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%14.2%
1 years$421,153$417,402$413,742$410,169$406,681$399,615
2 years$208,492$204,609$200,846$197,197$193,658$186,562
3 years$137,614$133,714$129,960$126,346$122,864$115,959
4 years$102,182$98,294$94,578$91,025$87,628$80,967
5 years$80,928$77,064$73,396$69,916$66,613$60,216
6 years$66,764$62,928$59,315$55,912$52,709$46,582
7 years$56,650$52,847$49,291$45,969$42,866$37,012
8 years$49,068$45,300$41,803$38,562$35,562$29,978
9 years$43,175$39,442$36,005$32,846$29,948$24,633
10 years$38,462$34,766$31,390$28,314$25,517$20,465
11 years$34,610$30,950$27,635$24,641$21,946$17,151
12 years$31,401$27,779$24,525$21,614$19,018$14,475
13 years$28,688$25,104$21,912$19,082$16,584$12,285
14 years$26,365$22,819$19,688$16,939$14,537$10,476
15 years$24,353$20,846$17,775$15,106$12,800$8,967
16 years$22,595$19,125$16,116$13,526$11,312$7,701
17 years$21,045$17,614$14,665$12,153$10,030$6,631
18 years$19,669$16,276$13,387$10,952$8,919$5,724
19 years$18,439$15,084$12,255$9,896$7,949$4,950
20 years$17,333$14,017$11,247$8,963$7,101$4,288
21 years$16,334$13,056$10,345$8,135$6,354$3,720
22 years$15,427$12,188$9,535$7,396$5,696$3,231
23 years$14,601$11,399$8,804$6,736$5,113$2,809
24 years$13,844$10,680$8,142$6,144$4,595$2,445
25 years$13,149$10,023$7,541$5,611$4,135$2,129
26 years$12,508$9,420$6,994$5,130$3,725$1,856
27 years$11,916$8,865$6,495$4,696$3,358$1,619
28 years$11,367$8,353$6,038$4,302$3,030$1,412
29 years$10,857$7,881$5,618$3,945$2,736$1,233
30 years$10,381$7,442$5,233$3,621$2,472$1,077
31 years$9,938$7,035$4,879$3,325$2,235$941
32 years$9,523$6,657$4,552$3,056$2,022$822
33 years$9,133$6,304$4,250$2,810$1,830$718
34 years$8,768$5,975$3,971$2,586$1,657$628
35 years$8,424$5,667$3,713$2,380$1,501$549
36 years$8,100$5,379$3,473$2,192$1,360$480
37 years$7,794$5,109$3,251$2,020$1,232$420
38 years$7,505$4,855$3,044$1,862$1,117$368
39 years$7,232$4,617$2,852$1,717$1,013$322
40 years$6,973$4,393$2,673$1,583$919$281
41 years$6,727$4,181$2,507$1,461$834$246
42 years$6,493$3,982$2,351$1,348$756$216
43 years$6,271$3,794$2,207$1,245$686$189
44 years$6,060$3,617$2,071$1,149$623$165
45 years$5,858$3,449$1,945$1,061$566$145
46 years$5,666$3,290$1,827$980$514$127
47 years$5,483$3,140$1,716$906$466$111
48 years$5,307$2,997$1,613$837$424$97
49 years$5,140$2,862$1,516$773$385$85
50 years$4,979$2,734$1,425$715$349$74

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 $2,274 every year, while hoping to spend $21,211 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: 69/22/9 Blend
34$5,100,000$5,100,000$5,100,000$5,100,000
35$5,622,546$5,352,246$5,273,196$6,000,751
36$6,173,477$5,591,937$5,427,279$6,491,414
37$6,779,892$5,842,663$5,585,814$7,025,188
38$7,447,429$6,104,941$5,748,926$7,608,532
39$8,182,298$6,379,314$5,916,746$8,246,305
40$8,991,343$6,666,351$6,089,408$8,943,855
41$9,882,106$6,966,649$6,267,049$9,707,067
42$10,862,897$7,280,830$6,449,811$10,542,417
43$11,942,872$7,609,551$6,637,840$11,457,032
44$13,132,121$7,953,495$6,831,284$12,458,756
45$14,441,762$8,313,381$7,030,297$13,556,224
46$15,884,048$8,689,963$7,235,037$14,758,939
47$17,472,476$9,084,027$7,445,667$16,077,364
48$19,221,925$9,496,400$7,662,353$17,523,017
49$21,148,786$9,927,948$7,885,266$19,108,577
50$23,271,123$10,379,579$8,114,584$20,848,006
51$25,608,841$10,852,241$8,350,485$22,756,676
52$28,183,874$11,346,932$8,593,158$24,851,512
53$31,020,393$11,864,696$8,842,792$27,151,152
54$34,145,032$12,406,625$9,099,585$29,676,118
55$37,587,142$12,973,866$9,363,738$32,449,013
56$41,379,066$13,567,621$9,635,459$35,494,724
57$45,556,444$14,189,148$9,914,960$38,840,664
58$50,158,551$14,839,766$10,202,461$42,517,021
59$55,228,667$15,520,858$10,498,187$46,557,043
60$60,814,484$16,233,873$10,802,369$50,997,351
61$66,968,557$16,980,329$11,115,244$55,878,281
62$73,748,802$17,761,817$11,437,057$61,244,259
63$81,219,041$18,580,007$11,768,059$67,144,223
64$89,449,601$19,436,645$12,108,507$73,632,076
65$98,517,984$20,333,564$12,458,666$80,767,197
66$108,509,594$21,272,685$12,818,807$88,614,993
67$119,518,546$22,256,020$13,189,211$97,247,520
68$131,648,552$23,285,679$13,570,164$106,744,149
69$145,013,901$24,363,874$13,961,961$117,192,323
70$159,740,537$25,492,922$14,364,904$128,688,371
71$175,967,249$26,675,253$14,779,306$141,338,414
72$193,846,982$27,913,413$15,205,485$155,259,365
73$213,548,275$29,210,071$15,643,771$170,580,028
74$235,256,861$30,568,027$16,094,499$187,442,304
75$259,177,412$31,990,212$16,558,016$206,002,533
76$285,535,477$33,479,701$17,034,678$226,432,960
77$314,579,606$35,039,717$17,524,851$248,923,356
78$346,583,701$36,673,638$18,028,908$273,682,805
79$381,849,599$38,385,006$18,547,237$300,941,670
80$420,709,921$40,177,534$19,080,232$330,953,764
81$463,531,212$42,055,113$19,628,299$363,998,738
82$510,717,405$44,021,823$20,191,857$400,384,714
83$562,713,629$46,081,941$20,771,333$440,451,186
84$620,010,414$48,239,951$21,367,167$484,572,220
85$683,148,321$50,500,553$21,979,812$533,159,973
86$752,723,045$52,868,675$22,609,731$586,668,582
87$829,391,039$55,349,484$23,257,400$645,598,438
88$913,875,711$57,948,394$23,923,309$710,500,900
89$1,006,974,253$60,671,086$24,607,960$781,983,495
90$1,109,565,169$63,523,510$25,311,868$860,715,642
91$1,222,616,563$66,511,909$26,035,562$947,434,957
92$1,347,195,285$69,642,825$26,779,586$1,042,954,214
93$1,484,477,000$72,923,120$27,544,498$1,148,168,998
94$1,635,757,285$76,359,984$28,330,870$1,264,066,156
95$1,802,463,863$79,960,958$29,139,290$1,391,733,094
96$1,986,170,082$83,733,950$29,970,360$1,532,368,034
97$2,188,609,765$87,687,248$30,824,702$1,687,291,314
98$2,411,693,580$91,829,542$31,702,949$1,857,957,831
99$2,657,527,082$96,169,947$32,605,754$2,045,970,772
100$2,928,430,585$100,718,015$33,533,788$2,253,096,723