Can I retire at age 35 with 3,800,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $3,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$313,800$311,005$308,278$305,616$303,017$295,692
2 years$155,347$152,454$149,650$146,931$144,294$136,958
3 years$102,536$99,630$96,833$94,140$91,546$84,428
4 years$76,135$73,239$70,470$67,823$65,291$58,447
5 years$60,299$57,420$54,687$52,094$49,633$43,082
6 years$49,745$46,888$44,196$41,660$39,273$33,020
7 years$42,210$39,376$36,727$34,251$31,940$25,987
8 years$36,561$33,753$31,147$28,732$26,497$20,841
9 years$32,169$29,388$26,827$24,474$22,314$16,951
10 years$28,658$25,904$23,388$21,097$19,013$13,936
11 years$25,787$23,061$20,591$18,360$16,352$11,555
12 years$23,397$20,698$18,274$16,104$14,170$9,644
13 years$21,376$18,705$16,326$14,218$12,357$8,093
14 years$19,645$17,002$14,669$12,621$10,832$6,822
15 years$18,146$15,532$13,244$11,256$9,537$5,771
16 years$16,835$14,250$12,008$10,078$8,429$4,897
17 years$15,681$13,124$10,927$9,055$7,474$4,166
18 years$14,655$12,127$9,975$8,161$6,645$3,551
19 years$13,739$11,239$9,131$7,374$5,923$3,032
20 years$12,915$10,444$8,380$6,678$5,291$2,594
21 years$12,171$9,728$7,708$6,061$4,734$2,221
22 years$11,495$9,081$7,104$5,511$4,244$1,904
23 years$10,879$8,493$6,560$5,019$3,809$1,634
24 years$10,315$7,958$6,067$4,578$3,424$1,403
25 years$9,797$7,468$5,619$4,180$3,081$1,205
26 years$9,320$7,019$5,211$3,822$2,775$1,036
27 years$8,878$6,605$4,839$3,499$2,502$892
28 years$8,469$6,224$4,499$3,206$2,258$767
29 years$8,089$5,872$4,186$2,940$2,039$661
30 years$7,735$5,545$3,899$2,698$1,842$569
31 years$7,405$5,242$3,635$2,478$1,665$490
32 years$7,095$4,960$3,392$2,277$1,507$422
33 years$6,805$4,697$3,167$2,094$1,363$364
34 years$6,533$4,452$2,959$1,927$1,234$314
35 years$6,277$4,223$2,766$1,774$1,118$270
36 years$6,035$4,008$2,588$1,633$1,013$233
37 years$5,807$3,807$2,422$1,505$918$201
38 years$5,592$3,618$2,268$1,387$832$173
39 years$5,388$3,440$2,125$1,279$755$149
40 years$5,195$3,273$1,992$1,180$685$129
41 years$5,012$3,115$1,868$1,088$621$111
42 years$4,838$2,967$1,752$1,005$564$96
43 years$4,672$2,827$1,644$927$512$83
44 years$4,515$2,695$1,543$856$464$71
45 years$4,365$2,570$1,449$791$421$62
46 years$4,222$2,451$1,361$730$383$53
47 years$4,085$2,339$1,279$675$348$46
48 years$3,954$2,233$1,202$624$316$39
49 years$3,830$2,133$1,129$576$287$34
50 years$3,710$2,037$1,062$533$260$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,800,000, adding $6,672 every year, while hoping to spend $50,984 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: 56/16/28 Blend
34$3,800,000$3,800,000$3,800,000$3,800,000
35$4,194,482$3,993,082$3,934,182$4,396,660
36$4,568,073$4,134,497$4,011,731$4,677,930
37$4,978,061$4,281,132$4,090,168$4,978,379
38$5,428,105$4,433,189$4,169,471$5,304,711
39$5,922,236$4,590,879$4,249,612$5,659,442
40$6,464,892$4,754,421$4,330,563$6,045,340
41$7,060,965$4,924,042$4,412,291$6,465,452
42$7,715,843$5,099,978$4,494,761$6,923,133
43$8,435,459$5,282,478$4,577,936$7,422,075
44$9,226,353$5,471,797$4,661,774$7,966,346
45$10,095,729$5,668,202$4,746,231$8,560,423
46$11,051,521$5,871,972$4,831,258$9,209,235
47$12,102,475$6,083,397$4,916,804$9,918,214
48$13,258,222$6,302,779$5,002,812$10,693,337
49$14,529,377$6,530,430$5,089,222$11,541,191
50$15,927,631$6,766,680$5,175,969$12,469,027
51$17,465,870$7,011,868$5,262,984$13,484,834
52$19,158,289$7,266,349$5,350,194$14,597,410
53$21,020,527$7,530,493$5,437,518$15,816,447
54$23,069,818$7,804,685$5,524,873$17,152,620
55$25,325,151$8,089,326$5,612,167$18,617,688
56$27,807,448$8,384,834$5,699,306$20,224,607
57$30,539,761$8,691,644$5,786,187$21,987,645
58$33,547,493$9,010,211$5,872,700$23,922,523
59$36,858,633$9,341,007$5,958,731$26,046,562
60$40,504,022$9,684,525$6,044,157$28,378,840
61$44,517,644$10,041,278$6,128,848$30,940,379
62$48,936,945$10,411,802$6,212,666$33,754,338
63$53,803,187$10,796,654$6,295,464$36,846,231
64$59,161,838$11,196,416$6,377,088$40,244,172
65$65,063,000$11,611,695$6,457,374$43,979,133
66$71,561,879$12,043,121$6,536,150$48,085,241
67$78,719,312$12,491,355$6,613,232$52,600,095
68$86,602,333$12,957,083$6,688,427$57,565,125
69$95,284,813$13,441,022$6,761,531$63,025,979
70$104,848,150$13,943,918$6,832,328$69,032,953
71$115,382,043$14,466,552$6,900,593$75,641,467
72$126,985,334$15,009,735$6,966,085$82,912,585
73$139,766,941$15,574,315$7,028,552$90,913,594
74$153,846,889$16,161,177$7,087,728$99,718,635
75$169,357,439$16,771,241$7,143,334$109,409,403
76$186,444,337$17,405,472$7,195,075$120,075,918
77$205,268,190$18,064,871$7,242,642$131,817,372
78$226,005,983$18,750,487$7,285,707$144,743,067
79$248,852,744$19,463,411$7,323,929$158,973,446
80$274,023,390$20,204,785$7,356,947$174,641,224
81$301,754,754$20,975,797$7,384,383$191,892,646
82$332,307,817$21,777,690$7,405,838$210,888,864
83$365,970,177$22,611,759$7,420,896$231,807,456
84$403,058,757$23,479,357$7,429,118$254,844,103
85$443,922,799$24,381,895$7,430,043$280,214,434
86$488,947,164$25,320,847$7,423,188$308,156,060
87$538,555,958$26,297,751$7,408,048$338,930,820
88$593,216,538$27,314,213$7,384,090$372,827,245
89$653,443,925$28,371,910$7,350,758$410,163,286
90$719,805,664$29,472,592$7,307,466$451,289,310
91$792,927,180$30,618,087$7,253,604$496,591,411
92$873,497,682$31,810,304$7,188,530$546,495,050
93$962,276,671$33,051,234$7,111,572$601,469,069
94$1,060,101,108$34,342,961$7,022,025$662,030,119
95$1,167,893,311$35,687,657$6,919,154$728,747,536
96$1,286,669,669$37,087,592$6,802,186$802,248,711
97$1,417,550,230$38,545,138$6,670,313$883,225,013
98$1,561,769,276$40,062,773$6,522,691$972,438,314
99$1,720,686,976$41,643,082$6,358,435$1,070,728,180
100$1,895,802,223$43,288,769$6,176,619$1,179,019,796