Can I retire at age 35 with 3,300,000?

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 $3,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$272,511$270,084$267,715$265,404$263,147$254,316
2 years$134,906$132,394$129,959$127,598$125,308$116,498
3 years$89,044$86,521$84,092$81,753$79,500$70,989
4 years$66,118$63,602$61,197$58,899$56,700$48,551
5 years$52,365$49,865$47,492$45,240$43,103$35,338
6 years$43,200$40,718$38,380$36,179$34,106$26,732
7 years$36,656$34,195$31,894$29,744$27,737$20,753
8 years$31,750$29,312$27,049$24,952$23,011$16,410
9 years$27,937$25,521$23,297$21,253$19,378$13,154
10 years$24,887$22,496$20,311$18,321$16,511$10,654
11 years$22,394$20,026$17,881$15,944$14,200$8,698
12 years$20,318$17,975$15,869$13,985$12,306$7,146
13 years$18,563$16,244$14,178$12,347$10,731$5,900
14 years$17,060$14,765$12,739$10,960$9,406$4,891
15 years$15,758$13,488$11,502$9,775$8,282$4,069
16 years$14,620$12,375$10,428$8,752$7,320$3,393
17 years$13,617$11,397$9,489$7,864$6,490$2,836
18 years$12,727$10,531$8,662$7,087$5,771$2,375
19 years$11,931$9,760$7,930$6,404$5,144$1,992
20 years$11,216$9,070$7,278$5,800$4,594$1,673
21 years$10,569$8,448$6,694$5,264$4,112$1,406
22 years$9,982$7,886$6,170$4,786$3,685$1,183
23 years$9,447$7,376$5,697$4,359$3,308$996
24 years$8,958$6,911$5,268$3,975$2,973$839
25 years$8,508$6,485$4,880$3,630$2,676$708
26 years$8,093$6,095$4,526$3,319$2,410$597
27 years$7,710$5,736$4,202$3,038$2,173$503
28 years$7,355$5,405$3,907$2,784$1,961$425
29 years$7,025$5,099$3,635$2,553$1,770$359
30 years$6,717$4,816$3,386$2,343$1,600$303
31 years$6,430$4,552$3,157$2,152$1,446$256
32 years$6,162$4,307$2,945$1,977$1,308$216
33 years$5,910$4,079$2,750$1,818$1,184$182
34 years$5,673$3,866$2,570$1,673$1,072$154
35 years$5,451$3,667$2,402$1,540$971$130
36 years$5,241$3,481$2,247$1,418$880$110
37 years$5,043$3,306$2,104$1,307$797$93
38 years$4,856$3,142$1,970$1,205$723$79
39 years$4,679$2,987$1,846$1,111$655$66
40 years$4,512$2,842$1,730$1,025$595$56
41 years$4,353$2,706$1,622$945$539$47
42 years$4,201$2,577$1,522$872$489$40
43 years$4,058$2,455$1,428$805$444$34
44 years$3,921$2,340$1,340$744$403$29
45 years$3,791$2,232$1,258$687$366$24
46 years$3,666$2,129$1,182$634$332$20
47 years$3,548$2,032$1,110$586$302$17
48 years$3,434$1,939$1,043$541$274$15
49 years$3,326$1,852$981$500$249$12
50 years$3,222$1,769$922$463$226$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,300,000, adding $5,524 every year, while hoping to spend $27,170 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: 52/32/16 Blend
34$3,300,000$3,300,000$3,300,000$3,300,000
35$3,642,298$3,467,398$3,416,248$3,815,607
36$3,984,904$3,608,392$3,501,784$4,075,971
37$4,361,545$3,755,384$3,589,274$4,355,678
38$4,775,664$3,908,639$3,678,756$4,659,296
39$5,231,054$4,068,435$3,770,267$4,989,097
40$5,731,894$4,235,061$3,863,844$5,347,580
41$6,282,790$4,408,821$3,959,525$5,737,491
42$6,888,813$4,590,032$4,057,348$6,161,850
43$7,555,554$4,779,026$4,157,351$6,623,978
44$8,289,171$4,976,149$4,259,573$7,127,528
45$9,096,450$5,181,764$4,364,052$7,676,515
46$9,984,868$5,396,250$4,470,827$8,275,358
47$10,962,662$5,620,004$4,579,938$8,928,917
48$12,038,910$5,853,441$4,691,423$9,642,541
49$13,223,615$6,096,995$4,805,322$10,422,113
50$14,527,797$6,351,121$4,921,673$11,274,107
51$15,963,600$6,616,293$5,040,516$12,205,648
52$17,544,404$6,893,009$5,161,891$13,224,578
53$19,284,955$7,181,788$5,285,836$14,339,527
54$21,201,499$7,483,174$5,412,390$15,559,994
55$23,311,939$7,797,737$5,541,592$16,896,436
56$25,636,003$8,126,072$5,673,481$18,360,364
57$28,195,427$8,468,802$5,808,095$19,964,449
58$31,014,167$8,826,579$5,945,472$21,722,645
59$34,118,616$9,200,086$6,085,650$23,650,310
60$37,537,861$9,590,036$6,228,665$25,764,359
61$41,303,952$9,997,177$6,374,555$28,083,415
62$45,452,207$10,422,290$6,523,354$30,627,985
63$50,021,544$10,866,195$6,675,098$33,420,652
64$55,054,850$11,329,747$6,829,823$36,486,283
65$60,599,383$11,813,843$6,987,560$39,852,268
66$66,707,219$12,319,421$7,148,343$43,548,768
67$73,435,747$12,847,463$7,312,203$47,609,004
68$80,848,202$13,398,998$7,479,171$52,069,563
69$89,014,271$13,975,101$7,649,276$56,970,744
70$98,010,745$14,576,900$7,822,545$62,356,934
71$107,922,245$15,205,572$7,999,005$68,277,026
72$118,842,023$15,862,353$8,178,680$74,784,875
73$130,872,836$16,548,536$8,361,592$81,939,802
74$144,127,923$17,265,472$8,547,764$89,807,156
75$158,732,071$18,014,579$8,737,213$98,458,924
76$174,822,789$18,797,340$8,929,956$107,974,404
77$192,551,611$19,615,308$9,126,008$118,440,956
78$212,085,526$20,470,109$9,325,380$129,954,819
79$233,608,550$21,363,444$9,528,080$142,622,014
80$257,323,467$22,297,098$9,734,116$156,559,345
81$283,453,741$23,272,936$9,943,489$171,895,493
82$312,245,626$24,292,914$10,156,200$188,772,227
83$343,970,491$25,359,078$10,372,244$207,345,740
84$378,927,381$26,473,572$10,591,613$227,788,114
85$417,445,838$27,638,642$10,814,297$250,288,943
86$459,889,015$28,856,637$11,040,278$275,057,114
87$506,657,103$30,130,021$11,269,535$302,322,777
88$558,191,108$31,461,372$11,502,045$332,339,507
89$614,977,013$32,853,391$11,737,775$365,386,693
90$677,550,368$34,308,906$11,976,690$401,772,172
91$746,501,345$35,830,882$12,218,749$441,835,124
92$822,480,307$37,422,421$12,463,902$485,949,267
93$906,203,953$39,086,774$12,712,097$534,526,379
94$998,462,076$40,827,346$12,963,272$588,020,178
95$1,100,125,025$42,647,703$13,217,359$646,930,596
96$1,212,151,919$44,551,582$13,474,283$711,808,487
97$1,335,599,702$46,542,897$13,733,958$783,260,822
98$1,471,633,120$48,625,747$13,996,294$861,956,411
99$1,621,535,717$50,804,427$14,261,189$948,632,199
100$1,786,721,954$53,083,438$14,528,532$1,044,100,222