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

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 $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%14%
1 years$412,895$409,217$405,629$402,127$398,707$392,102
2 years$204,404$200,597$196,907$193,330$189,860$183,225
3 years$134,915$131,092$127,412$123,869$120,455$113,996
4 years$100,178$96,367$92,723$89,240$85,910$79,677
5 years$79,341$75,553$71,957$68,545$65,307$59,319
6 years$65,455$61,694$58,152$54,816$51,675$45,938
7 years$55,539$51,811$48,325$45,067$42,026$36,541
8 years$48,106$44,411$40,983$37,806$34,865$29,631
9 years$42,328$38,668$35,299$32,202$29,361$24,376
10 years$37,708$34,084$30,774$27,759$25,017$20,277
11 years$33,931$30,343$27,093$24,158$21,515$17,015
12 years$30,785$27,234$24,044$21,190$18,645$14,378
13 years$28,126$24,612$21,482$18,708$16,259$12,219
14 years$25,848$22,371$19,302$16,607$14,252$10,433
15 years$23,876$20,437$17,427$14,810$12,549$8,943
16 years$22,152$18,750$15,800$13,261$11,091$7,691
17 years$20,632$17,268$14,377$11,915$9,834$6,633
18 years$19,283$15,957$13,125$10,738$8,744$5,733
19 years$18,077$14,789$12,015$9,702$7,793$4,965
20 years$16,993$13,742$11,027$8,787$6,961$4,308
21 years$16,014$12,800$10,143$7,975$6,230$3,743
22 years$15,125$11,949$9,348$7,251$5,584$3,256
23 years$14,314$11,175$8,631$6,604$5,012$2,835
24 years$13,572$10,471$7,982$6,023$4,505$2,471
25 years$12,891$9,826$7,393$5,501$4,054$2,156
26 years$12,263$9,235$6,857$5,029$3,652$1,882
27 years$11,682$8,691$6,367$4,604$3,292$1,644
28 years$11,144$8,190$5,919$4,218$2,971$1,437
29 years$10,644$7,726$5,508$3,868$2,683$1,256
30 years$10,178$7,296$5,131$3,550$2,424$1,099
31 years$9,743$6,898$4,783$3,260$2,191$962
32 years$9,336$6,526$4,463$2,996$1,982$842
33 years$8,954$6,181$4,167$2,755$1,794$737
34 years$8,596$5,858$3,893$2,535$1,624$645
35 years$8,259$5,556$3,640$2,334$1,471$565
36 years$7,941$5,274$3,405$2,149$1,333$495
37 years$7,641$5,009$3,187$1,980$1,208$434
38 years$7,358$4,760$2,985$1,825$1,095$380
39 years$7,090$4,526$2,796$1,683$993$333
40 years$6,836$4,306$2,621$1,552$901$292
41 years$6,595$4,099$2,458$1,432$817$256
42 years$6,366$3,904$2,305$1,322$742$225
43 years$6,148$3,720$2,163$1,220$673$197
44 years$5,941$3,546$2,031$1,127$611$173
45 years$5,743$3,381$1,907$1,040$555$151
46 years$5,555$3,225$1,791$961$504$133
47 years$5,375$3,078$1,682$888$457$116
48 years$5,203$2,938$1,581$820$415$102
49 years$5,039$2,806$1,486$758$377$90
50 years$4,882$2,680$1,397$701$343$79

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 $3,411 every year, while hoping to spend $30,730 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: 32/42/26 Blend
34$5,000,000$5,000,000$5,000,000$5,000,000
35$5,513,518$5,248,518$5,171,018$5,645,966
36$6,043,201$5,472,999$5,311,551$5,971,660
37$6,625,881$5,707,450$5,455,762$6,319,245
38$7,266,932$5,952,326$5,603,741$6,693,022
39$7,972,274$6,208,105$5,755,582$7,095,315
40$8,748,431$6,475,288$5,911,378$7,528,668
41$9,602,590$6,754,396$6,071,229$7,995,874
42$10,542,671$7,045,977$6,235,231$8,499,992
43$11,577,399$7,350,606$6,403,487$9,044,381
44$12,716,390$7,668,882$6,576,100$9,632,723
45$13,970,238$8,001,433$6,753,175$10,269,059
46$15,350,616$8,348,918$6,934,821$10,957,825
47$16,870,389$8,712,025$7,121,148$11,703,890
48$18,543,730$9,091,476$7,312,268$12,512,601
49$20,386,258$9,488,025$7,508,296$13,389,829
50$22,415,182$9,902,464$7,709,349$14,342,023
51$24,649,466$10,335,620$7,915,548$15,376,267
52$27,110,008$10,788,362$8,127,015$16,500,346
53$29,819,833$11,261,595$8,343,874$17,722,812
54$32,804,315$11,756,273$8,566,253$19,053,069
55$36,091,414$12,273,389$8,794,282$20,501,448
56$39,711,941$12,813,988$9,028,092$22,079,309
57$43,699,846$13,379,160$9,267,821$23,799,144
58$48,092,542$13,970,051$9,513,605$25,674,686
59$52,931,256$14,587,858$9,765,585$27,721,039
60$58,261,416$15,233,835$10,023,904$29,954,815
61$64,133,085$15,909,298$10,288,710$32,394,285
62$70,601,428$16,615,621$10,560,149$35,059,551
63$77,727,234$17,354,248$10,838,375$37,972,724
64$85,577,494$18,126,688$11,123,543$41,158,136
65$94,226,026$18,934,523$11,415,809$44,642,557
66$103,754,176$19,779,410$11,715,334$48,455,446
67$114,251,586$20,663,085$12,022,282$52,629,224
68$125,817,038$21,587,366$12,336,818$57,199,571
69$138,559,387$22,554,159$12,659,113$62,205,759
70$152,598,590$23,565,458$12,989,339$67,691,014
71$168,066,835$24,623,355$13,327,671$73,702,920
72$185,109,792$25,730,039$13,674,288$80,293,860
73$203,887,985$26,887,805$14,029,370$87,521,499
74$224,578,309$28,099,056$14,393,104$95,449,328
75$247,375,699$29,366,312$14,765,675$104,147,248
76$272,494,970$30,692,212$15,147,275$113,692,226
77$300,172,846$32,079,519$15,538,098$124,169,011
78$330,670,192$33,531,131$15,938,340$135,670,923
79$364,274,478$35,050,084$16,348,201$148,300,727
80$401,302,494$36,639,556$16,767,884$162,171,591
81$442,103,335$38,302,882$17,197,595$177,408,145
82$487,061,704$40,043,551$17,637,543$194,147,644
83$536,601,537$41,865,225$18,087,940$212,541,256
84$591,190,008$43,771,735$18,549,001$232,755,471
85$651,341,940$45,767,101$19,020,944$254,973,664
86$717,624,661$47,855,533$19,503,988$279,397,815
87$790,663,364$50,041,441$19,998,359$306,250,393
88$871,147,005$52,329,450$20,504,283$335,776,453
89$959,834,812$54,724,405$21,021,988$368,245,922
90$1,057,563,445$57,231,383$21,551,707$403,956,143
91$1,165,254,901$59,855,705$22,093,674$443,234,654
92$1,283,925,215$62,602,949$22,648,126$486,442,273
93$1,414,694,053$65,478,959$23,215,304$533,976,477
94$1,558,795,278$68,489,860$23,795,449$586,275,140
95$1,717,588,605$71,642,072$24,388,805$643,820,647
96$1,892,572,432$74,942,323$24,995,619$707,144,422
97$2,085,397,988$78,397,664$25,616,140$776,831,931
98$2,297,884,920$82,015,487$26,250,618$853,528,177
99$2,532,038,474$85,803,538$26,899,306$937,943,770
100$2,790,068,423$89,769,936$27,562,457$1,030,861,613