Can I retire at age 35 with 3,500,000?

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 $3,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$289,027$286,452$283,940$281,489$279,095$273,908
2 years$143,083$140,418$137,835$135,331$132,902$127,696
3 years$94,441$91,765$89,188$86,708$84,319$79,255
4 years$70,125$67,457$64,906$62,468$60,137$55,255
5 years$55,539$52,887$50,370$47,982$45,715$41,029
6 years$45,818$43,186$40,706$38,371$36,173$31,688
7 years$38,878$36,268$33,827$31,547$29,418$25,135
8 years$33,674$31,088$28,688$26,464$24,405$20,323
9 years$29,630$27,068$24,709$22,542$20,553$16,670
10 years$26,396$23,859$21,542$19,431$17,512$13,824
11 years$23,752$21,240$18,965$16,911$15,061$11,563
12 years$21,550$19,064$16,831$14,833$13,051$9,740
13 years$19,688$17,228$15,038$13,095$11,381$8,250
14 years$18,094$15,660$13,511$11,625$9,977$7,021
15 years$16,713$14,306$12,199$10,367$8,784$5,997
16 years$15,506$13,125$11,060$9,283$7,763$5,140
17 years$14,443$12,088$10,064$8,340$6,884$4,416
18 years$13,498$11,170$9,187$7,516$6,121$3,804
19 years$12,654$10,352$8,411$6,792$5,455$3,282
20 years$11,895$9,620$7,719$6,151$4,873$2,837
21 years$11,210$8,960$7,100$5,583$4,361$2,455
22 years$10,587$8,364$6,544$5,076$3,909$2,128
23 years$10,020$7,823$6,042$4,623$3,509$1,846
24 years$9,501$7,329$5,588$4,216$3,154$1,603
25 years$9,024$6,878$5,175$3,850$2,838$1,393
26 years$8,584$6,464$4,800$3,521$2,556$1,211
27 years$8,177$6,084$4,457$3,223$2,305$1,053
28 years$7,801$5,733$4,143$2,953$2,080$917
29 years$7,451$5,408$3,856$2,708$1,878$798
30 years$7,124$5,107$3,592$2,485$1,697$696
31 years$6,820$4,828$3,348$2,282$1,534$606
32 years$6,535$4,569$3,124$2,097$1,388$528
33 years$6,268$4,326$2,917$1,929$1,256$461
34 years$6,017$4,100$2,725$1,775$1,137$402
35 years$5,781$3,889$2,548$1,634$1,030$350
36 years$5,559$3,691$2,384$1,504$933$306
37 years$5,349$3,506$2,231$1,386$846$267
38 years$5,151$3,332$2,089$1,278$767$233
39 years$4,963$3,168$1,957$1,178$695$203
40 years$4,785$3,014$1,835$1,087$631$177
41 years$4,616$2,869$1,720$1,003$572$155
42 years$4,456$2,733$1,614$925$519$135
43 years$4,304$2,604$1,514$854$471$118
44 years$4,158$2,482$1,421$789$428$103
45 years$4,020$2,367$1,335$728$388$90
46 years$3,888$2,258$1,254$673$352$78
47 years$3,763$2,155$1,178$622$320$69
48 years$3,642$2,057$1,107$574$291$60
49 years$3,527$1,964$1,040$531$264$52
50 years$3,417$1,876$978$491$240$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,500,000, adding $5,637 every year, while hoping to spend $43,422 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: 68/27/5 Blend
34$3,500,000$3,500,000$3,500,000$3,500,000
35$3,862,815$3,677,315$3,623,065$4,122,896
36$4,210,621$3,811,302$3,698,237$4,429,746
37$4,592,448$3,950,400$3,774,471$4,759,330
38$5,011,721$4,094,813$3,851,759$5,118,539
39$5,472,211$4,244,753$3,930,087$5,510,257
40$5,978,073$4,400,443$4,009,443$5,937,662
41$6,533,887$4,562,114$4,089,809$6,404,248
42$7,144,693$4,730,008$4,171,167$6,913,862
43$7,816,049$4,904,376$4,253,499$7,470,737
44$8,554,075$5,085,479$4,336,780$8,079,535
45$9,365,515$5,273,591$4,420,986$8,745,382
46$10,257,797$5,468,997$4,506,089$9,473,928
47$11,239,108$5,671,994$4,592,058$10,271,387
48$12,318,466$5,882,890$4,678,861$11,144,605
49$13,505,806$6,102,008$4,766,460$12,101,116
50$14,812,077$6,329,686$4,854,815$13,149,218
51$16,249,342$6,566,273$4,943,884$14,298,046
52$17,830,889$6,812,135$5,033,619$15,557,663
53$19,571,365$7,067,654$5,123,970$16,939,147
54$21,486,903$7,333,228$5,214,881$18,454,698
55$23,595,283$7,609,272$5,306,296$20,117,756
56$25,916,093$7,896,219$5,398,149$21,943,118
57$28,470,921$8,194,519$5,490,373$23,947,085
58$31,283,550$8,504,646$5,582,895$26,147,610
59$34,380,187$8,827,089$5,675,637$28,564,467
60$37,789,712$9,162,361$5,768,517$31,219,437
61$41,543,944$9,510,999$5,861,444$34,136,514
62$45,677,949$9,873,560$5,954,324$37,342,125
63$50,230,362$10,250,627$6,047,056$40,865,385
64$55,243,759$10,642,808$6,139,533$44,738,363
65$60,765,054$11,050,737$6,231,639$48,996,391
66$66,845,944$11,475,078$6,323,254$53,678,388
67$73,543,395$11,916,521$6,414,247$58,827,233
68$80,920,179$12,375,789$6,504,483$64,490,162
69$89,045,470$12,853,635$6,593,815$70,719,217
70$97,995,490$13,350,845$6,682,090$77,571,732
71$107,854,234$13,868,241$6,769,144$85,110,873
72$118,714,262$14,406,680$6,854,806$93,406,235
73$130,677,567$14,967,058$6,938,893$102,534,494
74$143,856,545$15,550,310$7,021,212$112,580,127
75$158,375,049$16,157,412$7,101,559$123,636,213
76$174,369,563$16,789,384$7,179,720$135,805,306
77$191,990,485$17,447,290$7,255,467$149,200,397
78$211,403,551$18,132,244$7,328,562$163,945,986
79$232,791,396$18,845,406$7,398,751$180,179,248
80$256,355,278$19,587,991$7,465,769$198,051,330
81$282,316,980$20,361,266$7,529,336$217,728,770
82$310,920,899$21,166,556$7,589,157$239,395,072
83$342,436,358$22,005,244$7,644,920$263,252,430
84$377,160,141$22,878,776$7,696,300$289,523,636
85$415,419,301$23,788,662$7,742,952$318,454,182
86$457,574,244$24,736,480$7,784,514$350,314,569
87$504,022,129$25,723,880$7,820,608$385,402,860
88$555,200,621$26,752,585$7,850,833$424,047,494
89$611,592,019$27,824,395$7,874,770$466,610,372
90$673,727,808$28,941,194$7,891,978$513,490,282
91$742,193,680$30,104,949$7,901,995$565,126,650
92$817,635,059$31,317,714$7,904,336$622,003,690
93$900,763,193$32,581,641$7,898,489$684,654,965
94$992,361,872$33,898,974$7,883,922$753,668,425
95$1,093,294,823$35,272,064$7,860,073$829,691,949
96$1,204,513,863$36,703,363$7,826,354$913,439,458
97$1,327,067,890$38,195,440$7,782,149$1,005,697,649
98$1,462,112,775$39,750,978$7,726,812$1,107,333,413
99$1,610,922,284$41,372,782$7,659,666$1,219,302,019
100$1,774,900,094$43,063,785$7,580,001$1,342,656,122