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%13.9%
1 years$305,543$302,821$300,166$297,574$295,043$290,275
2 years$151,259$148,442$145,711$143,064$140,497$135,706
3 years$99,837$97,008$94,285$91,663$89,137$84,473
4 years$74,132$71,311$68,615$66,038$63,573$59,071
5 years$58,713$55,909$53,248$50,723$48,327$44,001
6 years$48,436$45,654$43,033$40,564$38,240$34,094
7 years$41,099$38,340$35,760$33,350$31,099$27,135
8 years$35,599$32,864$30,328$27,976$25,800$22,017
9 years$31,323$28,614$26,121$23,830$21,727$18,123
10 years$27,904$25,222$22,773$20,541$18,513$15,084
11 years$25,109$22,454$20,049$17,877$15,921$12,666
12 years$22,781$20,153$17,793$15,681$13,797$10,710
13 years$20,813$18,213$15,897$13,844$12,031$9,108
14 years$19,128$16,555$14,283$12,289$10,547$7,782
15 years$17,668$15,123$12,896$10,960$9,286$6,675
16 years$16,392$13,875$11,692$9,813$8,207$5,745
17 years$15,268$12,779$10,639$8,817$7,277$4,957
18 years$14,269$11,808$9,712$7,946$6,470$4,288
19 years$13,377$10,944$8,891$7,180$5,767$3,717
20 years$12,575$10,169$8,160$6,503$5,151$3,227
21 years$11,850$9,472$7,506$5,902$4,610$2,806
22 years$11,192$8,842$6,917$5,366$4,132$2,442
23 years$10,593$8,270$6,387$4,887$3,709$2,129
24 years$10,044$7,748$5,907$4,457$3,334$1,857
25 years$9,539$7,271$5,471$4,070$3,000$1,621
26 years$9,074$6,834$5,074$3,722$2,702$1,416
27 years$8,645$6,431$4,712$3,407$2,436$1,238
28 years$8,246$6,060$4,380$3,121$2,198$1,083
29 years$7,876$5,717$4,076$2,862$1,985$948
30 years$7,532$5,399$3,797$2,627$1,794$830
31 years$7,210$5,104$3,540$2,413$1,622$727
32 years$6,909$4,830$3,303$2,217$1,467$637
33 years$6,626$4,574$3,084$2,039$1,328$558
34 years$6,361$4,335$2,881$1,876$1,202$489
35 years$6,112$4,111$2,694$1,727$1,089$429
36 years$5,876$3,902$2,520$1,590$986$376
37 years$5,655$3,706$2,359$1,465$894$330
38 years$5,445$3,522$2,209$1,351$810$289
39 years$5,247$3,349$2,069$1,245$735$254
40 years$5,058$3,187$1,940$1,149$667$222
41 years$4,880$3,033$1,819$1,060$605$195
42 years$4,711$2,889$1,706$978$549$171
43 years$4,550$2,753$1,601$903$498$150
44 years$4,396$2,624$1,503$834$452$132
45 years$4,250$2,502$1,411$770$410$116
46 years$4,111$2,387$1,325$711$373$102
47 years$3,978$2,278$1,245$657$338$89
48 years$3,850$2,174$1,170$607$307$78
49 years$3,729$2,076$1,100$561$279$69
50 years$3,612$1,984$1,034$519$253$60

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 $3,755 every year, while hoping to spend $42,998 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: 42/46/12 Blend
34$3,700,000$3,700,000$3,700,000$3,700,000
35$4,081,273$3,885,173$3,827,823$4,238,186
36$4,451,814$4,029,797$3,910,306$4,493,147
37$4,858,708$4,180,067$3,994,110$4,764,478
38$5,305,619$4,336,213$4,079,236$5,057,334
39$5,796,582$4,498,477$4,165,680$5,373,697
40$6,336,041$4,667,110$4,253,438$5,715,746
41$6,928,893$4,842,375$4,342,505$6,085,874
42$7,580,534$5,024,545$4,432,872$6,486,707
43$8,296,906$5,213,905$4,524,531$6,921,135
44$9,084,558$5,410,754$4,617,470$7,392,330
45$9,950,703$5,615,401$4,711,676$7,903,778
46$10,903,290$5,828,171$4,807,132$8,459,314
47$11,951,076$6,049,401$4,903,821$9,063,152
48$13,103,709$6,279,445$5,001,722$9,719,924
49$14,371,819$6,518,670$5,100,812$10,434,726
50$15,767,120$6,767,460$5,201,064$11,213,161
51$17,302,517$7,026,216$5,302,451$12,061,393
52$18,992,230$7,295,357$5,404,939$12,986,201
53$20,851,926$7,575,318$5,508,493$13,995,042
54$22,898,870$7,866,556$5,613,075$15,096,123
55$25,152,083$8,169,546$5,718,642$16,298,473
56$27,632,527$8,484,785$5,825,147$17,612,025
57$30,363,296$8,812,791$5,932,541$19,047,715
58$33,369,839$9,154,105$6,040,769$20,617,576
59$36,680,199$9,509,292$6,149,770$22,334,851
60$40,325,274$9,878,942$6,259,483$24,214,120
61$44,339,114$10,263,672$6,369,837$26,271,429
62$48,759,236$10,664,124$6,480,759$28,524,446
63$53,626,983$11,080,971$6,592,169$30,992,620
64$58,987,910$11,514,914$6,703,982$33,697,365
65$64,892,218$11,966,686$6,816,106$36,662,257
66$71,395,223$12,437,052$6,928,444$39,913,256
67$78,557,880$12,926,812$7,040,891$43,478,948
68$86,447,359$13,436,801$7,153,337$47,390,812
69$95,137,677$13,967,891$7,265,661$51,683,511
70$104,710,397$14,520,995$7,377,737$56,395,222
71$115,255,398$15,097,064$7,489,432$61,567,986
72$126,871,722$15,697,094$7,600,601$67,248,107
73$139,668,509$16,322,123$7,711,094$73,486,582
74$153,766,029$16,973,239$7,820,747$80,339,582
75$169,296,813$17,651,577$7,929,391$87,868,975
76$186,406,906$18,358,323$8,036,844$96,142,905
77$205,257,246$19,094,716$8,142,914$105,236,436
78$226,025,181$19,862,053$8,247,398$115,232,253
79$248,906,144$20,661,688$8,350,080$126,221,436
80$274,115,497$21,495,037$8,450,733$138,304,319
81$301,890,563$22,363,579$8,549,118$151,591,430
82$332,492,866$23,268,861$8,644,980$166,204,528
83$366,210,604$24,212,499$8,738,051$182,277,748
84$403,361,359$25,196,186$8,828,050$199,958,863
85$444,295,105$26,221,687$8,914,678$219,410,670
86$489,397,507$27,290,850$8,997,620$240,812,523
87$539,093,559$28,405,608$9,076,547$264,362,020
88$593,851,600$29,567,981$9,151,109$290,276,856
89$654,187,732$30,780,080$9,220,940$318,796,880
90$720,670,692$32,044,116$9,285,653$350,186,344
91$793,927,222$33,362,397$9,344,841$384,736,394
92$874,647,984$34,737,340$9,398,079$422,767,810
93$963,594,079$36,171,471$9,444,916$464,634,023
94$1,061,604,235$37,667,432$9,484,879$510,724,446
95$1,169,602,718$39,227,987$9,517,474$561,468,141
96$1,288,608,064$40,856,028$9,542,179$617,337,858
97$1,419,742,691$42,554,577$9,558,446$678,854,487
98$1,564,243,492$44,326,798$9,565,701$746,591,968
99$1,723,473,517$46,176,000$9,563,341$821,182,699
100$1,898,934,837$48,105,645$9,550,733$903,323,488