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%11.6%
1 years$429,411$425,586$421,854$418,212$414,655$411,869
2 years$212,580$208,621$204,784$201,063$197,455$194,645
3 years$140,312$136,336$132,509$128,823$125,274$122,527
4 years$104,185$100,221$96,432$92,810$89,346$86,684
5 years$82,515$78,575$74,835$71,287$67,919$65,350
6 years$68,073$64,162$60,478$57,009$53,742$51,268
7 years$57,761$53,883$50,258$46,870$43,707$41,329
8 years$50,031$46,188$42,622$39,318$36,259$33,978
9 years$44,021$40,215$36,711$33,490$30,535$28,351
10 years$39,217$35,447$32,005$28,869$26,018$23,928
11 years$35,288$31,557$28,177$25,125$22,376$20,380
12 years$32,017$28,324$25,006$22,038$19,391$17,486
13 years$29,251$25,596$22,341$19,456$16,909$15,094
14 years$26,882$23,266$20,074$17,271$14,822$13,095
15 years$24,831$21,254$18,124$15,403$13,051$11,409
16 years$23,038$19,500$16,432$13,791$11,534$9,976
17 years$21,458$17,959$14,953$12,391$10,227$8,749
18 years$20,054$16,595$13,650$11,167$9,093$7,693
19 years$18,800$15,380$12,496$10,090$8,105$6,780
20 years$17,673$14,292$11,468$9,139$7,240$5,987
21 years$16,655$13,312$10,548$8,294$6,479$5,296
22 years$15,730$12,427$9,722$7,541$5,807$4,691
23 years$14,887$11,622$8,976$6,868$5,213$4,161
24 years$14,115$10,889$8,302$6,264$4,686$3,695
25 years$13,406$10,219$7,689$5,721$4,216$3,285
26 years$12,753$9,604$7,131$5,231$3,798$2,922
27 years$12,149$9,039$6,622$4,788$3,424$2,602
28 years$11,590$8,517$6,156$4,387$3,090$2,318
29 years$11,070$8,035$5,729$4,023$2,790$2,067
30 years$10,585$7,588$5,336$3,692$2,521$1,844
31 years$10,133$7,173$4,975$3,391$2,279$1,646
32 years$9,709$6,787$4,641$3,116$2,062$1,469
33 years$9,312$6,428$4,334$2,865$1,866$1,312
34 years$8,940$6,092$4,049$2,636$1,689$1,173
35 years$8,589$5,778$3,786$2,427$1,530$1,048
36 years$8,259$5,484$3,541$2,235$1,386$937
37 years$7,947$5,209$3,315$2,059$1,256$838
38 years$7,652$4,950$3,104$1,898$1,139$749
39 years$7,373$4,707$2,908$1,750$1,033$670
40 years$7,109$4,479$2,726$1,614$937$600
41 years$6,859$4,263$2,556$1,489$850$537
42 years$6,620$4,060$2,398$1,375$771$480
43 years$6,394$3,869$2,250$1,269$700$430
44 years$6,178$3,688$2,112$1,172$635$385
45 years$5,973$3,516$1,983$1,082$577$345
46 years$5,777$3,354$1,862$999$524$309
47 years$5,590$3,201$1,750$923$476$276
48 years$5,411$3,056$1,644$853$432$248
49 years$5,241$2,918$1,545$789$392$222
50 years$5,077$2,788$1,453$729$356$199

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 $6,701 every year, while hoping to spend $44,731 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: 72/10/18 Blend
34$5,200,000$5,200,000$5,200,000$5,200,000
35$5,737,312$5,461,712$5,381,112$6,125,612
36$6,274,924$5,681,743$5,513,786$6,604,536
37$6,865,874$5,911,055$5,649,405$7,122,830
38$7,515,554$6,150,058$5,788,021$7,689,300
39$8,229,907$6,399,177$5,929,686$8,308,717
40$9,015,478$6,658,857$6,074,451$8,986,330
41$9,879,479$6,929,564$6,222,368$9,727,922
42$10,829,859$7,211,785$6,373,490$10,539,857
43$11,875,371$7,506,029$6,527,868$11,429,146
44$13,025,663$7,812,829$6,685,556$12,403,508
45$14,291,364$8,132,740$6,846,605$13,471,446
46$15,684,183$8,466,345$7,011,067$14,642,322
47$17,217,027$8,814,253$7,178,994$15,926,449
48$18,904,111$9,177,099$7,350,438$17,335,184
49$20,761,103$9,555,549$7,525,451$18,881,036
50$22,805,265$9,950,300$7,704,082$20,577,785
51$25,055,616$10,362,079$7,886,383$22,440,608
52$27,533,116$10,791,649$8,072,405$24,486,225
53$30,260,859$11,239,804$8,262,195$26,733,051
54$33,264,292$11,707,380$8,455,804$29,201,374
55$36,571,454$12,195,246$8,653,278$31,913,544
56$40,213,245$12,704,315$8,854,665$34,894,180
57$44,223,711$13,235,542$9,060,011$38,170,405
58$48,640,368$13,789,922$9,269,361$41,772,100
59$53,504,559$14,368,502$9,482,757$45,732,185
60$58,861,838$14,972,372$9,700,243$50,086,927
61$64,762,403$15,602,676$9,921,859$54,876,284
62$71,261,570$16,260,609$10,147,644$60,144,278
63$78,420,295$16,947,424$10,377,635$65,939,412
64$86,305,746$17,664,429$10,611,866$72,315,125
65$94,991,941$18,412,994$10,850,372$79,330,294
66$104,560,442$19,194,554$11,093,183$87,049,792
67$115,101,129$20,010,609$11,340,326$95,545,096
68$126,713,045$20,862,730$11,591,828$104,894,959
69$139,505,331$21,752,559$11,847,710$115,186,158
70$153,598,259$22,681,819$12,107,993$126,514,302
71$169,124,363$23,652,309$12,372,691$138,984,743
72$186,229,690$24,665,914$12,641,818$152,713,561
73$205,075,181$25,724,607$12,915,382$167,828,662
74$225,838,189$26,830,453$13,193,388$184,470,982
75$248,714,153$27,985,613$13,475,835$202,795,818
76$273,918,440$29,192,351$13,762,718$222,974,286
77$301,688,380$30,453,036$14,054,029$245,194,944
78$332,285,507$31,770,147$14,349,751$269,665,558
79$365,998,026$33,146,282$14,649,865$296,615,071
80$403,143,534$34,584,158$14,954,344$326,295,757
81$444,072,014$36,086,622$15,263,155$358,985,603
82$489,169,147$37,656,653$15,576,258$394,990,925
83$538,859,943$39,297,373$15,893,606$434,649,265
84$593,612,761$41,012,047$16,215,145$478,332,569
85$653,943,722$42,804,097$16,540,812$526,450,698
86$720,421,589$44,677,106$16,870,536$579,455,292
87$793,673,130$46,634,823$17,204,238$637,844,034
88$874,389,037$48,681,177$17,541,828$702,165,343
89$963,330,446$50,820,282$17,883,207$773,023,548
90$1,061,336,121$53,056,445$18,228,264$851,084,590
91$1,169,330,373$55,394,179$18,576,878$937,082,305
92$1,288,331,785$57,838,207$18,928,917$1,031,825,350
93$1,419,462,827$60,393,479$19,284,236$1,136,204,830
94$1,563,960,453$63,065,177$19,642,675$1,251,202,709
95$1,723,187,777$65,858,729$20,004,063$1,377,901,074
96$1,898,646,945$68,779,821$20,368,214$1,517,492,350
97$2,091,993,309$71,834,408$20,734,925$1,671,290,548
98$2,305,051,060$75,028,728$21,103,978$1,840,743,668
99$2,539,830,447$78,369,314$21,475,140$2,027,447,364
100$2,798,546,753$81,863,010$21,848,157$2,233,160,004