Can I retire at age 35 with 4,500,000?

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 $4,500,000?

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$371,606$368,296$365,066$361,914$358,836$353,037
2 years$183,963$180,537$177,217$173,997$170,874$165,048
3 years$121,424$117,983$114,671$111,482$108,410$102,737
4 years$90,160$86,730$83,451$80,316$77,319$71,844
5 years$71,407$67,997$64,761$61,691$58,776$53,515
6 years$58,909$55,525$52,337$49,334$46,508$41,465
7 years$49,985$46,630$43,492$40,561$37,823$33,002
8 years$43,296$39,970$36,885$34,025$31,378$26,777
9 years$38,095$34,801$31,769$28,982$26,425$22,041
10 years$33,937$30,676$27,697$24,983$22,515$18,346
11 years$30,538$27,309$24,384$21,742$19,364$15,404
12 years$27,707$24,511$21,640$19,071$16,780$13,025
13 years$25,313$22,151$19,334$16,837$14,633$11,077
14 years$23,263$20,134$17,372$14,946$12,827$9,464
15 years$21,488$18,393$15,684$13,329$11,294$8,118
16 years$19,937$16,875$14,220$11,935$9,982$6,987
17 years$18,569$15,542$12,940$10,723$8,850$6,029
18 years$17,355$14,361$11,812$9,664$7,869$5,215
19 years$16,270$13,310$10,814$8,732$7,014$4,520
20 years$15,294$12,368$9,924$7,909$6,265$3,924
21 years$14,413$11,520$9,128$7,178$5,607$3,412
22 years$13,612$10,754$8,413$6,526$5,026$2,971
23 years$12,883$10,058$7,768$5,943$4,511$2,589
24 years$12,215$9,424$7,184$5,421$4,055$2,258
25 years$11,602$8,844$6,654$4,951$3,649$1,972
26 years$11,036$8,311$6,171$4,527$3,287$1,723
27 years$10,514$7,822$5,731$4,143$2,963$1,506
28 years$10,030$7,371$5,327$3,796$2,674$1,317
29 years$9,579$6,953$4,957$3,481$2,414$1,153
30 years$9,160$6,567$4,618$3,195$2,181$1,009
31 years$8,769$6,208$4,305$2,934$1,972$884
32 years$8,402$5,874$4,017$2,697$1,784$774
33 years$8,059$5,563$3,750$2,480$1,615$678
34 years$7,736$5,272$3,504$2,282$1,462$595
35 years$7,433$5,000$3,276$2,100$1,324$521
36 years$7,147$4,746$3,065$1,934$1,200$457
37 years$6,877$4,508$2,868$1,782$1,087$401
38 years$6,622$4,284$2,686$1,643$986$352
39 years$6,381$4,074$2,517$1,515$894$308
40 years$6,152$3,876$2,359$1,397$811$271
41 years$5,935$3,689$2,212$1,289$736$237
42 years$5,729$3,514$2,075$1,190$667$208
43 years$5,533$3,348$1,947$1,098$606$183
44 years$5,347$3,191$1,828$1,014$550$160
45 years$5,169$3,043$1,716$936$499$141
46 years$4,999$2,903$1,612$865$453$124
47 years$4,838$2,770$1,514$799$412$108
48 years$4,683$2,645$1,423$738$374$95
49 years$4,535$2,525$1,337$682$339$84
50 years$4,394$2,412$1,257$631$308$73

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,500,000, adding $5,555 every year, while hoping to spend $55,013 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: 63/23/14 Blend
34$4,500,000$4,500,000$4,500,000$4,500,000
35$4,964,730$4,726,230$4,656,480$5,260,397
36$5,412,599$4,899,282$4,753,939$5,632,344
37$5,904,307$5,078,969$4,852,818$6,031,525
38$6,444,267$5,265,560$4,953,109$6,466,080
39$7,037,342$5,459,331$5,054,797$6,939,450
40$7,688,886$5,660,574$5,157,868$7,455,420
41$8,404,800$5,869,591$5,262,305$8,018,159
42$9,191,585$6,086,696$5,368,087$8,632,251
43$10,056,401$6,312,218$5,475,192$9,302,745
44$11,007,137$6,546,500$5,583,595$10,035,197
45$12,052,486$6,789,899$5,693,266$10,835,724
46$13,202,022$7,042,787$5,804,173$11,711,058
47$14,466,297$7,305,552$5,916,281$12,668,613
48$15,856,934$7,578,599$6,029,552$13,716,552
49$17,386,742$7,862,350$6,143,942$14,863,863
50$19,069,830$8,157,246$6,259,405$16,120,441
51$20,921,747$8,463,746$6,375,889$17,497,184
52$22,959,624$8,782,328$6,493,340$19,006,094
53$25,202,335$9,113,492$6,611,696$20,660,387
54$27,670,680$9,457,759$6,730,894$22,474,619
55$30,387,573$9,815,673$6,850,863$24,464,819
56$33,378,265$10,187,801$6,971,527$26,648,646
57$36,670,580$10,574,734$7,092,805$29,045,547
58$40,295,174$10,977,091$7,214,609$31,676,942
59$44,285,829$11,395,516$7,336,845$34,566,426
60$48,679,768$11,830,681$7,459,414$37,739,991
61$53,518,008$12,283,288$7,582,208$41,226,266
62$58,845,744$12,754,068$7,705,111$45,056,790
63$64,712,780$13,243,788$7,828,003$49,266,305
64$71,173,994$13,753,244$7,950,751$53,893,086
65$78,289,857$14,283,269$8,073,217$58,979,297
66$86,127,007$14,834,733$8,195,254$64,571,389
67$94,758,870$15,408,544$8,316,704$70,720,538
68$104,266,362$16,005,649$8,437,400$77,483,122
69$114,738,643$16,627,038$8,557,165$84,921,259
70$126,273,966$17,273,744$8,675,812$93,103,381
71$138,980,599$17,946,846$8,793,140$102,104,889
72$152,977,849$18,647,471$8,908,940$112,008,852
73$168,397,188$19,376,795$9,022,987$122,906,800
74$185,383,491$20,136,048$9,135,047$134,899,575
75$204,096,404$20,926,512$9,244,869$148,098,289
76$224,711,855$21,749,528$9,352,189$162,625,365
77$247,423,707$22,606,498$9,456,730$178,615,693
78$272,445,591$23,498,882$9,558,197$196,217,901
79$300,012,925$24,428,211$9,656,280$215,595,753
80$330,385,130$25,396,080$9,750,652$236,929,694
81$363,848,083$26,404,158$9,840,969$260,418,550
82$400,716,813$27,454,187$9,926,867$286,281,400
83$441,338,475$28,547,989$10,007,963$314,759,647
84$486,095,625$29,687,466$10,083,856$346,119,284
85$535,409,834$30,874,607$10,154,120$380,653,410
86$589,745,665$32,111,491$10,218,311$418,684,991
87$649,615,057$33,400,289$10,275,959$460,569,902
88$715,582,161$34,743,270$10,326,571$506,700,287
89$788,268,659$36,142,809$10,369,630$557,508,254
90$868,359,640$37,601,384$10,404,590$613,469,952
91$956,610,060$39,121,588$10,430,880$675,110,061
92$1,053,851,871$40,706,131$10,447,899$743,006,741
93$1,161,001,875$42,357,845$10,455,017$817,797,082
94$1,279,070,379$44,079,692$10,451,573$900,183,120
95$1,409,170,730$45,874,769$10,436,873$990,938,454
96$1,552,529,824$47,746,312$10,410,188$1,090,915,547
97$1,710,499,691$49,697,707$10,370,754$1,201,053,765
98$1,884,570,258$51,732,492$10,317,773$1,322,388,244
99$2,076,383,409$53,854,370$10,250,403$1,456,059,653
100$2,287,748,493$56,067,210$10,167,767$1,603,324,954