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%19.5%
1 years$289,027$286,452$283,940$281,489$279,095$268,446
2 years$143,083$140,418$137,835$135,331$132,902$122,299
3 years$94,441$91,765$89,188$86,708$84,319$74,094
4 years$70,125$67,457$64,906$62,468$60,137$50,370
5 years$55,539$52,887$50,370$47,982$45,715$36,430
6 years$45,818$43,186$40,706$38,371$36,173$27,377
7 years$38,878$36,268$33,827$31,547$29,418$21,108
8 years$33,674$31,088$28,688$26,464$24,405$16,573
9 years$29,630$27,068$24,709$22,542$20,553$13,187
10 years$26,396$23,859$21,542$19,431$17,512$10,600
11 years$23,752$21,240$18,965$16,911$15,061$8,586
12 years$21,550$19,064$16,831$14,833$13,051$6,998
13 years$19,688$17,228$15,038$13,095$11,381$5,731
14 years$18,094$15,660$13,511$11,625$9,977$4,712
15 years$16,713$14,306$12,199$10,367$8,784$3,886
16 years$15,506$13,125$11,060$9,283$7,763$3,213
17 years$14,443$12,088$10,064$8,340$6,884$2,662
18 years$13,498$11,170$9,187$7,516$6,121$2,209
19 years$12,654$10,352$8,411$6,792$5,455$1,836
20 years$11,895$9,620$7,719$6,151$4,873$1,528
21 years$11,210$8,960$7,100$5,583$4,361$1,272
22 years$10,587$8,364$6,544$5,076$3,909$1,060
23 years$10,020$7,823$6,042$4,623$3,509$885
24 years$9,501$7,329$5,588$4,216$3,154$738
25 years$9,024$6,878$5,175$3,850$2,838$616
26 years$8,584$6,464$4,800$3,521$2,556$515
27 years$8,177$6,084$4,457$3,223$2,305$430
28 years$7,801$5,733$4,143$2,953$2,080$359
29 years$7,451$5,408$3,856$2,708$1,878$300
30 years$7,124$5,107$3,592$2,485$1,697$251
31 years$6,820$4,828$3,348$2,282$1,534$210
32 years$6,535$4,569$3,124$2,097$1,388$176
33 years$6,268$4,326$2,917$1,929$1,256$147
34 years$6,017$4,100$2,725$1,775$1,137$123
35 years$5,781$3,889$2,548$1,634$1,030$103
36 years$5,559$3,691$2,384$1,504$933$86
37 years$5,349$3,506$2,231$1,386$846$72
38 years$5,151$3,332$2,089$1,278$767$60
39 years$4,963$3,168$1,957$1,178$695$50
40 years$4,785$3,014$1,835$1,087$631$42
41 years$4,616$2,869$1,720$1,003$572$35
42 years$4,456$2,733$1,614$925$519$29
43 years$4,304$2,604$1,514$854$471$25
44 years$4,158$2,482$1,421$789$428$21
45 years$4,020$2,367$1,335$728$388$17
46 years$3,888$2,258$1,254$673$352$14
47 years$3,763$2,155$1,178$622$320$12
48 years$3,642$2,057$1,107$574$291$10
49 years$3,527$1,964$1,040$531$264$8
50 years$3,417$1,876$978$491$240$7

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 $5,291 every year, while hoping to spend $38,679 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: 51/38/11 Blend
34$3,500,000$3,500,000$3,500,000$3,500,000
35$3,862,458$3,676,958$3,622,708$4,047,929
36$4,215,274$3,815,974$3,702,914$4,314,217
37$4,602,782$3,960,507$3,784,511$4,598,990
38$5,028,478$4,110,784$3,867,505$4,907,677
39$5,496,215$4,267,045$3,951,899$5,242,541
40$6,010,240$4,429,541$4,037,698$5,606,067
41$6,575,227$4,598,531$4,124,904$6,000,987
42$7,196,329$4,774,288$4,213,517$6,430,305
43$7,879,221$4,957,095$4,303,537$6,897,325
44$8,630,159$5,147,249$4,394,962$7,405,680
45$9,456,030$5,345,060$4,487,788$7,959,364
46$10,364,427$5,550,849$4,582,011$8,562,772
47$11,363,712$5,764,955$4,677,622$9,220,738
48$12,463,101$5,987,728$4,774,613$9,938,580
49$13,672,747$6,219,536$4,872,972$10,722,150
50$15,003,836$6,460,763$4,972,686$11,577,887
51$16,468,696$6,711,808$5,073,739$12,512,876
52$18,080,907$6,973,091$5,176,113$13,534,915
53$19,855,434$7,245,047$5,279,787$14,652,587
54$21,808,767$7,528,132$5,384,739$15,875,337
55$23,959,074$7,822,824$5,490,940$17,213,564
56$26,326,375$8,129,618$5,598,362$18,678,715
57$28,932,731$8,449,035$5,706,973$20,283,391
58$31,802,448$8,781,616$5,816,736$22,041,467
59$34,962,312$9,127,930$5,927,610$23,968,216
60$38,441,836$9,488,567$6,039,554$26,080,459
61$42,273,543$9,864,146$6,152,519$28,396,714
62$46,493,270$10,255,314$6,266,453$30,937,373
63$51,140,504$10,662,746$6,381,300$33,724,895
64$56,258,762$11,087,147$6,497,000$36,784,009
65$61,895,993$11,529,254$6,613,487$40,141,951
66$68,105,035$11,989,838$6,730,689$43,828,715
67$74,944,112$12,469,704$6,848,531$47,877,338
68$82,477,384$12,969,692$6,966,929$52,324,205
69$90,775,553$13,490,682$7,085,797$57,209,393
70$99,916,527$14,033,594$7,205,039$62,577,043
71$109,986,160$14,599,387$7,324,555$68,475,778
72$121,079,056$15,189,065$7,444,236$74,959,156
73$133,299,469$15,803,678$7,563,967$82,086,176
74$146,762,280$16,444,324$7,683,625$89,921,826
75$161,594,086$17,112,148$7,803,079$98,537,698
76$177,934,389$17,808,351$7,922,189$108,012,660
77$195,936,922$18,534,185$8,040,808$118,433,594
78$215,771,090$19,290,961$8,158,776$129,896,214
79$237,623,573$20,080,051$8,275,928$142,505,967
80$261,700,091$20,902,887$8,392,084$156,379,021
81$288,227,339$21,760,967$8,507,058$171,643,361
82$317,455,133$22,655,859$8,620,650$188,439,990
83$349,658,762$23,589,202$8,732,647$206,924,257
84$385,141,593$24,562,710$8,842,828$227,267,317
85$424,237,928$25,578,176$8,950,955$249,657,743
86$467,316,164$26,637,473$9,056,779$274,303,301
87$514,782,268$27,742,565$9,160,037$301,432,906
88$567,083,609$28,895,501$9,260,448$331,298,773
89$624,713,185$30,098,428$9,357,721$364,178,800
90$688,214,269$31,353,590$9,451,544$400,379,177
91$758,185,545$32,663,336$9,541,590$440,237,275
92$835,286,753$34,030,122$9,627,517$484,124,824
93$920,244,923$35,456,519$9,708,959$532,451,410
94$1,013,861,231$36,945,215$9,785,536$585,668,342
95$1,117,018,570$38,499,024$9,856,845$644,272,898
96$1,230,689,878$40,120,890$9,922,463$708,813,015
97$1,355,947,325$41,813,892$9,981,944$779,892,451
98$1,493,972,434$43,581,255$10,034,821$858,176,480
99$1,646,067,236$45,426,351$10,080,602$944,398,156
100$1,813,666,562$47,352,709$10,118,769$1,039,365,233