Can I retire at age 35 with 4,600,000?

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 $4,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$379,864$376,480$373,179$369,957$366,810$362,527
2 years$188,051$184,549$181,155$177,864$174,672$170,361
3 years$124,122$120,605$117,219$113,959$110,819$106,614
4 years$92,164$88,657$85,306$82,101$79,037$74,970
5 years$72,994$69,508$66,201$63,062$60,083$56,166
6 years$60,218$56,759$53,500$50,431$47,541$43,779
7 years$51,096$47,666$44,459$41,462$38,664$35,058
8 years$44,258$40,859$37,704$34,781$32,075$28,626
9 years$38,942$35,575$32,475$29,626$27,012$23,717
10 years$34,692$31,357$28,312$25,538$23,016$19,873
11 years$31,216$27,916$24,926$22,226$19,794$16,802
12 years$28,322$25,056$22,121$19,495$17,153$14,307
13 years$25,876$22,643$19,764$17,211$14,958$12,255
14 years$23,780$20,582$17,758$15,278$13,112$10,548
15 years$21,966$18,802$16,033$13,625$11,545$9,116
16 years$20,380$17,250$14,536$12,200$10,203$7,905
17 years$18,982$15,887$13,227$10,962$9,047$6,875
18 years$17,740$14,680$12,075$9,879$8,044$5,994
19 years$16,631$13,605$11,054$8,926$7,170$5,237
20 years$15,634$12,643$10,145$8,084$6,404$4,584
21 years$14,733$11,776$9,331$7,337$5,731$4,019
22 years$13,915$10,993$8,600$6,671$5,137$3,528
23 years$13,169$10,281$7,941$6,075$4,611$3,101
24 years$12,487$9,633$7,344$5,541$4,145$2,729
25 years$11,860$9,040$6,802$5,061$3,730$2,403
26 years$11,282$8,496$6,308$4,627$3,360$2,118
27 years$10,748$7,996$5,858$4,235$3,029$1,868
28 years$10,252$7,534$5,446$3,880$2,733$1,648
29 years$9,792$7,108$5,068$3,558$2,468$1,455
30 years$9,364$6,713$4,720$3,266$2,230$1,286
31 years$8,963$6,346$4,401$2,999$2,016$1,136
32 years$8,589$6,004$4,106$2,756$1,824$1,005
33 years$8,238$5,686$3,834$2,535$1,650$888
34 years$7,908$5,389$3,582$2,332$1,494$786
35 years$7,598$5,112$3,349$2,147$1,353$695
36 years$7,306$4,852$3,133$1,977$1,226$615
37 years$7,030$4,608$2,932$1,822$1,111$545
38 years$6,769$4,379$2,746$1,679$1,008$482
39 years$6,523$4,164$2,573$1,548$914$427
40 years$6,289$3,962$2,411$1,428$829$378
41 years$6,067$3,771$2,261$1,318$752$335
42 years$5,856$3,592$2,121$1,216$682$297
43 years$5,656$3,422$1,990$1,122$619$263
44 years$5,465$3,262$1,868$1,036$562$233
45 years$5,284$3,111$1,754$957$510$206
46 years$5,110$2,967$1,648$884$463$183
47 years$4,945$2,832$1,548$817$421$162
48 years$4,787$2,703$1,455$755$382$144
49 years$4,636$2,582$1,367$698$347$127
50 years$4,491$2,466$1,285$645$315$113

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,600,000, adding $2,564 every year, while hoping to spend $48,549 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: 35/37/28 Blend
34$4,600,000$4,600,000$4,600,000$4,600,000
35$5,071,845$4,828,045$4,756,745$5,206,459
36$5,537,517$5,012,963$4,864,440$5,492,439
37$6,049,061$5,205,315$4,974,116$5,796,240
38$6,611,104$5,405,415$5,085,787$6,123,106
39$7,228,744$5,613,587$5,199,469$6,475,134
40$7,907,597$5,830,175$5,315,172$6,854,627
41$8,653,852$6,055,533$5,432,910$7,264,113
42$9,474,324$6,290,033$5,552,692$7,706,368
43$10,376,525$6,534,064$5,674,527$8,184,443
44$11,368,728$6,788,031$5,798,421$8,701,689
45$12,460,050$7,052,357$5,924,381$9,261,787
46$13,660,537$7,327,484$6,052,409$9,868,784
47$14,981,254$7,613,873$6,182,507$10,527,129
48$16,434,396$7,912,007$6,314,675$11,241,712
49$18,033,397$8,222,388$6,448,909$12,017,909
50$19,793,062$8,545,543$6,585,206$12,861,633
51$21,729,700$8,882,021$6,723,556$13,779,386
52$23,861,284$9,232,395$6,863,950$14,778,320
53$26,207,618$9,597,264$7,006,375$15,866,301
54$28,790,520$9,977,256$7,150,814$17,051,985
55$31,634,035$10,373,023$7,297,248$18,344,893
56$34,764,656$10,785,250$7,445,654$19,755,502
57$38,211,573$11,214,650$7,596,007$21,295,341
58$42,006,956$11,661,970$7,748,275$22,977,099
59$46,186,249$12,127,990$7,902,425$24,814,740
60$50,788,508$12,613,523$8,058,419$26,823,633
61$55,856,773$13,119,423$8,216,213$29,020,697
62$61,438,468$13,646,579$8,375,760$31,424,554
63$67,585,851$14,195,921$8,537,007$34,055,708
64$74,356,508$14,768,421$8,699,897$36,936,730
65$81,813,894$15,365,096$8,864,366$40,092,470
66$90,027,934$15,987,009$9,030,346$43,550,292
67$99,075,681$16,635,269$9,197,759$47,340,324
68$109,042,041$17,311,038$9,366,525$51,495,743
69$120,020,581$18,015,531$9,536,555$56,053,081
70$132,114,404$18,750,015$9,707,753$61,052,571
71$145,437,125$19,515,819$9,880,016$66,538,521
72$160,113,947$20,314,329$10,053,231$72,559,726
73$176,282,835$21,146,996$10,227,280$79,169,930
74$194,095,823$22,015,338$10,402,033$86,428,323
75$213,720,448$22,920,941$10,577,352$94,400,101
76$235,341,331$23,865,464$10,753,091$103,157,073
77$259,161,919$24,850,643$10,929,091$112,778,338
78$285,406,402$25,878,293$11,105,183$123,351,021
79$314,321,838$26,950,311$11,281,189$134,971,098
80$346,180,473$28,068,684$11,456,916$147,744,290
81$381,282,319$29,235,488$11,632,161$161,787,059
82$419,957,984$30,452,896$11,806,708$177,227,701
83$462,571,791$31,723,180$11,980,324$194,207,551
84$509,525,216$33,048,718$12,152,767$212,882,311
85$561,260,680$34,431,997$12,323,777$233,423,514
86$618,265,723$35,875,619$12,493,078$256,020,135
87$681,077,610$37,382,307$12,660,379$280,880,369
88$750,288,395$38,954,909$12,825,371$308,233,588
89$826,550,518$40,596,406$12,987,727$338,332,502
90$910,582,958$42,309,917$13,147,103$371,455,532
91$1,003,178,022$44,098,705$13,303,133$407,909,431
92$1,105,208,823$45,966,185$13,455,431$448,032,175
93$1,217,637,526$47,915,931$13,603,591$492,196,139
94$1,341,524,425$49,951,683$13,747,182$540,811,607
95$1,478,037,955$52,077,354$13,885,752$594,330,633
96$1,628,465,723$54,297,041$14,018,821$653,251,299
97$1,794,226,663$56,615,032$14,145,888$718,122,407
98$1,976,884,428$59,035,814$14,266,420$789,548,646
99$2,178,162,154$61,564,083$14,379,860$868,196,293
100$2,399,958,727$64,204,756$14,485,618$954,799,486