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

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$322,058$319,190$316,391$313,659$310,991$304,215
2 years$159,435$156,466$153,588$150,798$148,091$141,298
3 years$105,234$102,252$99,381$96,617$93,955$87,358
4 years$78,139$75,166$72,324$69,607$67,010$60,658
5 years$61,886$58,931$56,127$53,465$50,940$44,853
6 years$51,055$48,122$45,359$42,757$40,307$34,490
7 years$43,321$40,412$37,693$35,153$32,780$27,236
8 years$37,523$34,641$31,967$29,489$27,194$21,919
9 years$33,016$30,161$27,533$25,118$22,902$17,893
10 years$29,412$26,586$24,004$21,652$19,513$14,765
11 years$26,466$23,668$21,133$18,843$16,782$12,289
12 years$24,013$21,243$18,755$16,528$14,543$10,297
13 years$21,938$19,197$16,756$14,592$12,682$8,676
14 years$20,161$17,450$15,055$12,953$11,117$7,343
15 years$18,623$15,941$13,593$11,552$9,788$6,238
16 years$17,278$14,625$12,324$10,343$8,651$5,316
17 years$16,093$13,469$11,214$9,294$7,670$4,542
18 years$15,041$12,446$10,237$8,375$6,820$3,889
19 years$14,100$11,535$9,372$7,568$6,079$3,336
20 years$13,255$10,719$8,601$6,854$5,430$2,866
21 years$12,491$9,984$7,911$6,221$4,859$2,465
22 years$11,797$9,320$7,291$5,656$4,355$2,123
23 years$11,165$8,717$6,732$5,151$3,910$1,830
24 years$10,586$8,167$6,226$4,698$3,514$1,579
25 years$10,055$7,664$5,767$4,290$3,162$1,364
26 years$9,565$7,203$5,348$3,923$2,848$1,178
27 years$9,112$6,779$4,966$3,591$2,568$1,018
28 years$8,692$6,388$4,617$3,290$2,317$881
29 years$8,302$6,026$4,296$3,017$2,092$762
30 years$7,939$5,691$4,002$2,769$1,891$659
31 years$7,599$5,380$3,731$2,543$1,709$571
32 years$7,282$5,091$3,481$2,337$1,546$494
33 years$6,984$4,821$3,250$2,149$1,399$428
34 years$6,705$4,569$3,037$1,977$1,267$371
35 years$6,442$4,334$2,839$1,820$1,147$321
36 years$6,194$4,113$2,656$1,676$1,040$278
37 years$5,960$3,907$2,486$1,545$942$241
38 years$5,739$3,713$2,328$1,424$854$209
39 years$5,530$3,531$2,181$1,313$775$181
40 years$5,332$3,359$2,044$1,211$703$157
41 years$5,144$3,197$1,917$1,117$637$136
42 years$4,965$3,045$1,798$1,031$578$118
43 years$4,795$2,901$1,687$952$525$102
44 years$4,634$2,766$1,584$879$477$89
45 years$4,480$2,637$1,487$812$433$77
46 years$4,333$2,516$1,397$750$393$67
47 years$4,193$2,401$1,312$693$357$58
48 years$4,059$2,292$1,233$640$324$50
49 years$3,930$2,189$1,159$591$294$44
50 years$3,808$2,091$1,090$547$267$38

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 $6,310 every year, while hoping to spend $41,966 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: 54/20/26 Blend
34$3,900,000$3,900,000$3,900,000$3,900,000
35$4,304,309$4,097,609$4,037,159$4,505,432
36$4,698,697$4,253,740$4,127,752$4,800,989
37$5,131,906$4,416,115$4,219,974$5,117,734
38$5,607,851$4,584,996$4,313,834$5,461,719
39$6,130,847$4,760,656$4,409,342$5,835,570
40$6,705,644$4,943,379$4,506,506$6,242,179
41$7,337,479$5,133,463$4,605,333$6,684,723
42$8,032,118$5,331,219$4,705,827$7,166,703
43$8,795,916$5,536,970$4,807,995$7,691,969
44$9,635,873$5,751,057$4,911,837$8,264,758
45$10,559,704$5,973,830$5,017,355$8,889,736
46$11,575,907$6,205,660$5,124,549$9,572,036
47$12,693,844$6,446,932$5,233,416$10,317,312
48$13,923,832$6,698,048$5,343,952$11,131,785
49$15,277,238$6,959,428$5,456,150$12,022,306
50$16,766,587$7,231,510$5,570,001$12,996,419
51$18,405,678$7,514,753$5,685,495$14,062,428
52$20,209,717$7,809,636$5,802,619$15,229,479
53$22,195,457$8,116,657$5,921,356$16,507,642
54$24,381,360$8,436,340$6,041,688$17,908,008
55$26,787,767$8,769,229$6,163,592$19,442,791
56$29,437,092$9,115,894$6,287,046$21,125,441
57$32,354,032$9,476,930$6,412,019$22,970,774
58$35,565,803$9,852,959$6,538,481$24,995,105
59$39,102,392$10,244,631$6,666,397$27,216,408
60$42,996,843$10,652,624$6,795,728$29,654,479
61$47,285,567$11,077,649$6,926,431$32,331,122
62$52,008,686$11,520,445$7,058,458$35,270,356
63$57,210,413$11,981,788$7,191,758$38,498,641
64$62,939,468$12,462,488$7,326,273$42,045,122
65$69,249,533$12,963,390$7,461,944$45,941,908
66$76,199,768$13,485,379$7,598,701$50,224,369
67$83,855,361$14,029,379$7,736,474$54,931,474
68$92,288,145$14,596,356$7,875,184$60,106,150
69$101,577,279$15,187,320$8,014,745$65,795,693
70$111,809,991$15,803,328$8,155,068$72,052,208
71$123,082,401$16,445,482$8,296,055$78,933,100
72$135,500,433$17,114,938$8,437,600$86,501,615
73$149,180,809$17,812,901$8,579,590$94,827,436
74$164,252,151$18,540,634$8,721,907$103,987,337
75$180,856,200$19,299,454$8,864,420$114,065,906
76$199,149,148$20,090,742$9,006,993$125,156,343
77$219,303,113$20,915,941$9,149,479$137,361,336
78$241,507,766$21,776,557$9,291,722$150,794,030
79$265,972,119$22,674,170$9,433,556$165,579,089
80$292,926,499$23,610,428$9,574,804$181,853,876
81$322,624,720$24,587,057$9,715,278$199,769,742
82$355,346,481$25,605,862$9,854,780$219,493,456
83$391,400,004$26,668,731$9,993,097$241,208,775
84$431,124,943$27,777,639$10,130,005$265,118,174
85$474,895,595$28,934,650$10,265,267$291,444,759
86$523,124,423$30,141,925$10,398,631$320,434,366
87$576,265,961$31,401,726$10,529,832$352,357,882
88$634,821,095$32,716,417$10,658,587$387,513,794
89$699,341,797$34,088,472$10,784,600$426,231,011
90$770,436,332$35,520,479$10,907,557$468,871,957
91$848,775,003$37,015,148$11,027,125$515,835,997
92$935,096,475$38,575,311$11,142,955$567,563,195
93$1,030,214,749$40,203,935$11,254,677$624,538,471
94$1,135,026,847$41,904,121$11,361,903$687,296,173
95$1,250,521,281$43,679,118$11,464,222$756,425,114
96$1,377,787,380$45,532,324$11,561,202$832,574,132
97$1,518,025,578$47,467,294$11,652,388$916,458,203
98$1,672,558,746$49,487,749$11,737,301$1,008,865,196
99$1,842,844,674$51,597,586$11,815,437$1,110,663,294
100$2,030,489,844$53,800,880$11,886,267$1,222,809,195