Can I retire at age 35 with 7,300,000?

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 $7,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$602,827$597,458$592,219$587,105$582,112$575,315
2 years$298,429$292,871$287,485$282,262$277,196$270,355
3 years$196,977$191,395$186,022$180,848$175,865$169,191
4 years$146,260$140,695$135,376$130,291$125,428$118,974
5 years$115,838$110,307$105,057$100,076$95,349$89,133
6 years$95,564$90,074$84,902$80,031$75,446$69,476
7 years$81,087$75,644$70,554$65,798$61,358$55,636
8 years$70,235$64,841$59,835$55,197$50,902$45,428
9 years$61,799$56,456$51,536$47,015$42,867$37,638
10 years$55,054$49,763$44,930$40,528$36,525$31,538
11 years$49,539$44,301$39,556$35,271$31,413$26,664
12 years$44,947$39,762$35,105$30,938$27,221$22,705
13 years$41,064$35,933$31,364$27,313$23,738$19,448
14 years$37,738$32,662$28,181$24,246$20,808$16,740
15 years$34,859$29,838$25,443$21,623$18,321$14,467
16 years$32,342$27,376$23,068$19,361$16,192$12,546
17 years$30,123$25,212$20,991$17,396$14,357$10,911
18 years$28,153$23,297$19,162$15,677$12,766$9,513
19 years$26,393$21,591$17,542$14,165$11,378$8,312
20 years$24,810$20,064$16,099$12,830$10,163$7,275
21 years$23,381$18,689$14,808$11,644$9,095$6,378
22 years$22,082$17,445$13,648$10,587$8,153$5,599
23 years$20,899$16,316$12,602$9,642$7,318$4,922
24 years$19,816$15,287$11,654$8,794$6,578$4,330
25 years$18,821$14,346$10,794$8,031$5,919$3,813
26 years$17,904$13,483$10,011$7,343$5,332$3,361
27 years$17,056$12,689$9,296$6,721$4,807$2,964
28 years$16,270$11,957$8,642$6,158$4,337$2,616
29 years$15,540$11,280$8,042$5,647$3,916$2,310
30 years$14,860$10,653$7,491$5,183$3,539$2,040
31 years$14,225$10,070$6,984$4,760$3,199$1,803
32 years$13,630$9,529$6,516$4,374$2,894$1,594
33 years$13,073$9,024$6,084$4,023$2,619$1,410
34 years$12,550$8,552$5,684$3,701$2,371$1,247
35 years$12,058$8,112$5,314$3,407$2,148$1,103
36 years$11,594$7,699$4,972$3,138$1,946$977
37 years$11,156$7,313$4,653$2,891$1,764$864
38 years$10,743$6,950$4,358$2,665$1,599$765
39 years$10,351$6,608$4,083$2,457$1,450$678
40 years$9,980$6,287$3,827$2,266$1,315$600
41 years$9,628$5,985$3,588$2,091$1,193$532
42 years$9,294$5,700$3,366$1,930$1,083$471
43 years$8,976$5,431$3,158$1,781$983$417
44 years$8,673$5,177$2,965$1,645$892$370
45 years$8,385$4,936$2,784$1,519$810$327
46 years$8,110$4,709$2,615$1,403$735$290
47 years$7,848$4,494$2,456$1,296$668$257
48 years$7,597$4,290$2,308$1,198$606$228
49 years$7,357$4,097$2,170$1,107$551$202
50 years$7,127$3,913$2,040$1,023$500$179

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $7,300,000, adding $3,789 every year, while hoping to spend $30,996 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: 59/15/26 Blend
34$7,300,000$7,300,000$7,300,000$7,300,000
35$8,048,508$7,661,608$7,548,458$8,466,582
36$8,836,477$8,004,048$7,768,352$9,094,686
37$9,703,779$8,362,228$7,994,574$9,775,815
38$10,658,474$8,736,887$8,227,302$10,518,110
39$11,709,444$9,128,799$8,466,721$11,327,515
40$12,866,471$9,538,775$8,713,021$12,210,571
41$14,140,340$9,967,663$8,966,396$13,174,474
42$15,542,930$10,416,354$9,227,045$14,227,144
43$17,087,333$10,885,780$9,495,175$15,377,292
44$18,787,974$11,376,916$9,770,997$16,634,510
45$20,660,750$11,890,787$10,054,728$18,009,351
46$22,723,175$12,428,464$10,346,590$19,513,433
47$24,994,551$12,991,071$10,646,812$21,159,543
48$27,496,146$13,579,784$10,955,631$22,961,759
49$30,251,396$14,195,837$11,273,288$24,935,576
50$33,286,127$14,840,522$11,600,032$27,098,056
51$36,628,797$15,515,193$11,936,119$29,467,985
52$40,310,765$16,221,268$12,281,809$32,066,045
53$44,366,588$16,960,234$12,637,375$34,915,010
54$48,834,344$17,733,650$13,003,091$38,039,959
55$53,755,996$18,543,148$13,379,244$41,468,507
56$59,177,784$19,390,439$13,766,124$45,231,068
57$65,150,663$20,277,315$14,164,034$49,361,134
58$71,730,782$21,205,655$14,573,281$53,895,591
59$78,980,019$22,177,429$14,994,183$58,875,065
60$86,966,558$23,194,700$15,427,065$64,344,302
61$95,765,536$24,259,630$15,872,261$70,352,584
62$105,459,755$25,374,486$16,330,116$76,954,196
63$116,140,457$26,541,643$16,800,982$84,208,931
64$127,908,191$27,763,590$17,285,222$92,182,653
65$140,873,758$29,042,938$17,783,209$100,947,913
66$155,159,259$30,382,420$18,295,324$110,584,633
67$170,899,248$31,784,902$18,821,961$121,180,853
68$188,241,998$33,253,389$19,363,524$132,833,559
69$207,350,906$34,791,029$19,920,426$145,649,595
70$228,406,031$36,401,123$20,493,093$159,746,666
71$251,605,797$38,087,129$21,081,963$175,254,446
72$277,168,864$39,852,674$21,687,484$192,315,793
73$305,336,190$41,701,557$22,310,117$211,088,097
74$336,373,311$43,637,763$22,950,336$231,744,757
75$370,572,843$45,665,467$23,608,626$254,476,814
76$408,257,244$47,789,046$24,285,486$279,494,748
77$449,781,863$50,013,089$24,981,429$307,030,458
78$495,538,287$52,342,405$25,696,982$337,339,447
79$545,958,045$54,782,036$26,432,683$370,703,223
80$601,516,677$57,337,266$27,189,089$407,431,954
81$662,738,222$60,013,636$27,966,768$447,867,385
82$730,200,171$62,816,955$28,766,305$492,386,060
83$804,538,912$65,753,309$29,588,299$541,402,866
84$886,455,741$68,829,082$30,433,368$595,374,942
85$976,723,484$72,050,964$31,302,143$654,805,985
86$1,076,193,788$75,425,970$32,195,274$720,251,000
87$1,185,805,165$78,961,453$33,113,426$792,321,524
88$1,306,591,851$82,665,123$34,057,284$871,691,393
89$1,439,693,567$86,545,061$35,027,551$959,103,092
90$1,586,366,282$90,609,741$36,024,945$1,055,374,756
91$1,747,994,070$94,868,045$37,050,208$1,161,407,876
92$1,926,102,172$99,329,286$38,104,097$1,278,195,805
93$2,122,371,401$104,003,229$39,187,391$1,406,833,119
94$2,338,654,006$108,900,109$40,300,891$1,548,525,939
95$2,576,991,159$114,030,659$41,445,415$1,704,603,305
96$2,839,632,227$119,406,131$42,621,806$1,876,529,707
97$3,129,056,005$125,038,322$43,830,928$2,065,918,896
98$3,447,994,119$130,939,601$45,073,665$2,274,549,107
99$3,799,456,814$137,122,936$46,350,928$2,504,379,824
100$4,186,761,374$143,601,925$47,663,649$2,757,570,272