Can I retire at age 35 with 3,900,000?

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$322,058$319,190$316,391$313,659$310,991$309,551
2 years$159,435$156,466$153,588$150,798$148,091$146,637
3 years$105,234$102,252$99,381$96,617$93,955$92,532
4 years$78,139$75,166$72,324$69,607$67,010$65,629
5 years$61,886$58,931$56,127$53,465$50,940$49,606
6 years$51,055$48,122$45,359$42,757$40,307$39,021
7 years$43,321$40,412$37,693$35,153$32,780$31,544
8 years$37,523$34,641$31,967$29,489$27,194$26,007
9 years$33,016$30,161$27,533$25,118$22,902$21,763
10 years$29,412$26,586$24,004$21,652$19,513$18,423
11 years$26,466$23,668$21,133$18,843$16,782$15,739
12 years$24,013$21,243$18,755$16,528$14,543$13,546
13 years$21,938$19,197$16,756$14,592$12,682$11,731
14 years$20,161$17,450$15,055$12,953$11,117$10,211
15 years$18,623$15,941$13,593$11,552$9,788$8,926
16 years$17,278$14,625$12,324$10,343$8,651$7,831
17 years$16,093$13,469$11,214$9,294$7,670$6,891
18 years$15,041$12,446$10,237$8,375$6,820$6,081
19 years$14,100$11,535$9,372$7,568$6,079$5,378
20 years$13,255$10,719$8,601$6,854$5,430$4,766
21 years$12,491$9,984$7,911$6,221$4,859$4,232
22 years$11,797$9,320$7,291$5,656$4,355$3,762
23 years$11,165$8,717$6,732$5,151$3,910$3,350
24 years$10,586$8,167$6,226$4,698$3,514$2,986
25 years$10,055$7,664$5,767$4,290$3,162$2,665
26 years$9,565$7,203$5,348$3,923$2,848$2,380
27 years$9,112$6,779$4,966$3,591$2,568$2,127
28 years$8,692$6,388$4,617$3,290$2,317$1,903
29 years$8,302$6,026$4,296$3,017$2,092$1,704
30 years$7,939$5,691$4,002$2,769$1,891$1,526
31 years$7,599$5,380$3,731$2,543$1,709$1,367
32 years$7,282$5,091$3,481$2,337$1,546$1,226
33 years$6,984$4,821$3,250$2,149$1,399$1,099
34 years$6,705$4,569$3,037$1,977$1,267$986
35 years$6,442$4,334$2,839$1,820$1,147$885
36 years$6,194$4,113$2,656$1,676$1,040$795
37 years$5,960$3,907$2,486$1,545$942$714
38 years$5,739$3,713$2,328$1,424$854$641
39 years$5,530$3,531$2,181$1,313$775$576
40 years$5,332$3,359$2,044$1,211$703$518
41 years$5,144$3,197$1,917$1,117$637$465
42 years$4,965$3,045$1,798$1,031$578$418
43 years$4,795$2,901$1,687$952$525$376
44 years$4,634$2,766$1,584$879$477$338
45 years$4,480$2,637$1,487$812$433$304
46 years$4,333$2,516$1,397$750$393$273
47 years$4,193$2,401$1,312$693$357$246
48 years$4,059$2,292$1,233$640$324$221
49 years$3,930$2,189$1,159$591$294$199
50 years$3,808$2,091$1,090$547$267$179

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $3,900,000, adding $4,259 every year, while hoping to spend $40,658 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: 41/30/29 Blend
34$3,900,000$3,900,000$3,900,000$3,900,000
35$4,302,193$4,095,493$4,035,043$4,441,741
36$4,697,757$4,252,913$4,126,957$4,700,708
37$5,132,306$4,416,683$4,220,588$4,976,738
38$5,609,773$4,587,072$4,315,950$5,274,763
39$6,134,492$4,764,361$4,413,056$5,596,834
40$6,711,236$4,948,841$4,511,920$5,945,205
41$7,345,266$5,140,818$4,612,553$6,322,351
42$8,042,376$5,340,610$4,714,966$6,730,994
43$8,808,950$5,548,552$4,819,168$7,174,126
44$9,652,020$5,764,989$4,925,169$7,655,037
45$10,579,338$5,990,285$5,032,973$8,177,345
46$11,599,441$6,224,819$5,142,588$8,745,028
47$12,721,736$6,468,987$5,254,017$9,362,463
48$13,956,588$6,723,203$5,367,262$10,034,464
49$15,315,419$6,987,898$5,482,323$10,766,327
50$16,810,810$7,263,524$5,599,200$11,563,879
51$18,456,628$7,550,552$5,717,889$12,433,532
52$20,268,150$7,849,474$5,838,383$13,382,342
53$22,262,208$8,160,806$5,960,676$14,418,075
54$24,457,352$8,485,084$6,084,757$15,549,277
55$26,874,018$8,822,870$6,210,614$16,785,355
56$29,534,729$9,174,751$6,338,230$18,136,666
57$32,464,298$9,541,340$6,467,587$19,614,608
58$35,690,069$9,923,279$6,598,664$21,231,731
59$39,242,174$10,321,237$6,731,437$23,001,852
60$43,153,811$10,735,913$6,865,876$24,940,185
61$47,461,568$11,168,041$7,001,950$27,063,479
62$52,205,756$11,618,384$7,139,625$29,390,180
63$57,430,800$12,087,741$7,278,859$31,940,599
64$63,185,650$12,576,949$7,419,609$34,737,103
65$69,524,248$13,086,880$7,561,827$37,804,323
66$76,506,032$13,618,449$7,705,460$41,169,389
67$84,196,504$14,172,609$7,850,449$44,862,176
68$92,667,840$14,750,359$7,996,731$48,915,592
69$101,999,575$15,352,743$8,144,237$53,365,880
70$112,279,356$15,980,851$8,292,893$58,252,961
71$123,603,762$16,635,825$8,442,617$63,620,809
72$136,079,223$17,318,858$8,593,322$69,517,858
73$149,823,020$18,031,197$8,744,914$75,997,463
74$164,964,390$18,774,149$8,897,292$83,118,398
75$181,645,753$19,549,077$9,050,345$90,945,407
76$200,024,046$20,357,408$9,203,959$99,549,812
77$220,272,214$21,200,636$9,358,007$109,010,186
78$242,580,835$22,080,323$9,512,355$119,413,087
79$267,159,923$22,998,101$9,666,861$130,853,875
80$294,240,906$23,955,679$9,821,372$143,437,606
81$324,078,816$24,954,845$9,975,726$157,280,024
82$356,954,691$25,997,468$10,129,748$172,508,642
83$393,178,230$27,085,504$10,283,255$189,263,951
84$433,090,715$28,221,000$10,436,050$207,700,733
85$477,068,236$29,406,097$10,587,926$227,989,526
86$525,525,236$30,643,035$10,738,661$250,318,222
87$578,918,425$31,934,159$10,888,021$274,893,840
88$637,751,092$33,281,920$11,035,757$301,944,474
89$702,577,855$34,688,886$11,181,607$331,721,441
90$774,009,896$36,157,742$11,325,291$364,501,646
91$852,720,733$37,691,298$11,466,515$400,590,195
92$939,452,573$39,292,497$11,604,968$440,323,265
93$1,035,023,321$40,964,415$11,740,321$484,071,273
94$1,140,334,303$42,710,275$11,872,225$532,242,366
95$1,256,378,771$44,533,447$12,000,314$585,286,265
96$1,384,251,282$46,437,462$12,124,200$643,698,510
97$1,525,158,028$48,426,013$12,243,476$708,025,122
98$1,680,428,225$50,502,966$12,357,711$778,867,756
99$1,851,526,661$52,672,368$12,466,451$856,889,370
100$2,040,067,522$54,938,456$12,569,219$942,820,478