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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.5%
1 years$421,153$417,402$413,742$410,169$406,681$394,295
2 years$208,492$204,609$200,846$197,197$193,658$181,285
3 years$137,614$133,714$129,960$126,346$122,864$110,893
4 years$102,182$98,294$94,578$91,025$87,628$76,150
5 years$80,928$77,064$73,396$69,916$66,613$55,660
6 years$66,764$62,928$59,315$55,912$52,709$42,290
7 years$56,650$52,847$49,291$45,969$42,866$32,981
8 years$49,068$45,300$41,803$38,562$35,562$26,203
9 years$43,175$39,442$36,005$32,846$29,948$21,107
10 years$38,462$34,766$31,390$28,314$25,517$17,181
11 years$34,610$30,950$27,635$24,641$21,946$14,099
12 years$31,401$27,779$24,525$21,614$19,018$11,645
13 years$28,688$25,104$21,912$19,082$16,584$9,667
14 years$26,365$22,819$19,688$16,939$14,537$8,059
15 years$24,353$20,846$17,775$15,106$12,800$6,742
16 years$22,595$19,125$16,116$13,526$11,312$5,655
17 years$21,045$17,614$14,665$12,153$10,030$4,755
18 years$19,669$16,276$13,387$10,952$8,919$4,006
19 years$18,439$15,084$12,255$9,896$7,949$3,380
20 years$17,333$14,017$11,247$8,963$7,101$2,856
21 years$16,334$13,056$10,345$8,135$6,354$2,415
22 years$15,427$12,188$9,535$7,396$5,696$2,045
23 years$14,601$11,399$8,804$6,736$5,113$1,733
24 years$13,844$10,680$8,142$6,144$4,595$1,469
25 years$13,149$10,023$7,541$5,611$4,135$1,246
26 years$12,508$9,420$6,994$5,130$3,725$1,058
27 years$11,916$8,865$6,495$4,696$3,358$898
28 years$11,367$8,353$6,038$4,302$3,030$763
29 years$10,857$7,881$5,618$3,945$2,736$648
30 years$10,381$7,442$5,233$3,621$2,472$551
31 years$9,938$7,035$4,879$3,325$2,235$468
32 years$9,523$6,657$4,552$3,056$2,022$398
33 years$9,133$6,304$4,250$2,810$1,830$339
34 years$8,768$5,975$3,971$2,586$1,657$288
35 years$8,424$5,667$3,713$2,380$1,501$245
36 years$8,100$5,379$3,473$2,192$1,360$208
37 years$7,794$5,109$3,251$2,020$1,232$177
38 years$7,505$4,855$3,044$1,862$1,117$151
39 years$7,232$4,617$2,852$1,717$1,013$128
40 years$6,973$4,393$2,673$1,583$919$109
41 years$6,727$4,181$2,507$1,461$834$93
42 years$6,493$3,982$2,351$1,348$756$79
43 years$6,271$3,794$2,207$1,245$686$67
44 years$6,060$3,617$2,071$1,149$623$57
45 years$5,858$3,449$1,945$1,061$566$49
46 years$5,666$3,290$1,827$980$514$41
47 years$5,483$3,140$1,716$906$466$35
48 years$5,307$2,997$1,613$837$424$30
49 years$5,140$2,862$1,516$773$385$26
50 years$4,979$2,734$1,425$715$349$22

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 $3,514 every year, while hoping to spend $36,844 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: 54/21/25 Blend
34$5,100,000$5,100,000$5,100,000$5,100,000
35$5,623,825$5,353,525$5,274,475$5,888,479
36$6,158,253$5,576,646$5,411,968$6,294,341
37$6,745,958$5,809,465$5,552,832$6,731,847
38$7,392,336$6,052,418$5,697,142$7,207,393
39$8,103,330$6,305,962$5,844,972$7,724,637
40$8,885,490$6,570,575$5,996,399$8,287,602
41$9,746,032$6,846,756$6,151,501$8,900,711
42$10,692,908$7,135,027$6,310,357$9,568,832
43$11,734,878$7,435,937$6,473,047$10,297,319
44$12,881,595$7,750,057$6,639,653$11,092,065
45$14,143,694$8,077,986$6,810,257$11,959,551
46$15,532,894$8,420,351$6,984,945$12,906,911
47$17,062,109$8,777,808$7,163,801$13,941,997
48$18,745,568$9,151,044$7,346,911$15,073,448
49$20,598,947$9,540,777$7,534,364$16,310,777
50$22,639,523$9,947,758$7,726,249$17,664,451
51$24,886,332$10,372,775$7,922,655$19,145,996
52$27,360,348$10,816,652$8,123,675$20,768,099
53$30,084,686$11,280,251$8,329,400$22,544,728
54$33,084,815$11,764,473$8,539,926$24,491,263
55$36,388,798$12,270,265$8,755,346$26,624,636
56$40,027,562$12,798,614$8,975,756$28,963,495
57$44,035,183$13,350,556$9,201,254$31,528,370
58$48,449,214$13,927,175$9,431,938$34,341,872
59$53,311,032$14,529,606$9,667,906$37,428,901
60$58,666,236$15,159,035$9,909,260$40,816,878
61$64,565,071$15,816,707$10,156,099$44,536,004
62$71,062,906$16,503,923$10,408,526$48,619,541
63$78,220,755$17,222,047$10,666,644$53,104,124
64$86,105,851$17,972,507$10,930,555$58,030,105
65$94,792,284$18,756,796$11,200,365$63,441,928
66$104,361,698$19,576,480$11,476,179$69,388,550
67$114,904,061$20,433,197$11,758,101$75,923,898
68$126,518,515$21,328,664$12,046,237$83,107,375
69$139,314,312$22,264,678$12,340,695$91,004,419
70$153,411,845$23,243,119$12,641,580$99,687,114
71$168,943,781$24,265,960$12,949,001$109,234,871
72$186,056,318$25,335,263$13,263,064$119,735,172
73$204,910,562$26,453,191$13,583,877$131,284,393
74$225,684,049$27,622,007$13,911,547$143,988,706
75$248,572,419$28,844,083$14,246,180$157,965,085
76$273,791,264$30,121,901$14,587,885$173,342,399
77$301,578,161$31,458,062$14,936,768$190,262,626
78$332,194,918$32,855,291$15,292,933$208,882,191
79$365,930,041$34,316,442$15,656,488$229,373,433
80$403,101,460$35,844,503$16,027,536$251,926,233
81$444,059,531$37,442,606$16,406,180$276,749,796
82$489,190,339$39,114,029$16,792,523$304,074,625
83$538,919,347$40,862,210$17,186,666$334,154,686
84$593,715,409$42,690,747$17,588,708$367,269,803
85$654,095,198$44,603,410$17,998,747$403,728,296
86$720,628,080$46,604,150$18,416,877$443,869,877
87$793,941,495$48,697,104$18,843,193$488,068,859
88$874,726,872$50,886,606$19,277,785$536,737,678
89$963,746,163$53,177,200$19,720,741$590,330,778
90$1,061,839,033$55,573,644$20,172,146$649,348,898
91$1,169,930,783$58,080,922$20,632,082$714,343,787
92$1,289,041,094$60,704,257$21,100,628$785,923,407
93$1,420,293,643$63,449,124$21,577,857$864,757,662
94$1,564,926,719$66,321,255$22,063,839$951,584,714
95$1,724,304,907$69,326,659$22,558,640$1,047,217,941
96$1,899,931,974$72,471,632$23,062,321$1,152,553,608
97$2,093,465,062$75,762,769$23,574,935$1,268,579,315
98$2,306,730,336$79,206,982$24,096,533$1,396,383,312
99$2,541,740,221$82,811,515$24,627,158$1,537,164,760
100$2,800,712,401$86,583,956$25,166,845$1,692,245,040