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%15.9%
1 years$338,574$335,558$332,616$329,744$326,940$319,036
2 years$167,611$164,489$161,464$158,531$155,686$147,770
3 years$110,631$107,496$104,478$101,572$98,773$91,094
4 years$82,146$79,021$76,033$73,177$70,446$63,061
5 years$65,060$61,953$59,005$56,207$53,552$46,483
6 years$53,673$50,589$47,685$44,949$42,374$35,627
7 years$45,542$42,485$39,626$36,955$34,461$28,038
8 years$39,447$36,417$33,606$31,001$28,589$22,487
9 years$34,709$31,708$28,945$26,406$24,076$18,289
10 years$30,921$27,949$25,235$22,762$20,514$15,037
11 years$27,823$24,881$22,216$19,810$17,643$12,467
12 years$25,244$22,332$19,716$17,376$15,289$10,406
13 years$23,063$20,182$17,615$15,340$13,332$8,732
14 years$21,195$18,345$15,827$13,617$11,687$7,361
15 years$19,578$16,758$14,290$12,144$10,290$6,227
16 years$18,165$15,375$12,956$10,874$9,094$5,284
17 years$16,918$14,160$11,790$9,770$8,064$4,495
18 years$15,812$13,085$10,762$8,805$7,170$3,831
19 years$14,823$12,127$9,852$7,956$6,391$3,272
20 years$13,935$11,269$9,042$7,206$5,708$2,798
21 years$13,132$10,496$8,317$6,540$5,108$2,396
22 years$12,402$9,798$7,665$5,946$4,579$2,054
23 years$11,738$9,164$7,078$5,415$4,110$1,763
24 years$11,129$8,586$6,546$4,939$3,694$1,514
25 years$10,570$8,057$6,062$4,510$3,324$1,301
26 years$10,055$7,573$5,623$4,124$2,994$1,118
27 years$9,579$7,127$5,221$3,775$2,700$962
28 years$9,138$6,716$4,854$3,459$2,436$828
29 years$8,728$6,335$4,517$3,172$2,200$713
30 years$8,346$5,983$4,207$2,911$1,988$614
31 years$7,989$5,656$3,922$2,673$1,797$529
32 years$7,655$5,352$3,660$2,457$1,625$455
33 years$7,342$5,068$3,417$2,259$1,471$392
34 years$7,049$4,803$3,193$2,079$1,332$338
35 years$6,772$4,556$2,985$1,914$1,206$292
36 years$6,512$4,324$2,792$1,762$1,093$251
37 years$6,266$4,107$2,614$1,624$991$217
38 years$6,034$3,903$2,447$1,497$898$187
39 years$5,814$3,712$2,293$1,380$814$161
40 years$5,605$3,531$2,149$1,273$739$139
41 years$5,408$3,361$2,015$1,174$670$120
42 years$5,220$3,201$1,890$1,084$608$103
43 years$5,041$3,050$1,774$1,000$552$89
44 years$4,871$2,907$1,665$924$501$77
45 years$4,709$2,773$1,563$853$455$66
46 years$4,555$2,645$1,468$788$413$57
47 years$4,408$2,524$1,380$728$375$49
48 years$4,267$2,410$1,296$673$341$43
49 years$4,132$2,301$1,219$622$309$37
50 years$4,003$2,198$1,146$575$281$32

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 $5,565 every year, while hoping to spend $53,857 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: 73/7/20 Blend
34$4,100,000$4,100,000$4,100,000$4,100,000
35$4,523,940$4,306,640$4,243,090$4,832,127
36$4,928,079$4,460,362$4,327,930$5,191,397
37$5,371,634$4,619,812$4,413,808$5,577,832
38$5,858,571$4,785,212$4,500,700$5,999,816
39$6,393,254$4,956,796$4,588,582$6,460,874
40$6,980,494$5,134,807$4,677,428$6,964,889
41$7,625,589$5,319,497$4,767,206$7,516,134
42$8,334,375$5,511,129$4,857,884$8,119,317
43$9,113,284$5,709,977$4,949,426$8,779,625
44$9,969,399$5,916,326$5,041,791$9,502,769
45$10,910,524$6,130,472$5,134,937$10,295,040
46$11,945,257$6,352,725$5,228,818$11,163,369
47$13,083,072$6,583,407$5,323,382$12,115,389
48$14,334,405$6,822,854$5,418,575$13,159,510
49$15,710,755$7,071,415$5,514,338$14,304,996
50$17,224,792$7,329,453$5,610,608$15,562,053
51$18,890,473$7,597,350$5,707,316$16,941,924
52$20,723,180$7,875,498$5,804,390$18,456,996
53$22,739,858$8,164,311$5,901,750$20,120,916
54$24,959,179$8,464,218$5,999,315$21,948,719
55$27,401,717$8,775,666$6,096,993$23,956,969
56$30,090,139$9,099,121$6,194,689$26,163,917
57$33,049,424$9,435,068$6,292,302$28,589,672
58$36,307,093$9,784,015$6,389,723$31,256,390
59$39,893,474$10,146,489$6,486,836$34,188,482
60$43,841,982$10,523,041$6,583,518$37,412,845
61$48,189,438$10,914,244$6,679,640$40,959,115
62$52,976,416$11,320,696$6,775,062$44,859,948
63$58,247,622$11,743,022$6,869,639$49,151,325
64$64,052,320$12,181,871$6,963,213$53,872,892
65$70,444,797$12,637,923$7,055,620$59,068,336
66$77,484,869$13,111,884$7,146,686$64,785,794
67$85,238,451$13,604,492$7,236,226$71,078,308
68$93,778,178$14,116,517$7,324,044$78,004,326
69$103,184,087$14,648,761$7,409,935$85,628,252
70$113,544,376$15,202,062$7,493,680$94,021,054
71$124,956,233$15,777,294$7,575,048$103,260,933
72$137,526,755$16,375,367$7,653,799$113,434,061
73$151,373,957$16,997,233$7,729,674$124,635,394
74$166,627,887$17,643,884$7,802,404$136,969,569
75$183,431,852$18,316,355$7,871,705$150,551,887
76$201,943,771$19,015,727$7,937,278$165,509,406
77$222,337,664$19,743,126$7,998,806$181,982,136
78$244,805,298$20,499,731$8,055,957$200,124,364
79$269,557,989$21,286,769$8,108,382$220,106,104
80$296,828,605$22,105,521$8,155,714$242,114,708
81$326,873,759$22,957,328$8,197,567$266,356,628
82$359,976,230$23,843,585$8,233,533$293,059,371
83$396,447,636$24,765,751$8,263,187$322,473,638
84$436,631,370$25,725,349$8,286,079$354,875,697
85$480,905,848$26,723,968$8,301,740$390,569,985
86$529,688,071$27,763,269$8,309,676$429,891,986
87$583,437,570$28,844,986$8,309,366$473,211,395
88$642,660,740$29,970,928$8,300,268$520,935,606
89$707,915,619$31,142,986$8,281,809$573,513,560
90$779,817,154$32,363,135$8,253,393$631,439,982
91$859,043,012$33,633,437$8,214,389$695,260,046
92$946,339,969$34,956,045$8,164,141$765,574,530
93$1,042,530,965$36,333,210$8,101,959$843,045,478
94$1,148,522,868$37,767,282$8,027,119$928,402,453
95$1,265,315,039$39,260,717$7,938,866$1,022,449,426
96$1,394,008,760$40,816,080$7,836,405$1,126,072,361
97$1,535,817,636$42,436,050$7,718,907$1,240,247,578
98$1,692,079,047$44,123,428$7,585,502$1,366,050,975
99$1,864,266,773$45,881,140$7,435,281$1,504,668,176
100$2,054,004,912$47,712,244$7,267,290$1,657,405,730