Can I retire at age 35 with 5,100,000?

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 $5,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$421,153$417,402$413,742$410,169$406,681$393,034
2 years$208,492$204,609$200,846$197,197$193,658$180,043
3 years$137,614$133,714$129,960$126,346$122,864$109,710
4 years$102,182$98,294$94,578$91,025$87,628$75,034
5 years$80,928$77,064$73,396$69,916$66,613$54,613
6 years$66,764$62,928$59,315$55,912$52,709$41,313
7 years$56,650$52,847$49,291$45,969$42,866$32,072
8 years$49,068$45,300$41,803$38,562$35,562$25,362
9 years$43,175$39,442$36,005$32,846$29,948$20,329
10 years$38,462$34,766$31,390$28,314$25,517$16,465
11 years$34,610$30,950$27,635$24,641$21,946$13,442
12 years$31,401$27,779$24,525$21,614$19,018$11,043
13 years$28,688$25,104$21,912$19,082$16,584$9,118
14 years$26,365$22,819$19,688$16,939$14,537$7,560
15 years$24,353$20,846$17,775$15,106$12,800$6,288
16 years$22,595$19,125$16,116$13,526$11,312$5,244
17 years$21,045$17,614$14,665$12,153$10,030$4,384
18 years$19,669$16,276$13,387$10,952$8,919$3,671
19 years$18,439$15,084$12,255$9,896$7,949$3,079
20 years$17,333$14,017$11,247$8,963$7,101$2,585
21 years$16,334$13,056$10,345$8,135$6,354$2,173
22 years$15,427$12,188$9,535$7,396$5,696$1,829
23 years$14,601$11,399$8,804$6,736$5,113$1,540
24 years$13,844$10,680$8,142$6,144$4,595$1,297
25 years$13,149$10,023$7,541$5,611$4,135$1,093
26 years$12,508$9,420$6,994$5,130$3,725$922
27 years$11,916$8,865$6,495$4,696$3,358$778
28 years$11,367$8,353$6,038$4,302$3,030$657
29 years$10,857$7,881$5,618$3,945$2,736$554
30 years$10,381$7,442$5,233$3,621$2,472$468
31 years$9,938$7,035$4,879$3,325$2,235$395
32 years$9,523$6,657$4,552$3,056$2,022$334
33 years$9,133$6,304$4,250$2,810$1,830$282
34 years$8,768$5,975$3,971$2,586$1,657$238
35 years$8,424$5,667$3,713$2,380$1,501$201
36 years$8,100$5,379$3,473$2,192$1,360$170
37 years$7,794$5,109$3,251$2,020$1,232$144
38 years$7,505$4,855$3,044$1,862$1,117$121
39 years$7,232$4,617$2,852$1,717$1,013$103
40 years$6,973$4,393$2,673$1,583$919$87
41 years$6,727$4,181$2,507$1,461$834$73
42 years$6,493$3,982$2,351$1,348$756$62
43 years$6,271$3,794$2,207$1,245$686$52
44 years$6,060$3,617$2,071$1,149$623$44
45 years$5,858$3,449$1,945$1,061$566$37
46 years$5,666$3,290$1,827$980$514$32
47 years$5,483$3,140$1,716$906$466$27
48 years$5,307$2,997$1,613$837$424$23
49 years$5,140$2,862$1,516$773$385$19
50 years$4,979$2,734$1,425$715$349$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,100,000, adding $4,515 every year, while hoping to spend $43,287 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: 54/37/9 Blend
34$5,100,000$5,100,000$5,100,000$5,100,000
35$5,624,857$5,354,557$5,275,507$5,915,851
36$6,152,536$5,570,873$5,406,180$6,329,841
37$6,732,586$5,796,338$5,539,779$6,775,064
38$7,370,306$6,031,355$5,676,357$7,258,593
39$8,071,529$6,276,343$5,815,967$7,784,068
40$8,842,685$6,531,744$5,958,662$8,355,490
41$9,690,856$6,798,017$6,104,494$8,977,258
42$10,623,847$7,075,643$6,253,518$9,654,208
43$11,650,255$7,365,125$6,405,787$10,391,656
44$12,779,554$7,666,989$6,561,354$11,195,449
45$14,022,182$7,981,785$6,720,273$12,072,018
46$15,389,641$8,310,089$6,882,598$13,028,434
47$16,894,601$8,652,500$7,048,382$14,072,478
48$18,551,028$9,009,650$7,217,680$15,212,707
49$20,374,304$9,382,195$7,390,544$16,458,538
50$22,381,384$9,770,823$7,567,028$17,820,330
51$24,590,946$10,176,254$7,747,185$19,309,485
52$27,023,574$10,599,242$7,931,066$20,938,546
53$29,701,946$11,040,572$8,118,725$22,721,323
54$32,651,055$11,501,070$8,310,212$24,673,010
55$35,898,437$11,981,597$8,505,579$26,810,334
56$39,474,437$12,483,055$8,704,875$29,151,708
57$43,412,491$13,006,386$8,908,150$31,717,399
58$47,749,444$13,552,578$9,115,452$34,529,721
59$52,525,896$14,122,663$9,326,828$37,613,239
60$57,786,585$14,717,721$9,542,325$40,995,000
61$63,580,810$15,338,883$9,761,986$44,704,784
62$69,962,897$15,987,332$9,985,856$48,775,381
63$76,992,706$16,664,306$10,213,977$53,242,900
64$84,736,205$17,371,099$10,446,387$58,147,102
65$93,266,083$18,109,068$10,683,127$63,531,774
66$102,662,442$18,879,631$10,924,230$69,445,136
67$113,013,551$19,684,273$11,169,732$75,940,296
68$124,416,679$20,524,548$11,419,664$83,075,742
69$136,979,012$21,402,083$11,674,054$90,915,893
70$150,818,666$22,318,580$11,932,929$99,531,701
71$166,065,800$23,275,820$12,196,312$109,001,315
72$182,863,845$24,275,669$12,464,223$119,410,815
73$201,370,861$25,320,080$12,736,678$130,855,017
74$221,761,022$26,411,097$13,013,689$143,438,365
75$244,226,264$27,550,859$13,295,266$157,275,907
76$268,978,098$28,741,606$13,581,413$172,494,380
77$296,249,603$29,985,684$13,872,129$189,233,394
78$326,297,627$31,285,547$14,167,410$207,646,749
79$359,405,213$32,643,767$14,467,246$227,903,872
80$395,884,267$34,063,034$14,771,621$250,191,419
81$436,078,506$35,546,166$15,080,514$274,715,019
82$480,366,699$37,096,114$15,393,897$301,701,214
83$529,166,246$38,715,967$15,711,736$331,399,587
84$582,937,114$40,408,961$16,033,991$364,085,106
85$642,186,183$42,178,482$16,360,612$400,060,717
86$707,472,024$44,028,079$16,691,543$439,660,187
87$779,410,182$45,961,466$17,026,721$483,251,249
88$858,678,976$47,982,533$17,366,071$531,239,062
89$946,025,909$50,095,354$17,709,512$584,070,024
90$1,042,274,721$52,304,197$18,056,951$642,235,975
91$1,148,333,170$54,613,529$18,408,285$706,278,827
92$1,265,201,592$57,028,031$18,763,402$776,795,668
93$1,393,982,354$59,552,604$19,122,176$854,444,386
94$1,535,890,255$62,192,383$19,484,470$939,949,864
95$1,692,263,996$64,952,744$19,850,134$1,034,110,809
96$1,864,578,816$67,839,321$20,219,006$1,137,807,279
97$2,054,460,420$70,858,013$20,590,908$1,252,008,972
98$2,263,700,326$74,014,999$20,965,646$1,377,784,366
99$2,494,272,779$77,316,753$21,343,015$1,516,310,789
100$2,748,353,385$80,770,056$21,722,788$1,668,885,511