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%16.8%
1 years$272,511$270,084$267,715$265,404$263,147$255,852
2 years$134,906$132,394$129,959$127,598$125,308$118,013
3 years$89,044$86,521$84,092$81,753$79,500$72,434
4 years$66,118$63,602$61,197$58,899$56,700$49,916
5 years$52,365$49,865$47,492$45,240$43,103$36,620
6 years$43,200$40,718$38,380$36,179$34,106$27,930
7 years$36,656$34,195$31,894$29,744$27,737$21,869
8 years$31,750$29,312$27,049$24,952$23,011$17,446
9 years$27,937$25,521$23,297$21,253$19,378$14,113
10 years$24,887$22,496$20,311$18,321$16,511$11,538
11 years$22,394$20,026$17,881$15,944$14,200$9,511
12 years$20,318$17,975$15,869$13,985$12,306$7,892
13 years$18,563$16,244$14,178$12,347$10,731$6,583
14 years$17,060$14,765$12,739$10,960$9,406$5,515
15 years$15,758$13,488$11,502$9,775$8,282$4,636
16 years$14,620$12,375$10,428$8,752$7,320$3,908
17 years$13,617$11,397$9,489$7,864$6,490$3,303
18 years$12,727$10,531$8,662$7,087$5,771$2,797
19 years$11,931$9,760$7,930$6,404$5,144$2,373
20 years$11,216$9,070$7,278$5,800$4,594$2,015
21 years$10,569$8,448$6,694$5,264$4,112$1,714
22 years$9,982$7,886$6,170$4,786$3,685$1,459
23 years$9,447$7,376$5,697$4,359$3,308$1,243
24 years$8,958$6,911$5,268$3,975$2,973$1,060
25 years$8,508$6,485$4,880$3,630$2,676$904
26 years$8,093$6,095$4,526$3,319$2,410$772
27 years$7,710$5,736$4,202$3,038$2,173$659
28 years$7,355$5,405$3,907$2,784$1,961$563
29 years$7,025$5,099$3,635$2,553$1,770$481
30 years$6,717$4,816$3,386$2,343$1,600$411
31 years$6,430$4,552$3,157$2,152$1,446$352
32 years$6,162$4,307$2,945$1,977$1,308$301
33 years$5,910$4,079$2,750$1,818$1,184$257
34 years$5,673$3,866$2,570$1,673$1,072$220
35 years$5,451$3,667$2,402$1,540$971$188
36 years$5,241$3,481$2,247$1,418$880$161
37 years$5,043$3,306$2,104$1,307$797$138
38 years$4,856$3,142$1,970$1,205$723$118
39 years$4,679$2,987$1,846$1,111$655$101
40 years$4,512$2,842$1,730$1,025$595$86
41 years$4,353$2,706$1,622$945$539$74
42 years$4,201$2,577$1,522$872$489$63
43 years$4,058$2,455$1,428$805$444$54
44 years$3,921$2,340$1,340$744$403$46
45 years$3,791$2,232$1,258$687$366$40
46 years$3,666$2,129$1,182$634$332$34
47 years$3,548$2,032$1,110$586$302$29
48 years$3,434$1,939$1,043$541$274$25
49 years$3,326$1,852$981$500$249$21
50 years$3,222$1,769$922$463$226$18

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 $6,640 every year, while hoping to spend $38,072 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: 65/30/5 Blend
34$3,300,000$3,300,000$3,300,000$3,300,000
35$3,643,449$3,468,549$3,417,399$3,877,383
36$3,974,573$3,598,000$3,491,374$4,163,043
37$4,338,195$3,732,517$3,566,550$4,469,828
38$4,737,590$3,872,310$3,642,929$4,803,964
39$5,176,366$4,017,595$3,720,509$5,168,101
40$5,658,497$4,168,599$3,799,288$5,565,159
41$6,188,360$4,325,557$3,879,261$5,998,347
42$6,770,780$4,488,716$3,960,423$6,471,197
43$7,411,069$4,658,333$4,042,767$6,987,597
44$8,115,083$4,834,676$4,126,284$7,551,824
45$8,889,270$5,018,024$4,210,963$8,168,585
46$9,740,738$5,208,669$4,296,793$8,843,062
47$10,677,315$5,406,916$4,383,757$9,580,959
48$11,707,629$5,613,082$4,471,841$10,388,553
49$12,841,183$5,827,499$4,561,023$11,272,756
50$14,088,450$6,050,513$4,651,284$12,241,178
51$15,460,968$6,282,485$4,742,599$13,302,196
52$16,971,452$6,523,792$4,834,940$14,465,035
53$18,633,909$6,774,826$4,928,280$15,739,850
54$20,463,775$7,036,000$5,022,584$17,137,826
55$22,478,057$7,307,741$5,117,818$18,671,278
56$24,695,495$7,590,497$5,213,942$20,353,770
57$27,136,740$7,884,735$5,310,913$22,200,238
58$29,824,544$8,190,944$5,408,685$24,227,131
59$32,783,980$8,509,632$5,507,208$26,452,566
60$36,042,674$8,841,333$5,606,428$28,896,497
61$39,631,069$9,186,600$5,706,285$31,580,902
62$43,582,709$9,546,015$5,806,717$34,529,988
63$47,934,559$9,920,183$5,907,655$37,770,421
64$52,727,349$10,309,737$6,009,027$41,331,572
65$58,005,964$10,715,339$6,110,754$45,245,795
66$63,819,860$11,137,679$6,212,753$49,548,729
67$70,223,538$11,577,478$6,314,933$54,279,636
68$77,277,054$12,035,489$6,417,198$59,481,766
69$85,046,587$12,512,501$6,519,447$65,202,766
70$93,605,060$13,009,335$6,621,570$71,495,125
71$103,032,836$13,526,852$6,723,452$78,416,671
72$113,418,466$14,065,949$6,824,969$86,031,110
73$124,859,533$14,627,564$6,925,989$94,408,629
74$137,463,569$15,212,678$7,026,373$103,626,556
75$151,349,071$15,822,317$7,125,974$113,770,083
76$166,646,616$16,457,551$7,224,635$124,933,075
77$183,500,099$17,119,499$7,322,188$137,218,946
78$202,068,087$17,809,332$7,418,459$150,741,637
79$222,525,315$18,528,273$7,513,261$165,626,687
80$245,064,339$19,277,599$7,606,396$182,012,416
81$269,897,348$20,058,648$7,697,657$200,051,225
82$297,258,172$20,872,816$7,786,823$219,911,036
83$327,404,486$21,721,565$7,873,662$241,776,868
84$360,620,242$22,606,420$7,957,929$265,852,586
85$397,218,351$23,528,979$8,039,364$292,362,817
86$437,543,635$24,490,912$8,117,695$321,555,068
87$481,976,082$25,493,962$8,192,633$353,702,059
88$530,934,433$26,539,957$8,263,877$389,104,295
89$584,880,135$27,630,804$8,331,106$428,092,894
90$644,321,695$28,768,500$8,393,985$471,032,712
91$709,819,483$29,955,132$8,452,159$518,325,780
92$781,991,021$31,192,884$8,505,257$570,415,098
93$861,516,810$32,484,040$8,552,887$627,788,807
94$949,146,753$33,830,987$8,594,638$690,984,795
95$1,045,707,241$35,236,224$8,630,077$760,595,770
96$1,152,108,945$36,702,365$8,658,751$837,274,844
97$1,269,355,420$38,232,143$8,680,181$921,741,701
98$1,398,552,573$39,828,418$8,693,867$1,014,789,376
99$1,540,919,106$41,494,182$8,699,283$1,117,291,741
100$1,697,798,023$43,232,564$8,695,877$1,230,211,747