Can I retire at age 35 with 3,600,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $3,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$297,285$294,637$292,053$289,531$287,069$275,679
2 years$147,171$144,430$141,773$139,198$136,700$125,366
3 years$97,139$94,386$91,737$89,185$86,728$75,807
4 years$72,128$69,384$66,761$64,253$61,855$51,430
5 years$57,126$54,398$51,809$49,352$47,021$37,119
6 years$47,127$44,420$41,869$39,468$37,206$27,832
7 years$39,988$37,304$34,794$32,448$30,259$21,410
8 years$34,637$31,976$29,508$27,220$25,102$16,770
9 years$30,476$27,841$25,415$23,186$21,140$13,312
10 years$27,150$24,541$22,157$19,986$18,012$10,672
11 years$24,430$21,847$19,507$17,394$15,491$8,623
12 years$22,165$19,609$17,312$15,257$13,424$7,009
13 years$20,251$17,721$15,467$13,470$11,706$5,724
14 years$18,611$16,107$13,897$11,957$10,262$4,693
15 years$17,191$14,714$12,547$10,663$9,035$3,859
16 years$15,949$13,500$11,376$9,548$7,985$3,182
17 years$14,855$12,433$10,352$8,579$7,080$2,628
18 years$13,884$11,489$9,450$7,731$6,295$2,175
19 years$13,016$10,648$8,651$6,986$5,611$1,802
20 years$12,235$9,894$7,939$6,327$5,012$1,495
21 years$11,530$9,216$7,303$5,742$4,485$1,241
22 years$10,890$8,603$6,731$5,221$4,020$1,031
23 years$10,306$8,046$6,214$4,755$3,609$857
24 years$9,772$7,539$5,747$4,337$3,244$713
25 years$9,281$7,075$5,323$3,960$2,919$594
26 years$8,829$6,649$4,937$3,621$2,629$494
27 years$8,411$6,258$4,584$3,315$2,371$412
28 years$8,024$5,897$4,262$3,037$2,139$343
29 years$7,664$5,563$3,966$2,785$1,931$286
30 years$7,328$5,253$3,694$2,556$1,745$238
31 years$7,015$4,966$3,444$2,347$1,578$198
32 years$6,722$4,699$3,213$2,157$1,427$165
33 years$6,447$4,450$3,000$1,984$1,292$138
34 years$6,189$4,218$2,803$1,825$1,169$115
35 years$5,946$4,000$2,621$1,680$1,059$96
36 years$5,718$3,797$2,452$1,547$960$80
37 years$5,502$3,606$2,295$1,426$870$67
38 years$5,298$3,427$2,149$1,314$789$56
39 years$5,105$3,259$2,013$1,212$715$46
40 years$4,922$3,101$1,887$1,118$649$39
41 years$4,748$2,951$1,770$1,031$588$32
42 years$4,583$2,811$1,660$952$534$27
43 years$4,427$2,678$1,558$878$485$22
44 years$4,277$2,553$1,462$811$440$19
45 years$4,135$2,434$1,373$749$399$16
46 years$3,999$2,322$1,289$692$363$13
47 years$3,870$2,216$1,211$639$329$11
48 years$3,746$2,116$1,138$591$299$9
49 years$3,628$2,020$1,070$546$272$8
50 years$3,515$1,930$1,006$505$247$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,600,000, adding $6,323 every year, while hoping to spend $25,881 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: 78/8/14 Blend
34$3,600,000$3,600,000$3,600,000$3,600,000
35$3,973,722$3,782,922$3,727,122$4,271,818
36$4,351,505$3,940,748$3,824,444$4,626,874
37$4,766,954$4,105,440$3,924,158$5,012,302
38$5,223,883$4,277,307$4,026,318$5,434,344
39$5,726,497$4,456,673$4,130,977$5,896,648
40$6,279,426$4,643,876$4,238,191$6,403,230
41$6,887,771$4,839,270$4,348,014$6,958,513
42$7,557,154$5,043,225$4,460,503$7,567,370
43$8,293,770$5,256,129$4,575,716$8,235,164
44$9,104,443$5,478,387$4,693,711$8,967,806
45$9,996,692$5,710,425$4,814,546$9,771,802
46$10,978,805$5,952,685$4,938,284$10,654,322
47$12,059,910$6,205,634$5,064,983$11,623,261
48$13,250,068$6,469,757$5,194,707$12,687,315
49$14,560,363$6,745,563$5,327,518$13,856,066
50$16,003,010$7,033,586$5,463,480$15,140,065
51$17,591,469$7,334,383$5,602,658$16,550,939
52$19,340,568$7,648,538$5,745,117$18,101,493
53$21,266,652$7,976,661$5,890,923$19,805,836
54$23,387,726$8,319,393$6,040,145$21,679,509
55$25,723,633$8,677,403$6,192,849$23,739,634
56$28,296,240$9,051,392$6,349,106$26,005,075
57$31,129,639$9,442,093$6,508,984$28,496,615
58$34,250,382$9,850,275$6,672,554$31,237,149
59$37,687,724$10,276,742$6,839,888$34,251,902
60$41,473,905$10,722,335$7,011,057$37,568,669
61$45,644,450$11,187,936$7,186,134$41,218,069
62$50,238,507$11,674,469$7,365,193$45,233,841
63$55,299,216$12,182,898$7,548,308$49,653,157
64$60,874,112$12,714,237$7,735,553$54,516,974
65$67,015,581$13,269,544$7,927,004$59,870,420
66$73,781,348$13,849,929$8,122,736$65,763,217
67$81,235,024$14,456,554$8,322,825$72,250,151
68$89,446,705$15,090,634$8,527,349$79,391,588
69$98,493,638$15,753,444$8,736,384$87,254,045
70$108,460,944$16,446,318$8,950,008$95,910,811
71$119,442,426$17,170,653$9,168,299$105,442,643
72$131,541,450$17,927,912$9,391,334$115,938,527
73$144,871,926$18,719,627$9,619,191$127,496,514
74$159,559,377$19,547,404$9,851,949$140,224,645
75$175,742,130$20,412,923$10,089,686$154,241,973
76$193,572,616$21,317,945$10,332,479$169,679,681
77$213,218,812$22,264,314$10,580,406$186,682,322
78$234,865,827$23,253,961$10,833,546$205,409,180
79$258,717,646$24,288,910$11,091,974$226,035,776
80$284,999,059$25,371,280$11,355,769$248,755,519
81$313,957,781$26,503,290$11,625,005$273,781,531
82$345,866,790$27,687,267$11,899,758$301,348,662
83$381,026,906$28,925,646$12,180,103$331,715,697
84$419,769,627$30,220,980$12,466,113$365,167,806
85$462,460,262$31,575,941$12,757,861$402,019,229
86$509,501,377$32,993,330$13,055,417$442,616,240
87$561,336,596$34,476,082$13,358,852$487,340,418
88$618,454,789$36,027,269$13,668,234$536,612,243
89$681,394,686$37,650,114$13,983,628$590,895,068
90$750,749,964$39,347,990$14,305,100$650,699,486
91$827,174,850$41,124,432$14,632,711$716,588,151
92$911,390,300$42,983,143$14,966,521$789,181,086
93$1,004,190,799$44,928,006$15,306,588$869,161,534
94$1,106,451,867$46,963,085$15,652,966$957,282,407
95$1,219,138,323$49,092,642$16,005,706$1,054,373,390
96$1,343,313,391$51,321,140$16,364,856$1,161,348,769
97$1,480,148,740$53,653,258$16,730,461$1,279,216,064
98$1,630,935,541$56,093,898$17,102,562$1,409,085,532
99$1,797,096,662$58,648,195$17,481,194$1,552,180,649
100$1,980,200,098$61,321,533$17,866,389$1,709,849,658