Can I retire at age 35 with 4,400,000?

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 $4,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$363,348$360,111$356,954$353,872$350,862$347,777
2 years$179,875$176,525$173,278$170,131$167,077$163,969
3 years$118,726$115,361$112,123$109,004$106,001$102,965
4 years$88,157$84,803$81,597$78,531$75,601$72,660
5 years$69,820$66,486$63,322$60,320$57,470$54,635
6 years$57,600$54,291$51,174$48,238$45,474$42,747
7 years$48,875$45,594$42,526$39,659$36,983$34,365
8 years$42,334$39,082$36,065$33,269$30,681$28,172
9 years$37,249$34,028$31,063$28,338$25,838$23,438
10 years$33,183$29,994$27,081$24,428$22,015$19,722
11 years$29,859$26,702$23,842$21,259$18,934$16,746
12 years$27,091$23,966$21,159$18,647$16,407$14,323
13 years$24,751$21,658$18,904$16,463$14,308$12,325
14 years$22,746$19,687$16,986$14,614$12,542$10,657
15 years$21,011$17,984$15,336$13,033$11,043$9,254
16 years$19,494$16,500$13,904$11,670$9,760$8,064
17 years$18,156$15,196$12,652$10,485$8,654$7,048
18 years$16,969$14,042$11,550$9,449$7,694$6,175
19 years$15,908$13,014$10,573$8,538$6,858$5,423
20 years$14,954$12,093$9,704$7,733$6,126$4,771
21 years$14,092$11,264$8,925$7,018$5,482$4,205
22 years$13,310$10,515$8,226$6,381$4,914$3,711
23 years$12,597$9,834$7,595$5,811$4,411$3,279
24 years$11,944$9,214$7,024$5,300$3,965$2,901
25 years$11,344$8,647$6,506$4,841$3,568$2,568
26 years$10,791$8,127$6,034$4,426$3,214$2,276
27 years$10,280$7,648$5,603$4,051$2,897$2,019
28 years$9,807$7,207$5,209$3,712$2,614$1,792
29 years$9,367$6,799$4,847$3,404$2,361$1,591
30 years$8,956$6,421$4,515$3,124$2,133$1,413
31 years$8,574$6,070$4,209$2,869$1,928$1,256
32 years$8,216$5,743$3,927$2,637$1,744$1,117
33 years$7,880$5,439$3,667$2,425$1,579$994
34 years$7,564$5,155$3,426$2,231$1,429$884
35 years$7,268$4,889$3,203$2,054$1,295$787
36 years$6,988$4,641$2,997$1,891$1,173$701
37 years$6,724$4,408$2,805$1,743$1,063$624
38 years$6,475$4,189$2,627$1,606$964$556
39 years$6,239$3,983$2,461$1,481$874$495
40 years$6,015$3,790$2,306$1,366$793$441
41 years$5,803$3,607$2,163$1,260$719$393
42 years$5,602$3,436$2,029$1,163$653$350
43 years$5,410$3,273$1,904$1,074$592$312
44 years$5,228$3,120$1,787$991$538$278
45 years$5,054$2,975$1,678$916$488$248
46 years$4,888$2,838$1,576$846$443$221
47 years$4,730$2,709$1,481$781$402$197
48 years$4,579$2,586$1,391$722$365$176
49 years$4,434$2,469$1,308$667$332$157
50 years$4,296$2,359$1,229$617$301$140

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,400,000, adding $6,694 every year, while hoping to spend $45,920 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: 58/19/23 Blend
34$4,400,000$4,400,000$4,400,000$4,400,000
35$4,855,705$4,622,505$4,554,305$5,106,939
36$5,302,128$4,800,149$4,658,016$5,456,581
37$5,792,548$4,984,959$4,763,662$5,832,102
38$6,331,403$5,177,237$4,871,259$6,240,537
39$6,923,583$5,377,299$4,980,824$6,685,078
40$7,574,477$5,585,475$5,092,369$7,169,239
41$8,290,019$5,802,109$5,205,910$7,696,884
42$9,076,750$6,027,561$5,321,457$8,272,268
43$9,941,873$6,262,206$5,439,020$8,900,075
44$10,893,327$6,506,437$5,558,610$9,585,456
45$11,939,857$6,760,663$5,680,234$10,334,087
46$13,091,098$7,025,311$5,803,897$11,152,211
47$14,357,667$7,300,828$5,929,605$12,046,706
48$15,751,261$7,587,681$6,057,359$13,025,141
49$17,284,769$7,886,357$6,187,160$14,095,852
50$18,972,392$8,197,364$6,319,006$15,268,015
51$20,829,776$8,521,235$6,452,893$16,551,738
52$22,874,162$8,858,525$6,588,814$17,958,149
53$25,124,548$9,209,814$6,726,761$19,499,505
54$27,601,866$9,575,709$6,866,721$21,189,302
55$30,329,181$9,956,844$7,008,681$23,042,405
56$33,331,908$10,353,879$7,152,622$25,075,188
57$36,638,050$10,767,507$7,298,523$27,305,682
58$40,278,468$11,198,451$7,446,359$29,753,749
59$44,287,163$11,647,467$7,596,104$32,441,267
60$48,701,604$12,115,343$7,747,724$35,392,334
61$53,563,078$12,602,906$7,901,183$38,633,495
62$58,917,081$13,111,017$8,056,442$42,193,991
63$64,813,746$13,640,579$8,213,455$46,106,035
64$71,308,314$14,192,534$8,372,172$50,405,112
65$78,461,661$14,767,866$8,532,538$55,130,314
66$86,340,865$15,367,607$8,694,493$60,324,707
67$95,019,847$15,992,833$8,857,972$66,035,735
68$104,580,059$16,644,670$9,022,902$72,315,669
69$115,111,261$17,324,294$9,189,205$79,222,095
70$126,712,362$18,032,937$9,356,796$86,818,458
71$139,492,358$18,771,886$9,525,584$95,174,659
72$153,571,356$19,542,487$9,695,469$104,367,710
73$169,081,712$20,346,146$9,866,344$114,482,462
74$186,169,276$21,184,336$10,038,096$125,612,404
75$204,994,770$22,058,596$10,210,600$137,860,542
76$225,735,305$22,970,536$10,383,724$151,340,367
77$248,586,054$23,921,840$10,557,326$166,176,927
78$273,762,090$24,914,269$10,731,255$182,508,005
79$301,500,420$25,949,665$10,905,349$200,485,415
80$332,062,219$27,029,955$11,079,435$220,276,434
81$365,735,298$28,157,155$11,253,328$242,065,375
82$402,836,817$29,333,374$11,426,833$266,055,330
83$443,716,281$30,560,819$11,599,741$292,470,080
84$488,758,839$31,841,796$11,771,829$321,556,203
85$538,388,918$33,178,721$11,942,863$353,585,402
86$593,074,230$34,574,121$12,112,592$388,857,064
87$653,330,188$36,030,640$12,280,750$427,701,086
88$719,724,769$37,551,043$12,447,057$470,480,980
89$792,883,877$39,138,225$12,611,214$517,597,305
90$873,497,249$40,795,215$12,772,907$569,491,445
91$962,324,971$42,525,183$12,931,802$626,649,768
92$1,060,204,647$44,331,446$13,087,547$689,608,215
93$1,168,059,310$46,217,476$13,239,768$758,957,355
94$1,286,906,133$48,186,905$13,388,074$835,347,957
95$1,417,866,032$50,243,537$13,532,048$919,497,125
96$1,562,174,248$52,391,352$13,671,252$1,012,195,066
97$1,721,192,008$54,634,514$13,805,225$1,114,312,542
98$1,896,419,372$56,977,385$13,933,480$1,226,809,086
99$2,089,509,400$59,424,529$14,055,503$1,350,742,056
100$2,302,283,751$61,980,723$14,170,755$1,487,276,608