Can I retire at age 35 with 4,200,000?

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 $4,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$346,832$343,743$340,729$337,787$334,914$327,750
2 years$171,699$168,501$165,402$162,397$159,483$152,300
3 years$113,329$110,117$107,026$104,050$101,182$94,205
4 years$84,150$80,948$77,888$74,962$72,164$65,446
5 years$66,647$63,464$60,444$57,578$54,858$48,418
6 years$54,982$51,823$48,848$46,046$43,407$37,253
7 years$46,653$43,521$40,593$37,857$35,302$29,433
8 years$40,409$37,306$34,426$31,757$29,286$23,702
9 years$35,556$32,481$29,651$27,050$24,663$19,359
10 years$31,675$28,631$25,850$23,317$21,014$15,985
11 years$28,502$25,488$22,758$20,293$18,073$13,313
12 years$25,860$22,877$20,197$17,800$15,662$11,162
13 years$23,626$20,674$18,045$15,714$13,657$9,411
14 years$21,712$18,792$16,214$13,950$11,972$7,971
15 years$20,056$17,167$14,639$12,441$10,541$6,776
16 years$18,608$15,750$13,272$11,139$9,316$5,778
17 years$17,331$14,505$12,077$10,008$8,260$4,940
18 years$16,198$13,404$11,025$9,020$7,345$4,233
19 years$15,185$12,422$10,093$8,150$6,547$3,634
20 years$14,274$11,543$9,263$7,381$5,847$3,124
21 years$13,452$10,752$8,520$6,699$5,233$2,690
22 years$12,705$10,037$7,852$6,091$4,690$2,318
23 years$12,024$9,387$7,250$5,547$4,210$2,000
24 years$11,401$8,795$6,705$5,059$3,784$1,727
25 years$10,828$8,254$6,210$4,621$3,405$1,492
26 years$10,301$7,757$5,760$4,225$3,067$1,290
27 years$9,813$7,301$5,348$3,867$2,766$1,116
28 years$9,361$6,879$4,972$3,543$2,495$966
29 years$8,941$6,490$4,627$3,249$2,253$837
30 years$8,549$6,129$4,310$2,982$2,036$725
31 years$8,184$5,794$4,018$2,739$1,841$628
32 years$7,842$5,482$3,749$2,517$1,665$544
33 years$7,522$5,192$3,500$2,314$1,507$472
34 years$7,221$4,921$3,270$2,129$1,364$409
35 years$6,937$4,667$3,058$1,960$1,236$355
36 years$6,671$4,430$2,860$1,805$1,120$307
37 years$6,419$4,207$2,677$1,663$1,015$267
38 years$6,181$3,998$2,507$1,533$920$231
39 years$5,956$3,802$2,349$1,414$834$201
40 years$5,742$3,617$2,202$1,304$757$174
41 years$5,540$3,443$2,064$1,203$687$151
42 years$5,347$3,279$1,937$1,110$623$131
43 years$5,164$3,125$1,817$1,025$565$114
44 years$4,990$2,978$1,706$946$513$99
45 years$4,824$2,840$1,602$874$466$86
46 years$4,666$2,709$1,504$807$423$74
47 years$4,515$2,586$1,413$746$384$65
48 years$4,371$2,468$1,328$689$349$56
49 years$4,233$2,357$1,248$637$317$49
50 years$4,101$2,252$1,174$589$288$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,200,000, adding $5,330 every year, while hoping to spend $54,288 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: 29/44/27 Blend
34$4,200,000$4,200,000$4,200,000$4,200,000
35$4,633,898$4,411,298$4,346,198$4,729,434
36$5,048,793$4,569,689$4,434,034$4,963,451
37$5,504,189$4,734,023$4,522,992$5,209,768
38$6,004,158$4,904,532$4,613,054$5,473,493
39$6,553,188$5,081,459$4,704,197$5,756,164
40$7,156,222$5,265,060$4,796,396$6,059,472
41$7,818,705$5,455,597$4,889,625$6,385,272
42$8,546,637$5,653,345$4,983,851$6,735,599
43$9,346,627$5,858,592$5,079,043$7,112,688
44$10,225,955$6,071,635$5,175,163$7,518,993
45$11,192,643$6,292,785$5,272,171$7,957,211
46$12,255,527$6,522,366$5,370,024$8,430,303
47$13,424,344$6,760,716$5,468,673$8,941,523
48$14,709,822$7,008,185$5,568,068$9,494,448
49$16,123,778$7,265,141$5,668,153$10,093,008
50$17,679,235$7,531,964$5,768,867$10,741,523
51$19,390,539$7,809,053$5,870,147$11,444,746
52$21,273,500$8,096,822$5,971,922$12,207,899
53$23,345,534$8,395,703$6,074,119$13,036,729
54$25,625,832$8,706,147$6,176,656$13,937,553
55$28,135,542$9,028,622$6,279,448$14,917,323
56$30,897,961$9,363,619$6,382,404$15,983,684
57$33,938,764$9,711,647$6,485,426$17,145,052
58$37,286,240$10,073,239$6,588,409$18,410,681
59$40,971,557$10,448,950$6,691,242$19,790,760
60$45,029,065$10,839,356$6,793,807$21,296,498
61$49,496,607$11,245,063$6,895,977$22,940,234
62$54,415,889$11,666,699$6,997,620$24,735,548
63$59,832,861$12,104,919$7,098,592$26,697,391
64$65,798,162$12,560,408$7,198,744$28,842,217
65$72,367,587$13,033,881$7,297,914$31,188,144
66$79,602,621$13,526,081$7,395,934$33,755,117
67$87,571,014$14,037,785$7,492,625$36,565,097
68$96,347,426$14,569,805$7,587,795$39,642,264
69$106,014,122$15,122,984$7,681,245$43,013,245
70$116,661,758$15,698,206$7,772,762$46,707,358
71$128,390,230$16,296,390$7,862,123$50,756,891
72$141,309,619$16,918,499$7,949,089$55,197,401
73$155,541,228$17,565,534$8,033,412$60,068,049
74$171,218,729$18,238,541$8,114,827$65,411,961
75$188,489,423$18,938,613$8,193,058$71,276,641
76$207,515,629$19,666,890$8,267,810$77,714,405
77$228,476,217$20,424,561$8,338,775$84,782,881
78$251,568,295$21,212,868$8,405,628$92,545,545
79$277,009,072$22,033,110$8,468,027$101,072,314
80$305,037,904$22,886,638$8,525,612$110,440,207
81$335,918,554$23,774,868$8,578,005$120,734,065
82$369,941,685$24,699,275$8,624,806$132,047,348
83$407,427,597$25,661,399$8,665,597$144,483,013
84$448,729,256$26,662,852$8,699,939$158,154,481
85$494,235,621$27,705,313$8,727,368$173,186,702
86$544,375,319$28,790,538$8,747,399$189,717,334
87$599,620,688$29,920,360$8,759,523$207,898,029
88$660,492,235$31,096,695$8,763,205$227,895,867
89$727,563,553$32,321,543$8,757,882$249,894,924
90$801,466,730$33,596,994$8,742,966$274,098,002
91$882,898,320$34,925,230$8,717,838$300,728,543
92$972,625,914$36,308,532$8,681,852$330,032,726
93$1,071,495,390$37,749,282$8,634,326$362,281,786
94$1,180,438,894$39,249,971$8,574,550$397,774,570
95$1,300,483,641$40,813,199$8,501,777$436,840,348
96$1,432,761,611$42,441,685$8,415,226$479,841,917
97$1,578,520,237$44,138,269$8,314,077$527,179,013
98$1,739,134,176$45,905,919$8,197,474$579,292,080
99$1,916,118,290$47,747,737$8,064,517$636,666,422
100$2,111,141,946$49,666,966$7,914,269$699,836,767