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%18%
1 years$305,543$302,821$300,166$297,574$295,043$285,484
2 years$151,259$148,442$145,711$143,064$140,497$130,956
3 years$99,837$97,008$94,285$91,663$89,137$79,914
4 years$74,132$71,311$68,615$66,038$63,573$54,738
5 years$58,713$55,909$53,248$50,723$48,327$39,904
6 years$48,436$45,654$43,033$40,564$38,240$30,236
7 years$41,099$38,340$35,760$33,350$31,099$23,513
8 years$35,599$32,864$30,328$27,976$25,800$18,626
9 years$31,323$28,614$26,121$23,830$21,727$14,958
10 years$27,904$25,222$22,773$20,541$18,513$12,137
11 years$25,109$22,454$20,049$17,877$15,921$9,928
12 years$22,781$20,153$17,793$15,681$13,797$8,173
13 years$20,813$18,213$15,897$13,844$12,031$6,762
14 years$19,128$16,555$14,283$12,289$10,547$5,618
15 years$17,668$15,123$12,896$10,960$9,286$4,683
16 years$16,392$13,875$11,692$9,813$8,207$3,914
17 years$15,268$12,779$10,639$8,817$7,277$3,279
18 years$14,269$11,808$9,712$7,946$6,470$2,752
19 years$13,377$10,944$8,891$7,180$5,767$2,313
20 years$12,575$10,169$8,160$6,503$5,151$1,947
21 years$11,850$9,472$7,506$5,902$4,610$1,641
22 years$11,192$8,842$6,917$5,366$4,132$1,384
23 years$10,593$8,270$6,387$4,887$3,709$1,168
24 years$10,044$7,748$5,907$4,457$3,334$986
25 years$9,539$7,271$5,471$4,070$3,000$833
26 years$9,074$6,834$5,074$3,722$2,702$704
27 years$8,645$6,431$4,712$3,407$2,436$596
28 years$8,246$6,060$4,380$3,121$2,198$504
29 years$7,876$5,717$4,076$2,862$1,985$426
30 years$7,532$5,399$3,797$2,627$1,794$361
31 years$7,210$5,104$3,540$2,413$1,622$306
32 years$6,909$4,830$3,303$2,217$1,467$259
33 years$6,626$4,574$3,084$2,039$1,328$219
34 years$6,361$4,335$2,881$1,876$1,202$186
35 years$6,112$4,111$2,694$1,727$1,089$157
36 years$5,876$3,902$2,520$1,590$986$133
37 years$5,655$3,706$2,359$1,465$894$113
38 years$5,445$3,522$2,209$1,351$810$96
39 years$5,247$3,349$2,069$1,245$735$81
40 years$5,058$3,187$1,940$1,149$667$69
41 years$4,880$3,033$1,819$1,060$605$58
42 years$4,711$2,889$1,706$978$549$49
43 years$4,550$2,753$1,601$903$498$42
44 years$4,396$2,624$1,503$834$452$35
45 years$4,250$2,502$1,411$770$410$30
46 years$4,111$2,387$1,325$711$373$25
47 years$3,978$2,278$1,245$657$338$22
48 years$3,850$2,174$1,170$607$307$18
49 years$3,729$2,076$1,100$561$279$15
50 years$3,612$1,984$1,034$519$253$13

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 $6,620 every year, while hoping to spend $36,824 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: 85/7/8 Blend
34$3,700,000$3,700,000$3,700,000$3,700,000
35$4,084,229$3,888,129$3,830,779$4,427,297
36$4,461,639$4,039,466$3,919,929$4,803,572
37$4,876,312$4,196,986$4,010,832$5,211,193
38$5,332,008$4,360,950$4,103,507$5,657,864
39$5,832,872$4,531,636$4,197,974$6,147,489
40$6,383,470$4,709,331$4,294,251$6,684,367
41$6,988,831$4,894,335$4,392,356$7,273,235
42$7,654,498$5,086,964$4,492,306$7,919,308
43$8,386,576$5,287,545$4,594,118$8,628,330
44$9,191,793$5,496,421$4,697,807$9,406,630
45$10,077,561$5,713,950$4,803,388$10,261,178
46$11,052,045$5,940,506$4,910,874$11,199,651
47$12,124,243$6,176,481$5,020,278$12,230,509
48$13,304,070$6,422,282$5,131,611$13,363,068
49$14,602,448$6,678,338$5,244,884$14,607,593
50$16,031,414$6,945,092$5,360,104$15,975,391
51$17,604,230$7,223,013$5,477,278$17,478,919
52$19,335,507$7,512,586$5,596,413$19,131,903
53$21,241,347$7,814,322$5,717,511$20,949,460
54$23,339,492$8,128,751$5,840,575$22,948,250
55$25,649,491$8,456,430$5,965,605$25,146,625
56$28,192,885$8,797,941$6,092,599$27,564,806
57$30,993,410$9,153,892$6,221,552$30,225,070
58$34,077,222$9,524,916$6,352,458$33,151,964
59$37,473,141$9,911,679$6,485,307$36,372,532
60$41,212,924$10,314,875$6,620,088$39,916,571
61$45,331,568$10,735,229$6,756,787$43,816,914
62$49,867,633$11,173,500$6,895,384$48,109,737
63$54,863,613$11,630,483$7,035,861$52,834,899
64$60,366,332$12,107,007$7,178,192$58,036,319
65$66,427,386$12,603,939$7,322,350$63,762,390
66$73,103,634$13,122,187$7,468,304$70,066,436
67$80,457,731$13,662,699$7,616,018$77,007,211
68$88,558,717$14,226,469$7,765,452$84,649,458
69$97,482,674$14,814,534$7,916,563$93,064,513
70$107,313,440$15,427,980$8,069,301$102,330,984
71$118,143,402$16,067,942$8,223,613$112,535,489
72$130,074,365$16,735,607$8,379,441$123,773,472
73$143,218,518$17,432,219$8,536,719$136,150,105
74$157,699,485$18,159,077$8,695,378$149,781,280
75$173,653,501$18,917,540$8,855,342$164,794,698
76$191,230,690$19,709,031$9,016,527$181,331,080
77$210,596,484$20,535,037$9,178,845$199,545,490
78$231,933,188$21,397,116$9,342,198$219,608,798
79$255,441,695$22,296,897$9,506,484$241,709,292
80$281,343,387$23,236,084$9,671,590$266,054,457
81$309,882,220$24,216,460$9,837,396$292,872,928
82$341,327,032$25,239,891$10,003,774$322,416,652
83$375,974,074$26,308,331$10,170,585$354,963,261
84$414,149,812$27,423,822$10,337,683$390,818,693
85$456,214,007$28,588,503$10,504,909$430,320,081
86$502,563,108$29,804,612$10,672,096$473,838,930
87$553,633,999$31,074,492$10,839,065$521,784,625
88$609,908,119$32,400,594$11,005,625$574,608,297
89$671,916,007$33,785,483$11,171,574$632,807,074
90$740,242,314$35,231,846$11,336,696$696,928,777
91$815,531,316$36,742,493$11,500,762$767,577,089
92$898,493,002$38,320,367$11,663,529$845,417,251
93$989,909,771$39,968,547$11,824,740$931,182,344
94$1,090,643,820$41,690,259$11,984,121$1,025,680,202
95$1,201,645,285$43,488,877$12,141,384$1,129,801,041
96$1,323,961,207$45,367,935$12,296,224$1,244,525,860
97$1,458,745,418$47,331,132$12,448,315$1,370,935,700
98$1,607,269,434$49,382,340$12,597,317$1,510,221,845
99$1,770,934,457$51,525,616$12,742,868$1,663,697,071
100$1,951,284,604$53,765,203$12,884,586$1,832,808,032