Can I retire at age 35 with 4,900,000?

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 $4,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$404,637$401,033$397,517$394,084$390,733$380,361
2 years$200,316$196,585$192,969$189,464$186,063$175,687
3 years$132,217$128,470$124,864$121,391$118,046$107,989
4 years$98,175$94,439$90,869$87,456$84,192$74,531
5 years$77,754$74,042$70,518$67,174$64,001$54,764
6 years$64,145$60,461$56,989$53,720$50,642$41,837
7 years$54,429$50,775$47,358$44,166$41,185$32,814
8 years$47,144$43,523$40,163$37,050$34,167$26,224
9 years$41,482$37,895$34,593$31,558$28,774$21,252
10 years$36,954$33,402$30,159$27,203$24,517$17,408
11 years$33,252$29,736$26,551$23,675$21,085$14,377
12 years$30,170$26,690$23,564$20,766$18,272$11,953
13 years$27,563$24,120$21,053$18,334$15,934$9,991
14 years$25,331$21,924$18,916$16,274$13,967$8,387
15 years$23,398$20,028$17,078$14,514$12,298$7,065
16 years$21,709$18,375$15,484$12,996$10,869$5,969
17 years$20,220$16,923$14,090$11,676$9,637$5,056
18 years$18,897$15,638$12,862$10,523$8,569$4,291
19 years$17,716$14,493$11,775$9,508$7,638$3,648
20 years$16,654$13,467$10,806$8,612$6,822$3,106
21 years$15,694$12,544$9,940$7,816$6,105$2,647
22 years$14,822$11,710$9,161$7,106$5,472$2,259
23 years$14,028$10,952$8,459$6,472$4,912$1,929
24 years$13,301$10,261$7,823$5,903$4,415$1,649
25 years$12,633$9,630$7,245$5,391$3,973$1,410
26 years$12,017$9,050$6,720$4,929$3,579$1,206
27 years$11,448$8,517$6,240$4,512$3,227$1,033
28 years$10,921$8,026$5,801$4,134$2,911$884
29 years$10,431$7,571$5,398$3,791$2,629$758
30 years$9,974$7,150$5,028$3,479$2,375$649
31 years$9,548$6,760$4,688$3,195$2,148$556
32 years$9,149$6,396$4,374$2,936$1,943$477
33 years$8,775$6,057$4,084$2,700$1,758$409
34 years$8,424$5,741$3,816$2,484$1,592$351
35 years$8,094$5,445$3,567$2,287$1,442$301
36 years$7,782$5,168$3,337$2,106$1,306$258
37 years$7,489$4,908$3,123$1,941$1,184$221
38 years$7,211$4,665$2,925$1,789$1,073$190
39 years$6,948$4,436$2,740$1,649$973$163
40 years$6,699$4,220$2,569$1,521$883$140
41 years$6,463$4,017$2,408$1,404$801$120
42 years$6,238$3,826$2,259$1,295$727$103
43 years$6,025$3,645$2,120$1,196$660$88
44 years$5,822$3,475$1,990$1,104$599$76
45 years$5,628$3,314$1,869$1,020$544$65
46 years$5,444$3,161$1,755$942$493$56
47 years$5,268$3,017$1,649$870$448$48
48 years$5,099$2,880$1,549$804$407$41
49 years$4,938$2,750$1,456$743$370$35
50 years$4,784$2,627$1,369$687$336$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $4,900,000, adding $5,077 every year, while hoping to spend $25,557 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: 44/30/26 Blend
34$4,900,000$4,900,000$4,900,000$4,900,000
35$5,405,037$5,145,337$5,069,387$5,601,869
36$5,929,158$5,370,266$5,212,019$5,967,332
37$6,505,883$5,605,360$5,358,573$6,360,397
38$7,140,551$5,851,090$5,509,152$6,785,988
39$7,839,043$6,107,950$5,663,865$7,247,142
40$8,607,842$6,376,455$5,822,820$7,747,193
41$9,454,088$6,657,148$5,986,131$8,289,804
42$10,385,651$6,950,594$6,153,913$8,879,001
43$11,411,201$7,257,387$6,326,283$9,519,206
44$12,540,294$7,578,149$6,503,363$10,215,280
45$13,783,456$7,913,531$6,685,278$10,972,566
46$15,152,289$8,264,214$6,872,155$11,796,939
47$16,659,574$8,630,912$7,064,124$12,694,855
48$18,319,398$9,014,374$7,261,319$13,673,416
49$20,147,280$9,415,383$7,463,878$14,740,432
50$22,160,326$9,834,759$7,671,940$15,904,491
51$24,377,379$10,273,362$7,885,650$17,175,041
52$26,819,208$10,732,093$8,105,156$18,562,474
53$29,508,696$11,211,895$8,330,608$20,078,224
54$32,471,061$11,713,756$8,562,161$21,734,871
55$35,734,090$12,238,711$8,799,975$23,546,257
56$39,328,405$12,787,845$9,044,211$25,527,614
57$43,287,746$13,362,293$9,295,036$27,695,707
58$47,649,298$13,963,247$9,552,621$30,068,984
59$52,454,033$14,591,953$9,817,141$32,667,752
60$57,747,103$15,249,717$10,088,773$35,514,364
61$63,578,263$15,937,909$10,367,703$38,633,425
62$70,002,341$16,657,962$10,654,117$42,052,023
63$77,079,757$17,411,379$10,948,207$45,799,976
64$84,877,090$18,199,735$11,250,170$49,910,119
65$93,467,710$19,024,679$11,560,208$54,418,598
66$102,932,468$19,887,940$11,878,526$59,365,217
67$113,360,460$20,791,328$12,205,336$64,793,803
68$124,849,866$21,736,743$12,540,854$70,752,619
69$137,508,880$22,726,172$12,885,301$77,294,809
70$151,456,731$23,761,699$13,238,903$84,478,902
71$166,824,804$24,845,508$13,601,893$92,369,355
72$183,757,883$25,979,888$13,974,506$101,037,154
73$202,415,521$27,167,236$14,356,985$110,560,483
74$222,973,540$28,410,066$14,749,580$121,025,451
75$245,625,692$29,711,011$15,152,542$132,526,905
76$270,585,494$31,072,831$15,566,133$145,169,310
77$298,088,233$32,498,418$15,990,618$159,067,736
78$328,393,197$33,990,805$16,426,267$174,348,933
79$361,786,116$35,553,167$16,873,360$191,152,521
80$398,581,862$37,188,835$17,332,180$209,632,298
81$439,127,422$38,901,298$17,803,018$229,957,689
82$483,805,170$40,694,212$18,286,170$252,315,330
83$533,036,481$42,571,413$18,781,941$276,910,825
84$587,285,707$44,536,916$19,290,641$303,970,678
85$647,064,557$46,594,934$19,812,586$333,744,416
86$712,936,936$48,749,879$20,348,101$366,506,942
87$785,524,258$51,006,378$20,897,517$402,561,113
88$865,511,322$53,369,280$21,461,173$442,240,590
89$953,652,769$55,843,667$22,039,415$485,912,977
90$1,050,780,212$58,434,867$22,632,596$533,983,278
91$1,157,810,081$61,148,464$23,241,076$586,897,707
92$1,275,752,282$63,990,311$23,865,224$645,147,888
93$1,405,719,723$66,966,544$24,505,417$709,275,479
94$1,548,938,824$70,083,595$25,162,038$779,877,276
95$1,706,761,099$73,348,205$25,835,481$857,610,828
96$1,880,675,906$76,767,443$26,526,145$943,200,627
97$2,072,324,517$80,348,716$27,234,439$1,037,444,934
98$2,283,515,606$84,099,791$27,960,781$1,141,223,296
99$2,516,242,327$88,028,809$28,705,596$1,255,504,829
100$2,772,701,129$92,144,306$29,469,318$1,381,357,353