Can I retire at age 35 with 5,000,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $5,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$412,895$409,217$405,629$402,127$398,707$387,030
2 years$204,404$200,597$196,907$193,330$189,860$178,191
3 years$134,915$131,092$127,412$123,869$120,455$109,158
4 years$100,178$96,367$92,723$89,240$85,910$75,072
5 years$79,341$75,553$71,957$68,545$65,307$54,959
6 years$65,455$61,694$58,152$54,816$51,675$41,826
7 years$55,539$51,811$48,325$45,067$42,026$32,675
8 years$48,106$44,411$40,983$37,806$34,865$26,006
9 years$42,328$38,668$35,299$32,202$29,361$20,986
10 years$37,708$34,084$30,774$27,759$25,017$17,115
11 years$33,931$30,343$27,093$24,158$21,515$14,072
12 years$30,785$27,234$24,044$21,190$18,645$11,645
13 years$28,126$24,612$21,482$18,708$16,259$9,688
14 years$25,848$22,371$19,302$16,607$14,252$8,093
15 years$23,876$20,437$17,427$14,810$12,549$6,784
16 years$22,152$18,750$15,800$13,261$11,091$5,703
17 years$20,632$17,268$14,377$11,915$9,834$4,806
18 years$19,283$15,957$13,125$10,738$8,744$4,058
19 years$18,077$14,789$12,015$9,702$7,793$3,431
20 years$16,993$13,742$11,027$8,787$6,961$2,906
21 years$16,014$12,800$10,143$7,975$6,230$2,464
22 years$15,125$11,949$9,348$7,251$5,584$2,091
23 years$14,314$11,175$8,631$6,604$5,012$1,776
24 years$13,572$10,471$7,982$6,023$4,505$1,509
25 years$12,891$9,826$7,393$5,501$4,054$1,283
26 years$12,263$9,235$6,857$5,029$3,652$1,092
27 years$11,682$8,691$6,367$4,604$3,292$929
28 years$11,144$8,190$5,919$4,218$2,971$791
29 years$10,644$7,726$5,508$3,868$2,683$674
30 years$10,178$7,296$5,131$3,550$2,424$574
31 years$9,743$6,898$4,783$3,260$2,191$489
32 years$9,336$6,526$4,463$2,996$1,982$417
33 years$8,954$6,181$4,167$2,755$1,794$356
34 years$8,596$5,858$3,893$2,535$1,624$303
35 years$8,259$5,556$3,640$2,334$1,471$259
36 years$7,941$5,274$3,405$2,149$1,333$220
37 years$7,641$5,009$3,187$1,980$1,208$188
38 years$7,358$4,760$2,985$1,825$1,095$160
39 years$7,090$4,526$2,796$1,683$993$137
40 years$6,836$4,306$2,621$1,552$901$117
41 years$6,595$4,099$2,458$1,432$817$100
42 years$6,366$3,904$2,305$1,322$742$85
43 years$6,148$3,720$2,163$1,220$673$72
44 years$5,941$3,546$2,031$1,127$611$62
45 years$5,743$3,381$1,907$1,040$555$53
46 years$5,555$3,225$1,791$961$504$45
47 years$5,375$3,078$1,682$888$457$38
48 years$5,203$2,938$1,581$820$415$33
49 years$5,039$2,806$1,486$758$377$28
50 years$4,882$2,680$1,397$701$343$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,000,000, adding $2,317 every year, while hoping to spend $36,382 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: 68/24/8 Blend
34$5,000,000$5,000,000$5,000,000$5,000,000
35$5,512,390$5,247,390$5,169,890$5,879,094
36$6,035,944$5,465,802$5,304,371$6,340,974
37$6,611,680$5,693,697$5,442,138$6,841,276
38$7,244,884$5,931,501$5,583,262$7,387,417
39$7,941,378$6,179,659$5,727,817$7,983,878
40$8,707,575$6,438,640$5,875,876$8,635,590
41$9,550,545$6,708,930$6,027,514$9,347,979
42$10,478,073$6,991,040$6,182,809$10,127,015
43$11,498,740$7,285,505$6,341,837$10,979,268
44$12,622,001$7,592,883$6,504,677$11,911,971
45$13,858,271$7,913,761$6,671,410$12,933,083
46$15,219,029$8,248,749$6,842,116$14,051,366
47$16,716,921$8,598,489$7,016,879$15,276,466
48$18,365,883$8,963,652$7,195,780$16,619,001
49$20,181,271$9,344,938$7,378,906$18,090,661
50$22,180,002$9,743,082$7,566,342$19,704,318
51$24,380,723$10,158,853$7,758,174$21,474,142
52$26,803,974$10,593,055$7,954,491$23,415,739
53$29,472,395$11,046,530$8,155,382$25,546,291
54$32,410,929$11,520,159$8,360,937$27,884,720
55$35,647,062$12,014,865$8,571,246$30,451,863
56$39,211,083$12,531,614$8,786,404$33,270,668
57$43,136,366$13,071,416$9,006,501$36,366,407
58$47,459,690$13,635,330$9,231,633$39,766,913
59$52,221,580$14,224,463$9,461,895$43,502,844
60$57,466,695$14,839,975$9,697,381$47,607,962
61$63,244,244$15,483,080$9,938,190$52,119,460
62$69,608,456$16,155,050$10,184,418$57,078,301
63$76,619,086$16,857,215$10,436,164$62,529,607
64$84,341,983$17,590,969$10,693,526$68,523,082
65$92,849,710$18,357,771$10,956,604$75,113,477
66$102,222,228$19,159,150$11,225,498$82,361,106
67$112,547,651$19,996,703$11,500,307$90,332,407
68$123,923,078$20,872,108$11,781,134$99,100,575
69$136,455,508$21,787,118$12,068,079$108,746,241
70$150,262,854$22,743,570$12,361,243$119,358,232
71$165,475,048$23,743,389$12,660,728$131,034,411
72$182,235,275$24,788,587$12,966,635$143,882,590
73$200,701,322$25,881,277$13,279,066$158,021,546
74$221,047,064$27,023,667$13,598,122$173,582,140
75$243,464,110$28,218,071$13,923,903$190,708,548
76$268,163,606$29,466,914$14,256,512$209,559,614
77$295,378,235$30,772,734$14,596,046$230,310,348
78$325,364,408$32,138,190$14,942,606$253,153,572
79$358,404,684$33,566,069$15,296,290$278,301,734
80$394,810,441$35,059,285$15,657,195$305,988,912
81$434,924,813$36,620,897$16,025,418$336,473,014
82$479,125,927$38,254,104$16,401,053$370,038,207
83$527,830,477$39,962,261$16,784,193$406,997,598
84$581,497,653$41,748,878$17,174,931$447,696,176
85$640,633,477$43,617,637$17,573,354$492,514,071
86$705,795,581$45,572,391$17,979,552$541,870,126
87$777,598,472$47,617,179$18,393,608$596,225,851
88$856,719,326$49,756,232$18,815,604$656,089,771
89$943,904,392$51,993,981$19,245,621$722,022,213
90$1,039,976,024$54,335,070$19,683,733$794,640,596
91$1,145,840,454$56,784,364$20,130,014$874,625,243
92$1,262,496,342$59,346,960$20,584,532$962,725,801
93$1,391,044,207$62,028,199$21,047,351$1,059,768,304
94$1,532,696,810$64,833,675$21,518,532$1,166,662,961
95$1,688,790,612$67,769,252$21,998,129$1,284,412,744
96$1,860,798,380$70,841,071$22,486,193$1,414,122,836
97$2,050,343,102$74,055,571$22,982,767$1,557,011,065
98$2,259,213,299$77,419,494$23,487,890$1,714,419,378
99$2,489,379,914$80,939,908$24,001,594$1,887,826,505
100$2,743,014,921$84,624,219$24,523,902$2,078,861,901