Can I retire at age 35 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$338,574$335,558$332,616$329,744$326,940$324,879
2 years$167,611$164,489$161,464$158,531$155,686$153,607
3 years$110,631$107,496$104,478$101,572$98,773$96,741
4 years$82,146$79,021$76,033$73,177$70,446$68,476
5 years$65,060$61,953$59,005$56,207$53,552$51,650
6 years$53,673$50,589$47,685$44,949$42,374$40,542
7 years$45,542$42,485$39,626$36,955$34,461$32,701
8 years$39,447$36,417$33,606$31,001$28,589$26,900
9 years$34,709$31,708$28,945$26,406$24,076$22,458
10 years$30,921$27,949$25,235$22,762$20,514$18,966
11 years$27,823$24,881$22,216$19,810$17,643$16,163
12 years$25,244$22,332$19,716$17,376$15,289$13,877
13 years$23,063$20,182$17,615$15,340$13,332$11,987
14 years$21,195$18,345$15,827$13,617$11,687$10,406
15 years$19,578$16,758$14,290$12,144$10,290$9,072
16 years$18,165$15,375$12,956$10,874$9,094$7,938
17 years$16,918$14,160$11,790$9,770$8,064$6,966
18 years$15,812$13,085$10,762$8,805$7,170$6,130
19 years$14,823$12,127$9,852$7,956$6,391$5,406
20 years$13,935$11,269$9,042$7,206$5,708$4,777
21 years$13,132$10,496$8,317$6,540$5,108$4,229
22 years$12,402$9,798$7,665$5,946$4,579$3,749
23 years$11,738$9,164$7,078$5,415$4,110$3,328
24 years$11,129$8,586$6,546$4,939$3,694$2,957
25 years$10,570$8,057$6,062$4,510$3,324$2,631
26 years$10,055$7,573$5,623$4,124$2,994$2,343
27 years$9,579$7,127$5,221$3,775$2,700$2,087
28 years$9,138$6,716$4,854$3,459$2,436$1,861
29 years$8,728$6,335$4,517$3,172$2,200$1,661
30 years$8,346$5,983$4,207$2,911$1,988$1,483
31 years$7,989$5,656$3,922$2,673$1,797$1,324
32 years$7,655$5,352$3,660$2,457$1,625$1,183
33 years$7,342$5,068$3,417$2,259$1,471$1,058
34 years$7,049$4,803$3,193$2,079$1,332$946
35 years$6,772$4,556$2,985$1,914$1,206$846
36 years$6,512$4,324$2,792$1,762$1,093$757
37 years$6,266$4,107$2,614$1,624$991$678
38 years$6,034$3,903$2,447$1,497$898$607
39 years$5,814$3,712$2,293$1,380$814$543
40 years$5,605$3,531$2,149$1,273$739$486
41 years$5,408$3,361$2,015$1,174$670$436
42 years$5,220$3,201$1,890$1,084$608$390
43 years$5,041$3,050$1,774$1,000$552$350
44 years$4,871$2,907$1,665$924$501$313
45 years$4,709$2,773$1,563$853$455$281
46 years$4,555$2,645$1,468$788$413$252
47 years$4,408$2,524$1,380$728$375$225
48 years$4,267$2,410$1,296$673$341$202
49 years$4,132$2,301$1,219$622$309$181
50 years$4,003$2,198$1,146$575$281$162

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,100,000, adding $4,895 every year, while hoping to spend $55,948 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: 42/37/21 Blend
34$4,100,000$4,100,000$4,100,000$4,100,000
35$4,523,249$4,305,949$4,242,399$4,685,214
36$4,925,092$4,457,412$4,324,991$4,952,308
37$5,366,048$4,614,422$4,408,475$5,235,587
38$5,850,048$4,777,191$4,492,821$5,541,214
39$6,381,420$4,945,941$4,577,998$5,871,273
40$6,964,934$5,120,901$4,663,971$6,228,053
41$7,605,844$5,302,312$4,750,700$6,614,071
42$8,309,937$5,490,422$4,838,145$7,032,092
43$9,083,588$5,685,491$4,926,261$7,485,159
44$9,933,823$5,887,789$5,014,999$7,976,617
45$10,868,378$6,097,595$5,104,307$8,510,145
46$11,895,779$6,315,204$5,194,128$9,089,790
47$13,025,418$6,540,918$5,284,400$9,720,005
48$14,267,642$6,775,055$5,375,060$10,405,687
49$15,633,853$7,017,944$5,466,035$11,152,226
50$17,136,611$7,269,928$5,557,252$11,965,554
51$18,789,755$7,531,365$5,648,631$12,852,196
52$20,608,534$7,802,626$5,740,084$13,819,336
53$22,609,749$8,084,099$5,831,521$14,874,881
54$24,811,911$8,376,187$5,922,845$16,027,534
55$27,235,417$8,679,311$6,013,950$17,286,876
56$29,902,739$8,993,907$6,104,728$18,663,456
57$32,838,642$9,320,432$6,195,060$20,168,886
58$36,070,410$9,659,360$6,284,821$21,815,952
59$39,628,109$10,011,186$6,373,880$23,618,732
60$43,544,867$10,376,424$6,462,095$25,592,730
61$47,857,186$10,755,612$6,549,318$27,755,017
62$52,605,291$11,149,309$6,635,392$30,124,393
63$57,833,502$11,558,097$6,720,149$32,721,562
64$63,590,659$11,982,583$6,803,414$35,569,326
65$69,930,577$12,423,400$6,884,999$38,692,799
66$76,912,557$12,881,208$6,964,708$42,119,641
67$84,601,945$13,356,695$7,042,332$45,880,319
68$93,070,746$13,850,575$7,117,653$50,008,389
69$102,398,306$14,363,597$7,190,438$54,540,817
70$112,672,059$14,896,539$7,260,444$59,518,320
71$123,988,352$15,450,213$7,327,412$64,985,751
72$136,453,355$16,025,464$7,391,071$70,992,519
73$150,184,061$16,623,176$7,451,136$77,593,054
74$165,309,392$17,244,268$7,507,305$84,847,320
75$181,971,413$17,889,700$7,559,263$92,821,372
76$200,326,674$18,560,473$7,606,676$101,587,986
77$220,547,690$19,257,631$7,649,194$111,227,338
78$242,824,561$19,982,261$7,686,449$121,827,756
79$267,366,774$20,735,501$7,718,054$133,486,557
80$294,405,178$21,518,533$7,743,601$146,310,959
81$324,194,159$22,332,594$7,762,665$160,419,089
82$357,014,046$23,178,974$7,774,797$175,941,099
83$393,173,751$24,059,016$7,779,525$193,020,385
84$433,013,691$24,974,125$7,776,356$211,814,944
85$476,908,996$25,925,766$7,764,773$232,498,858
86$525,273,051$26,915,466$7,744,230$255,263,934
87$578,561,399$27,944,820$7,714,158$280,321,511
88$637,276,038$29,015,493$7,673,959$307,904,451
89$701,970,165$30,129,223$7,623,008$338,269,333
90$773,253,389$31,287,822$7,560,646$371,698,873
91$851,797,494$32,493,184$7,486,186$408,504,584
92$938,342,773$33,747,286$7,398,909$449,029,715
93$1,033,705,022$35,052,189$7,298,058$493,652,487
94$1,138,783,236$36,410,047$7,182,845$542,789,655
95$1,254,568,097$37,823,111$7,052,441$596,900,441
96$1,382,151,327$39,293,727$6,905,982$656,490,861
97$1,522,735,990$40,824,348$6,742,560$722,118,498
98$1,677,647,854$42,417,534$6,561,229$794,397,759
99$1,848,347,901$44,075,959$6,360,996$874,005,667
100$2,036,446,122$45,802,415$6,140,824$961,688,252