Can I retire at age 35 with 4,900,000?

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 $4,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$404,637$401,033$397,517$394,084$390,733$386,492
2 years$200,316$196,585$192,969$189,464$186,063$181,793
3 years$132,217$128,470$124,864$121,391$118,046$113,879
4 years$98,175$94,439$90,869$87,456$84,192$80,160
5 years$77,754$74,042$70,518$67,174$64,001$60,117
6 years$64,145$60,461$56,989$53,720$50,642$46,910
7 years$54,429$50,775$47,358$44,166$41,185$37,607
8 years$47,144$43,523$40,163$37,050$34,167$30,742
9 years$41,482$37,895$34,593$31,558$28,774$25,501
10 years$36,954$33,402$30,159$27,203$24,517$21,393
11 years$33,252$29,736$26,551$23,675$21,085$18,109
12 years$30,170$26,690$23,564$20,766$18,272$15,440
13 years$27,563$24,120$21,053$18,334$15,934$13,243
14 years$25,331$21,924$18,916$16,274$13,967$11,414
15 years$23,398$20,028$17,078$14,514$12,298$9,877
16 years$21,709$18,375$15,484$12,996$10,869$8,577
17 years$20,220$16,923$14,090$11,676$9,637$7,470
18 years$18,897$15,638$12,862$10,523$8,569$6,522
19 years$17,716$14,493$11,775$9,508$7,638$5,707
20 years$16,654$13,467$10,806$8,612$6,822$5,003
21 years$15,694$12,544$9,940$7,816$6,105$4,392
22 years$14,822$11,710$9,161$7,106$5,472$3,862
23 years$14,028$10,952$8,459$6,472$4,912$3,400
24 years$13,301$10,261$7,823$5,903$4,415$2,996
25 years$12,633$9,630$7,245$5,391$3,973$2,642
26 years$12,017$9,050$6,720$4,929$3,579$2,333
27 years$11,448$8,517$6,240$4,512$3,227$2,060
28 years$10,921$8,026$5,801$4,134$2,911$1,821
29 years$10,431$7,571$5,398$3,791$2,629$1,611
30 years$9,974$7,150$5,028$3,479$2,375$1,425
31 years$9,548$6,760$4,688$3,195$2,148$1,262
32 years$9,149$6,396$4,374$2,936$1,943$1,117
33 years$8,775$6,057$4,084$2,700$1,758$990
34 years$8,424$5,741$3,816$2,484$1,592$877
35 years$8,094$5,445$3,567$2,287$1,442$777
36 years$7,782$5,168$3,337$2,106$1,306$689
37 years$7,489$4,908$3,123$1,941$1,184$611
38 years$7,211$4,665$2,925$1,789$1,073$542
39 years$6,948$4,436$2,740$1,649$973$481
40 years$6,699$4,220$2,569$1,521$883$426
41 years$6,463$4,017$2,408$1,404$801$378
42 years$6,238$3,826$2,259$1,295$727$336
43 years$6,025$3,645$2,120$1,196$660$298
44 years$5,822$3,475$1,990$1,104$599$264
45 years$5,628$3,314$1,869$1,020$544$235
46 years$5,444$3,161$1,755$942$493$208
47 years$5,268$3,017$1,649$870$448$185
48 years$5,099$2,880$1,549$804$407$164
49 years$4,938$2,750$1,456$743$370$146
50 years$4,784$2,627$1,369$687$336$129

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,900,000, adding $4,298 every year, while hoping to spend $41,421 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: 73/21/6 Blend
34$4,900,000$4,900,000$4,900,000$4,900,000
35$5,404,233$5,144,533$5,068,583$5,794,697
36$5,911,394$5,352,544$5,194,309$6,260,514
37$6,468,896$5,569,359$5,322,859$6,764,857
38$7,081,831$5,795,365$5,454,283$7,315,999
39$7,755,809$6,030,969$5,588,632$7,918,548
40$8,497,009$6,276,594$5,725,959$8,577,570
41$9,312,240$6,532,683$5,866,314$9,298,644
42$10,209,003$6,799,699$6,009,750$10,087,911
43$11,195,564$7,078,127$6,156,320$10,952,128
44$12,281,029$7,368,473$6,306,074$11,898,738
45$13,475,432$7,671,267$6,459,066$12,935,931
46$14,789,830$7,987,062$6,615,348$14,072,728
47$16,236,402$8,316,438$6,774,972$15,319,059
48$17,828,573$8,660,001$6,937,991$16,685,858
49$19,581,131$9,018,384$7,104,457$18,185,166
50$21,510,372$9,392,251$7,274,422$19,830,242
51$23,634,252$9,782,294$7,447,938$21,635,687
52$25,972,558$10,189,238$7,625,056$23,617,581
53$28,547,090$10,613,842$7,805,827$25,793,633
54$31,381,873$11,056,900$7,990,302$28,183,347
55$34,503,378$11,519,242$8,178,530$30,808,205
56$37,940,774$12,001,736$8,370,562$33,691,865
57$41,726,202$12,505,290$8,566,445$36,860,390
58$45,895,081$13,030,857$8,766,228$40,342,483
59$50,486,440$13,579,429$8,969,957$44,169,764
60$55,543,284$14,152,048$9,177,678$48,377,062
61$61,113,004$14,749,803$9,389,435$53,002,743
62$67,247,821$15,373,834$9,605,272$58,089,071
63$74,005,280$16,025,333$9,825,229$63,682,604
64$81,448,792$16,705,548$10,049,348$69,834,633
65$89,648,234$17,415,786$10,277,667$76,601,659
66$98,680,607$18,157,412$10,510,222$84,045,932
67$108,630,762$18,931,858$10,747,047$92,236,027
68$119,592,202$19,740,621$10,988,175$101,247,497
69$131,667,963$20,585,268$11,233,636$111,163,577
70$144,971,589$21,467,440$11,483,456$122,075,972
71$159,628,200$22,388,853$11,737,660$134,085,716
72$175,775,674$23,351,305$11,996,270$147,304,125
73$193,565,951$24,356,677$12,259,303$161,853,843
74$213,166,462$25,406,939$12,526,774$177,869,998
75$234,761,715$26,504,152$12,798,695$195,501,473
76$258,555,030$27,650,475$13,075,071$214,912,308
77$284,770,463$28,848,169$13,355,905$236,283,246
78$313,654,919$30,099,597$13,641,197$259,813,433
79$345,480,482$31,407,239$13,930,939$285,722,296
80$380,546,985$32,773,688$14,225,119$314,251,609
81$419,184,837$34,201,658$14,523,720$345,667,771
82$461,758,144$35,693,994$14,826,719$380,264,316
83$508,668,148$37,253,672$15,134,087$418,364,681
84$560,357,008$38,883,811$15,445,788$460,325,250
85$617,311,980$40,587,675$15,761,779$506,538,720
86$680,070,014$42,368,683$16,082,011$557,437,794
87$749,222,822$44,230,415$16,406,424$613,499,268
88$825,422,465$46,176,621$16,734,955$675,248,520
89$909,387,508$48,211,226$17,067,527$743,264,468
90$1,001,909,801$50,338,344$17,404,056$818,185,026
91$1,103,861,958$52,562,280$17,744,450$900,713,120
92$1,216,205,592$54,887,546$18,088,603$991,623,317
93$1,340,000,393$57,318,866$18,436,401$1,091,769,129
94$1,476,414,131$59,861,188$18,787,719$1,202,091,063
95$1,626,733,681$62,519,696$19,142,417$1,323,625,494
96$1,792,377,173$65,299,818$19,500,344$1,457,514,437
97$1,974,907,376$68,207,240$19,861,337$1,605,016,320
98$2,176,046,454$71,247,920$20,225,217$1,767,517,856
99$2,397,692,220$74,428,096$20,591,790$1,946,547,126
100$2,641,936,060$77,754,306$20,960,848$2,143,787,991