Can I retire at age 35 with 4,200,000?

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 $4,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$346,832$343,743$340,729$337,787$334,914$325,105
2 years$171,699$168,501$165,402$162,397$159,483$149,680
3 years$113,329$110,117$107,026$104,050$101,182$91,693
4 years$84,150$80,948$77,888$74,962$72,164$63,061
5 years$66,647$63,464$60,444$57,578$54,858$46,166
6 years$54,982$51,823$48,848$46,046$43,407$35,134
7 years$46,653$43,521$40,593$37,857$35,302$27,447
8 years$40,409$37,306$34,426$31,757$29,286$21,845
9 years$35,556$32,481$29,651$27,050$24,663$17,628
10 years$31,675$28,631$25,850$23,317$21,014$14,376
11 years$28,502$25,488$22,758$20,293$18,073$11,820
12 years$25,860$22,877$20,197$17,800$15,662$9,782
13 years$23,626$20,674$18,045$15,714$13,657$8,138
14 years$21,712$18,792$16,214$13,950$11,972$6,798
15 years$20,056$17,167$14,639$12,441$10,541$5,699
16 years$18,608$15,750$13,272$11,139$9,316$4,791
17 years$17,331$14,505$12,077$10,008$8,260$4,037
18 years$16,198$13,404$11,025$9,020$7,345$3,408
19 years$15,185$12,422$10,093$8,150$6,547$2,882
20 years$14,274$11,543$9,263$7,381$5,847$2,441
21 years$13,452$10,752$8,520$6,699$5,233$2,069
22 years$12,705$10,037$7,852$6,091$4,690$1,756
23 years$12,024$9,387$7,250$5,547$4,210$1,492
24 years$11,401$8,795$6,705$5,059$3,784$1,268
25 years$10,828$8,254$6,210$4,621$3,405$1,078
26 years$10,301$7,757$5,760$4,225$3,067$917
27 years$9,813$7,301$5,348$3,867$2,766$781
28 years$9,361$6,879$4,972$3,543$2,495$665
29 years$8,941$6,490$4,627$3,249$2,253$566
30 years$8,549$6,129$4,310$2,982$2,036$482
31 years$8,184$5,794$4,018$2,739$1,841$411
32 years$7,842$5,482$3,749$2,517$1,665$350
33 years$7,522$5,192$3,500$2,314$1,507$299
34 years$7,221$4,921$3,270$2,129$1,364$255
35 years$6,937$4,667$3,058$1,960$1,236$217
36 years$6,671$4,430$2,860$1,805$1,120$185
37 years$6,419$4,207$2,677$1,663$1,015$158
38 years$6,181$3,998$2,507$1,533$920$135
39 years$5,956$3,802$2,349$1,414$834$115
40 years$5,742$3,617$2,202$1,304$757$98
41 years$5,540$3,443$2,064$1,203$687$84
42 years$5,347$3,279$1,937$1,110$623$71
43 years$5,164$3,125$1,817$1,025$565$61
44 years$4,990$2,978$1,706$946$513$52
45 years$4,824$2,840$1,602$874$466$44
46 years$4,666$2,709$1,504$807$423$38
47 years$4,515$2,586$1,413$746$384$32
48 years$4,371$2,468$1,328$689$349$27
49 years$4,233$2,357$1,248$637$317$23
50 years$4,101$2,252$1,174$589$288$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,200,000, adding $6,287 every year, while hoping to spend $56,322 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: 67/14/19 Blend
34$4,200,000$4,200,000$4,200,000$4,200,000
35$4,634,885$4,412,285$4,347,185$4,923,215
36$5,047,717$4,568,561$4,432,890$5,273,223
37$5,500,770$4,730,606$4,519,578$5,648,704
38$5,998,088$4,898,645$4,607,222$6,057,941
39$6,544,124$5,072,909$4,695,795$6,504,250
40$7,143,783$5,253,641$4,785,263$6,991,282
41$7,802,471$5,441,091$4,875,591$7,523,058
42$8,526,140$5,635,522$4,966,741$8,104,005
43$9,321,350$5,837,206$5,058,670$8,738,997
44$10,195,326$6,046,428$5,151,334$9,433,402
45$11,156,029$6,263,482$5,244,683$10,193,131
46$12,212,227$6,488,676$5,338,664$11,024,695
47$13,373,584$6,722,331$5,433,218$11,935,263
48$14,650,744$6,964,779$5,528,286$12,932,731
49$16,055,436$7,216,369$5,623,799$14,025,799
50$17,600,581$7,477,462$5,719,687$15,224,045
51$19,300,417$7,748,434$5,815,873$16,538,022
52$21,170,630$8,029,678$5,912,275$17,979,354
53$23,228,504$8,321,603$6,008,807$19,560,845
54$25,493,084$8,624,633$6,105,374$21,296,601
55$27,985,351$8,939,213$6,201,877$23,202,160
56$30,728,427$9,265,805$6,298,210$25,294,640
57$33,747,787$9,604,890$6,394,260$27,592,899
58$37,071,501$9,956,969$6,489,908$30,117,714
59$40,730,499$10,322,565$6,585,024$32,891,972
60$44,758,863$10,702,224$6,679,475$35,940,892
61$49,194,146$11,096,512$6,773,117$39,292,256
62$54,077,729$11,506,021$6,865,796$42,976,674
63$59,455,210$11,931,368$6,957,353$47,027,873
64$65,376,832$12,373,197$7,047,615$51,483,011
65$71,897,962$12,832,176$7,136,403$56,383,029
66$79,079,606$13,309,005$7,223,525$61,773,038
67$86,988,992$13,804,412$7,308,780$67,702,741
68$95,700,199$14,319,158$7,391,953$74,226,904
69$105,294,855$14,854,033$7,472,820$81,405,869
70$115,862,914$15,409,864$7,551,142$89,306,127
71$127,503,496$15,987,512$7,626,670$98,000,941
72$140,325,828$16,587,876$7,699,140$107,571,037
73$154,450,273$17,211,892$7,768,271$118,105,368
74$170,009,465$17,860,538$7,833,772$129,701,949
75$187,149,559$18,534,834$7,895,332$142,468,782
76$206,031,616$19,235,843$7,952,628$156,524,877
77$226,833,116$19,964,674$8,005,316$172,001,371
78$249,749,637$20,722,486$8,053,037$189,042,767
79$274,996,698$21,510,486$8,095,412$207,808,296
80$302,811,797$22,329,935$8,132,044$228,473,417
81$333,456,646$23,182,148$8,162,513$251,231,477
82$367,219,649$24,068,499$8,186,383$276,295,531
83$404,418,617$24,990,418$8,203,190$303,900,351
84$445,403,770$25,949,403$8,212,451$334,304,646
85$490,561,044$26,947,013$8,213,657$367,793,495
86$540,315,731$27,984,878$8,206,276$404,681,047
87$595,136,497$29,064,698$8,189,747$445,313,474
88$655,539,800$30,188,249$8,163,485$490,072,245
89$722,094,771$31,357,385$8,126,873$539,377,725
90$795,428,582$32,574,040$8,079,267$593,693,137
91$876,232,365$33,840,236$8,019,990$653,528,938
92$965,267,742$35,158,083$7,948,335$719,447,634
93$1,063,374,006$36,529,784$7,863,559$792,069,089
94$1,171,476,052$37,957,641$7,764,886$872,076,374
95$1,290,593,100$39,444,056$7,651,500$960,222,216
96$1,421,848,322$40,991,540$7,522,551$1,057,336,098
97$1,566,479,440$42,602,714$7,377,145$1,164,332,092
98$1,725,850,413$44,280,318$7,214,350$1,282,217,483
99$1,901,464,313$46,027,212$7,033,189$1,412,102,279
100$2,094,977,512$47,846,384$6,832,639$1,555,209,683