Can I retire at age 35 with 3,900,000?

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 $3,900,000?

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$322,058$319,190$316,391$313,659$310,991$307,488
2 years$159,435$156,466$153,588$150,798$148,091$144,564
3 years$105,234$102,252$99,381$96,617$93,955$90,514
4 years$78,139$75,166$72,324$69,607$67,010$63,681
5 years$61,886$58,931$56,127$53,465$50,940$47,733
6 years$51,055$48,122$45,359$42,757$40,307$37,227
7 years$43,321$40,412$37,693$35,153$32,780$29,827
8 years$37,523$34,641$31,967$29,489$27,194$24,369
9 years$33,016$30,161$27,533$25,118$22,902$20,202
10 years$29,412$26,586$24,004$21,652$19,513$16,938
11 years$26,466$23,668$21,133$18,843$16,782$14,329
12 years$24,013$21,243$18,755$16,528$14,543$12,209
13 years$21,938$19,197$16,756$14,592$12,682$10,465
14 years$20,161$17,450$15,055$12,953$11,117$9,013
15 years$18,623$15,941$13,593$11,552$9,788$7,795
16 years$17,278$14,625$12,324$10,343$8,651$6,764
17 years$16,093$13,469$11,214$9,294$7,670$5,887
18 years$15,041$12,446$10,237$8,375$6,820$5,137
19 years$14,100$11,535$9,372$7,568$6,079$4,491
20 years$13,255$10,719$8,601$6,854$5,430$3,934
21 years$12,491$9,984$7,911$6,221$4,859$3,452
22 years$11,797$9,320$7,291$5,656$4,355$3,032
23 years$11,165$8,717$6,732$5,151$3,910$2,667
24 years$10,586$8,167$6,226$4,698$3,514$2,349
25 years$10,055$7,664$5,767$4,290$3,162$2,070
26 years$9,565$7,203$5,348$3,923$2,848$1,826
27 years$9,112$6,779$4,966$3,591$2,568$1,612
28 years$8,692$6,388$4,617$3,290$2,317$1,423
29 years$8,302$6,026$4,296$3,017$2,092$1,258
30 years$7,939$5,691$4,002$2,769$1,891$1,112
31 years$7,599$5,380$3,731$2,543$1,709$984
32 years$7,282$5,091$3,481$2,337$1,546$870
33 years$6,984$4,821$3,250$2,149$1,399$770
34 years$6,705$4,569$3,037$1,977$1,267$682
35 years$6,442$4,334$2,839$1,820$1,147$604
36 years$6,194$4,113$2,656$1,676$1,040$535
37 years$5,960$3,907$2,486$1,545$942$474
38 years$5,739$3,713$2,328$1,424$854$420
39 years$5,530$3,531$2,181$1,313$775$372
40 years$5,332$3,359$2,044$1,211$703$330
41 years$5,144$3,197$1,917$1,117$637$292
42 years$4,965$3,045$1,798$1,031$578$259
43 years$4,795$2,901$1,687$952$525$230
44 years$4,634$2,766$1,584$879$477$204
45 years$4,480$2,637$1,487$812$433$181
46 years$4,333$2,516$1,397$750$393$160
47 years$4,193$2,401$1,312$693$357$142
48 years$4,059$2,292$1,233$640$324$126
49 years$3,930$2,189$1,159$591$294$112
50 years$3,808$2,091$1,090$547$267$99

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,900,000, adding $2,449 every year, while hoping to spend $38,690 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: 72/9/19 Blend
34$3,900,000$3,900,000$3,900,000$3,900,000
35$4,300,326$4,093,626$4,033,176$4,590,292
36$4,697,794$4,253,048$4,127,122$4,942,837
37$5,134,506$4,418,985$4,222,918$5,323,928
38$5,614,425$4,591,715$4,320,585$5,740,314
39$6,141,917$4,771,529$4,420,145$6,195,489
40$6,721,789$4,958,731$4,521,617$6,693,302
41$7,359,341$5,153,638$4,625,020$7,237,991
42$8,060,408$5,356,581$4,730,373$7,834,221
43$8,831,423$5,567,906$4,837,693$8,487,131
44$9,679,470$5,787,975$4,946,998$9,202,381
45$10,612,355$6,017,166$5,058,302$9,986,204
46$11,638,681$6,255,872$5,171,620$10,845,465
47$12,767,924$6,504,507$5,286,967$11,787,724
48$14,010,525$6,763,501$5,404,354$12,821,309
49$15,377,991$7,033,305$5,523,792$13,955,395
50$16,882,998$7,314,388$5,645,290$15,200,086
51$18,539,513$7,607,243$5,768,857$16,566,513
52$20,362,928$7,912,382$5,894,498$18,066,937
53$22,370,201$8,230,344$6,022,219$19,714,866
54$24,580,020$8,561,689$6,152,021$21,525,180
55$27,012,973$8,907,003$6,283,905$23,514,272
56$29,691,751$9,266,900$6,417,870$25,700,202
57$32,641,352$9,642,022$6,553,912$28,102,866
58$35,889,326$10,033,036$6,692,024$30,744,184
59$39,466,027$10,440,645$6,832,197$33,648,305
60$43,404,906$10,865,581$6,974,419$36,841,838
61$47,742,821$11,308,609$7,118,677$40,354,096
62$52,520,387$11,770,529$7,264,951$44,217,379
63$57,782,361$12,252,180$7,413,221$48,467,271
64$63,578,061$12,754,435$7,563,462$53,142,983
65$69,961,831$13,278,210$7,715,647$58,287,716
66$76,993,559$13,824,463$7,869,742$63,949,069
67$84,739,234$14,394,195$8,025,711$70,179,490
68$93,271,578$14,988,452$8,183,513$77,036,769
69$102,670,721$15,608,329$8,343,104$84,584,581
70$113,024,969$16,254,971$8,504,432$92,893,088
71$124,431,628$16,929,577$8,667,443$102,039,600
72$136,997,927$17,633,399$8,832,075$112,109,303
73$150,842,028$18,367,748$8,998,262$123,196,063
74$166,094,142$19,133,995$9,165,931$135,403,310
75$182,897,758$19,933,574$9,335,003$148,845,014
76$201,410,996$20,767,986$9,505,392$163,646,759
77$221,808,101$21,638,800$9,677,006$179,946,928
78$244,281,085$22,547,660$9,849,744$197,898,008
79$269,041,544$23,496,283$10,023,499$217,668,027
80$296,322,649$24,486,469$10,198,153$239,442,140
81$326,381,351$25,520,097$10,373,583$263,424,377
82$359,500,805$26,599,138$10,549,654$289,839,564
83$395,993,043$27,725,652$10,726,223$318,935,446
84$436,201,918$28,901,794$10,903,137$350,985,025
85$480,506,353$30,129,821$11,080,231$386,289,133
86$529,323,913$31,412,094$11,257,331$425,179,272
87$583,114,750$32,751,085$11,434,250$468,020,744
88$642,385,947$34,149,379$11,610,789$515,216,092
89$707,696,300$35,609,686$11,786,737$567,208,904
90$779,661,599$37,134,837$11,961,870$624,487,996
91$858,960,438$38,727,800$12,135,948$687,592,024
92$946,340,619$40,391,679$12,308,718$757,114,569
93$1,042,626,214$42,129,723$12,479,912$833,709,737
94$1,148,725,344$43,945,335$12,649,246$918,098,333
95$1,265,638,750$45,842,077$12,816,416$1,011,074,664
96$1,394,469,241$47,823,677$12,981,104$1,113,514,031
97$1,536,432,105$49,894,039$13,142,972$1,226,380,996
98$1,692,866,581$52,057,249$13,301,664$1,350,738,481
99$1,865,248,504$54,317,586$13,456,801$1,487,757,803
100$2,055,204,234$56,679,529$13,607,986$1,638,729,726