Can I retire at age 35 with 4,600,000?

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 $4,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$379,864$376,480$373,179$369,957$366,810$360,141
2 years$188,051$184,549$181,155$177,864$174,672$167,976
3 years$124,122$120,605$117,219$113,959$110,819$104,306
4 years$92,164$88,657$85,306$82,101$79,037$72,757
5 years$72,994$69,508$66,201$63,062$60,083$54,053
6 years$60,218$56,759$53,500$50,431$47,541$41,769
7 years$51,096$47,666$44,459$41,462$38,664$33,151
8 years$44,258$40,859$37,704$34,781$32,075$26,820
9 years$38,942$35,575$32,475$29,626$27,012$22,011
10 years$34,692$31,357$28,312$25,538$23,016$18,265
11 years$31,216$27,916$24,926$22,226$19,794$15,288
12 years$28,322$25,056$22,121$19,495$17,153$12,885
13 years$25,876$22,643$19,764$17,211$14,958$10,922
14 years$23,780$20,582$17,758$15,278$13,112$9,301
15 years$21,966$18,802$16,033$13,625$11,545$7,950
16 years$20,380$17,250$14,536$12,200$10,203$6,818
17 years$18,982$15,887$13,227$10,962$9,047$5,863
18 years$17,740$14,680$12,075$9,879$8,044$5,053
19 years$16,631$13,605$11,054$8,926$7,170$4,363
20 years$15,634$12,643$10,145$8,084$6,404$3,774
21 years$14,733$11,776$9,331$7,337$5,731$3,269
22 years$13,915$10,993$8,600$6,671$5,137$2,835
23 years$13,169$10,281$7,941$6,075$4,611$2,461
24 years$12,487$9,633$7,344$5,541$4,145$2,139
25 years$11,860$9,040$6,802$5,061$3,730$1,860
26 years$11,282$8,496$6,308$4,627$3,360$1,618
27 years$10,748$7,996$5,858$4,235$3,029$1,409
28 years$10,252$7,534$5,446$3,880$2,733$1,228
29 years$9,792$7,108$5,068$3,558$2,468$1,070
30 years$9,364$6,713$4,720$3,266$2,230$933
31 years$8,963$6,346$4,401$2,999$2,016$814
32 years$8,589$6,004$4,106$2,756$1,824$710
33 years$8,238$5,686$3,834$2,535$1,650$619
34 years$7,908$5,389$3,582$2,332$1,494$541
35 years$7,598$5,112$3,349$2,147$1,353$472
36 years$7,306$4,852$3,133$1,977$1,226$412
37 years$7,030$4,608$2,932$1,822$1,111$360
38 years$6,769$4,379$2,746$1,679$1,008$314
39 years$6,523$4,164$2,573$1,548$914$274
40 years$6,289$3,962$2,411$1,428$829$240
41 years$6,067$3,771$2,261$1,318$752$209
42 years$5,856$3,592$2,121$1,216$682$183
43 years$5,656$3,422$1,990$1,122$619$160
44 years$5,465$3,262$1,868$1,036$562$140
45 years$5,284$3,111$1,754$957$510$122
46 years$5,110$2,967$1,648$884$463$107
47 years$4,945$2,832$1,548$817$421$93
48 years$4,787$2,703$1,455$755$382$81
49 years$4,636$2,582$1,367$698$347$71
50 years$4,491$2,466$1,285$645$315$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,600,000, adding $2,141 every year, while hoping to spend $45,746 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: 43/47/10 Blend
34$4,600,000$4,600,000$4,600,000$4,600,000
35$5,071,408$4,827,608$4,756,308$5,274,703
36$5,540,019$5,015,488$4,866,971$5,604,400
37$6,054,894$5,211,040$4,979,808$5,956,561
38$6,620,705$5,414,593$5,094,844$6,337,034
39$7,242,598$5,626,489$5,212,102$6,748,428
40$7,926,240$5,847,084$5,331,605$7,193,608
41$8,677,879$6,076,754$5,453,376$7,675,720
42$9,504,394$6,315,886$5,577,436$8,198,220
43$10,413,368$6,564,890$5,703,805$8,764,902
44$11,413,151$6,824,189$5,832,502$9,379,937
45$12,512,948$7,094,230$5,963,546$10,047,905
46$13,722,896$7,375,475$6,096,953$10,773,844
47$15,054,169$7,668,411$6,232,738$11,563,288
48$16,519,075$7,973,544$6,370,916$12,422,320
49$18,131,177$8,291,404$6,511,498$13,357,630
50$19,905,419$8,622,544$6,654,495$14,376,575
51$21,858,267$8,967,544$6,799,915$15,487,242
52$24,007,864$9,327,007$6,947,766$16,698,528
53$26,374,201$9,701,566$7,098,051$18,020,218
54$28,979,307$10,091,880$7,250,774$19,463,076
55$31,847,455$10,498,640$7,405,933$21,038,946
56$35,005,389$10,922,568$7,563,526$22,760,855
57$38,482,582$11,364,417$7,723,547$24,643,141
58$42,311,508$11,824,976$7,885,989$26,701,580
59$46,527,951$12,305,069$8,050,838$28,953,534
60$51,171,343$12,805,558$8,218,082$31,418,112
61$56,285,132$13,327,343$8,387,700$34,116,345
62$61,917,199$13,871,366$8,559,672$37,071,383
63$68,120,303$14,438,613$8,733,971$40,308,711
64$74,952,582$15,030,112$8,910,566$43,856,381
65$82,478,099$15,646,942$9,089,424$47,745,279
66$90,767,450$16,290,226$9,270,504$52,009,409
67$99,898,427$16,961,145$9,453,763$56,686,210
68$109,956,754$17,660,928$9,639,152$61,816,904
69$121,036,893$18,390,864$9,826,614$67,446,885
70$133,242,941$19,152,301$10,016,090$73,626,135
71$146,689,604$19,946,647$10,207,512$80,409,700
72$161,503,287$20,775,376$10,400,807$87,858,196
73$177,823,283$21,640,030$10,595,895$96,038,381
74$195,803,088$22,542,222$10,792,688$105,023,777
75$215,611,852$23,483,640$10,991,091$114,895,360
76$237,435,969$24,466,047$11,191,002$125,742,314
77$261,480,846$25,491,291$11,392,308$137,662,873
78$287,972,832$26,561,304$11,594,890$150,765,235
79$317,161,360$27,678,107$11,798,618$165,168,580
80$349,321,300$28,843,816$12,003,353$181,004,186
81$384,755,553$30,060,643$12,208,946$198,416,663
82$423,797,909$31,330,904$12,415,235$217,565,305
83$466,816,199$32,657,022$12,622,049$238,625,591
84$514,215,769$34,041,534$12,829,205$261,790,830
85$566,443,301$35,487,092$13,036,507$287,273,974
86$623,991,034$36,996,475$13,243,746$315,309,624
87$687,401,406$38,572,590$13,450,698$346,156,230
88$757,272,180$40,218,477$13,657,127$380,098,525
89$834,262,081$41,937,321$13,862,780$417,450,196
90$919,097,019$43,732,455$14,067,388$458,556,838
91$1,012,576,937$45,607,367$14,270,668$503,799,204
92$1,115,583,365$47,565,709$14,472,316$553,596,784
93$1,229,087,741$49,611,302$14,672,012$608,411,757
94$1,354,160,583$51,748,148$14,869,416$668,753,335
95$1,491,981,590$53,980,434$15,064,169$735,182,560
96$1,643,850,783$56,312,547$15,255,890$808,317,583
97$1,811,200,777$58,749,076$15,444,176$888,839,485
98$1,995,610,302$61,294,827$15,628,602$977,498,689
99$2,198,819,111$63,954,831$15,808,718$1,075,122,029
100$2,422,744,400$66,734,358$15,984,050$1,182,620,537