Can I retire at age 35 with 5,300,000?

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 $5,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$437,669$433,771$429,967$426,254$422,629$409,922
2 years$216,668$212,633$208,722$204,930$201,252$188,557
3 years$143,010$138,958$135,057$131,301$127,683$115,397
4 years$106,189$102,149$98,287$94,595$91,064$79,283
5 years$84,102$80,086$76,275$72,658$69,226$57,980
6 years$69,382$65,396$61,641$58,105$54,776$44,077
7 years$58,872$54,920$51,224$47,771$44,547$34,394
8 years$50,993$47,076$43,442$40,074$36,956$27,342
9 years$44,868$40,988$37,417$34,134$31,123$22,038
10 years$39,971$36,129$32,621$29,424$26,518$17,950
11 years$35,967$32,164$28,719$25,608$22,806$14,739
12 years$32,632$28,868$25,487$22,461$19,764$12,182
13 years$29,813$26,089$22,771$19,830$17,234$10,120
14 years$27,399$23,714$20,460$17,603$15,107$8,443
15 years$25,308$21,663$18,473$15,699$13,302$7,067
16 years$23,481$19,875$16,748$14,057$11,756$5,933
17 years$21,870$18,304$15,240$12,630$10,424$4,992
18 years$20,440$16,914$13,912$11,382$9,268$4,208
19 years$19,162$15,676$12,736$10,285$8,261$3,554
20 years$18,013$14,567$11,688$9,315$7,379$3,005
21 years$16,975$13,568$10,751$8,454$6,603$2,544
22 years$16,032$12,666$9,909$7,686$5,919$2,155
23 years$15,173$11,846$9,149$7,000$5,313$1,828
24 years$14,387$11,099$8,461$6,384$4,776$1,551
25 years$13,664$10,416$7,837$5,831$4,297$1,317
26 years$12,998$9,789$7,268$5,331$3,871$1,119
27 years$12,383$9,213$6,749$4,880$3,490$951
28 years$11,813$8,681$6,274$4,471$3,149$808
29 years$11,282$8,190$5,839$4,100$2,843$687
30 years$10,789$7,734$5,439$3,763$2,569$584
31 years$10,327$7,311$5,070$3,456$2,323$497
32 years$9,896$6,918$4,731$3,176$2,101$423
33 years$9,492$6,551$4,417$2,921$1,902$360
34 years$9,112$6,209$4,127$2,687$1,722$306
35 years$8,754$5,889$3,858$2,474$1,559$261
36 years$8,418$5,590$3,610$2,278$1,413$222
37 years$8,100$5,309$3,378$2,099$1,281$189
38 years$7,800$5,046$3,164$1,935$1,161$161
39 years$7,515$4,798$2,964$1,784$1,053$137
40 years$7,246$4,565$2,778$1,645$955$117
41 years$6,990$4,345$2,605$1,518$866$99
42 years$6,748$4,138$2,444$1,401$786$85
43 years$6,517$3,943$2,293$1,293$713$72
44 years$6,297$3,758$2,152$1,194$648$61
45 years$6,088$3,584$2,021$1,103$588$52
46 years$5,888$3,419$1,898$1,019$534$45
47 years$5,698$3,263$1,783$941$485$38
48 years$5,515$3,115$1,676$870$440$32
49 years$5,341$2,974$1,575$804$400$28
50 years$5,175$2,841$1,481$743$363$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,300,000, adding $2,677 every year, while hoping to spend $51,494 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: 55/37/8 Blend
34$5,300,000$5,300,000$5,300,000$5,300,000
35$5,843,361$5,562,461$5,480,311$6,153,519
36$6,384,595$5,780,233$5,609,113$6,581,160
37$6,979,309$6,006,949$5,740,503$7,040,607
38$7,632,903$6,242,994$5,874,514$7,539,584
39$8,351,327$6,488,769$6,011,179$8,081,854
40$9,141,137$6,744,693$6,150,528$8,671,557
41$10,009,553$7,011,204$6,292,591$9,313,241
42$10,964,533$7,288,758$6,437,398$10,011,909
43$12,014,841$7,577,833$6,584,977$10,773,061
44$13,170,137$7,878,929$6,735,355$11,602,748
45$14,441,061$8,192,566$6,888,560$12,507,625
46$15,839,338$8,519,291$7,044,615$13,495,010
47$17,377,885$8,859,671$7,203,545$14,572,957
48$19,070,937$9,214,302$7,365,371$15,750,325
49$20,934,176$9,583,807$7,530,115$17,036,863
50$22,984,883$9,968,834$7,697,794$18,443,300
51$25,242,098$10,370,063$7,868,426$19,981,439
52$27,726,800$10,788,205$8,042,027$21,664,275
53$30,462,107$11,224,000$8,218,608$23,506,108
54$33,473,491$11,678,226$8,398,181$25,522,678
55$36,789,020$12,151,692$8,580,754$27,731,314
56$40,439,623$12,645,247$8,766,331$30,151,091
57$44,459,377$13,159,777$8,954,916$32,803,008
58$48,885,837$13,696,209$9,146,509$35,710,185
59$53,760,380$14,255,511$9,341,105$38,898,080
60$59,128,605$14,838,698$9,538,698$42,394,721
61$65,040,756$15,446,827$9,739,278$46,230,972
62$71,552,199$16,081,007$9,942,829$50,440,820
63$78,723,943$16,742,397$10,149,334$55,061,691
64$86,623,218$17,432,207$10,358,770$60,134,800
65$95,324,107$18,151,706$10,571,109$65,705,540
66$104,908,243$18,902,217$10,786,318$71,823,901
67$115,465,586$19,685,127$11,004,362$78,544,942
68$127,095,263$20,501,886$11,225,196$85,929,303
69$139,906,512$21,354,010$11,448,771$94,043,779
70$154,019,705$22,243,085$11,675,034$102,961,939
71$169,567,489$23,170,771$11,903,922$112,764,820
72$186,696,038$24,138,804$12,135,369$123,541,685
73$205,566,428$25,148,999$12,369,297$135,390,861
74$226,356,160$26,203,257$12,605,625$148,420,665
75$249,260,836$27,303,564$12,844,262$162,750,414
76$274,496,005$28,452,002$13,085,108$178,511,550
77$302,299,193$29,650,746$13,328,055$195,848,877
78$332,932,152$30,902,073$13,572,985$214,921,915
79$366,683,323$32,208,367$13,819,772$235,906,404
80$403,870,564$33,572,119$14,068,277$258,995,955
81$444,844,149$34,995,940$14,318,351$284,403,867
82$489,990,071$36,482,560$14,569,835$312,365,141
83$539,733,689$38,034,836$14,822,555$343,138,681
84$594,543,742$39,655,760$15,076,328$377,009,736
85$654,936,774$41,348,462$15,330,954$414,292,581
86$721,482,005$43,116,217$15,586,222$455,333,477
87$794,806,714$44,962,456$15,841,904$500,513,929
88$875,602,149$46,890,767$16,097,758$550,254,277
89$964,630,060$48,904,907$16,353,526$605,017,655
90$1,062,729,889$51,008,809$16,608,931$665,314,352
91$1,170,826,688$53,206,591$16,863,680$731,706,619
92$1,289,939,858$55,502,562$17,117,462$804,813,960
93$1,421,192,771$57,901,235$17,369,944$885,318,976
94$1,565,823,370$60,407,333$17,620,774$973,973,791
95$1,725,195,863$63,025,801$17,869,579$1,071,607,137
96$1,900,813,592$65,761,816$18,115,961$1,179,132,171
97$2,094,333,235$68,620,801$18,359,502$1,297,555,073
98$2,307,580,435$71,608,431$18,599,756$1,427,984,535
99$2,542,567,044$74,730,649$18,836,252$1,571,642,206
100$2,801,510,109$77,993,677$19,068,493$1,729,874,216