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%16.1%
1 years$222,963$220,977$219,040$217,149$215,302$209,927
2 years$110,378$108,322$106,330$104,398$102,525$97,143
3 years$72,854$70,790$68,803$66,889$65,046$59,827
4 years$54,096$52,038$50,071$48,190$46,391$41,374
5 years$42,844$40,798$38,857$37,014$35,266$30,465
6 years$35,345$33,315$31,402$29,601$27,905$23,325
7 years$29,991$27,978$26,095$24,336$22,694$18,336
8 years$25,977$23,982$22,131$20,415$18,827$14,688
9 years$22,857$20,881$19,061$17,389$15,855$11,932
10 years$20,362$18,405$16,618$14,990$13,509$9,798
11 years$18,323$16,385$14,630$13,045$11,618$8,113
12 years$16,624$14,707$12,984$11,443$10,068$6,763
13 years$15,188$13,290$11,600$10,102$8,780$5,668
14 years$13,958$12,081$10,423$8,968$7,696$4,771
15 years$12,893$11,036$9,411$7,997$6,776$4,030
16 years$11,962$10,125$8,532$7,161$5,989$3,415
17 years$11,141$9,325$7,764$6,434$5,310$2,901
18 years$10,413$8,617$7,087$5,798$4,722$2,469
19 years$9,762$7,986$6,488$5,239$4,208$2,105
20 years$9,176$7,421$5,954$4,745$3,759$1,798
21 years$8,648$6,912$5,477$4,307$3,364$1,537
22 years$8,167$6,452$5,048$3,916$3,015$1,316
23 years$7,730$6,035$4,661$3,566$2,707$1,127
24 years$7,329$5,654$4,310$3,252$2,433$966
25 years$6,961$5,306$3,992$2,970$2,189$829
26 years$6,622$4,987$3,703$2,716$1,972$712
27 years$6,308$4,693$3,438$2,486$1,778$611
28 years$6,018$4,422$3,196$2,278$1,604$525
29 years$5,748$4,172$2,974$2,089$1,449$451
30 years$5,496$3,940$2,771$1,917$1,309$388
31 years$5,261$3,725$2,583$1,760$1,183$334
32 years$5,041$3,524$2,410$1,618$1,070$287
33 years$4,835$3,338$2,250$1,488$969$247
34 years$4,642$3,163$2,102$1,369$877$212
35 years$4,460$3,000$1,966$1,260$794$183
36 years$4,288$2,848$1,839$1,161$720$157
37 years$4,126$2,705$1,721$1,069$652$135
38 years$3,973$2,570$1,612$986$591$117
39 years$3,829$2,444$1,510$909$536$100
40 years$3,691$2,325$1,415$838$486$86
41 years$3,561$2,214$1,327$773$441$74
42 years$3,437$2,108$1,245$714$400$64
43 years$3,320$2,009$1,168$659$363$55
44 years$3,208$1,915$1,097$608$330$48
45 years$3,101$1,826$1,030$562$299$41
46 years$3,000$1,742$967$519$272$35
47 years$2,903$1,662$909$479$247$30
48 years$2,810$1,587$854$443$224$26
49 years$2,721$1,515$802$409$204$23
50 years$2,636$1,447$754$378$185$19

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 $6,539 every year, while hoping to spend $45,119 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: 58/32/10 Blend
34$2,700,000$2,700,000$2,700,000$2,700,000
35$2,982,145$2,839,045$2,797,195$3,147,641
36$3,238,317$2,930,152$2,842,895$3,350,963
37$3,519,107$3,024,211$2,888,613$3,566,850
38$3,826,978$3,121,319$2,934,304$3,801,070
39$4,164,643$3,221,576$2,979,915$4,055,386
40$4,535,089$3,325,087$3,025,396$4,331,737
41$4,941,609$3,431,957$3,070,688$4,632,257
42$5,387,829$3,542,298$3,115,731$4,959,296
43$5,877,741$3,656,225$3,160,462$5,315,436
44$6,415,746$3,773,855$3,204,812$5,703,524
45$7,006,689$3,895,310$3,248,710$6,126,690
46$7,655,909$4,020,719$3,292,080$6,588,381
47$8,369,288$4,150,210$3,334,840$7,092,392
48$9,153,304$4,283,919$3,376,906$7,642,901
49$10,015,095$4,421,985$3,418,188$8,244,508
50$10,962,527$4,564,554$3,458,588$8,902,278
51$12,004,262$4,711,775$3,498,008$9,621,789
52$13,149,846$4,863,801$3,536,341$10,409,182
53$14,409,796$5,020,793$3,573,474$11,271,223
54$15,795,698$5,182,915$3,609,289$12,215,359
55$17,320,320$5,350,339$3,643,661$13,249,796
56$18,997,727$5,523,240$3,676,458$14,383,570
57$20,843,419$5,701,801$3,707,542$15,626,634
58$22,874,470$5,886,212$3,736,767$16,989,951
59$25,109,696$6,076,667$3,763,980$18,485,597
60$27,569,830$6,273,368$3,789,017$20,126,873
61$30,277,714$6,476,525$3,811,711$21,928,434
62$33,258,518$6,686,352$3,831,881$23,906,421
63$36,539,978$6,903,075$3,849,340$26,078,618
64$40,152,653$7,126,923$3,863,890$28,464,613
65$44,130,217$7,358,135$3,875,324$31,085,990
66$48,509,776$7,596,960$3,883,424$33,966,525
67$53,332,215$7,843,653$3,887,961$37,132,414
68$58,642,588$8,098,479$3,888,694$40,612,517
69$64,490,540$8,361,712$3,885,373$44,438,632
70$70,930,774$8,633,635$3,877,732$48,645,790
71$78,023,571$8,914,542$3,865,494$53,272,592
72$85,835,356$9,204,735$3,848,369$58,361,565
73$94,439,325$9,504,530$3,826,052$63,959,567
74$103,916,135$9,814,250$3,798,224$70,118,228
75$114,354,665$10,134,233$3,764,549$76,894,435
76$125,852,856$10,464,826$3,724,677$84,350,868
77$138,518,635$10,806,390$3,678,240$92,556,593
78$152,470,930$11,159,297$3,624,855$101,587,710
79$167,840,795$11,523,933$3,564,119$111,528,072
80$184,772,649$11,900,698$3,495,609$122,470,076
81$203,425,632$12,290,006$3,418,885$134,515,534
82$223,975,115$12,692,284$3,333,486$147,776,629
83$246,614,346$13,107,976$3,238,928$162,376,979
84$271,556,284$13,537,541$3,134,706$178,452,801
85$299,035,597$13,981,453$3,020,291$196,154,191
86$329,310,889$14,440,205$2,895,132$215,646,545
87$362,667,131$14,914,306$2,758,650$237,112,119
88$399,418,356$15,404,284$2,610,242$260,751,745
89$439,910,619$15,910,685$2,449,276$286,786,726
90$484,525,268$16,434,075$2,275,093$315,460,927
91$533,682,540$16,975,040$2,087,003$347,043,072
92$587,845,529$17,534,186$1,884,287$381,829,282
93$647,524,554$18,112,142$1,666,192$420,145,867
94$713,281,981$18,709,560$1,431,932$462,352,408
95$785,737,529$19,327,114$1,180,687$508,845,144
96$865,574,117$19,965,503$911,601$560,060,719
97$953,544,315$20,625,451$623,777$616,480,296
98$1,050,477,445$21,307,707$316,284$678,634,100
99$1,157,287,410$22,013,050$0$747,106,422
100$1,274,981,321$22,742,285$0$822,542,400