Can I retire at age 35 with 4,400,000?

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 $4,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$363,348$360,111$356,954$353,872$350,862$348,944
2 years$179,875$176,525$173,278$170,131$167,077$165,141
3 years$118,726$115,361$112,123$109,004$106,001$104,107
4 years$88,157$84,803$81,597$78,531$75,601$73,764
5 years$69,820$66,486$63,322$60,320$57,470$55,697
6 years$57,600$54,291$51,174$48,238$45,474$43,766
7 years$48,875$45,594$42,526$39,659$36,983$35,340
8 years$42,334$39,082$36,065$33,269$30,681$29,104
9 years$37,249$34,028$31,063$28,338$25,838$24,326
10 years$33,183$29,994$27,081$24,428$22,015$20,568
11 years$29,859$26,702$23,842$21,259$18,934$17,550
12 years$27,091$23,966$21,159$18,647$16,407$15,087
13 years$24,751$21,658$18,904$16,463$14,308$13,048
14 years$22,746$19,687$16,986$14,614$12,542$11,342
15 years$21,011$17,984$15,336$13,033$11,043$9,902
16 years$19,494$16,500$13,904$11,670$9,760$8,675
17 years$18,156$15,196$12,652$10,485$8,654$7,624
18 years$16,969$14,042$11,550$9,449$7,694$6,718
19 years$15,908$13,014$10,573$8,538$6,858$5,933
20 years$14,954$12,093$9,704$7,733$6,126$5,251
21 years$14,092$11,264$8,925$7,018$5,482$4,655
22 years$13,310$10,515$8,226$6,381$4,914$4,133
23 years$12,597$9,834$7,595$5,811$4,411$3,674
24 years$11,944$9,214$7,024$5,300$3,965$3,270
25 years$11,344$8,647$6,506$4,841$3,568$2,913
26 years$10,791$8,127$6,034$4,426$3,214$2,598
27 years$10,280$7,648$5,603$4,051$2,897$2,319
28 years$9,807$7,207$5,209$3,712$2,614$2,071
29 years$9,367$6,799$4,847$3,404$2,361$1,851
30 years$8,956$6,421$4,515$3,124$2,133$1,655
31 years$8,574$6,070$4,209$2,869$1,928$1,481
32 years$8,216$5,743$3,927$2,637$1,744$1,325
33 years$7,880$5,439$3,667$2,425$1,579$1,187
34 years$7,564$5,155$3,426$2,231$1,429$1,063
35 years$7,268$4,889$3,203$2,054$1,295$953
36 years$6,988$4,641$2,997$1,891$1,173$854
37 years$6,724$4,408$2,805$1,743$1,063$765
38 years$6,475$4,189$2,627$1,606$964$686
39 years$6,239$3,983$2,461$1,481$874$616
40 years$6,015$3,790$2,306$1,366$793$552
41 years$5,803$3,607$2,163$1,260$719$495
42 years$5,602$3,436$2,029$1,163$653$445
43 years$5,410$3,273$1,904$1,074$592$399
44 years$5,228$3,120$1,787$991$538$358
45 years$5,054$2,975$1,678$916$488$321
46 years$4,888$2,838$1,576$846$443$289
47 years$4,730$2,709$1,481$781$402$259
48 years$4,579$2,586$1,391$722$365$233
49 years$4,434$2,469$1,308$667$332$209
50 years$4,296$2,359$1,229$617$301$188

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,400,000, adding $2,228 every year, while hoping to spend $38,091 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: 64/21/15 Blend
34$4,400,000$4,400,000$4,400,000$4,400,000
35$4,851,098$4,617,898$4,549,698$5,143,791
36$5,305,382$4,803,647$4,661,585$5,525,903
37$5,804,725$4,997,220$4,775,942$5,938,554
38$6,353,685$5,198,962$4,892,814$6,388,391
39$6,957,281$5,409,231$5,012,243$6,879,038
40$7,621,042$5,628,401$5,134,272$7,414,487
41$8,351,062$5,856,866$5,258,943$7,999,128
42$9,154,052$6,095,035$5,386,300$8,637,791
43$10,037,410$6,343,337$5,516,386$9,335,794
44$11,009,285$6,602,219$5,649,244$10,098,991
45$12,078,654$6,872,150$5,784,915$10,933,823
46$13,255,411$7,153,620$5,923,445$11,847,383
47$14,550,457$7,447,141$6,064,874$12,847,478
48$15,975,802$7,753,249$6,209,245$13,942,704
49$17,544,679$8,072,504$6,356,601$15,142,524
50$19,271,672$8,405,491$6,506,982$16,457,358
51$21,172,847$8,752,825$6,660,430$17,898,679
52$23,265,908$9,115,145$6,816,986$19,479,124
53$25,570,366$9,493,122$6,976,690$21,212,603
54$28,107,715$9,887,456$7,139,581$23,114,439
55$30,901,642$10,298,882$7,305,697$25,201,505
56$33,978,249$10,728,167$7,475,077$27,492,385
57$37,366,296$11,176,112$7,647,758$30,007,545
58$41,097,474$11,643,558$7,823,774$32,769,529
59$45,206,708$12,131,384$8,003,162$35,803,165
60$49,732,477$12,640,507$8,185,953$39,135,802
61$54,717,188$13,171,890$8,372,181$42,797,564
62$60,207,568$13,726,539$8,561,875$46,821,633
63$66,255,106$14,305,506$8,755,065$51,244,562
64$72,916,544$14,909,893$8,951,777$56,106,614
65$80,254,407$15,540,853$9,152,036$61,452,146
66$88,337,593$16,199,591$9,355,866$67,330,021
67$97,242,027$16,887,371$9,563,287$73,794,068
68$107,051,375$17,605,513$9,774,318$80,903,588
69$117,857,832$18,355,399$9,988,974$88,723,913
70$129,762,994$19,138,478$10,207,269$97,327,018
71$142,878,819$19,956,263$10,429,212$106,792,198
72$157,328,678$20,810,339$10,654,809$117,206,817
73$173,248,523$21,702,365$10,884,066$128,667,125
74$190,788,170$22,634,079$11,116,980$141,279,167
75$210,112,713$23,607,299$11,353,548$155,159,779
76$231,404,081$24,623,927$11,593,763$170,437,692
77$254,862,753$25,685,956$11,837,610$187,254,737
78$280,709,657$26,795,471$12,085,073$205,767,186
79$309,188,249$27,954,655$12,336,129$226,147,222
80$340,566,812$29,165,795$12,590,752$248,584,561
81$375,140,992$30,431,284$12,848,907$273,288,236
82$413,236,583$31,753,628$13,110,556$300,488,572
83$455,212,608$33,135,449$13,375,653$330,439,349
84$501,464,704$34,579,495$13,644,147$363,420,201
85$552,428,856$36,088,643$13,915,978$399,739,245
86$608,585,516$37,665,903$14,191,080$439,735,987
87$670,464,136$39,314,430$14,469,379$483,784,522
88$738,648,167$41,037,526$14,750,792$532,297,063
89$813,780,565$42,838,649$15,035,228$585,727,821
90$896,569,861$44,721,422$15,322,587$644,577,292
91$987,796,851$46,689,636$15,612,758$709,396,974
92$1,088,321,966$48,747,264$15,905,621$780,794,570
93$1,199,093,392$50,898,465$16,201,045$859,439,712
94$1,321,156,025$53,147,597$16,498,887$946,070,283
95$1,455,661,332$55,499,222$16,798,993$1,041,499,371
96$1,603,878,224$57,958,120$17,101,195$1,146,622,941
97$1,767,205,031$60,529,296$17,405,313$1,262,428,283
98$1,947,182,706$63,217,993$17,711,152$1,390,003,326
99$2,145,509,370$66,029,704$18,018,505$1,530,546,899
100$2,364,056,347$68,970,180$18,327,145$1,685,380,041