Can I retire at age 35 with 3,200,000?

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 $3,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$264,253$261,899$259,603$257,361$255,172$246,217
2 years$130,818$128,382$126,021$123,731$121,511$112,582
3 years$86,346$83,899$81,544$79,276$77,091$68,470
4 years$64,114$61,675$59,343$57,114$54,982$46,734
5 years$50,778$48,354$46,053$43,869$41,797$33,944
6 years$41,891$39,484$37,217$35,082$33,072$25,621
7 years$35,545$33,159$30,928$28,843$26,897$19,845
8 years$30,788$28,423$26,229$24,196$22,313$15,655
9 years$27,090$24,748$22,591$20,609$18,791$12,518
10 years$24,133$21,814$19,696$17,766$16,011$10,113
11 years$21,716$19,420$17,340$15,461$13,770$8,235
12 years$19,703$17,430$15,388$13,562$11,933$6,748
13 years$18,000$15,752$13,749$11,973$10,406$5,556
14 years$16,543$14,318$12,353$10,628$9,121$4,594
15 years$15,281$13,080$11,153$9,478$8,031$3,810
16 years$14,177$12,000$10,112$8,487$7,098$3,168
17 years$13,205$11,052$9,202$7,625$6,294$2,641
18 years$12,341$10,212$8,400$6,872$5,596$2,205
19 years$11,569$9,465$7,690$6,210$4,988$1,844
20 years$10,876$8,795$7,057$5,624$4,455$1,543
21 years$10,249$8,192$6,491$5,104$3,987$1,293
22 years$9,680$7,647$5,983$4,641$3,574$1,085
23 years$9,161$7,152$5,524$4,226$3,208$911
24 years$8,686$6,701$5,109$3,855$2,883$765
25 years$8,250$6,289$4,732$3,520$2,595$643
26 years$7,848$5,910$4,388$3,219$2,337$540
27 years$7,477$5,562$4,075$2,946$2,107$454
28 years$7,132$5,241$3,788$2,699$1,901$382
29 years$6,812$4,945$3,525$2,475$1,717$321
30 years$6,514$4,670$3,284$2,272$1,551$271
31 years$6,235$4,414$3,061$2,087$1,402$228
32 years$5,975$4,177$2,856$1,918$1,269$192
33 years$5,731$3,956$2,667$1,763$1,148$161
34 years$5,501$3,749$2,492$1,622$1,039$136
35 years$5,286$3,556$2,330$1,494$942$114
36 years$5,082$3,375$2,179$1,376$853$96
37 years$4,890$3,206$2,040$1,267$773$81
38 years$4,709$3,046$1,910$1,168$701$68
39 years$4,538$2,897$1,790$1,077$636$58
40 years$4,375$2,756$1,677$993$577$48
41 years$4,221$2,624$1,573$917$523$41
42 years$4,074$2,499$1,475$846$475$34
43 years$3,935$2,381$1,384$781$431$29
44 years$3,802$2,269$1,300$721$391$24
45 years$3,676$2,164$1,220$666$355$21
46 years$3,555$2,064$1,146$615$322$17
47 years$3,440$1,970$1,077$568$293$15
48 years$3,330$1,881$1,012$525$266$12
49 years$3,225$1,796$951$485$241$10
50 years$3,124$1,715$894$449$219$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,200,000, adding $4,906 every year, while hoping to spend $29,512 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: 64/6/30 Blend
34$3,200,000$3,200,000$3,200,000$3,200,000
35$3,531,461$3,361,861$3,312,261$3,728,834
36$3,860,269$3,495,191$3,391,821$3,996,650
37$4,221,627$3,634,066$3,473,057$4,285,514
38$4,618,823$3,778,725$3,555,995$4,600,547
39$5,055,480$3,929,420$3,640,658$4,944,330
40$5,535,591$4,086,414$3,727,072$5,319,702
41$6,063,554$4,249,981$3,815,261$5,729,789
42$6,644,214$4,420,407$3,905,250$6,178,035
43$7,282,910$4,597,993$3,997,062$6,668,231
44$7,985,523$4,783,051$4,090,720$7,204,553
45$8,758,536$4,975,910$4,186,249$7,791,599
46$9,609,088$5,176,912$4,283,670$8,434,436
47$10,545,048$5,386,413$4,383,006$9,138,640
48$11,575,085$5,604,789$4,484,278$9,910,357
49$12,708,750$5,832,430$4,587,508$10,756,355
50$13,956,569$6,069,746$4,692,716$11,684,089
51$15,330,138$6,317,163$4,799,921$12,701,771
52$16,842,237$6,575,128$4,909,143$13,818,448
53$18,506,945$6,844,109$5,020,399$15,044,085
54$20,339,777$7,124,594$5,133,706$16,389,660
55$22,357,829$7,417,094$5,249,080$17,867,270
56$24,579,940$7,722,144$5,366,537$19,490,237
57$27,026,867$8,040,302$5,486,089$21,273,241
58$29,721,483$8,372,153$5,607,749$23,232,456
59$32,688,994$8,718,308$5,731,527$25,385,699
60$35,957,172$9,079,405$5,857,434$27,752,603
61$39,556,621$9,456,114$5,985,476$30,354,795
62$43,521,067$9,849,134$6,115,660$33,216,108
63$47,887,671$10,259,197$6,247,990$36,362,798
64$52,697,384$10,687,068$6,382,467$39,823,796
65$57,995,330$11,133,547$6,519,093$43,630,978
66$63,831,235$11,599,472$6,657,864$47,819,467
67$70,259,894$12,085,720$6,798,776$52,427,962
68$77,341,690$12,593,207$6,941,822$57,499,106
69$85,143,161$13,122,892$7,086,991$63,079,884
70$93,737,628$13,675,779$7,234,270$69,222,068
71$103,205,893$14,252,919$7,383,645$75,982,707
72$113,636,991$14,855,409$7,535,094$83,424,659
73$125,129,041$15,484,401$7,688,597$91,617,191
74$137,790,164$16,141,097$7,844,125$100,636,625
75$151,739,507$16,826,757$8,001,650$110,567,065
76$167,108,368$17,542,699$8,161,136$121,501,185
77$184,041,432$18,290,303$8,322,545$133,541,103
78$202,698,141$19,071,011$8,485,833$146,799,349
79$223,254,196$19,886,335$8,650,953$161,399,920
80$245,903,216$20,737,856$8,817,851$177,479,455
81$270,858,563$21,627,231$8,986,469$195,188,523
82$298,355,362$22,556,191$9,156,742$214,693,040
83$328,652,716$23,526,551$9,328,599$236,175,839
84$362,036,150$24,540,209$9,501,964$259,838,391
85$398,820,312$25,599,154$9,676,754$285,902,712
86$439,351,937$26,705,465$9,852,879$314,613,449
87$484,013,124$27,861,323$10,030,240$346,240,197
88$533,224,942$29,069,007$10,208,733$381,080,037
89$587,451,404$30,330,906$10,388,243$419,460,346
90$647,203,847$31,649,520$10,568,648$461,741,877
91$713,045,759$33,027,466$10,749,818$508,322,174
92$785,598,101$34,467,486$10,931,611$559,639,316
93$865,545,164$35,972,450$11,113,877$616,176,054
94$953,641,033$37,545,363$11,296,455$678,464,370
95$1,050,716,705$39,189,372$11,479,172$747,090,493
96$1,157,687,930$40,907,772$11,661,845$822,700,435
97$1,275,563,861$42,704,015$11,844,279$906,006,088
98$1,405,456,577$44,581,714$12,026,265$997,791,943
99$1,548,591,584$46,544,654$12,207,581$1,098,922,495
100$1,706,319,382$48,596,799$12,387,992$1,210,350,401