9,424,633
49$10,666,902$4,911,277$3,868,450$10,290,780
50$11,717,529$5,114,533$3,960,647$11,242,057
51$12,874,142$5,326,571$4,054,754$12,287,036
52$14,147,515$5,547,783$4,150,798$13,435,153
53$15,549,519$5,778,581$4,248,807$14,696,807
54$17,093,234$6,019,396$4,348,806$16,083,451
55$18,793,074$6,270,676$4,450,822$17,607,701
56$20,664,922$6,532,894$4,554,879$19,283,456
57$22,726,280$6,806,542$4,661,003$21,126,026
58$24,996,433$7,092,135$4,769,219$23,152,278
59$27,496,632$7,390,212$4,879,551$25,380,794
60$30,250,294$7,701,338$4,992,021$27,832,045
61$33,283,223$8,026,103$5,106,653$30,528,585
62$36,623,853$8,365,124$5,223,468$33,495,260
63$40,303,519$8,719,048$5,342,487$36,759,444
64$44,356,748$9,088,551$5,463,730$40,351,299
65$48,821,588$9,474,341$5,587,216$44,304,054
66$53,739,966$9,877,160$5,712,964$48,654,318
67$59,158,083$10,297,781$5,840,989$53,442,431
68$65,126,852$10,737,018$5,971,307$58,712,836
69$71,702,378$11,195,718$6,103,932$64,514,501
70$78,946,483$11,674,771$6,238,877$70,901,381
71$86,927,297$12,175,107$6,376,151$77,932,925
72$95,719,894$12,697,700$6,515,765$85,674,635
73$105,407,005$13,243,570$6,657,726$94,198,687
74$116,079,798$13,813,783$6,802,038$103,584,605
75$127,838,736$14,409,457$6,948,705$113,920,015
76$140,794,528$15,031,761$7,097,727$125,301,470
77$155,069,173$15,681,920$7,249,104$137,835,361
78$170,797,109$16,361,215$7,402,829$151,638,914
79$188,126,488$17,070,988$7,558,898$166,841,305
80$207,220,567$17,812,644$7,717,299$183,584,868
81$228,259,256$18,587,655$7,878,019$202,026,443
82$251,440,810$19,397,560$8,041,043$222,338,854
83$276,983,705$20,243,973$8,206,350$244,712,536
84$305,128,697$21,128,581$8,373,916$269,357,333
85$336,141,096$22,053,154$8,543,715$296,504,478
86$370,313,273$23,019,543$8,715,714$326,408,772
87$407,967,413$24,029,687$8,889,877$359,350,986
88$449,458,565$25,085,618$9,066,164$395,640,514
89$495,177,986$26,189,461$9,244,528$435,618,285
90$545,556,840$27,343,443$9,424,918$479,659,986
91$601,070,263$28,549,898$9,607,279$528,179,601
92$662,241,855$29,811,268$9,791,548$581,633,318
93$729,648,615$31,130,111$9,977,656$640,523,834
94$803,926,395$32,509,107$10,165,528$705,405,096
95$885,775,897$33,951,063$10,355,083$776,887,529
96$975,969,293$35,458,919$10,546,233$855,643,794
97$1,075,357,508$37,035,754$10,738,879$942,415,139
98$1,184,878,261$38,684,794$10,932,919$1,038,018,386
99$1,305,564,911$40,409,416$11,128,239$1,143,353,647
100$1,438,556,215$42,213,160$11,324,718$1,259,412,812