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%16.4%
1 years$404,637$401,033$397,517$394,084$390,733$380,515
2 years$200,316$196,585$192,969$189,464$186,063$175,839
3 years$132,217$128,470$124,864$121,391$118,046$108,135
4 years$98,175$94,439$90,869$87,456$84,192$74,669
5 years$77,754$74,042$70,518$67,174$64,001$54,895
6 years$64,145$60,461$56,989$53,720$50,642$41,960
7 years$54,429$50,775$47,358$44,166$41,185$32,929
8 years$47,144$43,523$40,163$37,050$34,167$26,332
9 years$41,482$37,895$34,593$31,558$28,774$21,352
10 years$36,954$33,402$30,159$27,203$24,517$17,500
11 years$33,252$29,736$26,551$23,675$21,085$14,463
12 years$30,170$26,690$23,564$20,766$18,272$12,032
13 years$27,563$24,120$21,053$18,334$15,934$10,064
14 years$25,331$21,924$18,916$16,274$13,967$8,454
15 years$23,398$20,028$17,078$14,514$12,298$7,127
16 years$21,709$18,375$15,484$12,996$10,869$6,026
17 years$20,220$16,923$14,090$11,676$9,637$5,107
18 years$18,897$15,638$12,862$10,523$8,569$4,338
19 years$17,716$14,493$11,775$9,508$7,638$3,690
20 years$16,654$13,467$10,806$8,612$6,822$3,144
21 years$15,694$12,544$9,940$7,816$6,105$2,682
22 years$14,822$11,710$9,161$7,106$5,472$2,290
23 years$14,028$10,952$8,459$6,472$4,912$1,958
24 years$13,301$10,261$7,823$5,903$4,415$1,674
25 years$12,633$9,630$7,245$5,391$3,973$1,433
26 years$12,017$9,050$6,720$4,929$3,579$1,227
27 years$11,448$8,517$6,240$4,512$3,227$1,051
28 years$10,921$8,026$5,801$4,134$2,911$901
29 years$10,431$7,571$5,398$3,791$2,629$773
30 years$9,974$7,150$5,028$3,479$2,375$663
31 years$9,548$6,760$4,688$3,195$2,148$568
32 years$9,149$6,396$4,374$2,936$1,943$488
33 years$8,775$6,057$4,084$2,700$1,758$418
34 years$8,424$5,741$3,816$2,484$1,592$359
35 years$8,094$5,445$3,567$2,287$1,442$308
36 years$7,782$5,168$3,337$2,106$1,306$265
37 years$7,489$4,908$3,123$1,941$1,184$227
38 years$7,211$4,665$2,925$1,789$1,073$195
39 years$6,948$4,436$2,740$1,649$973$168
40 years$6,699$4,220$2,569$1,521$883$144
41 years$6,463$4,017$2,408$1,404$801$124
42 years$6,238$3,826$2,259$1,295$727$106
43 years$6,025$3,645$2,120$1,196$660$91
44 years$5,822$3,475$1,990$1,104$599$78
45 years$5,628$3,314$1,869$1,020$544$67
46 years$5,444$3,161$1,755$942$493$58
47 years$5,268$3,017$1,649$870$448$50
48 years$5,099$2,880$1,549$804$407$43
49 years$4,938$2,750$1,456$743$370$37
50 years$4,784$2,627$1,369$687$336$31

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 $3,444 every year, while hoping to spend $54,632 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: 49/44/7 Blend
34$4,900,000$4,900,000$4,900,000$4,900,000
35$5,403,352$5,143,652$5,067,702$5,658,167
36$5,896,366$5,337,563$5,179,342$6,026,520
37$6,437,837$5,539,145$5,292,891$6,420,295
38$7,032,648$5,748,715$5,408,356$6,846,704
39$7,686,182$5,966,606$5,525,739$7,308,805
40$8,404,368$6,193,165$5,645,046$7,809,960
41$9,193,735$6,428,751$5,766,277$8,353,864
42$10,061,479$6,673,743$5,889,430$8,944,574
43$11,015,528$6,928,535$6,014,504$9,586,555
44$12,064,614$7,193,536$6,141,493$10,284,709
45$13,218,361$7,469,175$6,270,389$11,044,432
46$14,487,370$7,755,901$6,401,183$11,871,653
47$15,883,320$8,054,179$6,533,861$12,772,895
48$17,419,082$8,364,497$6,668,409$13,755,330
49$19,108,836$8,687,364$6,804,808$14,826,850
50$20,968,203$9,023,311$6,943,035$15,996,134
51$23,014,400$9,372,893$7,083,067$17,272,731
52$25,266,393$9,736,689$7,224,874$18,667,151
53$27,745,082$10,115,304$7,368,424$20,190,954
54$30,473,494$10,509,368$7,513,680$21,856,864
55$33,477,005$10,919,541$7,660,603$23,678,885
56$36,783,574$11,346,513$7,809,147$25,672,429
57$40,424,007$11,791,001$7,959,263$27,854,460
58$44,432,253$12,253,757$8,110,895$30,243,652
59$48,845,717$12,735,566$8,263,985$32,860,561
60$53,705,619$13,237,246$8,418,466$35,727,818
61$59,057,375$13,759,655$8,574,268$38,870,339
62$64,951,035$14,303,686$8,731,314$42,315,555
63$71,441,747$14,870,273$8,889,519$46,093,672
64$78,590,282$15,460,392$9,048,794$50,237,949
65$86,463,603$16,075,064$9,209,042$54,785,008
66$95,135,502$16,715,354$9,370,156$59,775,181
67$104,687,293$17,382,376$9,532,026$65,252,881
68$115,208,577$18,077,293$9,694,529$71,267,020
69$126,798,092$18,801,320$9,857,536$77,871,466
70$139,564,642$19,555,730$10,020,908$85,125,549
71$153,628,125$20,341,850$10,184,498$93,094,613
72$169,120,661$21,161,068$10,348,146$101,850,631
73$186,187,844$22,014,835$10,511,684$111,472,877
74$204,990,110$22,904,669$10,674,932$122,048,673
75$225,704,258$23,832,154$10,837,699$133,674,204
76$248,525,112$24,798,949$10,999,781$146,455,421
77$273,667,361$25,806,786$11,160,962$160,509,039
78$301,367,590$26,857,476$11,321,012$175,963,626
79$331,886,506$27,952,914$11,479,688$192,960,818
80$365,511,403$29,095,080$11,636,731$211,656,643
81$402,558,873$30,286,046$11,791,868$232,222,990
82$443,377,792$31,527,976$11,944,809$254,849,226
83$488,352,614$32,823,135$12,095,248$279,743,971
84$537,907,003$34,173,890$12,242,861$307,137,065
85$592,507,826$35,582,719$12,387,305$337,281,726
86$652,669,563$37,052,211$12,528,219$370,456,932
87$718,959,164$38,585,076$12,665,220$406,970,049
88$792,001,400$40,184,146$12,797,906$447,159,720
89$872,484,759$41,852,385$12,925,852$491,399,051
90$961,167,946$43,592,893$13,048,609$540,099,128
91$1,058,887,044$45,408,913$13,165,706$593,712,882
92$1,166,563,410$47,303,837$13,276,644$652,739,358
93$1,285,212,366$49,281,213$13,380,900$717,728,410
94$1,415,952,790$51,344,755$13,477,923$789,285,884
95$1,560,017,673$53,498,346$13,567,131$868,079,322
96$1,718,765,761$55,746,051$13,647,916$954,844,253
97$1,893,694,383$58,092,122$13,719,635$1,050,391,121
98$2,086,453,581$60,541,007$13,781,614$1,155,612,921
99$2,298,861,692$63,097,362$13,833,144$1,271,493,618
100$2,532,922,510$65,766,058$13,873,480$1,399,117,415