Can I retire at age 35 with 4,700,000?

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 $4,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$388,122$384,664$381,291$377,999$374,785$361,056
2 years$192,139$188,561$185,093$181,730$178,469$164,791
3 years$126,821$123,227$119,767$116,436$113,228$100,030
4 years$94,168$90,585$87,160$83,886$80,755$68,138
5 years$74,581$71,019$67,640$64,432$61,389$49,385
6 years$61,527$57,993$54,663$51,527$48,575$37,194
7 years$52,207$48,702$45,425$42,363$39,504$28,743
8 years$45,220$41,747$38,524$35,538$32,773$22,622
9 years$39,788$36,348$33,181$30,270$27,599$18,044
10 years$35,446$32,039$28,928$26,093$23,516$14,541
11 years$31,895$28,522$25,468$22,709$20,225$11,809
12 years$28,938$25,600$22,602$19,919$17,526$9,650
13 years$26,438$23,135$20,193$17,585$15,283$7,925
14 years$24,297$21,029$18,144$15,610$13,397$6,534
15 years$22,443$19,211$16,381$13,922$11,796$5,404
16 years$20,823$17,625$14,852$12,465$10,425$4,481
17 years$19,394$16,232$13,515$11,200$9,244$3,723
18 years$18,126$14,999$12,337$10,093$8,219$3,099
19 years$16,993$13,901$11,294$9,120$7,326$2,584
20 years$15,974$12,918$10,365$8,260$6,544$2,156
21 years$15,053$12,032$9,534$7,497$5,856$1,802
22 years$14,217$11,232$8,787$6,816$5,249$1,506
23 years$13,455$10,505$8,113$6,208$4,712$1,260
24 years$12,758$9,842$7,503$5,662$4,235$1,055
25 years$12,117$9,237$6,950$5,171$3,811$884
26 years$11,527$8,681$6,445$4,728$3,433$741
27 years$10,981$8,170$5,985$4,327$3,095$621
28 years$10,475$7,698$5,564$3,965$2,793$520
29 years$10,005$7,262$5,178$3,636$2,522$436
30 years$9,567$6,859$4,823$3,337$2,278$366
31 years$9,158$6,484$4,496$3,065$2,060$307
32 years$8,776$6,135$4,195$2,816$1,863$258
33 years$8,417$5,810$3,917$2,590$1,686$216
34 years$8,080$5,506$3,660$2,383$1,527$181
35 years$7,763$5,223$3,422$2,194$1,383$152
36 years$7,465$4,957$3,201$2,020$1,253$128
37 years$7,183$4,708$2,996$1,861$1,136$107
38 years$6,917$4,474$2,806$1,716$1,030$90
39 years$6,664$4,255$2,629$1,582$934$76
40 years$6,426$4,048$2,464$1,459$847$63
41 years$6,199$3,853$2,310$1,346$768$53
42 years$5,984$3,670$2,167$1,242$697$45
43 years$5,779$3,497$2,033$1,147$633$38
44 years$5,584$3,333$1,909$1,059$574$32
45 years$5,399$3,178$1,792$978$521$26
46 years$5,222$3,032$1,683$903$473$22
47 years$5,053$2,893$1,581$835$430$19
48 years$4,891$2,762$1,486$771$390$16
49 years$4,737$2,638$1,397$713$355$13
50 years$4,589$2,520$1,313$659$322$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,700,000, adding $2,515 every year, while hoping to spend $31,387 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: 60/22/18 Blend
34$4,700,000$4,700,000$4,700,000$4,700,000
35$5,181,994$4,932,894$4,860,044$5,468,660
36$5,677,162$5,141,211$4,989,460$5,871,023
37$6,221,785$5,358,682$5,122,160$6,306,084
38$6,820,875$5,585,725$5,258,219$6,779,994
39$7,479,952$5,822,774$5,397,718$7,296,521
40$8,205,101$6,070,283$5,540,735$7,859,805
41$9,003,024$6,328,730$5,687,352$8,474,404
42$9,881,106$6,598,612$5,837,653$9,145,332
43$10,847,486$6,880,451$5,991,722$9,878,105
44$11,911,130$7,174,794$6,149,644$10,678,795
45$13,081,918$7,482,210$6,311,509$11,554,082
46$14,370,734$7,803,300$6,477,406$12,511,320
47$15,789,576$8,138,689$6,647,426$13,558,599
48$17,351,660$8,489,031$6,821,662$14,704,830
49$19,071,550$8,855,015$7,000,209$15,959,817
50$20,965,295$9,237,357$7,183,162$17,334,356
51$23,050,578$9,636,810$7,370,621$18,840,330
52$25,346,884$10,054,162$7,562,684$20,490,825
53$27,875,686$10,490,235$7,759,454$22,300,245
54$30,660,644$10,945,894$7,961,033$24,284,455
55$33,727,828$11,422,042$8,167,527$26,460,920
56$37,105,969$11,919,625$8,379,041$28,848,875
57$40,826,725$12,439,633$8,595,686$31,469,501
58$44,924,980$12,983,104$8,817,570$34,346,124
59$49,439,175$13,551,124$9,044,807$37,504,433
60$54,411,672$14,144,830$9,277,509$40,972,720
61$59,889,149$14,765,413$9,515,792$44,782,147
62$65,923,045$15,414,120$9,759,773$48,967,033
63$72,570,041$16,092,258$10,009,571$53,565,182
64$79,892,601$16,801,195$10,265,308$58,618,231
65$87,959,556$17,542,362$10,527,105$64,172,046
66$96,846,753$18,317,261$10,795,086$70,277,146
67$106,637,778$19,127,462$11,069,377$76,989,185
68$117,424,736$19,974,613$11,350,105$84,369,465
69$129,309,125$20,860,435$11,637,400$92,485,520
70$142,402,795$21,786,735$11,931,392$101,411,746
71$156,828,999$22,755,405$12,232,213$111,230,099
72$172,723,562$23,768,424$12,539,997$122,030,868
73$190,236,157$24,827,868$12,854,878$133,913,523
74$209,531,723$25,935,912$13,176,994$146,987,647
75$230,792,017$27,094,831$13,506,483$161,373,970
76$254,217,336$28,307,010$13,843,483$177,205,505
77$280,028,400$29,574,950$14,188,136$194,628,795
78$308,468,441$30,901,266$14,540,582$213,805,296
79$339,805,497$32,288,703$14,900,966$234,912,894
80$374,334,939$33,740,131$15,269,431$258,147,579
81$412,382,268$35,258,562$15,646,121$283,725,293
82$454,306,177$36,847,149$16,031,184$311,883,960
83$500,501,943$38,509,196$16,424,765$342,885,727
84$551,405,158$40,248,164$16,827,011$377,019,435
85$607,495,840$42,067,679$17,238,072$414,603,335
86$669,302,963$43,971,543$17,658,095$455,988,090
87$737,409,453$45,963,736$18,087,228$501,560,078
88$812,457,689$48,048,431$18,525,622$551,745,031
89$895,155,568$50,229,998$18,973,425$607,012,047
90$986,283,187$52,513,019$19,430,786$667,878,012
91$1,086,700,208$54,902,294$19,897,854$734,912,470
92$1,197,353,974$57,402,851$20,374,776$808,742,992
93$1,319,288,449$60,019,961$20,861,702$890,061,093
94$1,453,654,079$62,759,147$21,358,777$979,628,748
95$1,601,718,647$65,626,197$21,866,147$1,078,285,580
96$1,764,879,244$68,627,175$22,383,958$1,186,956,773
97$1,944,675,459$71,768,439$22,912,353$1,306,661,795
98$2,142,803,911$75,056,648$23,451,472$1,438,524,017
99$2,361,134,270$78,498,783$24,001,456$1,583,781,301
100$2,601,726,902$82,102,160$24,562,441$1,743,797,676