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%18.1%
1 years$429,411$425,586$421,854$418,212$414,655$401,061
2 years$212,580$208,621$204,784$201,063$197,455$183,889
3 years$140,312$136,336$132,509$128,823$125,274$112,161
4 years$104,185$100,221$96,432$92,810$89,346$76,788
5 years$82,515$78,575$74,835$71,287$67,919$55,949
6 years$68,073$64,162$60,478$57,009$53,742$42,369
7 years$57,761$53,883$50,258$46,870$43,707$32,930
8 years$50,031$46,188$42,622$39,318$36,259$26,071
9 years$44,021$40,215$36,711$33,490$30,535$20,924
10 years$39,217$35,447$32,005$28,869$26,018$16,967
11 years$35,288$31,557$28,177$25,125$22,376$13,870
12 years$32,017$28,324$25,006$22,038$19,391$11,410
13 years$29,251$25,596$22,341$19,456$16,909$9,434
14 years$26,882$23,266$20,074$17,271$14,822$7,832
15 years$24,831$21,254$18,124$15,403$13,051$6,524
16 years$23,038$19,500$16,432$13,791$11,534$5,449
17 years$21,458$17,959$14,953$12,391$10,227$4,561
18 years$20,054$16,595$13,650$11,167$9,093$3,826
19 years$18,800$15,380$12,496$10,090$8,105$3,213
20 years$17,673$14,292$11,468$9,139$7,240$2,702
21 years$16,655$13,312$10,548$8,294$6,479$2,275
22 years$15,730$12,427$9,722$7,541$5,807$1,917
23 years$14,887$11,622$8,976$6,868$5,213$1,617
24 years$14,115$10,889$8,302$6,264$4,686$1,365
25 years$13,406$10,219$7,689$5,721$4,216$1,152
26 years$12,753$9,604$7,131$5,231$3,798$973
27 years$12,149$9,039$6,622$4,788$3,424$822
28 years$11,590$8,517$6,156$4,387$3,090$695
29 years$11,070$8,035$5,729$4,023$2,790$588
30 years$10,585$7,588$5,336$3,692$2,521$497
31 years$10,133$7,173$4,975$3,391$2,279$420
32 years$9,709$6,787$4,641$3,116$2,062$356
33 years$9,312$6,428$4,334$2,865$1,866$301
34 years$8,940$6,092$4,049$2,636$1,689$255
35 years$8,589$5,778$3,786$2,427$1,530$215
36 years$8,259$5,484$3,541$2,235$1,386$182
37 years$7,947$5,209$3,315$2,059$1,256$154
38 years$7,652$4,950$3,104$1,898$1,139$131
39 years$7,373$4,707$2,908$1,750$1,033$111
40 years$7,109$4,479$2,726$1,614$937$94
41 years$6,859$4,263$2,556$1,489$850$79
42 years$6,620$4,060$2,398$1,375$771$67
43 years$6,394$3,869$2,250$1,269$700$57
44 years$6,178$3,688$2,112$1,172$635$48
45 years$5,973$3,516$1,983$1,082$577$41
46 years$5,777$3,354$1,862$999$524$34
47 years$5,590$3,201$1,750$923$476$29
48 years$5,411$3,056$1,644$853$432$25
49 years$5,241$2,918$1,545$789$392$21
50 years$5,077$2,788$1,453$729$356$18

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 $3,977 every year, while hoping to spend $58,090 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: 50/27/23 Blend
34$5,200,000$5,200,000$5,200,000$5,200,000
35$5,734,502$5,458,902$5,378,302$5,983,990
36$6,257,614$5,664,581$5,496,668$6,363,356
37$6,832,137$5,878,391$5,617,052$6,769,232
38$7,463,252$6,100,670$5,739,461$7,209,174
39$8,156,670$6,331,769$5,863,899$7,686,430
40$8,918,679$6,572,055$5,990,369$8,204,569
41$9,756,210$6,821,911$6,118,871$8,767,519
42$10,676,895$7,081,736$6,249,405$9,379,599
43$11,689,144$7,351,947$6,381,967$10,045,560
44$12,802,225$7,632,980$6,516,550$10,770,629
45$14,026,344$7,925,289$6,653,147$11,560,559
46$15,372,749$8,229,346$6,791,746$12,421,677
47$16,853,834$8,545,648$6,932,333$13,360,950
48$18,483,250$8,874,710$7,074,891$14,386,042
49$20,276,042$9,217,071$7,219,400$15,505,392
50$22,248,785$9,573,294$7,365,837$16,728,284
51$24,419,742$9,943,967$7,514,174$18,064,944
52$26,809,036$10,329,702$7,664,379$19,526,625
53$29,438,841$10,731,141$7,816,419$21,125,717
54$32,333,587$11,148,951$7,970,254$22,875,863
55$35,520,195$11,583,832$8,125,839$24,792,084
56$39,028,328$12,036,512$8,283,127$26,890,918
57$42,890,669$12,507,753$8,442,064$29,190,578
58$47,143,235$12,998,351$8,602,591$31,711,121
59$51,825,711$13,509,136$8,764,644$34,474,633
60$56,981,827$14,040,976$8,928,152$37,505,438
61$62,659,767$14,594,779$9,093,040$40,830,326
62$68,912,631$15,171,490$9,259,224$44,478,802
63$75,798,925$15,772,099$9,426,614$48,483,364
64$83,383,124$16,397,640$9,595,114$52,879,807
65$91,736,271$17,049,193$9,764,619$57,707,556
66$100,936,654$17,727,886$9,935,016$63,010,042
67$111,070,538$18,434,899$10,106,185$68,835,102
68$122,232,987$19,171,463$10,277,996$75,235,435
69$134,528,754$19,938,866$10,450,311$82,269,092
70$148,073,270$20,738,454$10,622,980$90,000,022
71$162,993,739$21,571,633$10,795,845$98,498,674
72$179,430,330$22,439,874$10,968,736$107,842,660
73$197,537,508$23,344,712$11,141,473$118,117,480
74$217,485,484$24,287,753$11,313,862$129,417,332
75$239,461,828$25,270,677$11,485,701$141,845,992
76$263,673,232$26,295,238$11,656,769$155,517,796
77$290,347,468$27,363,270$11,826,837$170,558,709
78$319,735,532$28,476,693$11,995,659$187,107,516
79$352,114,016$29,637,511$12,162,973$205,317,126
80$387,787,718$30,847,821$12,328,505$225,356,011
81$427,092,516$32,109,816$12,491,961$247,409,792
82$470,398,543$33,425,787$12,653,032$271,682,989
83$518,113,677$34,798,133$12,811,391$298,400,943
84$570,687,390$36,229,360$12,966,691$327,811,943
85$628,614,995$37,722,089$13,118,566$360,189,561
86$692,442,317$39,279,064$13,266,630$395,835,232
87$762,770,845$40,903,151$13,410,475$435,081,095
88$840,263,416$42,597,349$13,549,670$478,293,118
89$925,650,462$44,364,797$13,683,761$525,874,551
90$1,019,736,912$46,208,775$13,812,270$578,269,727
91$1,123,409,788$48,132,716$13,934,693$635,968,247
92$1,237,646,579$50,140,211$14,050,497$699,509,600
93$1,363,524,465$52,235,017$14,159,124$769,488,244
94$1,502,230,491$54,421,063$14,259,985$846,559,213
95$1,655,072,767$56,702,461$14,352,461$931,444,296
96$1,823,492,820$59,083,513$14,435,899$1,024,938,837
97$2,009,079,202$61,568,719$14,509,616$1,127,919,242
98$2,213,582,483$64,162,789$14,572,891$1,241,351,238
99$2,438,931,781$66,870,650$14,624,967$1,366,298,985
100$2,687,252,970$69,697,459$14,665,050$1,503,935,114