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

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 $3,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$313,800$311,005$308,278$305,616$303,017$299,604
2 years$155,347$152,454$149,650$146,931$144,294$140,857
3 years$102,536$99,630$96,833$94,140$91,546$88,193
4 years$76,135$73,239$70,470$67,823$65,291$62,048
5 years$60,299$57,420$54,687$52,094$49,633$46,509
6 years$49,745$46,888$44,196$41,660$39,273$36,272
7 years$42,210$39,376$36,727$34,251$31,940$29,063
8 years$36,561$33,753$31,147$28,732$26,497$23,744
9 years$32,169$29,388$26,827$24,474$22,314$19,684
10 years$28,658$25,904$23,388$21,097$19,013$16,504
11 years$25,787$23,061$20,591$18,360$16,352$13,962
12 years$23,397$20,698$18,274$16,104$14,170$11,896
13 years$21,376$18,705$16,326$14,218$12,357$10,197
14 years$19,645$17,002$14,669$12,621$10,832$8,782
15 years$18,146$15,532$13,244$11,256$9,537$7,595
16 years$16,835$14,250$12,008$10,078$8,429$6,591
17 years$15,681$13,124$10,927$9,055$7,474$5,736
18 years$14,655$12,127$9,975$8,161$6,645$5,005
19 years$13,739$11,239$9,131$7,374$5,923$4,376
20 years$12,915$10,444$8,380$6,678$5,291$3,833
21 years$12,171$9,728$7,708$6,061$4,734$3,363
22 years$11,495$9,081$7,104$5,511$4,244$2,955
23 years$10,879$8,493$6,560$5,019$3,809$2,599
24 years$10,315$7,958$6,067$4,578$3,424$2,288
25 years$9,797$7,468$5,619$4,180$3,081$2,017
26 years$9,320$7,019$5,211$3,822$2,775$1,779
27 years$8,878$6,605$4,839$3,499$2,502$1,570
28 years$8,469$6,224$4,499$3,206$2,258$1,387
29 years$8,089$5,872$4,186$2,940$2,039$1,226
30 years$7,735$5,545$3,899$2,698$1,842$1,083
31 years$7,405$5,242$3,635$2,478$1,665$958
32 years$7,095$4,960$3,392$2,277$1,507$848
33 years$6,805$4,697$3,167$2,094$1,363$750
34 years$6,533$4,452$2,959$1,927$1,234$664
35 years$6,277$4,223$2,766$1,774$1,118$588
36 years$6,035$4,008$2,588$1,633$1,013$521
37 years$5,807$3,807$2,422$1,505$918$462
38 years$5,592$3,618$2,268$1,387$832$409
39 years$5,388$3,440$2,125$1,279$755$363
40 years$5,195$3,273$1,992$1,180$685$321
41 years$5,012$3,115$1,868$1,088$621$285
42 years$4,838$2,967$1,752$1,005$564$253
43 years$4,672$2,827$1,644$927$512$224
44 years$4,515$2,695$1,543$856$464$199
45 years$4,365$2,570$1,449$791$421$176
46 years$4,222$2,451$1,361$730$383$156
47 years$4,085$2,339$1,279$675$348$139
48 years$3,954$2,233$1,202$624$316$123
49 years$3,830$2,133$1,129$576$287$109
50 years$3,710$2,037$1,062$533$260$97

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 $4,063 every year, while hoping to spend $43,246 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: 44/50/6 Blend
34$3,800,000$3,800,000$3,800,000$3,800,000
35$4,191,791$3,990,391$3,931,491$4,368,968
36$4,573,340$4,139,907$4,017,183$4,641,293
37$4,992,358$4,295,299$4,104,295$4,931,475
38$5,452,621$4,456,811$4,192,831$5,244,957
39$5,958,288$4,624,695$4,282,791$5,583,888
40$6,513,943$4,799,214$4,374,174$5,950,629
41$7,124,633$4,980,644$4,466,977$6,347,773
42$7,795,921$5,169,271$4,561,196$6,778,165
43$8,533,935$5,365,395$4,656,826$7,244,935
44$9,345,426$5,569,329$4,753,859$7,751,520
45$10,237,830$5,781,397$4,852,285$8,301,695
46$11,219,344$6,001,941$4,952,092$8,899,612
47$12,298,996$6,231,315$5,053,266$9,549,836
48$13,486,734$6,469,890$5,155,790$10,257,381
49$14,793,518$6,718,051$5,259,646$11,027,766
50$16,231,425$6,976,204$5,364,813$11,867,055
51$17,813,761$7,244,769$5,471,264$12,781,921
52$19,555,188$7,524,185$5,578,974$13,779,702
53$21,471,859$7,814,912$5,687,912$14,868,469
54$23,581,574$8,117,429$5,798,043$16,057,102
55$25,903,948$8,432,236$5,909,331$17,355,373
56$28,460,591$8,759,856$6,021,734$18,774,031
57$31,275,317$9,100,834$6,135,207$20,324,907
58$34,374,364$9,455,740$6,249,701$22,021,020
59$37,786,647$9,825,169$6,365,164$23,876,698
60$41,544,024$10,209,742$6,481,537$25,907,711
61$45,681,603$10,610,107$6,598,757$28,131,419
62$50,238,068$11,026,944$6,716,756$30,566,930
63$55,256,046$11,460,959$6,835,463$33,235,281
64$60,782,509$11,912,893$6,954,797$36,159,631
65$66,869,218$12,383,517$7,074,675$39,365,476
66$73,573,207$12,873,638$7,195,006$42,880,892
67$80,957,329$13,384,101$7,315,693$46,736,788
68$89,090,840$13,915,785$7,436,632$50,967,203
69$98,050,058$14,469,612$7,557,713$55,609,619
70$107,919,084$15,046,543$7,678,816$60,705,310
71$118,790,590$15,647,582$7,799,815$66,299,731
72$130,766,697$16,273,781$7,920,576$72,442,942
73$143,959,941$16,926,237$8,040,956$79,190,076
74$158,494,330$17,606,097$8,160,803$86,601,855
75$174,506,516$18,314,561$8,279,954$94,745,157
76$192,147,086$19,052,880$8,398,239$103,693,647
77$211,581,984$19,822,366$8,515,474$113,528,463
78$232,994,071$20,624,387$8,631,468$124,338,978
79$256,584,860$21,460,375$8,746,015$136,223,639
80$282,576,409$22,331,827$8,858,900$149,290,890
81$311,213,422$23,240,306$8,969,892$163,660,190
82$342,765,558$24,187,448$9,078,751$179,463,134
83$377,529,976$25,174,964$9,185,221$196,844,691
84$415,834,139$26,204,642$9,289,030$215,964,561
85$458,038,902$27,278,351$9,389,894$236,998,680
86$504,541,927$28,398,047$9,487,513$260,140,874
87$555,781,427$29,565,775$9,581,567$285,604,676
88$612,240,307$30,783,672$9,671,724$313,625,338
89$674,450,721$32,053,975$9,757,630$344,462,044
90$742,999,098$33,379,023$9,838,914$378,400,344
91$818,531,672$34,761,262$9,915,184$415,754,845
92$901,760,590$36,203,250$9,986,029$456,872,168
93$993,470,625$37,707,665$10,051,017$502,134,213
94$1,094,526,594$39,277,305$10,109,691$551,961,752
95$1,205,881,513$40,915,100$10,161,572$606,818,391
96$1,328,585,600$42,624,112$10,206,157$667,214,935
97$1,463,796,185$44,407,548$10,242,918$733,714,201
98$1,612,788,638$46,268,760$10,271,297$806,936,313
99$1,776,968,406$48,211,256$10,290,713$887,564,550
100$1,957,884,284$50,238,707$10,300,552$976,351,779