Can I retire at age 35 with 3,300,000?

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 $3,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$272,511$270,084$267,715$265,404$263,147$258,894
2 years$134,906$132,394$129,959$127,598$125,308$121,035
3 years$89,044$86,521$84,092$81,753$79,500$75,340
4 years$66,118$63,602$61,197$58,899$56,700$52,685
5 years$52,365$49,865$47,492$45,240$43,103$39,244
6 years$43,200$40,718$38,380$36,179$34,106$30,408
7 years$36,656$34,195$31,894$29,744$27,737$24,201
8 years$31,750$29,312$27,049$24,952$23,011$19,636
9 years$27,937$25,521$23,297$21,253$19,378$16,164
10 years$24,887$22,496$20,311$18,321$16,511$13,454
11 years$22,394$20,026$17,881$15,944$14,200$11,296
12 years$20,318$17,975$15,869$13,985$12,306$9,552
13 years$18,563$16,244$14,178$12,347$10,731$8,123
14 years$17,060$14,765$12,739$10,960$9,406$6,941
15 years$15,758$13,488$11,502$9,775$8,282$5,953
16 years$14,620$12,375$10,428$8,752$7,320$5,123
17 years$13,617$11,397$9,489$7,864$6,490$4,421
18 years$12,727$10,531$8,662$7,087$5,771$3,824
19 years$11,931$9,760$7,930$6,404$5,144$3,315
20 years$11,216$9,070$7,278$5,800$4,594$2,878
21 years$10,569$8,448$6,694$5,264$4,112$2,502
22 years$9,982$7,886$6,170$4,786$3,685$2,178
23 years$9,447$7,376$5,697$4,359$3,308$1,899
24 years$8,958$6,911$5,268$3,975$2,973$1,656
25 years$8,508$6,485$4,880$3,630$2,676$1,446
26 years$8,093$6,095$4,526$3,319$2,410$1,263
27 years$7,710$5,736$4,202$3,038$2,173$1,104
28 years$7,355$5,405$3,907$2,784$1,961$966
29 years$7,025$5,099$3,635$2,553$1,770$845
30 years$6,717$4,816$3,386$2,343$1,600$740
31 years$6,430$4,552$3,157$2,152$1,446$648
32 years$6,162$4,307$2,945$1,977$1,308$568
33 years$5,910$4,079$2,750$1,818$1,184$498
34 years$5,673$3,866$2,570$1,673$1,072$436
35 years$5,451$3,667$2,402$1,540$971$382
36 years$5,241$3,481$2,247$1,418$880$335
37 years$5,043$3,306$2,104$1,307$797$294
38 years$4,856$3,142$1,970$1,205$723$258
39 years$4,679$2,987$1,846$1,111$655$226
40 years$4,512$2,842$1,730$1,025$595$198
41 years$4,353$2,706$1,622$945$539$174
42 years$4,201$2,577$1,522$872$489$153
43 years$4,058$2,455$1,428$805$444$134
44 years$3,921$2,340$1,340$744$403$118
45 years$3,791$2,232$1,258$687$366$103
46 years$3,666$2,129$1,182$634$332$91
47 years$3,548$2,032$1,110$586$302$80
48 years$3,434$1,939$1,043$541$274$70
49 years$3,326$1,852$981$500$249$61
50 years$3,222$1,769$922$463$226$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,300,000, adding $5,845 every year, while hoping to spend $46,714 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: 58/33/9 Blend
34$3,300,000$3,300,000$3,300,000$3,300,000
35$3,642,629$3,467,729$3,416,579$3,845,967
36$3,964,474$3,587,945$3,481,331$4,103,682
37$4,317,581$3,712,485$3,546,687$4,378,688
38$4,705,091$3,841,513$3,612,617$4,677,293
39$5,130,460$3,975,197$3,679,090$5,001,763
40$5,597,499$4,113,713$3,746,071$5,354,591
41$6,110,403$4,257,245$3,813,524$5,738,518
42$6,673,795$4,405,981$3,881,408$6,156,561
43$7,292,768$4,560,119$3,949,681$6,612,040
44$7,972,930$4,719,865$4,018,295$7,108,606
45$8,720,463$4,885,432$4,087,201$7,650,280
46$9,542,173$5,057,042$4,156,346$8,241,484
47$10,445,564$5,234,926$4,225,672$8,887,089
48$11,438,898$5,419,324$4,295,119$9,592,453
49$12,531,281$5,610,485$4,364,620$10,363,478
50$13,732,743$5,808,671$4,434,107$11,206,657
51$15,054,338$6,014,151$4,503,505$12,129,143
52$16,508,242$6,227,206$4,572,734$13,138,809
53$18,107,873$6,448,129$4,641,711$14,244,323
54$19,868,013$6,677,225$4,710,346$15,455,233
55$21,804,952$6,914,811$4,778,544$16,782,049
56$23,936,637$7,161,216$4,846,204$18,236,349
57$26,282,841$7,416,783$4,913,220$19,830,881
58$28,865,356$7,681,870$4,979,477$21,579,684
59$31,708,190$7,956,849$5,044,857$23,498,223
60$34,837,797$8,242,107$5,109,232$25,603,529
61$38,283,329$8,538,047$5,172,468$27,914,361
62$42,076,905$8,845,088$5,234,422$30,451,380
63$46,253,920$9,163,667$5,294,946$33,237,348
64$50,853,373$9,494,240$5,353,879$36,297,334
65$55,918,239$9,837,280$5,411,056$39,658,954
66$61,495,872$10,193,280$5,466,300$43,352,631
67$67,638,455$10,562,754$5,519,424$47,411,877
68$74,403,486$10,946,238$5,570,234$51,873,612
69$81,854,326$11,344,288$5,618,521$56,778,506
70$90,060,795$11,757,486$5,664,070$62,171,368
71$99,099,830$12,186,436$5,706,649$68,101,560
72$109,056,210$12,631,769$5,746,020$74,623,466
73$120,023,360$13,094,142$5,781,928$81,797,003
74$132,104,226$13,574,239$5,814,106$89,688,185
75$145,412,253$14,072,773$5,842,275$98,369,739
76$160,072,451$14,590,486$5,866,139$107,921,799
77$176,222,575$15,128,155$5,885,389$118,432,652
78$194,014,429$15,686,585$5,899,700$129,999,573
79$213,615,291$16,266,619$5,908,731$142,729,742
80$235,209,501$16,869,133$5,912,123$156,741,251
81$259,000,192$17,495,042$5,909,501$172,164,215
82$285,211,211$18,145,299$5,900,469$189,142,005
83$314,089,234$18,820,898$5,884,615$207,832,591
84$345,906,090$19,522,876$5,861,503$228,410,033
85$380,961,327$20,252,313$5,830,679$251,066,124
86$419,585,042$21,010,335$5,791,666$276,012,194
87$462,140,994$21,798,120$5,743,965$303,481,106
88$509,030,039$22,616,891$5,687,052$333,729,444
89$560,693,913$23,467,929$5,620,377$367,039,943
90$617,619,400$24,352,565$5,543,368$403,724,144
91$680,342,930$25,272,192$5,455,422$444,125,337
92$749,455,640$26,228,261$5,355,910$488,621,798
93$825,608,955$27,222,286$5,244,173$537,630,356
94$909,520,737$28,255,846$5,119,522$591,610,322
95$1,001,982,060$29,330,591$4,981,234$651,067,824
96$1,103,864,680$30,448,239$4,828,554$716,560,579
97$1,216,129,261$31,610,587$4,660,695$788,703,154
98$1,339,834,447$32,819,506$4,476,829$868,172,763
99$1,476,146,851$34,076,953$4,276,093$955,715,657
100$1,626,352,073$35,384,967$4,057,586$1,052,154,163