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%19.6%
1 years$363,348$360,111$356,954$353,872$350,862$337,341
2 years$179,875$176,525$173,278$170,131$167,077$153,616
3 years$118,726$115,361$112,123$109,004$106,001$93,023
4 years$88,157$84,803$81,597$78,531$75,601$63,206
5 years$69,820$66,486$63,322$60,320$57,470$45,690
6 years$57,600$54,291$51,174$48,238$45,474$34,316
7 years$48,875$45,594$42,526$39,659$36,983$26,443
8 years$42,334$39,082$36,065$33,269$30,681$20,750
9 years$37,249$34,028$31,063$28,338$25,838$16,501
10 years$33,183$29,994$27,081$24,428$22,015$13,254
11 years$29,859$26,702$23,842$21,259$18,934$10,730
12 years$27,091$23,966$21,159$18,647$16,407$8,739
13 years$24,751$21,658$18,904$16,463$14,308$7,152
14 years$22,746$19,687$16,986$14,614$12,542$5,876
15 years$21,011$17,984$15,336$13,033$11,043$4,842
16 years$19,494$16,500$13,904$11,670$9,760$4,001
17 years$18,156$15,196$12,652$10,485$8,654$3,312
18 years$16,969$14,042$11,550$9,449$7,694$2,747
19 years$15,908$13,014$10,573$8,538$6,858$2,281
20 years$14,954$12,093$9,704$7,733$6,126$1,897
21 years$14,092$11,264$8,925$7,018$5,482$1,578
22 years$13,310$10,515$8,226$6,381$4,914$1,315
23 years$12,597$9,834$7,595$5,811$4,411$1,096
24 years$11,944$9,214$7,024$5,300$3,965$914
25 years$11,344$8,647$6,506$4,841$3,568$762
26 years$10,791$8,127$6,034$4,426$3,214$636
27 years$10,280$7,648$5,603$4,051$2,897$531
28 years$9,807$7,207$5,209$3,712$2,614$443
29 years$9,367$6,799$4,847$3,404$2,361$370
30 years$8,956$6,421$4,515$3,124$2,133$309
31 years$8,574$6,070$4,209$2,869$1,928$258
32 years$8,216$5,743$3,927$2,637$1,744$216
33 years$7,880$5,439$3,667$2,425$1,579$180
34 years$7,564$5,155$3,426$2,231$1,429$151
35 years$7,268$4,889$3,203$2,054$1,295$126
36 years$6,988$4,641$2,997$1,891$1,173$105
37 years$6,724$4,408$2,805$1,743$1,063$88
38 years$6,475$4,189$2,627$1,606$964$74
39 years$6,239$3,983$2,461$1,481$874$62
40 years$6,015$3,790$2,306$1,366$793$51
41 years$5,803$3,607$2,163$1,260$719$43
42 years$5,602$3,436$2,029$1,163$653$36
43 years$5,410$3,273$1,904$1,074$592$30
44 years$5,228$3,120$1,787$991$538$25
45 years$5,054$2,975$1,678$916$488$21
46 years$4,888$2,838$1,576$846$443$18
47 years$4,730$2,709$1,481$781$402$15
48 years$4,579$2,586$1,391$722$365$12
49 years$4,434$2,469$1,308$667$332$10
50 years$4,296$2,359$1,229$617$301$9

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 $2,296 every year, while hoping to spend $44,460 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: 34/45/21 Blend
34$4,400,000$4,400,000$4,400,000$4,400,000
35$4,851,168$4,617,968$4,549,768$4,984,856
36$5,298,682$4,796,944$4,654,880$5,262,996
37$5,790,353$4,983,199$4,762,024$5,558,486
38$6,330,637$5,177,043$4,871,219$5,876,221
39$6,924,444$5,378,801$4,982,487$6,218,198
40$7,577,184$5,588,809$5,095,848$6,586,608
41$8,294,817$5,807,420$5,211,318$6,983,855
42$9,083,908$6,035,004$5,328,918$7,412,577
43$9,951,691$6,271,944$5,448,661$7,875,669
44$10,906,137$6,518,643$5,570,565$8,376,310
45$11,956,027$6,775,520$5,694,643$8,917,993
46$13,111,036$7,043,015$5,820,907$9,504,552
47$14,381,824$7,321,584$5,949,370$10,140,200
48$15,780,136$7,611,708$6,080,040$10,829,566
49$17,318,914$7,913,886$6,212,925$11,577,737
50$19,012,417$8,228,640$6,348,032$12,390,304
51$20,876,358$8,556,518$6,485,365$13,273,412
52$22,928,047$8,898,088$6,624,926$14,233,818
53$25,186,561$9,253,948$6,766,714$15,278,951
54$27,672,919$9,624,720$6,910,728$16,416,980
55$30,410,282$10,011,056$7,056,962$17,656,889
56$33,424,169$10,413,636$7,205,409$19,008,559
57$36,742,702$10,833,172$7,356,058$20,482,862
58$40,396,867$11,270,407$7,508,895$22,091,755
59$44,420,809$11,726,119$7,663,905$23,848,394
60$48,852,152$12,201,119$7,821,066$25,767,257
61$53,732,356$12,696,258$7,980,356$27,864,274
62$59,107,104$13,212,423$8,141,746$30,156,974
63$65,026,740$13,750,542$8,305,205$32,664,651
64$71,546,735$14,311,587$8,470,698$35,408,542
65$78,728,220$14,896,572$8,638,183$38,412,019
66$86,638,552$15,506,558$8,807,617$41,700,813
67$95,351,961$16,142,655$8,978,948$45,303,248
68$104,950,239$16,806,024$9,152,121$49,250,508
69$115,523,522$17,497,878$9,327,076$53,576,923
70$127,171,133$18,219,486$9,503,745$58,320,292
71$140,002,523$18,972,175$9,682,055$63,522,237
72$154,138,303$19,757,334$9,861,926$69,228,585
73$169,711,382$20,576,415$10,043,272$75,489,801
74$186,868,219$21,430,936$10,225,999$82,361,460
75$205,770,213$22,322,487$10,410,005$89,904,759
76$226,595,214$23,252,729$10,595,180$98,187,100
77$249,539,214$24,223,400$10,781,406$107,282,709
78$274,818,187$25,236,320$10,968,557$117,273,341
79$302,670,134$26,293,391$11,156,495$128,249,037
80$333,357,324$27,396,605$11,345,074$140,308,975
81$367,168,776$28,548,043$11,534,139$153,562,391
82$404,422,979$29,749,885$11,723,520$168,129,612
83$445,470,905$31,004,411$11,913,040$184,143,176
84$490,699,318$32,314,008$12,102,508$201,749,082
85$540,534,427$33,681,172$12,291,720$221,108,157
86$595,445,905$35,108,517$12,480,459$242,397,565
87$655,951,328$36,598,775$12,668,496$265,812,472
88$722,621,058$38,154,810$12,855,585$291,567,880
89$796,083,625$39,779,614$13,041,466$319,900,643
90$877,031,664$41,476,324$13,225,864$351,071,698
91$966,228,449$43,248,219$13,408,486$385,368,515
92$1,064,515,102$45,098,733$13,589,021$423,107,799
93$1,172,818,531$47,031,460$13,767,142$464,638,470
94$1,292,160,181$49,050,161$13,942,501$510,344,942
95$1,423,665,675$51,158,775$14,114,731$560,650,746
96$1,568,575,442$53,361,423$14,283,442$616,022,506
97$1,728,256,425$55,662,421$14,448,226$676,974,338
98$1,904,214,987$58,066,285$14,608,647$744,072,683
99$2,098,111,128$60,577,746$14,764,250$817,941,646
100$2,311,774,162$63,201,755$14,914,551$899,268,865