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%13.9%
1 years$346,832$343,743$340,729$337,787$334,914$329,501
2 years$171,699$168,501$165,402$162,397$159,483$154,045
3 years$113,329$110,117$107,026$104,050$101,182$95,888
4 years$84,150$80,948$77,888$74,962$72,164$67,054
5 years$66,647$63,464$60,444$57,578$54,858$49,947
6 years$54,982$51,823$48,848$46,046$43,407$38,701
7 years$46,653$43,521$40,593$37,857$35,302$30,802
8 years$40,409$37,306$34,426$31,757$29,286$24,992
9 years$35,556$32,481$29,651$27,050$24,663$20,572
10 years$31,675$28,631$25,850$23,317$21,014$17,123
11 years$28,502$25,488$22,758$20,293$18,073$14,377
12 years$25,860$22,877$20,197$17,800$15,662$12,157
13 years$23,626$20,674$18,045$15,714$13,657$10,339
14 years$21,712$18,792$16,214$13,950$11,972$8,833
15 years$20,056$17,167$14,639$12,441$10,541$7,577
16 years$18,608$15,750$13,272$11,139$9,316$6,521
17 years$17,331$14,505$12,077$10,008$8,260$5,627
18 years$16,198$13,404$11,025$9,020$7,345$4,868
19 years$15,185$12,422$10,093$8,150$6,547$4,219
20 years$14,274$11,543$9,263$7,381$5,847$3,663
21 years$13,452$10,752$8,520$6,699$5,233$3,185
22 years$12,705$10,037$7,852$6,091$4,690$2,773
23 years$12,024$9,387$7,250$5,547$4,210$2,416
24 years$11,401$8,795$6,705$5,059$3,784$2,108
25 years$10,828$8,254$6,210$4,621$3,405$1,840
26 years$10,301$7,757$5,760$4,225$3,067$1,608
27 years$9,813$7,301$5,348$3,867$2,766$1,406
28 years$9,361$6,879$4,972$3,543$2,495$1,229
29 years$8,941$6,490$4,627$3,249$2,253$1,076
30 years$8,549$6,129$4,310$2,982$2,036$942
31 years$8,184$5,794$4,018$2,739$1,841$825
32 years$7,842$5,482$3,749$2,517$1,665$723
33 years$7,522$5,192$3,500$2,314$1,507$633
34 years$7,221$4,921$3,270$2,129$1,364$555
35 years$6,937$4,667$3,058$1,960$1,236$487
36 years$6,671$4,430$2,860$1,805$1,120$427
37 years$6,419$4,207$2,677$1,663$1,015$374
38 years$6,181$3,998$2,507$1,533$920$328
39 years$5,956$3,802$2,349$1,414$834$288
40 years$5,742$3,617$2,202$1,304$757$253
41 years$5,540$3,443$2,064$1,203$687$222
42 years$5,347$3,279$1,937$1,110$623$194
43 years$5,164$3,125$1,817$1,025$565$171
44 years$4,990$2,978$1,706$946$513$150
45 years$4,824$2,840$1,602$874$466$131
46 years$4,666$2,709$1,504$807$423$115
47 years$4,515$2,586$1,413$746$384$101
48 years$4,371$2,468$1,328$689$349$89
49 years$4,233$2,357$1,248$637$317$78
50 years$4,101$2,252$1,174$589$288$68

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 $5,537 every year, while hoping to spend $30,659 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: 32/46/22 Blend
34$4,200,000$4,200,000$4,200,000$4,200,000
35$4,634,111$4,411,511$4,346,411$4,750,790
36$5,074,170$4,595,055$4,459,395$5,022,626
37$5,558,087$4,786,564$4,575,137$5,312,066
38$6,090,303$4,986,397$4,693,695$5,623,197
39$6,675,712$5,194,929$4,815,132$5,957,940
40$7,319,705$5,412,551$4,939,510$6,318,399
41$8,028,223$5,639,673$5,066,890$6,706,882
42$8,807,809$5,876,724$5,197,339$7,125,917
43$9,665,675$6,124,153$5,330,919$7,578,279
44$10,609,766$6,382,430$5,467,698$8,067,011
45$11,648,838$6,652,045$5,607,741$8,595,454
46$12,792,538$6,933,512$5,751,118$9,167,272
47$14,051,493$7,227,371$5,897,897$9,786,489
48$15,437,416$7,534,183$6,048,148$10,457,523
49$16,963,213$7,854,538$6,201,941$11,185,225
50$18,643,103$8,189,053$6,359,348$11,974,924
51$20,492,755$8,538,372$6,520,442$12,832,473
52$22,529,436$8,903,172$6,685,297$13,764,304
53$24,772,170$9,284,160$6,853,987$14,777,485
54$27,241,923$9,682,075$7,026,586$15,879,781
55$29,961,794$10,097,692$7,203,172$17,079,731
56$32,957,240$10,531,822$7,383,821$18,386,720
57$36,256,311$10,985,313$7,568,612$19,811,067
58$39,889,916$11,459,055$7,757,622$21,364,120
59$43,892,116$11,953,977$7,950,930$23,058,355
60$48,300,443$12,471,053$8,148,618$24,907,497
61$53,156,257$13,011,303$8,350,765$26,926,641
62$58,505,132$13,575,794$8,557,453$29,132,392
63$64,397,292$14,165,644$8,768,763$31,543,018
64$70,888,077$14,782,022$8,984,778$34,178,620
65$78,038,474$15,426,154$9,205,581$37,061,313
66$85,915,685$16,099,323$9,431,255$40,215,433
67$94,593,767$16,802,871$9,661,884$43,667,763
68$104,154,325$17,538,206$9,897,551$47,447,778
69$114,687,288$18,306,800$10,138,341$51,587,921
70$126,291,754$19,110,196$10,384,338$56,123,902
71$139,076,926$19,950,008$10,635,626$61,095,028
72$153,163,142$20,827,929$10,892,290$66,544,571
73$168,683,015$21,745,729$11,154,414$72,520,170
74$185,782,677$22,705,265$11,422,081$79,074,271
75$204,623,166$23,708,478$11,695,377$86,264,620
76$225,381,940$24,757,405$11,974,383$94,154,796
77$248,254,556$25,854,176$12,259,183$102,814,809
78$273,456,515$27,001,025$12,549,859$112,321,748
79$301,225,292$28,200,288$12,846,493$122,760,504
80$331,822,586$29,454,417$13,149,165$134,224,563
81$365,536,782$30,765,975$13,457,954$146,816,878
82$402,685,677$32,137,651$13,772,939$160,650,830
83$443,619,480$33,572,260$14,094,196$175,851,295
84$488,724,117$35,072,750$14,421,801$192,555,804
85$538,424,873$36,642,211$14,755,828$210,915,839
86$593,190,409$38,283,879$15,096,347$231,098,245
87$653,537,186$40,001,144$15,443,429$253,286,801
88$720,034,336$41,797,557$15,797,142$277,683,933
89$793,309,041$43,676,840$16,157,549$304,512,623
90$874,052,449$45,642,890$16,524,712$334,018,490
91$963,026,199$47,699,793$16,898,691$366,472,106
92$1,061,069,615$49,851,826$17,279,540$402,171,526
93$1,169,107,624$52,103,474$17,667,313$441,445,092
94$1,288,159,490$54,459,432$18,062,056$484,654,516
95$1,419,348,437$56,924,624$18,463,815$532,198,276
96$1,563,912,253$59,504,206$18,872,627$584,515,364
97$1,723,214,971$62,203,580$19,288,529$642,089,407
98$1,898,759,752$65,028,410$19,711,549$705,453,220
99$2,092,203,072$67,984,627$20,141,711$775,193,811
100$2,305,370,360$71,078,448$20,579,033$851,957,904