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%19.8%
1 years$412,895$409,217$405,629$402,127$398,707$383,039
2 years$204,404$200,597$196,907$193,330$189,860$174,267
3 years$134,915$131,092$127,412$123,869$120,455$105,427
4 years$100,178$96,367$92,723$89,240$85,910$71,562
5 years$79,341$75,553$71,957$68,545$65,307$51,676
6 years$65,455$61,694$58,152$54,816$51,675$38,769
7 years$55,539$51,811$48,325$45,067$42,026$29,840
8 years$48,106$44,411$40,983$37,806$34,865$23,388
9 years$42,328$38,668$35,299$32,202$29,361$18,575
10 years$37,708$34,084$30,774$27,759$25,017$14,902
11 years$33,931$30,343$27,093$24,158$21,515$12,048
12 years$30,785$27,234$24,044$21,190$18,645$9,799
13 years$28,126$24,612$21,482$18,708$16,259$8,009
14 years$25,848$22,371$19,302$16,607$14,252$6,570
15 years$23,876$20,437$17,427$14,810$12,549$5,407
16 years$22,152$18,750$15,800$13,261$11,091$4,461
17 years$20,632$17,268$14,377$11,915$9,834$3,688
18 years$19,283$15,957$13,125$10,738$8,744$3,054
19 years$18,077$14,789$12,015$9,702$7,793$2,532
20 years$16,993$13,742$11,027$8,787$6,961$2,102
21 years$16,014$12,800$10,143$7,975$6,230$1,747
22 years$15,125$11,949$9,348$7,251$5,584$1,452
23 years$14,314$11,175$8,631$6,604$5,012$1,209
24 years$13,572$10,471$7,982$6,023$4,505$1,006
25 years$12,891$9,826$7,393$5,501$4,054$838
26 years$12,263$9,235$6,857$5,029$3,652$698
27 years$11,682$8,691$6,367$4,604$3,292$582
28 years$11,144$8,190$5,919$4,218$2,971$485
29 years$10,644$7,726$5,508$3,868$2,683$405
30 years$10,178$7,296$5,131$3,550$2,424$337
31 years$9,743$6,898$4,783$3,260$2,191$281
32 years$9,336$6,526$4,463$2,996$1,982$235
33 years$8,954$6,181$4,167$2,755$1,794$196
34 years$8,596$5,858$3,893$2,535$1,624$163
35 years$8,259$5,556$3,640$2,334$1,471$136
36 years$7,941$5,274$3,405$2,149$1,333$114
37 years$7,641$5,009$3,187$1,980$1,208$95
38 years$7,358$4,760$2,985$1,825$1,095$79
39 years$7,090$4,526$2,796$1,683$993$66
40 years$6,836$4,306$2,621$1,552$901$55
41 years$6,595$4,099$2,458$1,432$817$46
42 years$6,366$3,904$2,305$1,322$742$38
43 years$6,148$3,720$2,163$1,220$673$32
44 years$5,941$3,546$2,031$1,127$611$27
45 years$5,743$3,381$1,907$1,040$555$22
46 years$5,555$3,225$1,791$961$504$19
47 years$5,375$3,078$1,682$888$457$16
48 years$5,203$2,938$1,581$820$415$13
49 years$5,039$2,806$1,486$758$377$11
50 years$4,882$2,680$1,397$701$343$9

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 $3,742 every year, while hoping to spend $24,006 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: 65/10/25 Blend
34$5,000,000$5,000,000$5,000,000$5,000,000
35$5,513,860$5,248,860$5,171,360$5,836,026
36$6,050,731$5,480,512$5,319,058$6,285,389
37$6,641,559$5,722,710$5,470,900$6,773,301
38$7,291,822$5,975,946$5,626,998$7,306,047
39$8,007,555$6,240,735$5,787,470$7,888,033
40$8,795,409$6,517,615$5,952,434$8,524,111
41$9,662,714$6,807,151$6,122,014$9,219,621
42$10,617,545$7,109,936$6,296,336$9,980,444
43$11,668,799$7,426,587$6,475,528$10,813,050
44$12,826,282$7,757,755$6,659,723$11,724,565
45$14,100,797$8,104,119$6,849,057$12,722,835
46$15,504,248$8,466,391$7,043,671$13,816,497
47$17,049,754$8,845,317$7,243,707$15,015,065
48$18,751,771$9,241,679$7,449,313$16,329,011
49$20,626,226$9,656,296$7,660,639$17,769,870
50$22,690,670$10,090,024$7,877,840$19,350,345
51$24,964,447$10,543,763$8,101,076$21,084,426
52$27,468,867$11,018,454$8,330,508$22,987,519
53$30,227,417$11,515,084$8,566,306$25,076,594
54$33,265,975$12,034,685$8,808,639$27,370,341
55$36,613,061$12,578,340$9,057,684$29,889,346
56$40,300,098$13,147,184$9,313,622$32,656,287
57$44,361,718$13,742,406$9,576,638$35,696,139
58$48,836,079$14,365,250$9,846,922$39,036,418
59$53,765,234$15,017,022$10,124,668$42,707,431
60$59,195,520$15,699,088$10,410,077$46,742,568
61$65,178,002$16,412,882$10,703,353$51,178,606
62$71,768,950$17,159,905$11,004,707$56,056,067
63$79,030,373$17,941,731$11,314,355$61,419,586
64$87,030,602$18,760,006$11,632,516$67,318,340
65$95,844,936$19,616,460$11,959,419$73,806,506
66$105,556,356$20,512,902$12,295,296$80,943,772
67$116,256,300$21,451,230$12,640,384$88,795,897
68$128,045,534$22,433,432$12,994,928$97,435,331
69$141,035,099$23,461,591$13,359,179$106,941,896
70$155,347,361$24,537,891$13,733,393$117,403,539
71$171,117,164$25,664,619$14,117,834$128,917,156
72$188,493,104$26,844,176$14,512,771$141,589,510
73$207,638,934$28,079,073$14,918,482$155,538,229
74$228,735,103$29,371,945$15,335,249$170,892,921
75$251,980,466$30,725,554$15,763,363$187,796,391
76$277,594,160$32,142,793$16,203,122$206,405,985
77$305,817,669$33,626,694$16,654,831$226,895,078
78$336,917,107$35,180,437$17,118,803$249,454,699
79$371,185,727$36,807,353$17,595,358$274,295,341
80$408,946,693$38,510,936$18,084,824$301,648,935
81$450,556,128$40,294,844$18,587,539$331,771,045
82$496,406,477$42,162,916$19,103,845$364,943,270
83$546,930,211$44,119,172$19,634,098$401,475,903
84$602,603,910$46,167,828$20,178,657$441,710,853
85$663,952,760$48,313,304$20,737,893$486,024,871
86$731,555,516$50,560,230$21,312,187$534,833,103
87$806,049,959$52,913,462$21,901,926$588,593,003
88$888,138,923$55,378,089$22,507,508$647,808,646
89$978,596,925$57,959,447$23,129,341$713,035,484
90$1,078,277,479$60,663,128$23,767,843$784,885,585
91$1,188,121,156$63,494,995$24,423,439$864,033,405
92$1,309,164,458$66,461,194$25,096,569$951,222,149
93$1,442,549,608$69,568,168$25,787,679$1,047,270,783
94$1,589,535,329$72,822,670$26,497,227$1,153,081,757
95$1,751,508,733$76,231,780$27,225,685$1,269,649,524
96$1,929,998,409$79,802,923$27,973,530$1,398,069,915
97$2,126,688,859$83,543,879$28,741,256$1,539,550,484
98$2,343,436,399$87,462,805$29,529,365$1,695,421,894
99$2,582,286,685$91,568,256$30,338,372$1,867,150,481
100$2,845,494,023$95,869,196$31,168,803$2,056,352,080