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%14.3%
1 years$255,995$253,715$251,490$249,319$247,198$242,804
2 years$126,730$124,370$122,083$119,865$117,714$113,301
3 years$83,648$81,277$78,996$76,799$74,682$70,389
4 years$62,110$59,747$57,489$55,329$53,264$49,123
5 years$49,192$46,843$44,613$42,498$40,490$36,514
6 years$40,582$38,251$36,054$33,986$32,039$28,232
7 years$34,434$32,123$29,961$27,942$26,056$22,419
8 years$29,826$27,535$25,410$23,440$21,616$18,148
9 years$26,243$23,974$21,885$19,965$18,204$14,903
10 years$23,379$21,132$19,080$17,210$15,511$12,374
11 years$21,037$18,813$16,798$14,978$13,340$10,364
12 years$19,087$16,885$14,908$13,138$11,560$8,741
13 years$17,438$15,259$13,319$11,599$10,080$7,414
14 years$16,026$13,870$11,967$10,296$8,836$6,317
15 years$14,803$12,671$10,805$9,182$7,780$5,404
16 years$13,734$11,625$9,796$8,222$6,876$4,638
17 years$12,792$10,706$8,914$7,387$6,097$3,991
18 years$11,956$9,893$8,137$6,657$5,421$3,442
19 years$11,208$9,169$7,449$6,015$4,832$2,974
20 years$10,536$8,520$6,837$5,448$4,316$2,575
21 years$9,929$7,936$6,288$4,945$3,862$2,232
22 years$9,377$7,408$5,796$4,496$3,462$1,937
23 years$8,875$6,929$5,351$4,094$3,108$1,683
24 years$8,415$6,492$4,949$3,734$2,793$1,464
25 years$7,992$6,092$4,584$3,410$2,514$1,274
26 years$7,603$5,726$4,251$3,118$2,264$1,109
27 years$7,243$5,389$3,948$2,854$2,041$967
28 years$6,909$5,078$3,670$2,615$1,842$843
29 years$6,599$4,790$3,415$2,398$1,663$735
30 years$6,310$4,524$3,181$2,201$1,503$641
31 years$6,041$4,276$2,966$2,021$1,359$560
32 years$5,788$4,046$2,767$1,858$1,229$489
33 years$5,552$3,832$2,584$1,708$1,112$427
34 years$5,329$3,632$2,414$1,572$1,007$373
35 years$5,120$3,445$2,257$1,447$912$326
36 years$4,924$3,270$2,111$1,333$826$285
37 years$4,738$3,105$1,976$1,228$749$249
38 years$4,562$2,951$1,850$1,132$679$218
39 years$4,396$2,806$1,734$1,043$616$190
40 years$4,238$2,670$1,625$962$559$166
41 years$4,089$2,542$1,524$888$507$145
42 years$3,947$2,420$1,429$819$460$127
43 years$3,812$2,306$1,341$756$417$111
44 years$3,683$2,198$1,259$698$379$97
45 years$3,561$2,096$1,182$645$344$85
46 years$3,444$2,000$1,110$596$312$74
47 years$3,333$1,908$1,043$550$283$65
48 years$3,226$1,822$980$509$257$57
49 years$3,124$1,740$921$470$234$50
50 years$3,027$1,662$866$435$212$44

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 $3,141 every year, while hoping to spend $53,120 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: 44/27/29 Blend
34$3,100,000$3,100,000$3,100,000$3,100,000
35$3,419,440$3,255,140$3,207,090$3,540,965
36$3,711,704$3,358,123$3,258,008$3,731,159
37$4,031,998$3,464,371$3,308,852$3,931,916
38$4,383,125$3,573,989$3,359,562$4,148,541
39$4,768,174$3,687,084$3,410,077$4,382,543
40$5,190,543$3,803,767$3,460,331$4,635,584
41$5,653,979$3,924,152$3,510,252$4,909,490
42$6,162,606$4,048,356$3,559,766$5,206,273
43$6,720,968$4,176,503$3,608,795$5,528,147
44$7,334,072$4,308,716$3,657,255$5,877,549
45$8,007,430$4,445,126$3,705,056$6,257,164
46$8,747,117$4,585,866$3,752,104$6,669,947
47$9,559,825$4,731,076$3,798,302$7,119,150
48$10,452,925$4,880,896$3,843,542$7,608,359
49$11,434,537$5,035,474$3,887,715$8,141,519
50$12,513,610$5,194,962$3,930,704$8,722,977
51$13,700,000$5,359,517$3,972,384$9,357,519
52$15,004,566$5,529,300$4,012,625$10,050,418
53$16,439,275$5,704,478$4,051,290$10,807,482
54$18,017,307$5,885,223$4,088,235$11,635,108
55$19,753,186$6,071,714$4,123,305$12,540,343
56$21,662,917$6,264,133$4,156,341$13,530,951
57$23,764,129$6,462,670$4,187,173$14,615,484
58$26,076,250$6,667,521$4,215,623$15,803,364
59$28,620,685$6,878,887$4,241,504$17,104,971
60$31,421,019$7,096,977$4,264,619$18,531,740
61$34,503,240$7,322,005$4,284,761$20,096,273
62$37,895,981$7,554,194$4,301,711$21,812,451
63$41,630,795$7,793,773$4,315,241$23,695,569
64$45,742,446$8,040,978$4,325,112$25,762,480
65$50,269,243$8,296,054$4,331,071$28,031,752
66$55,253,396$8,559,251$4,332,853$30,523,844
67$60,741,419$8,830,831$4,330,180$33,261,302
68$66,784,565$9,111,062$4,322,761$36,268,964
69$73,439,307$9,400,221$4,310,291$39,574,203
70$80,767,880$9,698,595$4,292,449$43,207,177
71$88,838,856$10,006,479$4,268,898$47,201,122
72$97,727,800$10,324,177$4,239,287$51,592,658
73$107,517,979$10,652,005$4,203,246$56,422,138
74$118,301,147$10,990,288$4,160,390$61,734,028
75$130,178,413$11,339,361$4,110,312$67,577,328
76$143,261,193$11,699,571$4,052,589$74,006,033
77$157,672,260$12,071,276$3,986,776$81,079,641
78$173,546,907$12,454,845$3,912,409$88,863,720
79$191,034,218$12,850,659$3,829,002$97,430,520
80$210,298,479$13,259,112$3,736,044$106,859,658
81$231,520,726$13,680,610$3,633,003$117,238,872
82$254,900,453$14,115,573$3,519,323$128,664,845
83$280,657,499$14,564,436$3,394,419$141,244,119
84$309,034,114$15,027,644$3,257,683$155,094,104
85$340,297,256$15,505,660$3,108,477$170,344,180
86$374,741,100$15,998,961$2,946,135$187,136,925
87$412,689,822$16,508,040$2,769,960$205,629,455
88$454,500,655$17,033,406$2,579,225$225,994,912
89$500,567,262$17,575,583$2,373,170$248,424,097
90$551,323,451$18,135,115$2,150,999$273,127,271
91$607,247,268$18,712,561$1,911,883$300,336,139
92$668,865,513$19,308,499$1,654,954$330,306,041
93$736,758,708$19,923,528$1,379,308$363,318,358
94$811,566,579$20,558,264$1,083,998$399,683,174
95$893,994,096$21,213,345$768,037$439,742,198
96$984,818,122$21,889,428$430,395$483,871,995
97$1,084,894,754$22,587,192$69,996$532,487,539
98$1,195,167,394$23,307,340$0$586,046,132
99$1,316,675,666$24,050,597$0$645,149,069
100$1,450,565,219$24,817,712$0$710,283,792