Can I retire at age 35 with 3,100,000?

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 $3,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$255,995$253,715$251,490$249,319$247,198$240,442
2 years$126,730$124,370$122,083$119,865$117,714$110,956
3 years$83,648$81,277$78,996$76,799$74,682$68,135
4 years$62,110$59,747$57,489$55,329$53,264$46,978
5 years$49,192$46,843$44,613$42,498$40,490$34,482
6 years$40,582$38,251$36,054$33,986$32,039$26,314
7 years$34,434$32,123$29,961$27,942$26,056$20,615
8 years$29,826$27,535$25,410$23,440$21,616$16,456
9 years$26,243$23,974$21,885$19,965$18,204$13,320
10 years$23,379$21,132$19,080$17,210$15,511$10,897
11 years$21,037$18,813$16,798$14,978$13,340$8,988
12 years$19,087$16,885$14,908$13,138$11,560$7,463
13 years$17,438$15,259$13,319$11,599$10,080$6,229
14 years$16,026$13,870$11,967$10,296$8,836$5,222
15 years$14,803$12,671$10,805$9,182$7,780$4,393
16 years$13,734$11,625$9,796$8,222$6,876$3,706
17 years$12,792$10,706$8,914$7,387$6,097$3,134
18 years$11,956$9,893$8,137$6,657$5,421$2,656
19 years$11,208$9,169$7,449$6,015$4,832$2,255
20 years$10,536$8,520$6,837$5,448$4,316$1,917
21 years$9,929$7,936$6,288$4,945$3,862$1,631
22 years$9,377$7,408$5,796$4,496$3,462$1,390
23 years$8,875$6,929$5,351$4,094$3,108$1,185
24 years$8,415$6,492$4,949$3,734$2,793$1,011
25 years$7,992$6,092$4,584$3,410$2,514$863
26 years$7,603$5,726$4,251$3,118$2,264$738
27 years$7,243$5,389$3,948$2,854$2,041$630
28 years$6,909$5,078$3,670$2,615$1,842$539
29 years$6,599$4,790$3,415$2,398$1,663$461
30 years$6,310$4,524$3,181$2,201$1,503$394
31 years$6,041$4,276$2,966$2,021$1,359$337
32 years$5,788$4,046$2,767$1,858$1,229$289
33 years$5,552$3,832$2,584$1,708$1,112$247
34 years$5,329$3,632$2,414$1,572$1,007$212
35 years$5,120$3,445$2,257$1,447$912$181
36 years$4,924$3,270$2,111$1,333$826$155
37 years$4,738$3,105$1,976$1,228$749$133
38 years$4,562$2,951$1,850$1,132$679$114
39 years$4,396$2,806$1,734$1,043$616$98
40 years$4,238$2,670$1,625$962$559$84
41 years$4,089$2,542$1,524$888$507$72
42 years$3,947$2,420$1,429$819$460$61
43 years$3,812$2,306$1,341$756$417$53
44 years$3,683$2,198$1,259$698$379$45
45 years$3,561$2,096$1,182$645$344$39
46 years$3,444$2,000$1,110$596$312$33
47 years$3,333$1,908$1,043$550$283$28
48 years$3,226$1,822$980$509$257$24
49 years$3,124$1,740$921$470$234$21
50 years$3,027$1,662$866$435$212$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,100,000, adding $4,787 every year, while hoping to spend $32,693 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: 55/31/14 Blend
34$3,100,000$3,100,000$3,100,000$3,100,000
35$3,421,138$3,256,838$3,208,788$3,596,547
36$3,735,309$3,381,638$3,281,497$3,841,088
37$4,080,429$3,511,457$3,355,546$4,103,279
38$4,459,622$3,646,507$3,430,946$4,388,020
39$4,876,327$3,787,009$3,507,706$4,697,470
40$5,334,332$3,933,193$3,585,835$5,034,001
41$5,837,814$4,085,300$3,665,340$5,400,222
42$6,391,372$4,243,580$3,746,229$5,799,006
43$7,000,073$4,408,296$3,828,509$6,233,509
44$7,669,499$4,579,722$3,912,183$6,707,204
45$8,405,803$4,758,143$3,997,256$7,223,915
46$9,215,762$4,943,859$4,083,731$7,787,846
47$10,106,842$5,137,180$4,171,608$8,403,624
48$11,087,271$5,338,433$4,260,888$9,076,342
49$12,166,114$5,547,958$4,351,569$9,811,606
50$13,353,359$5,766,109$4,443,648$10,615,583
51$14,660,011$5,993,258$4,537,120$11,495,065
52$16,098,197$6,229,793$4,631,979$12,457,526
53$17,681,279$6,476,119$4,728,216$13,511,196
54$19,423,978$6,732,657$4,825,820$14,665,133
55$21,342,518$6,999,852$4,924,779$15,929,313
56$23,454,774$7,278,163$5,025,078$17,314,717
57$25,780,442$7,568,075$5,126,699$18,833,440
58$28,341,227$7,870,090$5,229,624$20,498,795
59$31,161,044$8,184,736$5,333,828$22,325,448
60$34,266,246$8,512,564$5,439,287$24,329,547
61$37,685,873$8,854,149$5,545,972$26,528,874
62$41,451,922$9,210,092$5,653,852$28,943,015
63$45,599,654$9,581,023$5,762,892$31,593,542
64$50,167,923$9,967,597$5,873,053$34,504,211
65$55,199,544$10,370,502$5,984,294$37,701,191
66$60,741,697$10,790,457$6,096,567$41,213,305
67$66,846,371$11,228,210$6,209,824$45,072,299
68$73,570,857$11,684,548$6,324,008$49,313,146
69$80,978,284$12,160,291$6,439,062$53,974,365
70$89,138,219$12,656,295$6,554,921$59,098,393
71$98,127,322$13,173,458$6,671,516$64,731,974
72$108,030,070$13,712,718$6,788,772$70,926,604
73$118,939,551$14,275,056$6,906,610$77,739,011
74$130,958,347$14,861,496$7,024,943$85,231,691
75$144,199,500$15,473,110$7,143,680$93,473,496
76$158,787,577$16,111,021$7,262,722$102,540,275
77$174,859,850$16,776,401$7,381,963$112,515,595
78$192,567,587$17,470,477$7,501,291$123,491,524
79$212,077,482$18,194,531$7,620,586$135,569,493
80$233,573,228$18,949,907$7,739,718$148,861,259
81$257,257,252$19,738,006$7,858,553$163,489,948
82$283,352,622$20,560,299$7,976,945$179,591,219
83$312,105,156$21,418,320$8,094,739$197,314,540
84$343,785,741$22,313,678$8,211,773$216,824,596
85$378,692,891$23,248,052$8,327,871$238,302,836
86$417,155,562$24,223,202$8,442,851$261,949,186
87$459,536,259$25,240,969$8,556,516$287,983,933
88$506,234,458$26,303,277$8,668,660$316,649,795
89$557,690,377$27,412,142$8,779,065$348,214,211
90$614,389,130$28,569,671$8,887,497$382,971,862
91$676,865,307$29,778,071$8,993,714$421,247,445
92$745,708,021$31,039,649$9,097,457$463,398,736
93$821,566,470$32,356,823$9,198,452$509,819,959
94$905,156,061$33,732,119$9,296,412$560,945,504
95$997,265,170$35,168,183$9,391,032$617,254,023
96$1,098,762,579$36,667,785$9,481,993$679,272,938
97$1,210,605,679$38,233,823$9,568,956$747,583,418
98$1,333,849,508$39,869,331$9,651,566$822,825,859
99$1,469,656,712$41,577,482$9,729,449$905,705,918
100$1,619,308,520$43,361,602$9,802,208$997,001,171