Can I retire at age 35 with 4,300,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $4,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$355,090$351,927$348,841$345,829$342,888$336,240
2 years$175,787$172,513$169,340$166,264$163,280$156,609
3 years$116,027$112,739$109,574$106,527$103,592$97,106
4 years$86,153$82,875$79,742$76,747$73,882$67,632
5 years$68,234$64,975$61,883$58,949$56,164$50,167
6 years$56,291$53,057$50,011$47,142$44,441$38,703
7 years$47,764$44,557$41,559$38,758$36,142$30,665
8 years$41,371$38,194$35,245$32,513$29,984$24,766
9 years$36,402$33,255$30,357$27,694$25,250$20,289
10 years$32,429$29,312$26,466$23,872$21,515$16,805
11 years$29,181$26,095$23,300$20,776$18,503$14,039
12 years$26,475$23,422$20,678$18,223$16,035$11,810
13 years$24,188$21,166$18,475$16,089$13,982$9,991
14 years$22,229$19,239$16,600$14,282$12,257$8,490
15 years$20,533$17,576$14,987$12,737$10,792$7,243
16 years$19,051$16,125$13,588$11,404$9,538$6,198
17 years$17,744$14,851$12,365$10,247$8,457$5,318
18 years$16,583$13,723$11,287$9,234$7,520$4,574
19 years$15,546$12,718$10,333$8,344$6,702$3,941
20 years$14,614$11,818$9,483$7,557$5,987$3,401
21 years$13,772$11,008$8,723$6,859$5,357$2,939
22 years$13,007$10,276$8,039$6,236$4,802$2,543
23 years$12,310$9,611$7,423$5,679$4,311$2,203
24 years$11,672$9,005$6,865$5,180$3,875$1,909
25 years$11,086$8,450$6,358$4,731$3,487$1,657
26 years$10,546$7,942$5,897$4,325$3,141$1,438
27 years$10,047$7,474$5,476$3,959$2,831$1,249
28 years$9,584$7,043$5,090$3,627$2,555$1,085
29 years$9,154$6,644$4,737$3,326$2,307$944
30 years$8,753$6,275$4,412$3,053$2,085$821
31 years$8,379$5,932$4,114$2,804$1,885$714
32 years$8,029$5,613$3,838$2,577$1,705$621
33 years$7,701$5,315$3,584$2,369$1,543$541
34 years$7,393$5,038$3,348$2,180$1,397$471
35 years$7,103$4,778$3,130$2,007$1,265$410
36 years$6,829$4,535$2,928$1,848$1,146$357
37 years$6,572$4,307$2,741$1,703$1,039$311
38 years$6,328$4,094$2,567$1,570$942$271
39 years$6,097$3,893$2,405$1,447$854$236
40 years$5,879$3,704$2,254$1,335$775$206
41 years$5,671$3,525$2,114$1,232$703$179
42 years$5,475$3,357$1,983$1,137$638$156
43 years$5,287$3,199$1,860$1,049$579$136
44 years$5,109$3,049$1,746$969$525$119
45 years$4,939$2,908$1,640$895$477$103
46 years$4,777$2,774$1,540$826$433$90
47 years$4,623$2,647$1,447$764$393$79
48 years$4,475$2,527$1,360$706$357$68
49 years$4,334$2,413$1,278$652$324$60
50 years$4,198$2,305$1,202$603$295$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,300,000, adding $3,141 every year, while hoping to spend $25,416 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: 56/31/13 Blend
34$4,300,000$4,300,000$4,300,000$4,300,000
35$4,741,840$4,513,940$4,447,290$4,991,440
36$5,198,465$4,708,081$4,569,232$5,355,070
37$5,700,814$4,910,882$4,694,407$5,747,912
38$6,253,525$5,122,743$4,822,896$6,175,226
39$6,861,705$5,344,078$4,954,784$6,640,311
40$7,530,984$5,575,323$5,090,155$7,146,795
41$8,267,566$5,816,936$5,229,097$7,698,666
42$9,078,285$6,069,392$5,371,698$8,300,309
43$9,970,671$6,333,193$5,518,051$8,956,545
44$10,953,021$6,608,862$5,668,248$9,672,679
45$12,034,480$6,896,947$5,822,385$10,454,544
46$13,225,122$7,198,022$5,980,559$11,308,557
47$14,536,047$7,512,688$6,142,871$12,241,778
48$15,979,488$7,841,574$6,309,422$13,261,974
49$17,568,925$8,185,340$6,480,316$14,377,691
50$19,319,209$8,544,676$6,655,661$15,598,335
51$21,246,708$8,920,304$6,835,565$16,934,255
52$23,369,454$9,312,981$7,020,139$18,396,842
53$25,707,322$9,723,501$7,209,497$19,998,632
54$28,282,209$10,152,692$7,403,755$21,753,426
55$31,118,246$10,601,426$7,603,032$23,676,413
56$34,242,023$11,070,612$7,807,450$25,784,315
57$37,682,842$11,561,204$8,017,131$28,095,541
58$41,472,990$12,074,201$8,232,204$30,630,360
59$45,648,047$12,610,649$8,452,795$33,411,086
60$50,247,223$13,171,646$8,679,038$36,462,290
61$55,313,721$13,758,338$8,911,067$39,811,025
62$60,895,152$14,371,928$9,149,020$43,487,083
63$67,043,981$15,013,676$9,393,036$47,523,270
64$73,818,023$15,684,902$9,643,258$51,955,712
65$81,280,987$16,386,988$9,899,833$56,824,196
66$89,503,080$17,121,382$10,162,909$62,172,537
67$98,561,666$17,889,602$10,432,639$68,048,994
68$108,541,999$18,693,236$10,709,176$74,506,717
69$119,538,029$19,533,951$10,992,679$81,604,245
70$131,653,284$20,413,490$11,283,309$89,406,057
71$145,001,849$21,333,681$11,581,230$97,983,175
72$159,709,445$22,296,439$11,886,610$107,413,829
73$175,914,615$23,303,771$12,199,617$117,784,192
74$193,770,029$24,357,779$12,520,427$129,189,185
75$213,443,926$25,460,664$12,849,216$141,733,375
76$235,121,706$26,614,736$13,186,164$155,531,949
77$259,007,674$27,822,412$13,531,455$170,711,799
78$285,326,973$29,086,226$13,885,274$187,412,714
79$314,327,706$30,408,834$14,247,813$205,788,695
80$346,283,282$31,793,016$14,619,265$226,009,396
81$381,494,992$33,241,690$14,999,826$248,261,727
82$420,294,857$34,757,909$15,389,696$272,751,604
83$463,048,761$36,344,875$15,789,079$299,705,889
84$510,159,904$38,005,943$16,198,183$329,374,526
85$562,072,609$39,744,628$16,617,216$362,032,886
86$619,276,516$41,564,616$17,046,394$397,984,364
87$682,311,205$43,469,767$17,485,933$437,563,229
88$751,771,290$45,464,127$17,936,053$481,137,776
89$828,312,030$47,551,938$18,396,980$529,113,789
90$912,655,518$49,737,644$18,868,939$581,938,360
91$1,005,597,495$52,025,903$19,352,163$640,104,103
92$1,108,014,863$54,421,596$19,846,885$704,153,793
93$1,220,873,966$56,929,841$20,353,342$774,685,475
94$1,345,239,707$59,556,000$20,871,775$852,358,098
95$1,482,285,607$62,305,693$21,402,429$937,897,727
96$1,633,304,878$65,184,812$21,945,551$1,032,104,379
97$1,799,722,640$68,199,531$22,501,390$1,135,859,564
98$1,983,109,363$71,356,322$23,070,201$1,250,134,591
99$2,185,195,705$74,661,970$23,652,240$1,375,999,725
100$2,407,888,844$78,123,583$24,247,767$1,514,634,269