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%13.4%
1 years$338,574$335,558$332,616$329,744$326,940$322,320
2 years$167,611$164,489$161,464$158,531$155,686$151,040
3 years$110,631$107,496$104,478$101,572$98,773$94,247
4 years$82,146$79,021$76,033$73,177$70,446$66,073
5 years$65,060$61,953$59,005$56,207$53,552$49,345
6 years$53,673$50,589$47,685$44,949$42,374$38,339
7 years$45,542$42,485$39,626$36,955$34,461$30,599
8 years$39,447$36,417$33,606$31,001$28,589$24,899
9 years$34,709$31,708$28,945$26,406$24,076$20,556
10 years$30,921$27,949$25,235$22,762$20,514$17,162
11 years$27,823$24,881$22,216$19,810$17,643$14,455
12 years$25,244$22,332$19,716$17,376$15,289$12,262
13 years$23,063$20,182$17,615$15,340$13,332$10,462
14 years$21,195$18,345$15,827$13,617$11,687$8,969
15 years$19,578$16,758$14,290$12,144$10,290$7,720
16 years$18,165$15,375$12,956$10,874$9,094$6,667
17 years$16,918$14,160$11,790$9,770$8,064$5,774
18 years$15,812$13,085$10,762$8,805$7,170$5,012
19 years$14,823$12,127$9,852$7,956$6,391$4,360
20 years$13,935$11,269$9,042$7,206$5,708$3,800
21 years$13,132$10,496$8,317$6,540$5,108$3,316
22 years$12,402$9,798$7,665$5,946$4,579$2,898
23 years$11,738$9,164$7,078$5,415$4,110$2,536
24 years$11,129$8,586$6,546$4,939$3,694$2,221
25 years$10,570$8,057$6,062$4,510$3,324$1,946
26 years$10,055$7,573$5,623$4,124$2,994$1,707
27 years$9,579$7,127$5,221$3,775$2,700$1,498
28 years$9,138$6,716$4,854$3,459$2,436$1,316
29 years$8,728$6,335$4,517$3,172$2,200$1,156
30 years$8,346$5,983$4,207$2,911$1,988$1,016
31 years$7,989$5,656$3,922$2,673$1,797$894
32 years$7,655$5,352$3,660$2,457$1,625$786
33 years$7,342$5,068$3,417$2,259$1,471$692
34 years$7,049$4,803$3,193$2,079$1,332$609
35 years$6,772$4,556$2,985$1,914$1,206$536
36 years$6,512$4,324$2,792$1,762$1,093$472
37 years$6,266$4,107$2,614$1,624$991$416
38 years$6,034$3,903$2,447$1,497$898$366
39 years$5,814$3,712$2,293$1,380$814$323
40 years$5,605$3,531$2,149$1,273$739$284
41 years$5,408$3,361$2,015$1,174$670$250
42 years$5,220$3,201$1,890$1,084$608$221
43 years$5,041$3,050$1,774$1,000$552$195
44 years$4,871$2,907$1,665$924$501$171
45 years$4,709$2,773$1,563$853$455$151
46 years$4,555$2,645$1,468$788$413$133
47 years$4,408$2,524$1,380$728$375$117
48 years$4,267$2,410$1,296$673$341$104
49 years$4,132$2,301$1,219$622$309$91
50 years$4,003$2,198$1,146$575$281$80

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 $3,984 every year, while hoping to spend $25,183 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: 55/40/5 Blend
34$4,100,000$4,100,000$4,100,000$4,100,000
35$4,522,309$4,305,009$4,241,459$4,766,213
36$4,956,791$4,489,160$4,356,754$5,115,171
37$5,434,745$4,681,491$4,475,067$5,491,740
38$5,960,579$4,882,375$4,596,472$5,901,080
39$6,539,151$5,092,204$4,721,047$6,346,304
40$7,175,811$5,311,388$4,848,868$6,830,830
41$7,876,455$5,540,357$4,980,016$7,358,417
42$8,647,579$5,779,560$5,114,572$7,933,194
43$9,496,340$6,029,467$5,252,619$8,559,701
44$10,430,627$6,290,571$5,394,242$9,242,931
45$11,459,130$6,563,388$5,539,527$9,988,372
46$12,591,423$6,848,456$5,688,564$10,802,058
47$13,838,060$7,146,342$5,841,443$11,690,626
48$15,210,667$7,457,637$5,998,255$12,661,378
49$16,722,055$7,782,961$6,159,097$13,722,342
50$18,386,341$8,122,963$6,324,063$14,882,353
51$20,219,081$8,478,322$6,493,253$16,151,129
52$22,237,417$8,849,750$6,666,767$17,539,364
53$24,460,237$9,237,991$6,844,707$19,058,824
54$26,908,355$9,643,826$7,027,178$20,722,456
55$29,604,706$10,068,072$7,214,287$22,544,511
56$32,574,563$10,511,584$7,406,143$24,540,671
57$35,845,776$10,975,259$7,602,856$26,728,197
58$39,449,033$11,460,036$7,804,540$29,126,091
59$43,418,153$11,966,896$8,011,311$31,755,268
60$47,790,401$12,496,870$8,223,286$34,638,752
61$52,606,842$13,051,037$8,440,586$37,801,891
62$57,912,727$13,630,524$8,663,332$41,272,593
63$63,757,921$14,236,516$8,891,651$45,081,584
64$70,197,376$14,870,252$9,125,667$49,262,697
65$77,291,643$15,533,030$9,365,512$53,853,184
66$85,107,451$16,226,209$9,611,318$58,894,065
67$93,718,332$16,951,213$9,863,217$64,430,514
68$103,205,314$17,709,536$10,121,348$70,512,276
69$113,657,692$18,502,739$10,385,848$77,194,135
70$125,173,864$19,332,460$10,656,861$84,536,423
71$137,862,262$20,200,414$10,934,530$92,605,591
72$151,842,378$21,108,400$11,219,002$101,474,824
73$167,245,888$22,058,299$11,510,426$111,224,728
74$184,217,897$23,052,084$11,808,954$121,944,087
75$202,918,308$24,091,822$12,114,739$133,730,693
76$223,523,332$25,179,677$12,427,940$146,692,266
77$246,227,150$26,317,920$12,748,714$160,947,459
78$271,243,747$27,508,926$13,077,224$176,626,973
79$298,808,932$28,755,186$13,413,634$193,874,787
80$329,182,564$30,059,310$13,758,111$212,849,504
81$362,651,001$31,424,033$14,110,824$233,725,844
82$399,529,812$32,852,219$14,471,945$256,696,282
83$440,166,747$34,346,871$14,841,649$281,972,861
84$484,945,022$35,911,136$15,220,111$309,789,177
85$534,286,942$37,548,309$15,607,513$340,402,581
86$588,657,880$39,261,846$16,004,034$374,096,595
87$648,570,674$41,055,366$16,409,860$411,183,580
88$714,590,468$42,932,665$16,825,175$452,007,670
89$787,340,048$44,897,717$17,250,170$496,948,015
90$867,505,717$46,954,689$17,685,035$546,422,342
91$955,843,779$49,107,948$18,129,963$600,890,890
92$1,053,187,676$51,362,070$18,585,149$660,860,737
93$1,160,455,858$53,721,850$19,050,790$726,890,578
94$1,278,660,450$56,192,315$19,527,086$799,595,984
95$1,408,916,811$58,778,733$20,014,238$879,655,193
96$1,552,454,059$61,486,625$20,512,449$967,815,503
97$1,710,626,681$64,321,777$21,021,923$1,064,900,306
98$1,884,927,312$67,290,254$21,542,868$1,171,816,844
99$2,077,000,835$70,398,413$22,075,490$1,289,564,760
100$2,288,659,901$73,652,917$22,620,000$1,419,245,508