Can I retire at age 35 with 3,500,000?

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 $3,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$289,027$286,452$283,940$281,489$279,095$268,233
2 years$143,083$140,418$137,835$135,331$132,902$122,091
3 years$94,441$91,765$89,188$86,708$84,319$73,897
4 years$70,125$67,457$64,906$62,468$60,137$50,185
5 years$55,539$52,887$50,370$47,982$45,715$36,258
6 years$45,818$43,186$40,706$38,371$36,173$27,217
7 years$38,878$36,268$33,827$31,547$29,418$20,961
8 years$33,674$31,088$28,688$26,464$24,405$16,438
9 years$29,630$27,068$24,709$22,542$20,553$13,064
10 years$26,396$23,859$21,542$19,431$17,512$10,487
11 years$23,752$21,240$18,965$16,911$15,061$8,484
12 years$21,550$19,064$16,831$14,833$13,051$6,905
13 years$19,688$17,228$15,038$13,095$11,381$5,647
14 years$18,094$15,660$13,511$11,625$9,977$4,636
15 years$16,713$14,306$12,199$10,367$8,784$3,818
16 years$15,506$13,125$11,060$9,283$7,763$3,152
17 years$14,443$12,088$10,064$8,340$6,884$2,608
18 years$13,498$11,170$9,187$7,516$6,121$2,161
19 years$12,654$10,352$8,411$6,792$5,455$1,793
20 years$11,895$9,620$7,719$6,151$4,873$1,490
21 years$11,210$8,960$7,100$5,583$4,361$1,239
22 years$10,587$8,364$6,544$5,076$3,909$1,031
23 years$10,020$7,823$6,042$4,623$3,509$859
24 years$9,501$7,329$5,588$4,216$3,154$715
25 years$9,024$6,878$5,175$3,850$2,838$596
26 years$8,584$6,464$4,800$3,521$2,556$497
27 years$8,177$6,084$4,457$3,223$2,305$415
28 years$7,801$5,733$4,143$2,953$2,080$346
29 years$7,451$5,408$3,856$2,708$1,878$289
30 years$7,124$5,107$3,592$2,485$1,697$241
31 years$6,820$4,828$3,348$2,282$1,534$201
32 years$6,535$4,569$3,124$2,097$1,388$168
33 years$6,268$4,326$2,917$1,929$1,256$140
34 years$6,017$4,100$2,725$1,775$1,137$117
35 years$5,781$3,889$2,548$1,634$1,030$98
36 years$5,559$3,691$2,384$1,504$933$82
37 years$5,349$3,506$2,231$1,386$846$68
38 years$5,151$3,332$2,089$1,278$767$57
39 years$4,963$3,168$1,957$1,178$695$48
40 years$4,785$3,014$1,835$1,087$631$40
41 years$4,616$2,869$1,720$1,003$572$33
42 years$4,456$2,733$1,614$925$519$28
43 years$4,304$2,604$1,514$854$471$23
44 years$4,158$2,482$1,421$789$428$19
45 years$4,020$2,367$1,335$728$388$16
46 years$3,888$2,258$1,254$673$352$14
47 years$3,763$2,155$1,178$622$320$11
48 years$3,642$2,057$1,107$574$291$9
49 years$3,527$1,964$1,040$531$264$8
50 years$3,417$1,876$978$491$240$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,500,000, adding $3,780 every year, while hoping to spend $36,604 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: 51/22/27 Blend
34$3,500,000$3,500,000$3,500,000$3,500,000
35$3,860,899$3,675,399$3,621,149$4,028,295
36$4,215,764$3,816,547$3,703,511$4,286,371
37$4,605,599$3,963,385$3,787,406$4,562,852
38$5,033,932$4,116,152$3,872,845$4,862,771
39$5,504,649$4,275,100$3,959,841$5,188,375
40$6,022,033$4,440,489$4,048,406$5,542,134
41$6,590,801$4,612,594$4,138,548$5,926,765
42$7,216,150$4,791,699$4,230,278$6,345,257
43$7,903,808$4,978,103$4,323,602$6,800,901
44$8,660,083$5,172,116$4,418,529$7,297,315
45$9,491,925$5,374,064$4,515,064$7,838,483
46$10,406,994$5,584,285$4,613,211$8,428,789
47$11,413,726$5,803,134$4,712,972$9,073,057
48$12,521,420$6,030,981$4,814,350$9,776,598
49$13,740,318$6,268,213$4,917,345$10,545,260
50$15,081,708$6,515,233$5,021,953$11,385,478
51$16,558,026$6,772,463$5,128,173$12,304,337
52$18,182,975$7,040,344$5,235,997$13,309,641
53$19,971,654$7,319,336$5,345,418$14,409,978
54$21,940,699$7,609,920$5,456,426$15,614,807
55$24,108,443$7,912,599$5,569,009$16,934,545
56$26,495,086$8,227,897$5,683,152$18,380,660
57$29,122,884$8,556,364$5,798,837$19,965,785
58$32,016,365$8,898,573$5,916,045$21,703,829
59$35,202,554$9,255,123$6,034,753$23,610,115
60$38,711,231$9,626,640$6,154,933$25,701,515
61$42,575,210$10,013,779$6,276,557$27,996,617
62$46,830,651$10,417,224$6,399,591$30,515,891
63$51,517,400$10,837,690$6,523,999$33,281,885
64$56,679,362$11,275,924$6,649,741$36,319,438
65$62,364,921$11,732,709$6,776,772$39,655,910
66$68,627,392$12,208,860$6,905,042$43,321,440
67$75,525,523$12,705,232$7,034,498$47,349,228
68$83,124,056$13,222,717$7,165,083$51,775,850
69$91,494,329$13,762,250$7,296,733$56,641,598
70$100,714,956$14,324,805$7,429,379$61,990,861
71$110,872,565$14,911,404$7,562,947$67,872,541
72$122,062,618$15,523,115$7,697,357$74,340,512
73$134,390,310$16,161,052$7,832,523$81,454,131
74$147,971,561$16,826,383$7,968,352$89,278,791
75$162,934,113$17,520,329$8,104,745$97,886,540
76$179,418,734$18,244,165$8,241,595$107,356,756
77$197,580,544$18,999,228$8,378,787$117,776,897
78$217,590,483$19,786,914$8,516,200$129,243,324
79$239,636,922$20,608,683$8,653,703$141,862,205
80$263,927,443$21,466,064$8,791,157$155,750,521
81$290,690,795$22,360,654$8,928,414$171,037,159
82$320,179,056$23,294,126$9,065,315$187,864,136
83$352,670,010$24,268,228$9,201,694$206,387,928
84$388,469,771$25,284,792$9,337,370$226,780,951
85$427,915,672$26,345,730$9,472,156$249,233,181
86$471,379,447$27,453,047$9,605,850$273,953,948
87$519,270,743$28,608,839$9,738,238$301,173,905
88$572,040,984$29,815,298$9,869,095$331,147,207
89$630,187,636$31,074,719$9,998,181$364,153,900
90$694,258,898$32,389,504$10,125,243$400,502,569
91$764,858,881$33,762,165$10,250,014$440,533,241
92$842,653,308$35,195,332$10,372,211$484,620,595
93$928,375,799$36,691,757$10,491,534$533,177,492
94$1,022,834,798$38,254,320$10,607,667$586,658,869
95$1,126,921,202$39,886,036$10,720,278$645,566,033
96$1,241,616,772$41,590,059$10,829,015$710,451,384
97$1,368,003,403$43,369,692$10,933,508$781,923,627
98$1,507,273,335$45,228,392$11,033,365$860,653,514
99$1,660,740,407$47,169,776$11,128,175$947,380,170
100$1,829,852,465$49,197,631$11,217,505$1,042,918,066