Can I retire at age 35 with 4,800,000?

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 $4,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$396,380$392,849$389,404$386,042$382,759$369,325
2 years$196,227$192,573$189,031$185,597$182,266$168,873
3 years$129,519$125,849$122,316$118,914$115,637$102,705
4 years$96,171$92,512$89,014$85,671$82,473$70,102
5 years$76,168$72,531$69,079$65,803$62,695$50,916
6 years$62,836$59,227$55,826$52,623$49,608$38,431
7 years$53,318$49,738$46,392$43,265$40,345$29,767
8 years$46,182$42,635$39,344$36,294$33,470$23,483
9 years$40,635$37,121$33,887$30,914$28,187$18,778
10 years$36,200$32,721$29,543$26,648$24,016$15,170
11 years$32,574$29,129$26,009$23,192$20,655$12,352
12 years$29,554$26,145$23,083$20,342$17,899$10,121
13 years$27,001$23,627$20,623$17,959$15,608$8,334
14 years$24,814$21,477$18,530$15,942$13,682$6,890
15 years$22,921$19,619$16,730$14,218$12,047$5,715
16 years$21,266$18,000$15,168$12,730$10,647$4,753
17 years$19,807$16,578$13,802$11,438$9,440$3,961
18 years$18,512$15,318$12,600$10,308$8,394$3,307
19 years$17,354$14,197$11,534$9,314$7,482$2,765
20 years$16,314$13,193$10,586$8,436$6,683$2,315
21 years$15,373$12,288$9,737$7,656$5,980$1,940
22 years$14,520$11,471$8,974$6,961$5,361$1,627
23 years$13,742$10,728$8,286$6,340$4,812$1,366
24 years$13,029$10,052$7,663$5,782$4,325$1,147
25 years$12,375$9,433$7,098$5,281$3,892$964
26 years$11,772$8,866$6,583$4,828$3,506$810
27 years$11,215$8,344$6,113$4,419$3,161$681
28 years$10,698$7,862$5,682$4,049$2,852$573
29 years$10,218$7,417$5,288$3,713$2,575$482
30 years$9,771$7,005$4,926$3,408$2,327$406
31 years$9,353$6,622$4,592$3,130$2,104$342
32 years$8,962$6,265$4,284$2,876$1,903$287
33 years$8,596$5,933$4,000$2,645$1,722$242
34 years$8,252$5,624$3,738$2,434$1,559$204
35 years$7,928$5,334$3,494$2,240$1,412$172
36 years$7,624$5,063$3,269$2,063$1,280$145
37 years$7,336$4,808$3,060$1,901$1,160$122
38 years$7,064$4,570$2,865$1,752$1,051$103
39 years$6,806$4,345$2,684$1,616$953$86
40 years$6,562$4,134$2,516$1,490$865$73
41 years$6,331$3,935$2,359$1,375$785$61
42 years$6,111$3,748$2,213$1,269$712$52
43 years$5,902$3,571$2,077$1,171$646$43
44 years$5,703$3,404$1,949$1,082$586$37
45 years$5,513$3,246$1,830$999$532$31
46 years$5,333$3,096$1,719$923$483$26
47 years$5,160$2,955$1,615$852$439$22
48 years$4,995$2,821$1,518$788$399$18
49 years$4,837$2,694$1,427$728$362$16
50 years$4,686$2,573$1,341$673$329$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,800,000, adding $5,556 every year, while hoping to spend $24,938 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: 66/11/23 Blend
34$4,800,000$4,800,000$4,800,000$4,800,000
35$5,295,331$5,040,931$4,966,531$5,613,182
36$5,808,921$5,261,403$5,106,376$6,048,002
37$6,374,061$5,491,842$5,250,070$6,519,855
38$6,995,984$5,732,710$5,397,715$7,035,150
39$7,680,453$5,984,492$5,549,418$7,598,164
40$8,433,821$6,247,694$5,705,285$8,213,598
41$9,263,086$6,522,846$5,865,427$8,886,632
42$10,175,960$6,810,505$6,029,958$9,622,965
43$11,180,940$7,111,252$6,198,995$10,428,872
44$12,287,390$7,425,698$6,372,655$11,311,263
45$13,505,627$7,754,480$6,551,062$12,277,743
46$14,847,019$8,098,267$6,734,341$13,336,689
47$16,324,093$8,457,761$6,922,619$14,497,323
48$17,950,654$8,833,694$7,116,030$15,769,801
49$19,741,910$9,226,835$7,314,707$17,165,306
50$21,714,624$9,637,989$7,518,788$18,696,155
51$23,887,265$10,067,999$7,728,417$20,375,913
52$26,280,184$10,517,749$7,943,737$22,219,517
53$28,915,807$10,988,164$8,164,897$24,243,421
54$31,818,849$11,480,213$8,392,050$26,465,748
55$35,016,540$11,994,911$8,625,352$28,906,458
56$38,538,888$12,533,324$8,864,963$31,587,538
57$42,418,963$13,096,564$9,111,047$34,533,206
58$46,693,201$13,685,800$9,363,771$37,770,140
59$51,401,758$14,302,255$9,623,308$41,327,727
60$56,588,883$14,947,211$9,889,834$45,238,339
61$62,303,334$15,622,010$10,163,529$49,537,640
62$68,598,845$16,328,059$10,444,578$54,264,914
63$75,534,626$17,066,832$10,733,170$59,463,444
64$83,175,926$17,839,875$11,029,499$65,180,910
65$91,594,646$18,648,805$11,333,763$71,469,841
66$100,870,022$19,495,318$11,646,166$78,388,111
67$111,089,366$20,381,190$11,966,914$85,999,479
68$122,348,897$21,308,285$12,296,222$94,374,193
69$134,754,646$22,278,552$12,634,307$103,589,647
70$148,423,455$23,294,036$12,981,391$113,731,113
71$163,484,084$24,356,880$13,337,704$124,892,541
72$180,078,421$25,469,328$13,703,478$137,177,445
73$198,362,829$26,633,734$14,078,953$150,699,879
74$218,509,613$27,852,562$14,464,374$165,585,507
75$240,708,653$29,128,397$14,859,990$181,972,789
76$265,169,193$30,463,947$15,266,057$200,014,288
77$292,121,819$31,862,048$15,682,838$219,878,102
78$321,820,631$33,325,675$16,110,600$241,749,451
79$354,545,648$34,857,945$16,549,617$265,832,423
80$390,605,445$36,462,125$17,000,170$292,351,894
81$430,340,069$38,141,638$17,462,545$321,555,652
82$474,124,250$39,900,073$17,937,034$353,716,728
83$522,370,937$41,741,190$18,423,938$389,135,974
84$575,535,195$43,668,931$18,923,563$428,144,897
85$634,118,504$45,687,427$19,436,221$471,108,783
86$698,673,491$47,801,010$19,962,233$518,430,144
87$769,809,145$50,014,218$20,501,926$570,552,515
88$848,196,571$52,331,808$21,055,634$627,964,630
89$934,575,321$54,758,767$21,623,698$691,205,039
90$1,029,760,379$57,300,321$22,206,467$760,867,180
91$1,134,649,852$59,961,951$22,804,298$837,604,983
92$1,250,233,450$62,749,400$23,417,555$922,139,033
93$1,377,601,828$65,668,686$24,046,609$1,015,263,369
94$1,517,956,884$68,726,121$24,691,840$1,117,852,975
95$1,672,623,105$71,928,321$25,353,636$1,230,872,031
96$1,843,060,072$75,282,218$26,032,392$1,355,383,014
97$2,030,876,235$78,795,083$26,728,514$1,492,556,720
98$2,237,844,105$82,474,536$27,442,412$1,643,683,305
99$2,465,916,979$86,328,564$28,174,509$1,810,184,468
100$2,717,247,389$90,365,542$28,925,233$1,993,626,854