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%11.7%
1 years$346,832$343,743$340,729$337,787$334,914$332,525
2 years$171,699$168,501$165,402$162,397$159,483$157,073
3 years$113,329$110,117$107,026$104,050$101,182$98,828
4 years$84,150$80,948$77,888$74,962$72,164$69,882
5 years$66,647$63,464$60,444$57,578$54,858$52,656
6 years$54,982$51,823$48,848$46,046$43,407$41,287
7 years$46,653$43,521$40,593$37,857$35,302$33,265
8 years$40,409$37,306$34,426$31,757$29,286$27,333
9 years$35,556$32,481$29,651$27,050$24,663$22,792
10 years$31,675$28,631$25,850$23,317$21,014$19,225
11 years$28,502$25,488$22,758$20,293$18,073$16,365
12 years$25,860$22,877$20,197$17,800$15,662$14,032
13 years$23,626$20,674$18,045$15,714$13,657$12,105
14 years$21,712$18,792$16,214$13,950$11,972$10,495
15 years$20,056$17,167$14,639$12,441$10,541$9,138
16 years$18,608$15,750$13,272$11,139$9,316$7,984
17 years$17,331$14,505$12,077$10,008$8,260$6,997
18 years$16,198$13,404$11,025$9,020$7,345$6,149
19 years$15,185$12,422$10,093$8,150$6,547$5,415
20 years$14,274$11,543$9,263$7,381$5,847$4,778
21 years$13,452$10,752$8,520$6,699$5,233$4,223
22 years$12,705$10,037$7,852$6,091$4,690$3,738
23 years$12,024$9,387$7,250$5,547$4,210$3,313
24 years$11,401$8,795$6,705$5,059$3,784$2,940
25 years$10,828$8,254$6,210$4,621$3,405$2,612
26 years$10,301$7,757$5,760$4,225$3,067$2,322
27 years$9,813$7,301$5,348$3,867$2,766$2,066
28 years$9,361$6,879$4,972$3,543$2,495$1,839
29 years$8,941$6,490$4,627$3,249$2,253$1,638
30 years$8,549$6,129$4,310$2,982$2,036$1,460
31 years$8,184$5,794$4,018$2,739$1,841$1,302
32 years$7,842$5,482$3,749$2,517$1,665$1,162
33 years$7,522$5,192$3,500$2,314$1,507$1,037
34 years$7,221$4,921$3,270$2,129$1,364$926
35 years$6,937$4,667$3,058$1,960$1,236$827
36 years$6,671$4,430$2,860$1,805$1,120$738
37 years$6,419$4,207$2,677$1,663$1,015$660
38 years$6,181$3,998$2,507$1,533$920$590
39 years$5,956$3,802$2,349$1,414$834$527
40 years$5,742$3,617$2,202$1,304$757$471
41 years$5,540$3,443$2,064$1,203$687$421
42 years$5,347$3,279$1,937$1,110$623$377
43 years$5,164$3,125$1,817$1,025$565$337
44 years$4,990$2,978$1,706$946$513$301
45 years$4,824$2,840$1,602$874$466$270
46 years$4,666$2,709$1,504$807$423$241
47 years$4,515$2,586$1,413$746$384$216
48 years$4,371$2,468$1,328$689$349$193
49 years$4,233$2,357$1,248$637$317$173
50 years$4,101$2,252$1,174$589$288$155

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 $2,543 every year, while hoping to spend $20,803 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: 68/17/15 Blend
34$4,200,000$4,200,000$4,200,000$4,200,000
35$4,631,023$4,408,423$4,343,323$4,929,564
36$5,081,253$4,602,302$4,466,690$5,322,696
37$5,576,710$4,804,983$4,593,493$5,749,830
38$6,121,983$5,016,876$4,723,824$6,216,488
39$6,722,133$5,238,411$4,857,780$6,726,550
40$7,382,733$5,470,035$4,995,458$7,284,290
41$8,109,925$5,712,220$5,136,959$7,894,408
42$8,910,476$5,965,458$5,282,385$8,562,081
43$9,791,843$6,230,264$5,431,844$9,293,005
44$10,762,244$6,507,180$5,585,444$10,093,450
45$11,830,732$6,796,771$5,743,295$10,970,320
46$13,007,284$7,099,630$5,905,513$11,931,214
47$14,302,894$7,416,378$6,072,214$12,984,499
48$15,729,675$7,747,667$6,243,520$14,139,388
49$17,300,976$8,094,177$6,419,552$15,406,025
50$19,031,506$8,456,622$6,600,438$16,795,578
51$20,937,475$8,835,751$6,786,307$18,320,348
52$23,036,741$9,232,347$6,977,292$19,993,879
53$25,348,988$9,647,231$7,173,531$21,831,087
54$27,895,903$10,081,264$7,375,162$23,848,400
55$30,701,384$10,535,345$7,582,329$26,063,908
56$33,791,768$11,010,419$7,795,180$28,497,539
57$37,196,074$11,507,476$8,013,864$31,171,239
58$40,946,283$12,027,551$8,238,538$34,109,181
59$45,077,633$12,571,730$8,469,358$37,337,990
60$49,628,958$13,141,152$8,706,488$40,886,995
61$54,643,050$13,737,007$8,950,094$44,788,500
62$60,167,066$14,360,545$9,200,347$49,078,093
63$66,252,970$15,013,075$9,457,422$53,794,974
64$72,958,025$15,695,968$9,721,498$58,982,326
65$80,345,335$16,410,661$9,992,759$64,687,721
66$88,484,436$17,158,660$10,271,393$70,963,566
67$97,451,957$17,941,544$10,557,594$77,867,594
68$107,332,343$18,760,965$10,851,559$85,463,409
69$118,218,646$19,618,657$11,153,490$93,821,084
70$130,213,412$20,516,435$11,463,596$103,017,818
71$143,429,643$21,456,203$11,782,090$113,138,661
72$157,991,865$22,439,955$12,109,188$124,277,320
73$174,037,304$23,469,782$12,445,115$136,537,032
74$191,717,182$24,547,874$12,790,099$150,031,544
75$211,198,141$25,676,527$13,144,374$164,886,177
76$232,663,821$26,858,146$13,508,180$181,239,010
77$256,316,590$28,095,254$13,881,763$199,242,176
78$282,379,454$29,390,494$14,265,374$219,063,299
79$311,098,166$30,746,635$14,659,272$240,887,070
80$342,743,540$32,166,582$15,063,719$264,916,985
81$377,614,014$33,653,377$15,478,986$291,377,266
82$416,038,460$35,210,210$15,905,349$320,514,969
83$458,379,297$36,840,424$16,343,092$352,602,316
84$505,035,904$38,547,523$16,792,504$387,939,255
85$556,448,395$40,335,180$17,253,882$426,856,293
86$613,101,773$42,207,246$17,727,529$469,717,605
87$675,530,508$44,167,756$18,213,756$516,924,469
88$744,323,584$46,220,940$18,712,880$568,919,050
89$820,130,056$48,371,232$19,225,228$626,188,565
90$903,665,180$50,623,281$19,751,131$689,269,880
91$995,717,165$52,981,958$20,290,931$758,754,569
92$1,097,154,614$55,452,373$20,844,976$835,294,493
93$1,208,934,724$58,039,877$21,413,621$919,607,947
94$1,332,112,320$60,750,086$21,997,231$1,012,486,434
95$1,467,849,818$63,588,881$22,596,180$1,114,802,128
96$1,617,428,194$66,562,432$23,210,848$1,227,516,103
97$1,782,259,083$69,677,204$23,841,624$1,351,687,392
98$1,963,898,099$72,939,976$24,488,908$1,488,482,982
99$2,164,059,525$76,357,855$25,153,106$1,639,188,821
100$2,384,632,497$79,938,290$25,834,635$1,805,221,942