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%11.9%
1 years$297,285$294,637$292,053$289,531$287,069$284,783
2 years$147,171$144,430$141,773$139,198$136,700$134,395
3 years$97,139$94,386$91,737$89,185$86,728$84,476
4 years$72,128$69,384$66,761$64,253$61,855$59,674
5 years$57,126$54,398$51,809$49,352$47,021$44,917
6 years$47,127$44,420$41,869$39,468$37,206$35,181
7 years$39,988$37,304$34,794$32,448$30,259$28,314
8 years$34,637$31,976$29,508$27,220$25,102$23,238
9 years$30,476$27,841$25,415$23,186$21,140$19,356
10 years$27,150$24,541$22,157$19,986$18,012$16,307
11 years$24,430$21,847$19,507$17,394$15,491$13,863
12 years$22,165$19,609$17,312$15,257$13,424$11,872
13 years$20,251$17,721$15,467$13,470$11,706$10,229
14 years$18,611$16,107$13,897$11,957$10,262$8,857
15 years$17,191$14,714$12,547$10,663$9,035$7,701
16 years$15,949$13,500$11,376$9,548$7,985$6,720
17 years$14,855$12,433$10,352$8,579$7,080$5,881
18 years$13,884$11,489$9,450$7,731$6,295$5,160
19 years$13,016$10,648$8,651$6,986$5,611$4,538
20 years$12,235$9,894$7,939$6,327$5,012$3,998
21 years$11,530$9,216$7,303$5,742$4,485$3,529
22 years$10,890$8,603$6,731$5,221$4,020$3,119
23 years$10,306$8,046$6,214$4,755$3,609$2,760
24 years$9,772$7,539$5,747$4,337$3,244$2,446
25 years$9,281$7,075$5,323$3,960$2,919$2,169
26 years$8,829$6,649$4,937$3,621$2,629$1,925
27 years$8,411$6,258$4,584$3,315$2,371$1,710
28 years$8,024$5,897$4,262$3,037$2,139$1,520
29 years$7,664$5,563$3,966$2,785$1,931$1,352
30 years$7,328$5,253$3,694$2,556$1,745$1,203
31 years$7,015$4,966$3,444$2,347$1,578$1,071
32 years$6,722$4,699$3,213$2,157$1,427$954
33 years$6,447$4,450$3,000$1,984$1,292$850
34 years$6,189$4,218$2,803$1,825$1,169$758
35 years$5,946$4,000$2,621$1,680$1,059$675
36 years$5,718$3,797$2,452$1,547$960$602
37 years$5,502$3,606$2,295$1,426$870$537
38 years$5,298$3,427$2,149$1,314$789$479
39 years$5,105$3,259$2,013$1,212$715$428
40 years$4,922$3,101$1,887$1,118$649$382
41 years$4,748$2,951$1,770$1,031$588$341
42 years$4,583$2,811$1,660$952$534$304
43 years$4,427$2,678$1,558$878$485$272
44 years$4,277$2,553$1,462$811$440$242
45 years$4,135$2,434$1,373$749$399$217
46 years$3,999$2,322$1,289$692$363$193
47 years$3,870$2,216$1,211$639$329$173
48 years$3,746$2,116$1,138$591$299$154
49 years$3,628$2,020$1,070$546$272$138
50 years$3,515$1,930$1,006$505$247$123

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 $6,835 every year, while hoping to spend $24,016 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: 25/49/26 Blend
34$3,600,000$3,600,000$3,600,000$3,600,000
35$3,974,250$3,783,450$3,727,650$4,040,884
36$4,354,071$3,943,287$3,826,974$4,256,269
37$4,771,828$4,110,150$3,928,820$4,484,545
38$5,231,367$4,284,359$4,033,247$4,728,802
39$5,736,922$4,466,248$4,140,316$4,990,395
40$6,293,160$4,656,167$4,250,089$5,270,807
41$6,905,223$4,854,480$4,362,628$5,571,659
42$7,578,777$5,061,570$4,477,997$5,894,725
43$8,320,064$5,277,839$4,596,261$6,241,949
44$9,135,962$5,503,704$4,717,488$6,615,459
45$10,034,050$5,739,605$4,841,743$7,017,587
46$11,022,679$5,986,002$4,969,097$7,450,887
47$12,111,050$6,243,374$5,099,620$7,918,162
48$13,309,303$6,512,225$5,233,383$8,422,483
49$14,628,610$6,793,082$5,370,460$8,967,217
50$16,081,282$7,086,497$5,510,924$9,556,060
51$17,680,883$7,393,046$5,654,851$10,193,067
52$19,442,363$7,713,335$5,802,317$10,882,686
53$21,382,191$8,047,995$5,953,402$11,629,803
54$23,518,518$8,397,691$6,108,185$12,439,779
55$25,871,343$8,763,114$6,266,746$13,318,502
56$28,462,706$9,144,992$6,429,167$14,272,441
57$31,316,891$9,544,086$6,595,534$15,308,698
58$34,460,659$9,961,192$6,765,929$16,435,080
59$37,923,499$10,397,143$6,940,441$17,660,161
60$41,737,906$10,852,813$7,119,155$18,993,367
61$45,939,688$11,329,116$7,302,163$20,445,058
62$50,568,305$11,827,011$7,489,553$22,026,620
63$55,667,237$12,347,500$7,681,418$23,750,573
64$61,284,401$12,891,633$7,877,851$25,630,683
65$67,472,597$13,460,510$8,078,947$27,682,088
66$74,290,010$14,055,284$8,284,800$29,921,435
67$81,800,759$14,677,161$8,495,509$32,367,036
68$90,075,500$15,327,404$8,711,171$35,039,032
69$99,192,092$16,007,338$8,931,887$37,959,580
70$109,236,336$16,718,349$9,157,756$41,153,060
71$120,302,783$17,461,889$9,388,882$44,646,293
72$132,495,624$18,239,479$9,625,367$48,468,795
73$145,929,677$19,052,712$9,867,315$52,653,044
74$160,731,468$19,903,259$10,114,834$57,234,785
75$177,040,425$20,792,866$10,368,028$62,253,358
76$195,010,198$21,723,366$10,627,007$67,752,064
77$214,810,105$22,696,678$10,891,878$73,778,565
78$236,626,731$23,714,811$11,162,752$80,385,330
79$260,665,693$24,779,871$11,439,739$87,630,117
80$287,153,574$25,894,065$11,722,951$95,576,515
81$316,340,068$27,059,704$12,012,499$104,294,532
82$348,500,335$28,279,209$12,308,498$113,861,251
83$383,937,597$29,555,118$12,611,060$124,361,543
84$422,986,001$30,890,089$12,920,300$135,888,864
85$466,013,776$32,286,906$13,236,334$148,546,123
86$513,426,705$33,748,489$13,559,275$162,446,645
87$565,671,958$35,277,893$13,889,239$177,715,227
88$623,242,313$36,878,325$14,226,343$194,489,308
89$686,680,805$38,553,139$14,570,702$212,920,252
90$756,585,859$40,305,854$14,922,432$233,174,764
91$833,616,931$42,140,157$15,281,649$255,436,449
92$918,500,742$44,059,908$15,648,468$279,907,536
93$1,012,038,130$46,069,156$16,023,004$306,810,768
94$1,115,111,617$48,172,142$16,405,372$336,391,490
95$1,228,693,736$50,373,311$16,795,686$368,919,951
96$1,353,856,214$52,677,320$17,194,058$404,693,836
97$1,491,780,089$55,089,050$17,600,601$444,041,061
98$1,643,766,863$57,613,618$18,015,425$487,322,848
99$1,811,250,780$60,256,383$18,438,640$534,937,118
100$1,995,812,378$63,022,964$18,870,353$587,322,224