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

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 $3,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$297,285$294,637$292,053$289,531$287,069$282,081
2 years$147,171$144,430$141,773$139,198$136,700$131,691
3 years$97,139$94,386$91,737$89,185$86,728$81,854
4 years$72,128$69,384$66,761$64,253$61,855$57,153
5 years$57,126$54,398$51,809$49,352$47,021$42,505
6 years$47,127$44,420$41,869$39,468$37,206$32,881
7 years$39,988$37,304$34,794$32,448$30,259$26,126
8 years$34,637$31,976$29,508$27,220$25,102$21,161
9 years$30,476$27,841$25,415$23,186$21,140$17,388
10 years$27,150$24,541$22,157$19,986$18,012$14,446
11 years$24,430$21,847$19,507$17,394$15,491$12,107
12 years$22,165$19,609$17,312$15,257$13,424$10,217
13 years$20,251$17,721$15,467$13,470$11,706$8,672
14 years$18,611$16,107$13,897$11,957$10,262$7,395
15 years$17,191$14,714$12,547$10,663$9,035$6,330
16 years$15,949$13,500$11,376$9,548$7,985$5,436
17 years$14,855$12,433$10,352$8,579$7,080$4,681
18 years$13,884$11,489$9,450$7,731$6,295$4,040
19 years$13,016$10,648$8,651$6,986$5,611$3,494
20 years$12,235$9,894$7,939$6,327$5,012$3,027
21 years$11,530$9,216$7,303$5,742$4,485$2,626
22 years$10,890$8,603$6,731$5,221$4,020$2,281
23 years$10,306$8,046$6,214$4,755$3,609$1,983
24 years$9,772$7,539$5,747$4,337$3,244$1,726
25 years$9,281$7,075$5,323$3,960$2,919$1,503
26 years$8,829$6,649$4,937$3,621$2,629$1,310
27 years$8,411$6,258$4,584$3,315$2,371$1,143
28 years$8,024$5,897$4,262$3,037$2,139$997
29 years$7,664$5,563$3,966$2,785$1,931$870
30 years$7,328$5,253$3,694$2,556$1,745$760
31 years$7,015$4,966$3,444$2,347$1,578$664
32 years$6,722$4,699$3,213$2,157$1,427$580
33 years$6,447$4,450$3,000$1,984$1,292$507
34 years$6,189$4,218$2,803$1,825$1,169$443
35 years$5,946$4,000$2,621$1,680$1,059$388
36 years$5,718$3,797$2,452$1,547$960$339
37 years$5,502$3,606$2,295$1,426$870$297
38 years$5,298$3,427$2,149$1,314$789$260
39 years$5,105$3,259$2,013$1,212$715$227
40 years$4,922$3,101$1,887$1,118$649$199
41 years$4,748$2,951$1,770$1,031$588$174
42 years$4,583$2,811$1,660$952$534$152
43 years$4,427$2,678$1,558$878$485$133
44 years$4,277$2,553$1,462$811$440$117
45 years$4,135$2,434$1,373$749$399$102
46 years$3,999$2,322$1,289$692$363$89
47 years$3,870$2,216$1,211$639$329$78
48 years$3,746$2,116$1,138$591$299$68
49 years$3,628$2,020$1,070$546$272$60
50 years$3,515$1,930$1,006$505$247$52

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 $2,302 every year, while hoping to spend $42,805 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: 79/14/7 Blend
34$3,600,000$3,600,000$3,600,000$3,600,000
35$3,969,575$3,778,775$3,722,975$4,279,908
36$4,328,927$3,918,390$3,802,150$4,623,288
37$4,723,499$4,063,413$3,882,543$4,994,037
38$5,156,837$4,214,061$3,964,150$5,399,453
39$5,632,849$4,370,565$4,046,964$5,842,972
40$6,155,840$4,533,163$4,130,977$6,328,376
41$6,730,552$4,702,104$4,216,181$6,859,830
42$7,362,209$4,877,648$4,302,564$7,441,918
43$8,056,567$5,060,066$4,390,113$8,079,691
44$8,819,968$5,249,640$4,478,812$8,778,710
45$9,659,396$5,446,664$4,568,644$9,545,098
46$10,582,550$5,651,445$4,659,589$10,385,601
47$11,597,909$5,864,305$4,751,624$11,307,647
48$12,714,816$6,085,577$4,844,724$12,319,417
49$13,943,567$6,315,610$4,938,862$13,429,923
50$15,295,503$6,554,767$5,034,006$14,649,090
51$16,783,122$6,803,428$5,130,123$15,987,852
52$18,420,194$7,061,990$5,227,176$17,458,253
53$20,221,891$7,330,864$5,325,123$19,073,558
54$22,204,930$7,610,482$5,423,921$20,848,383
55$24,387,732$7,901,295$5,523,521$22,798,826
56$26,790,593$8,203,771$5,623,872$24,942,623
57$29,435,879$8,518,401$5,724,917$27,299,312
58$32,348,232$8,845,697$5,826,595$29,890,418
59$35,554,807$9,186,191$5,928,841$32,739,655
60$39,085,524$9,540,442$6,031,585$35,873,148
61$42,973,355$9,909,031$6,134,750$39,319,682
62$47,254,630$10,292,565$6,238,257$43,110,967
63$51,969,381$10,691,680$6,342,017$47,281,945
64$57,161,723$11,107,037$6,445,939$51,871,108
65$62,880,264$11,539,328$6,549,924$56,920,872
66$69,178,570$11,989,274$6,653,866$62,477,967
67$76,115,666$12,457,630$6,757,652$68,593,881
68$83,756,593$12,945,183$6,861,162$75,325,347
69$92,173,024$13,452,756$6,964,270$82,734,873
70$101,443,939$13,981,207$7,066,840$90,891,333
71$111,656,370$14,531,435$7,168,727$99,870,618
72$122,906,220$15,104,376$7,269,780$109,756,347
73$135,299,173$15,701,009$7,369,837$120,640,658
74$148,951,688$16,322,358$7,468,726$132,625,075
75$163,992,098$16,969,491$7,566,265$145,821,468
76$180,561,820$17,643,524$7,662,263$160,353,102
77$198,816,694$18,345,625$7,756,517$176,355,805
78$218,928,448$19,077,012$7,848,812$193,979,244
79$241,086,323$19,838,959$7,938,921$213,388,339
80$265,498,858$20,632,798$8,026,604$234,764,819
81$292,395,856$21,459,919$8,111,610$258,308,932
82$322,030,555$22,321,776$8,193,670$284,241,338
83$354,682,018$23,219,890$8,272,505$312,805,185
84$390,657,768$24,155,849$8,347,818$344,268,410
85$430,296,686$25,131,312$8,419,296$378,926,259
86$473,972,217$26,148,015$8,486,612$417,104,074
87$522,095,889$27,207,773$8,549,418$459,160,367
88$575,121,197$28,312,482$8,607,352$505,490,195
89$633,547,891$29,464,125$8,660,029$556,528,893
90$697,926,683$30,664,774$8,707,048$612,756,178
91$768,864,455$31,916,598$8,747,984$674,700,675
92$847,029,981$33,221,863$8,782,393$742,944,908
93$933,160,243$34,582,938$8,809,807$818,130,794
94$1,028,067,387$36,002,302$8,829,736$900,965,700
95$1,132,646,392$37,482,546$8,841,663$992,229,120
96$1,247,883,513$39,026,381$8,845,048$1,092,780,028
97$1,374,865,597$40,636,639$8,839,323$1,203,564,988
98$1,514,790,340$42,316,286$8,823,892$1,325,627,081
99$1,668,977,593$44,068,422$8,798,130$1,460,115,755
100$1,838,881,822$45,896,290$8,761,383$1,608,297,671