Can I retire at age 35 with 3,700,000?

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 $3,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$305,543$302,821$300,166$297,574$295,043$291,598
2 years$151,259$148,442$145,711$143,064$140,497$137,029
3 years$99,837$97,008$94,285$91,663$89,137$85,754
4 years$74,132$71,311$68,615$66,038$63,573$60,302
5 years$58,713$55,909$53,248$50,723$48,327$45,177
6 years$48,436$45,654$43,033$40,564$38,240$35,214
7 years$41,099$38,340$35,760$33,350$31,099$28,199
8 years$35,599$32,864$30,328$27,976$25,800$23,025
9 years$31,323$28,614$26,121$23,830$21,727$19,077
10 years$27,904$25,222$22,773$20,541$18,513$15,985
11 years$25,109$22,454$20,049$17,877$15,921$13,514
12 years$22,781$20,153$17,793$15,681$13,797$11,508
13 years$20,813$18,213$15,897$13,844$12,031$9,857
14 years$19,128$16,555$14,283$12,289$10,547$8,484
15 years$17,668$15,123$12,896$10,960$9,286$7,333
16 years$16,392$13,875$11,692$9,813$8,207$6,359
17 years$15,268$12,779$10,639$8,817$7,277$5,530
18 years$14,269$11,808$9,712$7,946$6,470$4,822
19 years$13,377$10,944$8,891$7,180$5,767$4,213
20 years$12,575$10,169$8,160$6,503$5,151$3,687
21 years$11,850$9,472$7,506$5,902$4,610$3,233
22 years$11,192$8,842$6,917$5,366$4,132$2,838
23 years$10,593$8,270$6,387$4,887$3,709$2,494
24 years$10,044$7,748$5,907$4,457$3,334$2,195
25 years$9,539$7,271$5,471$4,070$3,000$1,933
26 years$9,074$6,834$5,074$3,722$2,702$1,703
27 years$8,645$6,431$4,712$3,407$2,436$1,502
28 years$8,246$6,060$4,380$3,121$2,198$1,326
29 years$7,876$5,717$4,076$2,862$1,985$1,171
30 years$7,532$5,399$3,797$2,627$1,794$1,034
31 years$7,210$5,104$3,540$2,413$1,622$914
32 years$6,909$4,830$3,303$2,217$1,467$808
33 years$6,626$4,574$3,084$2,039$1,328$715
34 years$6,361$4,335$2,881$1,876$1,202$632
35 years$6,112$4,111$2,694$1,727$1,089$559
36 years$5,876$3,902$2,520$1,590$986$495
37 years$5,655$3,706$2,359$1,465$894$438
38 years$5,445$3,522$2,209$1,351$810$388
39 years$5,247$3,349$2,069$1,245$735$343
40 years$5,058$3,187$1,940$1,149$667$304
41 years$4,880$3,033$1,819$1,060$605$269
42 years$4,711$2,889$1,706$978$549$239
43 years$4,550$2,753$1,601$903$498$211
44 years$4,396$2,624$1,503$834$452$187
45 years$4,250$2,502$1,411$770$410$166
46 years$4,111$2,387$1,325$711$373$147
47 years$3,978$2,278$1,245$657$338$130
48 years$3,850$2,174$1,170$607$307$115
49 years$3,729$2,076$1,100$561$279$102
50 years$3,612$1,984$1,034$519$253$91

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,700,000, adding $5,312 every year, while hoping to spend $26,889 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: 62/22/16 Blend
34$3,700,000$3,700,000$3,700,000$3,700,000
35$4,082,879$3,886,779$3,829,429$4,319,377
36$4,470,723$4,048,622$3,929,106$4,640,906
37$4,897,226$4,217,493$4,031,220$4,988,239
38$5,366,303$4,393,710$4,135,825$5,366,770
39$5,882,266$4,577,603$4,242,976$5,779,530
40$6,449,869$4,769,517$4,352,727$6,229,856
41$7,074,347$4,969,814$4,465,135$6,721,417
42$7,761,469$5,178,874$4,580,256$7,258,253
43$8,517,593$5,397,092$4,698,148$7,844,808
44$9,349,721$5,624,884$4,818,869$8,485,973
45$10,265,571$5,862,682$4,942,480$9,187,129
46$11,273,647$6,110,940$5,069,041$9,954,203
47$12,383,317$6,370,135$5,198,612$10,793,714
48$13,604,906$6,640,762$5,331,256$11,712,843
49$14,949,790$6,923,343$5,467,037$12,719,492
50$16,430,503$7,218,421$5,606,017$13,822,361
51$18,060,858$7,526,567$5,748,262$15,031,031
52$19,856,074$7,848,378$5,893,837$16,356,047
53$21,832,921$8,184,476$6,042,809$17,809,025
54$24,009,881$8,535,517$6,195,244$19,402,752
55$26,407,315$8,902,183$6,351,211$21,151,310
56$29,047,662$9,285,192$6,510,778$23,070,207
57$31,955,650$9,685,292$6,674,015$25,176,521
58$35,158,524$10,103,269$6,840,992$27,489,062
59$38,686,308$10,539,944$7,011,780$30,028,544
60$42,572,086$10,996,176$7,186,450$32,817,782
61$46,852,317$11,472,867$7,365,074$35,881,905
62$51,567,175$11,970,959$7,547,725$39,248,593
63$56,760,930$12,491,439$7,734,477$42,948,332
64$62,482,365$13,035,340$7,925,403$47,014,704
65$68,785,240$13,603,745$8,120,577$51,484,701
66$75,728,792$14,197,786$8,320,074$56,399,071
67$83,378,302$14,818,651$8,523,970$61,802,703
68$91,805,704$15,467,581$8,732,338$67,745,044
69$101,090,271$16,145,876$8,945,256$74,280,569
70$111,319,355$16,854,901$9,162,799$81,469,289
71$122,589,219$17,596,081$9,385,042$89,377,316
72$135,005,940$18,370,910$9,612,063$98,077,484
73$148,686,415$19,180,954$9,843,936$107,650,035
74$163,759,459$20,027,850$10,080,737$118,183,371
75$180,367,025$20,913,316$10,322,543$129,774,890
76$198,665,542$21,839,149$10,569,429$142,531,897
77$218,827,392$22,807,231$10,821,469$156,572,618
78$241,042,536$23,819,536$11,078,739$172,027,310
79$265,520,310$24,878,128$11,341,311$189,039,488
80$292,491,397$25,985,172$11,609,260$207,767,277
81$322,210,007$27,142,933$11,882,658$228,384,897
82$354,956,277$28,353,785$12,161,576$251,084,309
83$391,038,913$29,620,217$12,446,085$276,077,021
84$430,798,106$30,944,831$12,736,253$303,596,076
85$474,608,743$32,330,359$13,032,148$333,898,255
86$522,883,947$33,779,658$13,333,836$367,266,488
87$576,078,972$35,295,724$13,641,383$404,012,528
88$634,695,507$36,881,694$13,954,849$444,479,882
89$699,286,407$38,540,856$14,274,295$489,047,053
90$770,460,916$40,276,654$14,599,779$538,131,104
91$848,890,415$42,092,695$14,931,357$592,191,592
92$935,314,761$43,992,761$15,269,081$651,734,900
93$1,030,549,273$45,980,812$15,613,001$717,319,006
94$1,135,492,425$48,060,998$15,963,163$789,558,753
95$1,251,134,333$50,237,668$16,319,610$869,131,636
96$1,378,566,099$52,515,377$16,682,381$956,784,200
97$1,518,990,111$54,898,901$17,051,511$1,053,339,070
98$1,673,731,396$57,393,240$17,427,030$1,159,702,720
99$1,844,250,127$60,003,637$17,808,964$1,276,874,011
100$2,032,155,409$62,735,585$18,197,334$1,405,953,621