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%13.3%
1 years$421,153$417,402$413,742$410,169$406,681$401,101
2 years$208,492$204,609$200,846$197,197$193,658$188,045
3 years$137,614$133,714$129,960$126,346$122,864$117,395
4 years$102,182$98,294$94,578$91,025$87,628$82,343
5 years$80,928$77,064$73,396$69,916$66,613$61,528
6 years$66,764$62,928$59,315$55,912$52,709$47,830
7 years$56,650$52,847$49,291$45,969$42,866$38,195
8 years$49,068$45,300$41,803$38,562$35,562$31,098
9 years$43,175$39,442$36,005$32,846$29,948$25,689
10 years$38,462$34,766$31,390$28,314$25,517$21,461
11 years$34,610$30,950$27,635$24,641$21,946$18,087
12 years$31,401$27,779$24,525$21,614$19,018$15,353
13 years$28,688$25,104$21,912$19,082$16,584$13,108
14 years$26,365$22,819$19,688$16,939$14,537$11,245
15 years$24,353$20,846$17,775$15,106$12,800$9,685
16 years$22,595$19,125$16,116$13,526$11,312$8,370
17 years$21,045$17,614$14,665$12,153$10,030$7,254
18 years$19,669$16,276$13,387$10,952$8,919$6,302
19 years$18,439$15,084$12,255$9,896$7,949$5,486
20 years$17,333$14,017$11,247$8,963$7,101$4,784
21 years$16,334$13,056$10,345$8,135$6,354$4,179
22 years$15,427$12,188$9,535$7,396$5,696$3,654
23 years$14,601$11,399$8,804$6,736$5,113$3,200
24 years$13,844$10,680$8,142$6,144$4,595$2,804
25 years$13,149$10,023$7,541$5,611$4,135$2,460
26 years$12,508$9,420$6,994$5,130$3,725$2,160
27 years$11,916$8,865$6,495$4,696$3,358$1,897
28 years$11,367$8,353$6,038$4,302$3,030$1,667
29 years$10,857$7,881$5,618$3,945$2,736$1,466
30 years$10,381$7,442$5,233$3,621$2,472$1,290
31 years$9,938$7,035$4,879$3,325$2,235$1,135
32 years$9,523$6,657$4,552$3,056$2,022$1,000
33 years$9,133$6,304$4,250$2,810$1,830$880
34 years$8,768$5,975$3,971$2,586$1,657$775
35 years$8,424$5,667$3,713$2,380$1,501$683
36 years$8,100$5,379$3,473$2,192$1,360$602
37 years$7,794$5,109$3,251$2,020$1,232$531
38 years$7,505$4,855$3,044$1,862$1,117$468
39 years$7,232$4,617$2,852$1,717$1,013$413
40 years$6,973$4,393$2,673$1,583$919$364
41 years$6,727$4,181$2,507$1,461$834$321
42 years$6,493$3,982$2,351$1,348$756$283
43 years$6,271$3,794$2,207$1,245$686$250
44 years$6,060$3,617$2,071$1,149$623$220
45 years$5,858$3,449$1,945$1,061$566$194
46 years$5,666$3,290$1,827$980$514$171
47 years$5,483$3,140$1,716$906$466$151
48 years$5,307$2,997$1,613$837$424$133
49 years$5,140$2,862$1,516$773$385$118
50 years$4,979$2,734$1,425$715$349$104

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 $5,119 every year, while hoping to spend $25,483 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: 62/9/29 Blend
34$5,100,000$5,100,000$5,100,000$5,100,000
35$5,625,480$5,355,180$5,276,130$5,930,063
36$6,172,166$5,590,470$5,425,767$6,373,148
37$6,773,759$5,836,436$5,579,562$6,853,563
38$7,435,833$6,093,572$5,737,629$7,377,638
39$8,164,531$6,362,400$5,900,082$7,949,653
40$8,966,618$6,643,462$6,067,040$8,574,319
41$9,849,551$6,937,330$6,238,624$9,256,819
42$10,821,546$7,244,600$6,414,959$10,002,862
43$11,891,656$7,565,898$6,596,172$10,818,729
44$13,069,856$7,901,878$6,782,395$11,711,338
45$14,367,138$8,253,226$6,973,761$12,688,304
46$15,795,613$8,620,662$7,170,409$13,758,011
47$17,368,628$9,004,937$7,372,481$14,929,691
48$19,100,890$9,406,840$7,580,120$16,213,511
49$21,008,602$9,827,197$7,793,476$17,620,664
50$23,109,624$10,266,874$8,012,702$19,163,480
51$25,423,631$10,726,776$8,237,953$20,855,535
52$27,972,307$11,207,854$8,469,390$22,711,781
53$30,779,545$11,711,101$8,707,177$24,748,687
54$33,871,674$12,237,561$8,951,483$26,984,390
55$37,277,708$12,788,324$9,202,481$29,438,870
56$41,029,617$13,364,535$9,460,347$32,134,130
57$45,162,633$13,967,393$9,725,264$35,094,410
58$49,715,579$14,598,152$9,997,417$38,346,410
59$54,731,236$15,258,129$10,276,998$41,919,541
60$60,256,746$15,948,702$10,564,202$45,846,202
61$66,344,061$16,671,315$10,859,229$50,162,084
62$73,050,427$17,427,481$11,162,286$54,906,505
63$80,438,929$18,218,787$11,473,581$60,122,780
64$88,579,086$19,046,893$11,793,332$65,858,629
65$97,547,503$19,913,541$12,121,759$72,166,623
66$107,428,600$20,820,556$12,459,089$79,104,680
67$118,315,402$21,769,849$12,805,554$86,736,610
68$130,310,425$22,763,423$13,161,392$95,132,715
69$143,526,636$23,803,378$13,526,846$104,370,452
70$158,088,524$24,891,914$13,902,166$114,535,158
71$174,133,272$26,031,337$14,287,608$125,720,857
72$191,812,056$27,224,063$14,683,433$138,031,145
73$211,291,468$28,472,624$15,089,910$151,580,163
74$232,755,089$29,779,674$15,507,313$166,493,676
75$256,405,223$31,147,993$15,935,923$182,910,253
76$282,464,809$32,580,498$16,376,030$200,982,575
77$311,179,519$34,080,242$16,827,926$220,878,873
78$342,820,084$35,650,428$17,291,916$242,784,514
79$377,684,844$37,294,410$17,768,306$266,903,746
80$416,102,569$39,015,707$18,257,415$293,461,624
81$458,435,558$40,818,004$18,759,566$322,706,131
82$505,083,065$42,705,166$19,275,091$354,910,518
83$556,485,059$44,681,241$19,804,329$390,375,874
84$613,126,389$46,750,475$20,347,627$429,433,970
85$675,541,349$48,917,317$20,905,341$472,450,387
86$744,318,731$51,186,430$21,477,835$519,827,960
87$820,107,380$53,562,703$22,065,480$572,010,578
88$903,622,317$56,051,260$22,668,658$629,487,371
89$995,651,493$58,657,472$23,287,758$692,797,323
90$1,097,063,226$61,386,968$23,923,178$762,534,354
91$1,208,814,396$64,245,651$24,575,326$839,352,923
92$1,331,959,484$67,239,708$25,244,619$923,974,202
93$1,467,660,520$70,375,622$25,931,483$1,017,192,879
94$1,617,198,059$73,660,194$26,636,354$1,119,884,651
95$1,781,983,266$77,100,548$27,359,676$1,233,014,489
96$1,963,571,241$80,704,157$28,101,907$1,357,645,744
97$2,163,675,699$84,478,851$28,863,512$1,494,950,171
98$2,384,185,147$88,432,841$29,644,966$1,646,218,994
99$2,627,180,716$92,574,735$30,446,757$1,812,875,084
100$2,894,955,807$96,913,555$31,269,381$1,996,486,384