Can I retire at age 35 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$338,574$335,558$332,616$329,744$326,940$325,016
2 years$167,611$164,489$161,464$158,531$155,686$153,744
3 years$110,631$107,496$104,478$101,572$98,773$96,875
4 years$82,146$79,021$76,033$73,177$70,446$68,605
5 years$65,060$61,953$59,005$56,207$53,552$51,774
6 years$53,673$50,589$47,685$44,949$42,374$40,662
7 years$45,542$42,485$39,626$36,955$34,461$32,815
8 years$39,447$36,417$33,606$31,001$28,589$27,009
9 years$34,709$31,708$28,945$26,406$24,076$22,562
10 years$30,921$27,949$25,235$22,762$20,514$19,065
11 years$27,823$24,881$22,216$19,810$17,643$16,258
12 years$25,244$22,332$19,716$17,376$15,289$13,967
13 years$23,063$20,182$17,615$15,340$13,332$12,072
14 years$21,195$18,345$15,827$13,617$11,687$10,487
15 years$19,578$16,758$14,290$12,144$10,290$9,149
16 years$18,165$15,375$12,956$10,874$9,094$8,010
17 years$16,918$14,160$11,790$9,770$8,064$7,035
18 years$15,812$13,085$10,762$8,805$7,170$6,195
19 years$14,823$12,127$9,852$7,956$6,391$5,467
20 years$13,935$11,269$9,042$7,206$5,708$4,835
21 years$13,132$10,496$8,317$6,540$5,108$4,283
22 years$12,402$9,798$7,665$5,946$4,579$3,800
23 years$11,738$9,164$7,078$5,415$4,110$3,375
24 years$11,129$8,586$6,546$4,939$3,694$3,002
25 years$10,570$8,057$6,062$4,510$3,324$2,673
26 years$10,055$7,573$5,623$4,124$2,994$2,381
27 years$9,579$7,127$5,221$3,775$2,700$2,124
28 years$9,138$6,716$4,854$3,459$2,436$1,895
29 years$8,728$6,335$4,517$3,172$2,200$1,693
30 years$8,346$5,983$4,207$2,911$1,988$1,512
31 years$7,989$5,656$3,922$2,673$1,797$1,352
32 years$7,655$5,352$3,660$2,457$1,625$1,209
33 years$7,342$5,068$3,417$2,259$1,471$1,082
34 years$7,049$4,803$3,193$2,079$1,332$968
35 years$6,772$4,556$2,985$1,914$1,206$867
36 years$6,512$4,324$2,792$1,762$1,093$776
37 years$6,266$4,107$2,614$1,624$991$695
38 years$6,034$3,903$2,447$1,497$898$623
39 years$5,814$3,712$2,293$1,380$814$558
40 years$5,605$3,531$2,149$1,273$739$500
41 years$5,408$3,361$2,015$1,174$670$448
42 years$5,220$3,201$1,890$1,084$608$402
43 years$5,041$3,050$1,774$1,000$552$361
44 years$4,871$2,907$1,665$924$501$323
45 years$4,709$2,773$1,563$853$455$290
46 years$4,555$2,645$1,468$788$413$260
47 years$4,408$2,524$1,380$728$375$233
48 years$4,267$2,410$1,296$673$341$209
49 years$4,132$2,301$1,219$622$309$188
50 years$4,003$2,198$1,146$575$281$168

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,100,000, adding $6,006 every year, while hoping to spend $42,486 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: 29/43/28 Blend
34$4,100,000$4,100,000$4,100,000$4,100,000
35$4,524,395$4,307,095$4,243,545$4,616,333
36$4,940,679$4,472,938$4,340,499$4,855,318
37$5,397,999$4,645,483$4,439,277$5,107,968
38$5,900,498$4,825,014$4,539,895$5,378,743
39$6,452,736$5,011,828$4,642,369$5,669,237
40$7,059,739$5,206,232$4,746,713$5,981,202
41$7,727,045$5,408,550$4,852,941$6,316,557
42$8,460,754$5,619,118$4,961,064$6,677,405
43$9,267,585$5,838,290$5,071,094$7,066,057
44$10,154,944$6,066,431$5,183,041$7,485,049
45$11,130,989$6,303,927$5,296,914$7,937,162
46$12,204,708$6,551,177$5,412,718$8,425,453
47$13,386,005$6,808,601$5,530,461$8,953,277
48$14,685,790$7,076,636$5,650,144$9,524,319
49$16,116,088$7,355,739$5,771,772$10,142,629
50$17,690,146$7,646,386$5,895,342$10,812,656
51$19,422,559$7,949,077$6,020,855$11,539,288
52$21,329,411$8,264,333$6,148,304$12,327,899
53$23,428,423$8,592,697$6,277,684$13,184,397
54$25,739,121$8,934,739$6,408,986$14,115,276
55$28,283,022$9,291,052$6,542,198$15,127,676
56$31,083,834$9,662,257$6,677,305$16,229,451
57$34,167,682$10,049,004$6,814,291$17,429,236
58$37,563,350$10,451,970$6,953,135$18,736,533
59$41,302,560$10,871,865$7,093,813$20,161,790
60$45,420,263$11,309,428$7,236,297$21,716,503
61$49,954,974$11,765,434$7,380,558$23,413,323
62$54,949,134$12,240,693$7,526,559$25,266,167
63$60,449,509$12,736,050$7,674,262$27,290,351
64$66,507,632$13,252,390$7,823,623$29,502,732
65$73,180,291$13,790,637$7,974,595$31,921,859
66$80,530,060$14,351,758$8,127,123$34,568,152
67$88,625,895$14,936,764$8,281,151$37,464,087
68$97,543,782$15,546,710$8,436,615$40,634,405
69$107,367,451$16,182,702$8,593,445$44,106,344
70$118,189,171$16,845,895$8,751,566$47,909,891
71$130,110,620$17,537,498$8,910,897$52,078,061
72$143,243,841$18,258,772$9,071,349$56,647,206
73$157,712,301$19,011,040$9,232,827$61,657,352
74$173,652,058$19,795,684$9,395,229$67,152,573
75$191,213,042$20,614,147$9,558,444$73,181,406
76$210,560,475$21,467,942$9,722,354$79,797,299
77$231,876,422$22,358,650$9,886,832$87,059,113
78$255,361,517$23,287,924$10,051,741$95,031,673
79$281,236,853$24,257,494$10,216,935$103,786,375
80$309,746,070$25,269,169$10,382,261$113,401,854
81$341,157,654$26,324,843$10,547,551$123,964,717
82$375,767,470$27,426,495$10,712,629$135,570,360
83$413,901,557$28,576,199$10,877,307$148,323,858
84$455,919,203$29,776,120$11,041,385$162,340,954
85$502,216,340$31,028,528$11,204,649$177,749,141
86$553,229,276$32,335,795$11,366,874$194,688,860
87$609,438,818$33,700,405$11,527,820$213,314,817
88$671,374,808$35,124,955$11,687,233$233,797,439
89$739,621,126$36,612,166$11,844,843$256,324,471
90$814,821,200$38,164,881$12,000,364$281,102,741
91$897,684,081$39,786,079$12,153,495$308,360,104
92$988,991,136$41,478,876$12,303,916$338,347,582
93$1,089,603,424$43,246,533$12,451,290$371,341,727
94$1,200,469,825$45,092,464$12,595,259$407,647,217
95$1,322,635,993$47,020,241$12,735,447$447,599,728
96$1,457,254,236$49,033,605$12,871,456$491,569,085
97$1,605,594,385$51,136,468$13,002,866$539,962,746
98$1,769,055,786$53,332,928$13,129,236$593,229,633
99$1,949,180,509$55,627,275$13,250,098$651,864,363
100$2,147,667,906$58,023,997$13,364,962$716,411,897