Can I retire at age 35 with 3,800,000?

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 $3,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$313,800$311,005$308,278$305,616$303,017$300,228
2 years$155,347$152,454$149,650$146,931$144,294$141,483
3 years$102,536$99,630$96,833$94,140$91,546$88,802
4 years$76,135$73,239$70,470$67,823$65,291$62,634
5 years$60,299$57,420$54,687$52,094$49,633$47,071
6 years$49,745$46,888$44,196$41,660$39,273$36,809
7 years$42,210$39,376$36,727$34,251$31,940$29,575
8 years$36,561$33,753$31,147$28,732$26,497$24,232
9 years$32,169$29,388$26,827$24,474$22,314$20,148
10 years$28,658$25,904$23,388$21,097$19,013$16,944
11 years$25,787$23,061$20,591$18,360$16,352$14,378
12 years$23,397$20,698$18,274$16,104$14,170$12,290
13 years$21,376$18,705$16,326$14,218$12,357$10,568
14 years$19,645$17,002$14,669$12,621$10,832$9,132
15 years$18,146$15,532$13,244$11,256$9,537$7,925
16 years$16,835$14,250$12,008$10,078$8,429$6,901
17 years$15,681$13,124$10,927$9,055$7,474$6,027
18 years$14,655$12,127$9,975$8,161$6,645$5,277
19 years$13,739$11,239$9,131$7,374$5,923$4,631
20 years$12,915$10,444$8,380$6,678$5,291$4,071
21 years$12,171$9,728$7,708$6,061$4,734$3,585
22 years$11,495$9,081$7,104$5,511$4,244$3,162
23 years$10,879$8,493$6,560$5,019$3,809$2,792
24 years$10,315$7,958$6,067$4,578$3,424$2,468
25 years$9,797$7,468$5,619$4,180$3,081$2,183
26 years$9,320$7,019$5,211$3,822$2,775$1,933
27 years$8,878$6,605$4,839$3,499$2,502$1,713
28 years$8,469$6,224$4,499$3,206$2,258$1,519
29 years$8,089$5,872$4,186$2,940$2,039$1,348
30 years$7,735$5,545$3,899$2,698$1,842$1,197
31 years$7,405$5,242$3,635$2,478$1,665$1,063
32 years$7,095$4,960$3,392$2,277$1,507$944
33 years$6,805$4,697$3,167$2,094$1,363$839
34 years$6,533$4,452$2,959$1,927$1,234$746
35 years$6,277$4,223$2,766$1,774$1,118$664
36 years$6,035$4,008$2,588$1,633$1,013$590
37 years$5,807$3,807$2,422$1,505$918$525
38 years$5,592$3,618$2,268$1,387$832$467
39 years$5,388$3,440$2,125$1,279$755$416
40 years$5,195$3,273$1,992$1,180$685$370
41 years$5,012$3,115$1,868$1,088$621$330
42 years$4,838$2,967$1,752$1,005$564$293
43 years$4,672$2,827$1,644$927$512$261
44 years$4,515$2,695$1,543$856$464$233
45 years$4,365$2,570$1,449$791$421$207
46 years$4,222$2,451$1,361$730$383$185
47 years$4,085$2,339$1,279$675$348$164
48 years$3,954$2,233$1,202$624$316$147
49 years$3,830$2,133$1,129$576$287$131
50 years$3,710$2,037$1,062$533$260$116

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,800,000, adding $3,238 every year, while hoping to spend $20,883 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: 54/31/15 Blend
34$3,800,000$3,800,000$3,800,000$3,800,000
35$4,190,940$3,989,540$3,930,640$4,400,399
36$4,596,197$4,162,808$4,040,097$4,716,797
37$5,042,089$4,343,866$4,152,521$5,058,499
38$5,532,741$4,533,075$4,267,989$5,429,959
39$6,072,695$4,730,809$4,386,581$5,834,017
40$6,666,956$4,937,465$4,508,377$6,273,791
41$7,321,039$5,153,454$4,633,462$6,752,712
42$8,041,021$5,379,210$4,761,919$7,274,548
43$8,833,598$5,615,184$4,893,836$7,843,445
44$9,706,149$5,861,852$5,029,303$8,463,963
45$10,666,803$6,119,709$5,168,412$9,141,114
46$11,724,518$6,389,276$5,311,255$9,880,414
47$12,889,166$6,671,098$5,457,929$10,687,928
48$14,171,623$6,965,744$5,608,532$11,570,330
49$15,583,876$7,273,813$5,763,165$12,534,962
50$17,139,130$7,595,929$5,921,930$13,589,904
51$18,851,941$7,932,748$6,084,934$14,744,044
52$20,738,343$8,284,958$6,252,284$16,007,167
53$22,816,009$8,653,275$6,424,090$17,390,038
54$25,104,411$9,038,455$6,600,466$18,904,509
55$27,625,007$9,441,285$6,781,528$20,563,623
56$30,401,442$9,862,592$6,967,393$22,381,737
57$33,459,772$10,303,242$7,158,184$24,374,658
58$36,828,709$10,764,141$7,354,023$26,559,786
59$40,539,892$11,246,240$7,555,038$28,956,278
60$44,628,189$11,750,533$7,761,359$31,585,225
61$49,132,018$12,278,063$7,973,119$34,469,850
62$54,093,718$12,829,922$8,190,452$37,635,724
63$59,559,944$13,407,255$8,413,499$41,111,004
64$65,582,107$14,011,260$8,642,401$44,926,697
65$72,216,864$14,643,193$8,877,303$49,116,948
66$79,526,645$15,304,371$9,118,354$53,719,359
67$87,580,249$15,996,171$9,365,705$58,775,344
68$96,453,491$16,720,040$9,619,512$64,330,511
69$106,229,914$17,477,489$9,879,933$70,435,094
70$117,001,586$18,270,106$10,147,131$77,144,421
71$128,869,958$19,099,552$10,421,271$84,519,429
72$141,946,832$19,967,569$10,702,522$92,627,243
73$156,355,410$20,875,980$10,991,057$101,541,797
74$172,231,458$21,826,699$11,287,053$111,344,532
75$189,724,588$22,821,729$11,590,691$122,125,160
76$208,999,671$23,863,169$11,902,154$133,982,504
77$230,238,393$24,953,220$12,221,632$147,025,425
78$253,640,968$26,094,187$12,549,316$161,373,848
79$279,428,031$27,288,486$12,885,402$177,159,883
80$307,842,719$28,538,650$13,230,091$194,529,072
81$339,152,965$29,847,333$13,583,588$213,641,751
82$373,654,030$31,217,315$13,946,101$234,674,561
83$411,671,289$32,651,511$14,317,844$257,822,106
84$453,563,302$34,152,977$14,699,033$283,298,787
85$499,725,198$35,724,912$15,089,890$311,340,812
86$550,592,409$37,370,674$15,490,642$342,208,425
87$606,644,775$39,093,777$15,901,519$376,188,348
88$668,411,079$40,897,909$16,322,757$413,596,484
89$736,474,035$42,786,932$16,754,595$454,780,889
90$811,475,791$44,764,896$17,197,278$500,125,048
91$894,123,990$46,836,044$17,651,055$550,051,483
92$985,198,451$49,004,825$18,116,180$605,025,736
93$1,085,558,533$51,275,902$18,592,912$665,560,749
94$1,196,151,244$53,654,161$19,081,515$732,221,700
95$1,318,020,181$56,144,725$19,582,256$805,631,320
96$1,452,315,388$58,752,965$20,095,410$886,475,765
97$1,600,304,206$61,484,509$20,621,255$975,511,079
98$1,763,383,242$64,345,257$21,160,074$1,073,570,319
99$1,943,091,552$67,341,394$21,712,155$1,181,571,400
100$2,141,125,171$70,479,403$22,277,793$1,300,525,755