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%15.3%
1 years$313,800$311,005$308,278$305,616$303,017$296,415
2 years$155,347$152,454$149,650$146,931$144,294$137,675
3 years$102,536$99,630$96,833$94,140$91,546$85,118
4 years$76,135$73,239$70,470$67,823$65,291$59,103
5 years$60,299$57,420$54,687$52,094$49,633$43,703
6 years$49,745$46,888$44,196$41,660$39,273$33,606
7 years$42,210$39,376$36,727$34,251$31,940$26,537
8 years$36,561$33,753$31,147$28,732$26,497$21,357
9 years$32,169$29,388$26,827$24,474$22,314$17,434
10 years$28,658$25,904$23,388$21,097$19,013$14,387
11 years$25,787$23,061$20,591$18,360$16,352$11,974
12 years$23,397$20,698$18,274$16,104$14,170$10,033
13 years$21,376$18,705$16,326$14,218$12,357$8,454
14 years$19,645$17,002$14,669$12,621$10,832$7,155
15 years$18,146$15,532$13,244$11,256$9,537$6,078
16 years$16,835$14,250$12,008$10,078$8,429$5,180
17 years$15,681$13,124$10,927$9,055$7,474$4,425
18 years$14,655$12,127$9,975$8,161$6,645$3,789
19 years$13,739$11,239$9,131$7,374$5,923$3,250
20 years$12,915$10,444$8,380$6,678$5,291$2,792
21 years$12,171$9,728$7,708$6,061$4,734$2,402
22 years$11,495$9,081$7,104$5,511$4,244$2,069
23 years$10,879$8,493$6,560$5,019$3,809$1,783
24 years$10,315$7,958$6,067$4,578$3,424$1,539
25 years$9,797$7,468$5,619$4,180$3,081$1,329
26 years$9,320$7,019$5,211$3,822$2,775$1,148
27 years$8,878$6,605$4,839$3,499$2,502$992
28 years$8,469$6,224$4,499$3,206$2,258$858
29 years$8,089$5,872$4,186$2,940$2,039$742
30 years$7,735$5,545$3,899$2,698$1,842$642
31 years$7,405$5,242$3,635$2,478$1,665$556
32 years$7,095$4,960$3,392$2,277$1,507$482
33 years$6,805$4,697$3,167$2,094$1,363$417
34 years$6,533$4,452$2,959$1,927$1,234$361
35 years$6,277$4,223$2,766$1,774$1,118$313
36 years$6,035$4,008$2,588$1,633$1,013$271
37 years$5,807$3,807$2,422$1,505$918$235
38 years$5,592$3,618$2,268$1,387$832$204
39 years$5,388$3,440$2,125$1,279$755$177
40 years$5,195$3,273$1,992$1,180$685$153
41 years$5,012$3,115$1,868$1,088$621$133
42 years$4,838$2,967$1,752$1,005$564$115
43 years$4,672$2,827$1,644$927$512$100
44 years$4,515$2,695$1,543$856$464$86
45 years$4,365$2,570$1,449$791$421$75
46 years$4,222$2,451$1,361$730$383$65
47 years$4,085$2,339$1,279$675$348$56
48 years$3,954$2,233$1,202$624$316$49
49 years$3,830$2,133$1,129$576$287$42
50 years$3,710$2,037$1,062$533$260$37

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 $4,103 every year, while hoping to spend $27,037 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: 24/49/27 Blend
34$3,800,000$3,800,000$3,800,000$3,800,000
35$4,191,832$3,990,432$3,931,532$4,256,609
36$4,590,632$4,157,196$4,034,471$4,478,425
37$5,029,203$4,331,226$4,139,953$4,713,357
38$5,511,574$4,512,848$4,248,033$4,964,503
39$6,042,182$4,702,405$4,358,770$5,233,229
40$6,625,918$4,900,256$4,472,222$5,521,028
41$7,268,169$5,106,776$4,588,449$5,829,536
42$7,974,872$5,322,357$4,707,511$6,160,540
43$8,752,566$5,547,411$4,829,471$6,515,999
44$9,608,460$5,782,366$4,954,390$6,898,058
45$10,550,493$6,027,672$5,082,333$7,309,066
46$11,587,416$6,283,801$5,213,363$7,751,596
47$12,728,870$6,551,244$5,347,548$8,228,471
48$13,985,477$6,830,517$5,484,953$8,742,783
49$15,368,943$7,122,160$5,625,647$9,297,925
50$16,892,167$7,426,737$5,769,698$9,897,618
51$18,569,360$7,744,840$5,917,175$10,545,943
52$20,416,185$8,077,087$6,068,150$11,247,382
53$22,449,897$8,424,126$6,222,694$12,006,850
54$24,689,513$8,786,634$6,380,881$12,829,745
55$27,155,985$9,165,321$6,542,783$13,721,996
56$29,872,405$9,560,931$6,708,475$14,690,112
57$32,864,214$9,974,240$6,878,033$15,741,242
58$36,159,450$10,406,064$7,051,533$16,883,242
59$39,789,007$10,857,254$7,229,052$18,124,742
60$43,786,929$11,328,704$7,410,669$19,475,228
61$48,190,732$11,821,346$7,596,463$20,945,124
62$53,041,755$12,336,161$7,786,513$22,545,888
63$58,385,554$12,874,172$7,980,900$24,290,118
64$64,272,326$13,436,452$8,179,706$26,191,666
65$70,757,389$14,024,124$8,383,012$28,265,761
66$77,901,701$14,638,365$8,590,902$30,529,153
67$85,772,436$15,280,406$8,803,458$33,000,265
68$94,443,615$15,951,537$9,020,765$35,699,361
69$103,996,810$16,653,108$9,242,907$38,648,733
70$114,521,909$17,386,535$9,469,968$41,872,906
71$126,117,967$18,153,299$9,702,036$45,398,862
72$138,894,140$18,954,951$9,939,194$49,256,294
73$152,970,716$19,793,116$10,181,530$53,477,874
74$168,480,247$20,669,497$10,429,130$58,099,559
75$185,568,805$21,585,876$10,682,079$63,160,922
76$204,397,359$22,544,120$10,940,464$68,705,521
77$225,143,293$23,546,184$11,204,373$74,781,299
78$248,002,079$24,594,118$11,473,890$81,441,033
79$273,189,129$25,690,067$11,749,103$88,742,821
80$300,941,819$26,836,279$12,030,097$96,750,625
81$331,521,736$28,035,109$12,316,957$105,534,863
82$365,217,146$29,289,022$12,609,768$115,173,067
83$402,345,715$30,600,604$12,908,614$125,750,605
84$443,257,504$31,972,560$13,213,579$137,361,478
85$488,338,280$33,407,726$13,524,745$150,109,192
86$538,013,154$34,909,074$13,842,193$164,107,730
87$592,750,593$36,479,715$14,166,004$179,482,617
88$653,066,843$38,122,911$14,496,254$196,372,086
89$719,530,805$39,842,078$14,833,023$214,928,379
90$792,769,402$41,640,795$15,176,384$235,319,165
91$873,473,499$43,522,812$15,526,412$257,729,112
92$962,404,426$45,492,059$15,883,176$282,361,616
93$1,060,401,160$47,552,653$16,246,745$309,440,707
94$1,168,388,253$49,708,908$16,617,186$339,213,145
95$1,287,384,555$51,965,344$16,994,561$371,950,737
96$1,418,512,831$54,326,698$17,378,931$407,952,884
97$1,563,010,365$56,797,931$17,770,350$447,549,390
98$1,722,240,638$59,384,246$18,168,873$491,103,556
99$1,897,706,201$62,091,092$18,574,548$539,015,591
100$2,091,062,857$64,924,179$18,987,419$591,726,372