Can I retire at age 35 with 4,700,000?

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 $4,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$388,122$384,664$381,291$377,999$374,785$368,576
2 years$192,139$188,561$185,093$181,730$178,469$172,232
3 years$126,821$123,227$119,767$116,436$113,228$107,157
4 years$94,168$90,585$87,160$83,886$80,755$74,896
5 years$74,581$71,019$67,640$64,432$61,389$55,759
6 years$61,527$57,993$54,663$51,527$48,575$43,181
7 years$52,207$48,702$45,425$42,363$39,504$34,348
8 years$45,220$41,747$38,524$35,538$32,773$27,853
9 years$39,788$36,348$33,181$30,270$27,599$22,914
10 years$35,446$32,039$28,928$26,093$23,516$19,060
11 years$31,895$28,522$25,468$22,709$20,225$15,994
12 years$28,938$25,600$22,602$19,919$17,526$13,515
13 years$26,438$23,135$20,193$17,585$15,283$11,486
14 years$24,297$21,029$18,144$15,610$13,397$9,807
15 years$22,443$19,211$16,381$13,922$11,796$8,407
16 years$20,823$17,625$14,852$12,465$10,425$7,230
17 years$19,394$16,232$13,515$11,200$9,244$6,235
18 years$18,126$14,999$12,337$10,093$8,219$5,389
19 years$16,993$13,901$11,294$9,120$7,326$4,667
20 years$15,974$12,918$10,365$8,260$6,544$4,049
21 years$15,053$12,032$9,534$7,497$5,856$3,518
22 years$14,217$11,232$8,787$6,816$5,249$3,060
23 years$13,455$10,505$8,113$6,208$4,712$2,665
24 years$12,758$9,842$7,503$5,662$4,235$2,323
25 years$12,117$9,237$6,950$5,171$3,811$2,027
26 years$11,527$8,681$6,445$4,728$3,433$1,769
27 years$10,981$8,170$5,985$4,327$3,095$1,545
28 years$10,475$7,698$5,564$3,965$2,793$1,351
29 years$10,005$7,262$5,178$3,636$2,522$1,181
30 years$9,567$6,859$4,823$3,337$2,278$1,033
31 years$9,158$6,484$4,496$3,065$2,060$904
32 years$8,776$6,135$4,195$2,816$1,863$791
33 years$8,417$5,810$3,917$2,590$1,686$693
34 years$8,080$5,506$3,660$2,383$1,527$607
35 years$7,763$5,223$3,422$2,194$1,383$531
36 years$7,465$4,957$3,201$2,020$1,253$466
37 years$7,183$4,708$2,996$1,861$1,136$408
38 years$6,917$4,474$2,806$1,716$1,030$357
39 years$6,664$4,255$2,629$1,582$934$313
40 years$6,426$4,048$2,464$1,459$847$275
41 years$6,199$3,853$2,310$1,346$768$241
42 years$5,984$3,670$2,167$1,242$697$211
43 years$5,779$3,497$2,033$1,147$633$185
44 years$5,584$3,333$1,909$1,059$574$162
45 years$5,399$3,178$1,792$978$521$142
46 years$5,222$3,032$1,683$903$473$125
47 years$5,053$2,893$1,581$835$430$109
48 years$4,891$2,762$1,486$771$390$96
49 years$4,737$2,638$1,397$713$355$84
50 years$4,589$2,520$1,313$659$322$74

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,700,000, adding $4,143 every year, while hoping to spend $49,755 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: 47/47/6 Blend
34$4,700,000$4,700,000$4,700,000$4,700,000
35$5,183,674$4,934,574$4,861,724$5,418,888
36$5,659,469$5,123,429$4,971,652$5,769,425
37$6,182,129$5,319,870$5,083,596$6,144,046
38$6,756,379$5,524,217$5,197,570$6,549,416
39$7,387,429$5,736,803$5,313,588$6,988,397
40$8,081,016$5,957,975$5,431,662$7,464,133
41$8,843,460$6,188,097$5,551,804$7,980,078
42$9,681,727$6,427,548$5,674,023$8,540,027
43$10,603,488$6,676,723$5,798,328$9,148,150
44$11,617,197$6,936,035$5,924,725$9,809,028
45$12,732,168$7,205,917$6,053,219$10,527,700
46$13,958,660$7,486,819$6,183,814$11,309,701
47$15,307,981$7,779,210$6,316,509$12,161,121
48$16,792,587$8,083,584$6,451,304$13,088,653
49$18,426,204$8,400,452$6,588,196$14,099,659
50$20,223,954$8,730,351$6,727,177$15,202,236
51$22,202,500$9,073,841$6,868,240$16,405,290
52$24,380,202$9,431,507$7,011,374$17,718,619
53$26,777,291$9,803,959$7,156,563$19,153,000
54$29,416,058$10,191,836$7,303,791$20,720,294
55$32,321,064$10,595,804$7,453,037$22,433,549
56$35,519,375$11,016,561$7,604,276$24,307,126
57$39,040,814$11,454,835$7,757,481$26,356,828
58$42,918,240$11,911,385$7,912,620$28,600,049
59$47,187,865$12,387,007$8,069,657$31,055,933
60$51,889,588$12,882,532$8,228,552$33,745,553
61$57,067,377$13,398,827$8,389,259$36,692,108
62$62,769,679$13,936,799$8,551,729$39,921,134
63$69,049,881$14,497,397$8,715,907$43,460,746
64$75,966,812$15,081,612$8,881,732$47,341,901
65$83,585,295$15,690,479$9,049,139$51,598,679
66$91,976,764$16,325,082$9,218,054$56,268,608
67$101,219,935$16,986,552$9,388,400$61,393,012
68$111,401,548$17,676,072$9,560,091$67,017,396
69$122,617,186$18,394,881$9,733,034$73,191,870
70$134,972,179$19,144,270$9,907,131$79,971,621
71$148,582,595$19,925,592$10,082,273$87,417,425
72$163,576,335$20,740,262$10,258,345$95,596,218
73$180,094,344$21,589,758$10,435,222$104,581,722
74$198,291,937$22,475,625$10,612,772$114,455,136
75$218,340,264$23,399,481$10,790,850$125,305,894
76$240,427,932$24,363,016$10,969,304$137,232,506
77$264,762,776$25,367,999$11,147,970$150,343,481
78$291,573,827$26,416,278$11,326,675$164,758,346
79$321,113,470$27,509,789$11,505,231$180,608,762
80$353,659,829$28,650,553$11,683,442$198,039,767
81$389,519,389$29,840,688$11,861,095$217,211,132
82$429,029,891$31,082,407$12,037,966$238,298,865
83$472,563,520$32,378,024$12,213,818$261,496,863
84$520,530,415$33,729,964$12,388,396$287,018,731
85$573,382,544$35,140,758$12,561,434$315,099,797
86$631,617,968$36,613,060$12,732,647$345,999,314
87$695,785,543$38,149,642$12,901,733$380,002,908
88$766,490,100$39,753,407$13,068,373$417,425,256
89$844,398,157$41,427,391$13,232,231$458,613,050
90$930,244,207$43,174,771$13,392,948$503,948,260
91$1,024,837,654$44,998,872$13,550,149$553,851,724
92$1,129,070,451$46,903,173$13,703,436$608,787,112
93$1,243,925,523$48,891,314$13,852,387$669,265,289
94$1,370,486,043$50,967,106$13,996,559$735,849,125
95$1,509,945,661$53,134,535$14,135,485$809,158,797
96$1,663,619,765$55,397,775$14,268,671$889,877,626
97$1,832,957,908$57,761,192$14,395,597$978,758,512
98$2,019,557,482$60,229,358$14,515,717$1,076,631,031
99$2,225,178,805$62,807,057$14,628,454$1,184,409,245
100$2,451,761,737$65,499,296$14,733,201$1,303,100,318