Can I retire at age 35 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$429,411$425,586$421,854$418,212$414,655$402,511
2 years$212,580$208,621$204,784$201,063$197,455$185,318
3 years$140,312$136,336$132,509$128,823$125,274$113,525
4 years$104,185$100,221$96,432$92,810$89,346$78,075
5 years$82,515$78,575$74,835$71,287$67,919$57,157
6 years$68,073$64,162$60,478$57,009$53,742$43,499
7 years$57,761$53,883$50,258$46,870$43,707$33,982
8 years$50,031$46,188$42,622$39,318$36,259$27,046
9 years$44,021$40,215$36,711$33,490$30,535$21,826
10 years$39,217$35,447$32,005$28,869$26,018$17,799
11 years$35,288$31,557$28,177$25,125$22,376$14,635
12 years$32,017$28,324$25,006$22,038$19,391$12,111
13 years$29,251$25,596$22,341$19,456$16,909$10,075
14 years$26,882$23,266$20,074$17,271$14,822$8,417
15 years$24,831$21,254$18,124$15,403$13,051$7,056
16 years$23,038$19,500$16,432$13,791$11,534$5,932
17 years$21,458$17,959$14,953$12,391$10,227$4,998
18 years$20,054$16,595$13,650$11,167$9,093$4,220
19 years$18,800$15,380$12,496$10,090$8,105$3,569
20 years$17,673$14,292$11,468$9,139$7,240$3,022
21 years$16,655$13,312$10,548$8,294$6,479$2,562
22 years$15,730$12,427$9,722$7,541$5,807$2,174
23 years$14,887$11,622$8,976$6,868$5,213$1,847
24 years$14,115$10,889$8,302$6,264$4,686$1,570
25 years$13,406$10,219$7,689$5,721$4,216$1,335
26 years$12,753$9,604$7,131$5,231$3,798$1,136
27 years$12,149$9,039$6,622$4,788$3,424$967
28 years$11,590$8,517$6,156$4,387$3,090$823
29 years$11,070$8,035$5,729$4,023$2,790$701
30 years$10,585$7,588$5,336$3,692$2,521$597
31 years$10,133$7,173$4,975$3,391$2,279$509
32 years$9,709$6,787$4,641$3,116$2,062$434
33 years$9,312$6,428$4,334$2,865$1,866$370
34 years$8,940$6,092$4,049$2,636$1,689$315
35 years$8,589$5,778$3,786$2,427$1,530$269
36 years$8,259$5,484$3,541$2,235$1,386$229
37 years$7,947$5,209$3,315$2,059$1,256$196
38 years$7,652$4,950$3,104$1,898$1,139$167
39 years$7,373$4,707$2,908$1,750$1,033$142
40 years$7,109$4,479$2,726$1,614$937$121
41 years$6,859$4,263$2,556$1,489$850$103
42 years$6,620$4,060$2,398$1,375$771$88
43 years$6,394$3,869$2,250$1,269$700$75
44 years$6,178$3,688$2,112$1,172$635$64
45 years$5,973$3,516$1,983$1,082$577$55
46 years$5,777$3,354$1,862$999$524$47
47 years$5,590$3,201$1,750$923$476$40
48 years$5,411$3,056$1,644$853$432$34
49 years$5,241$2,918$1,545$789$392$29
50 years$5,077$2,788$1,453$729$356$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,200,000, adding $2,744 every year, while hoping to spend $57,901 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: 41/50/9 Blend
34$5,200,000$5,200,000$5,200,000$5,200,000
35$5,733,230$5,457,630$5,377,030$5,952,864
36$6,256,414$5,663,448$5,495,555$6,312,692
37$6,831,021$5,877,410$5,616,109$6,695,882
38$7,462,237$6,099,855$5,738,700$7,109,292
39$8,155,772$6,331,134$5,863,333$7,555,687
40$8,917,917$6,571,617$5,990,012$8,038,103
41$9,755,605$6,821,686$6,118,737$8,559,874
42$10,676,470$7,081,742$6,249,509$9,124,660
43$11,688,926$7,352,204$6,382,324$9,736,481
44$12,802,242$7,633,507$6,517,177$10,399,753
45$14,026,629$7,926,107$6,654,060$11,119,329
46$15,373,338$8,230,479$6,792,964$11,900,540
47$16,854,765$8,547,119$6,933,875$12,749,247
48$18,484,568$8,876,545$7,076,776$13,671,889
49$20,277,795$9,219,297$7,221,650$14,675,549
50$22,251,027$9,575,940$7,368,472$15,768,012
51$24,422,533$9,947,062$7,517,217$16,957,839
52$26,812,443$10,333,280$7,667,855$18,254,445
53$29,442,936$10,735,234$7,820,352$19,668,185
54$32,338,452$11,153,597$7,974,670$21,210,449
55$35,525,918$11,589,067$8,130,766$22,893,769
56$39,035,008$12,042,378$8,288,593$24,731,931
57$42,898,417$12,514,292$8,448,099$26,740,102
58$47,152,171$13,005,608$8,609,226$28,934,974
59$51,835,969$13,517,160$8,771,911$31,334,914
60$56,993,554$14,049,817$8,936,086$33,960,138
61$62,673,127$14,604,489$9,101,676$36,832,894
62$68,927,804$15,182,126$9,268,600$39,977,671
63$75,816,110$15,783,721$9,436,769$43,421,426
64$83,402,541$16,410,311$9,606,088$47,193,834
65$91,758,163$17,062,979$9,776,455$51,327,563
66$100,961,289$17,742,857$9,947,759$55,858,580
67$111,098,212$18,451,130$10,119,881$60,826,484
68$122,264,026$19,189,031$10,292,693$66,274,878
69$134,563,518$19,957,855$10,466,060$72,251,771
70$148,112,158$20,758,951$10,639,834$78,810,030
71$163,037,188$21,593,730$10,813,858$86,007,872
72$179,478,826$22,463,667$10,987,967$93,909,408
73$197,591,584$23,370,305$11,161,982$102,585,243
74$217,545,730$24,315,253$11,335,712$112,113,134
75$239,528,892$25,300,199$11,508,956$122,578,722
76$263,747,832$26,326,902$11,681,499$134,076,329
77$290,430,394$27,397,203$11,853,113$146,709,845
78$319,827,656$28,513,028$12,023,554$160,593,700
79$352,216,300$29,676,390$12,192,567$175,853,936
80$387,901,222$30,889,392$12,359,877$192,629,390
81$427,218,410$32,154,235$12,525,196$211,072,996
82$470,538,116$33,473,221$12,688,218$231,353,220
83$518,268,350$34,848,755$12,848,619$253,655,642
84$570,858,731$36,283,353$13,006,058$278,184,697
85$628,804,732$37,779,648$13,160,171$305,165,596
86$692,652,355$39,340,391$13,310,576$334,846,444
87$763,003,285$40,968,460$13,456,871$367,500,566
88$840,520,573$42,666,868$13,598,630$403,429,082
89$925,934,890$44,438,762$13,735,402$442,963,734
90$1,020,051,425$46,287,438$13,866,714$486,470,007
91$1,123,757,489$48,216,341$13,992,067$534,350,569
92$1,238,030,887$50,229,076$14,110,936$587,049,052
93$1,363,949,151$52,329,414$14,222,765$645,054,235
94$1,502,699,709$54,521,301$14,326,973$708,904,639
95$1,655,591,099$56,808,864$14,422,947$779,193,593
96$1,824,065,315$59,196,422$14,510,039$856,574,827
97$2,009,711,425$61,688,494$14,587,573$941,768,622
98$2,214,280,569$64,289,809$14,654,835$1,035,568,590
99$2,439,702,490$67,005,313$14,711,076$1,138,849,156
100$2,688,103,755$69,840,184$14,755,507$1,252,573,788