Can I retire at age 35 with 3,600,000?

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 $3,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$297,285$294,637$292,053$289,531$287,069$278,326
2 years$147,171$144,430$141,773$139,198$136,700$127,966
3 years$97,139$94,386$91,737$89,185$86,728$78,278
4 years$72,128$69,384$66,761$64,253$61,855$53,753
5 years$57,126$54,398$51,809$49,352$47,021$39,289
6 years$47,127$44,420$41,869$39,468$37,206$29,851
7 years$39,988$37,304$34,794$32,448$30,259$23,280
8 years$34,637$31,976$29,508$27,220$25,102$18,496
9 years$30,476$27,841$25,415$23,186$21,140$14,899
10 years$27,150$24,541$22,157$19,986$18,012$12,127
11 years$24,430$21,847$19,507$17,394$15,491$9,952
12 years$22,165$19,609$17,312$15,257$13,424$8,220
13 years$20,251$17,721$15,467$13,470$11,706$6,824
14 years$18,611$16,107$13,897$11,957$10,262$5,689
15 years$17,191$14,714$12,547$10,663$9,035$4,759
16 years$15,949$13,500$11,376$9,548$7,985$3,992
17 years$14,855$12,433$10,352$8,579$7,080$3,357
18 years$13,884$11,489$9,450$7,731$6,295$2,828
19 years$13,016$10,648$8,651$6,986$5,611$2,386
20 years$12,235$9,894$7,939$6,327$5,012$2,016
21 years$11,530$9,216$7,303$5,742$4,485$1,705
22 years$10,890$8,603$6,731$5,221$4,020$1,444
23 years$10,306$8,046$6,214$4,755$3,609$1,223
24 years$9,772$7,539$5,747$4,337$3,244$1,037
25 years$9,281$7,075$5,323$3,960$2,919$880
26 years$8,829$6,649$4,937$3,621$2,629$747
27 years$8,411$6,258$4,584$3,315$2,371$634
28 years$8,024$5,897$4,262$3,037$2,139$539
29 years$7,664$5,563$3,966$2,785$1,931$458
30 years$7,328$5,253$3,694$2,556$1,745$389
31 years$7,015$4,966$3,444$2,347$1,578$331
32 years$6,722$4,699$3,213$2,157$1,427$281
33 years$6,447$4,450$3,000$1,984$1,292$239
34 years$6,189$4,218$2,803$1,825$1,169$203
35 years$5,946$4,000$2,621$1,680$1,059$173
36 years$5,718$3,797$2,452$1,547$960$147
37 years$5,502$3,606$2,295$1,426$870$125
38 years$5,298$3,427$2,149$1,314$789$106
39 years$5,105$3,259$2,013$1,212$715$91
40 years$4,922$3,101$1,887$1,118$649$77
41 years$4,748$2,951$1,770$1,031$588$66
42 years$4,583$2,811$1,660$952$534$56
43 years$4,427$2,678$1,558$878$485$47
44 years$4,277$2,553$1,462$811$440$40
45 years$4,135$2,434$1,373$749$399$34
46 years$3,999$2,322$1,289$692$363$29
47 years$3,870$2,216$1,211$639$329$25
48 years$3,746$2,116$1,138$591$299$21
49 years$3,628$2,020$1,070$546$272$18
50 years$3,515$1,930$1,006$505$247$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,600,000, adding $4,031 every year, while hoping to spend $22,384 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: 80/9/11 Blend
34$3,600,000$3,600,000$3,600,000$3,600,000
35$3,971,358$3,780,558$3,724,758$4,281,148
36$4,352,620$3,941,989$3,825,721$4,646,496
37$4,772,021$4,110,580$3,929,316$5,044,001
38$5,233,426$4,286,658$4,035,608$5,479,553
39$5,741,097$4,470,565$4,144,662$5,956,948
40$6,299,727$4,662,661$4,256,546$6,480,365
41$6,914,488$4,863,320$4,371,329$7,054,408
42$7,591,078$5,072,935$4,489,081$7,684,145
43$8,335,777$5,291,918$4,609,874$8,375,159
44$9,155,503$5,520,699$4,733,782$9,133,598
45$10,057,880$5,759,728$4,860,879$9,966,236
46$11,051,307$6,009,478$4,991,242$10,880,529
47$12,145,041$6,270,443$5,124,949$11,884,695
48$13,349,280$6,543,140$5,262,080$12,987,782
49$14,675,264$6,828,111$5,402,716$14,199,759
50$16,135,375$7,125,923$5,546,941$15,531,607
51$17,743,259$7,437,169$5,694,840$16,995,420
52$19,513,953$7,762,472$5,846,498$18,604,524
53$21,464,025$8,102,482$6,002,005$20,373,597
54$23,611,734$8,457,881$6,161,450$22,318,811
55$25,977,197$8,829,385$6,324,926$24,457,980
56$28,582,586$9,217,739$6,492,526$26,810,730
57$31,452,329$9,623,728$6,664,345$29,398,683
58$34,613,348$10,048,171$6,840,481$32,245,662
59$38,095,306$10,491,928$7,021,034$35,377,910
60$41,930,892$10,955,898$7,206,104$38,824,344
61$46,156,129$11,441,023$7,395,794$42,616,820
62$50,810,712$11,948,290$7,590,210$46,790,439
63$55,938,381$12,478,733$7,789,459$51,383,874
64$61,587,340$13,033,435$7,993,650$56,439,734
65$67,810,704$13,613,529$8,202,893$62,004,967
66$74,667,007$14,220,203$8,417,301$68,131,301
67$82,220,752$14,854,703$8,636,990$74,875,731
68$90,543,016$15,518,330$8,862,077$82,301,056
69$99,712,126$16,212,452$9,092,680$90,476,474
70$109,814,399$16,938,498$9,328,920$99,478,228
71$120,944,950$17,697,966$9,570,921$109,390,328
72$133,208,595$18,492,427$9,818,808$120,305,343
73$146,720,842$19,323,526$10,072,707$132,325,274
74$161,608,974$20,192,985$10,332,749$145,562,511
75$178,013,257$21,102,609$10,599,064$160,140,900
76$196,088,263$22,054,290$10,871,786$176,196,903
77$216,004,325$23,050,010$11,151,051$193,880,890
78$237,949,150$24,091,844$11,436,995$213,358,555
79$262,129,587$25,181,969$11,729,758$234,812,478
80$288,773,582$26,322,662$12,029,482$258,443,846
81$318,132,328$27,516,314$12,336,311$284,474,354
82$350,482,638$28,765,424$12,650,389$313,148,293
83$386,129,554$30,072,617$12,971,864$344,734,854
84$425,409,233$31,440,640$13,300,885$379,530,667
85$468,692,114$32,872,371$13,637,605$417,862,604
86$516,386,421$34,370,828$13,982,176$460,090,854
87$568,942,009$35,939,173$14,334,752$506,612,328
88$626,854,620$37,580,717$14,695,492$557,864,401
89$690,670,552$39,298,934$15,064,552$614,329,039
90$760,991,829$41,097,462$15,442,095$676,537,344
91$838,481,871$42,980,113$15,828,280$745,074,569
92$923,871,766$44,950,884$16,223,273$820,585,637
93$1,017,967,171$47,013,961$16,627,237$903,781,227
94$1,121,655,912$49,173,735$17,040,339$995,444,484
95$1,235,916,372$51,434,805$17,462,747$1,096,438,401
96$1,361,826,723$53,801,991$17,894,630$1,207,713,970
97$1,500,575,106$56,280,346$18,336,157$1,330,319,153
98$1,653,470,849$58,875,165$18,787,501$1,465,408,775
99$1,821,956,826$61,591,998$19,248,832$1,614,255,415
100$2,007,623,078$64,436,663$19,720,325$1,778,261,425