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%
1 years$437,669$433,771$429,967$426,254$422,629$410,582
2 years$216,668$212,633$208,722$204,930$201,252$189,208
3 years$143,010$138,958$135,057$131,301$127,683$116,020
4 years$106,189$102,149$98,287$94,595$91,064$79,872
5 years$84,102$80,086$76,275$72,658$69,226$58,534
6 years$69,382$65,396$61,641$58,105$54,776$44,595
7 years$58,872$54,920$51,224$47,771$44,547$34,878
8 years$50,993$47,076$43,442$40,074$36,956$27,792
9 years$44,868$40,988$37,417$34,134$31,123$22,455
10 years$39,971$36,129$32,621$29,424$26,518$18,335
11 years$35,967$32,164$28,719$25,608$22,806$15,095
12 years$32,632$28,868$25,487$22,461$19,764$12,509
13 years$29,813$26,089$22,771$19,830$17,234$10,420
14 years$27,399$23,714$20,460$17,603$15,107$8,717
15 years$25,308$21,663$18,473$15,699$13,302$7,317
16 years$23,481$19,875$16,748$14,057$11,756$6,160
17 years$21,870$18,304$15,240$12,630$10,424$5,199
18 years$20,440$16,914$13,912$11,382$9,268$4,396
19 years$19,162$15,676$12,736$10,285$8,261$3,723
20 years$18,013$14,567$11,688$9,315$7,379$3,158
21 years$16,975$13,568$10,751$8,454$6,603$2,681
22 years$16,032$12,666$9,909$7,686$5,919$2,279
23 years$15,173$11,846$9,149$7,000$5,313$1,939
24 years$14,387$11,099$8,461$6,384$4,776$1,650
25 years$13,664$10,416$7,837$5,831$4,297$1,406
26 years$12,998$9,789$7,268$5,331$3,871$1,198
27 years$12,383$9,213$6,749$4,880$3,490$1,021
28 years$11,813$8,681$6,274$4,471$3,149$871
29 years$11,282$8,190$5,839$4,100$2,843$743
30 years$10,789$7,734$5,439$3,763$2,569$634
31 years$10,327$7,311$5,070$3,456$2,323$541
32 years$9,896$6,918$4,731$3,176$2,101$462
33 years$9,492$6,551$4,417$2,921$1,902$395
34 years$9,112$6,209$4,127$2,687$1,722$337
35 years$8,754$5,889$3,858$2,474$1,559$288
36 years$8,418$5,590$3,610$2,278$1,413$246
37 years$8,100$5,309$3,378$2,099$1,281$210
38 years$7,800$5,046$3,164$1,935$1,161$179
39 years$7,515$4,798$2,964$1,784$1,053$153
40 years$7,246$4,565$2,778$1,645$955$131
41 years$6,990$4,345$2,605$1,518$866$112
42 years$6,748$4,138$2,444$1,401$786$96
43 years$6,517$3,943$2,293$1,293$713$82
44 years$6,297$3,758$2,152$1,194$648$70
45 years$6,088$3,584$2,021$1,103$588$60
46 years$5,888$3,419$1,898$1,019$534$51
47 years$5,698$3,263$1,783$941$485$44
48 years$5,515$3,115$1,676$870$440$37
49 years$5,341$2,974$1,575$804$400$32
50 years$5,175$2,841$1,481$743$363$27

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 $2,005 every year, while hoping to spend $47,962 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: 36/42/22 Blend
34$5,300,000$5,300,000$5,300,000$5,300,000
35$5,842,668$5,561,768$5,479,618$6,014,074
36$6,387,589$5,783,264$5,612,154$6,361,410
37$6,986,485$6,014,005$5,747,523$6,731,547
38$7,644,809$6,254,394$5,885,768$7,130,168
39$8,368,573$6,504,852$6,026,934$7,559,854
40$9,164,396$6,765,819$6,171,065$8,023,435
41$10,039,573$7,037,753$6,318,204$8,524,016
42$11,002,141$7,321,134$6,468,396$9,065,009
43$12,060,955$7,616,465$6,621,683$9,650,157
44$13,225,770$7,924,270$6,778,107$10,283,570
45$14,507,337$8,245,098$6,937,712$10,969,766
46$15,917,498$8,579,521$7,100,538$11,713,705
47$17,469,304$8,928,138$7,266,627$12,520,836
48$19,177,133$9,291,577$7,436,019$13,397,151
49$21,056,828$9,670,492$7,608,754$14,349,232
50$23,125,847$10,065,568$7,784,869$15,384,314
51$25,403,424$10,477,521$7,964,402$16,510,354
52$27,910,754$10,907,101$8,147,391$17,736,097
53$30,671,191$11,355,089$8,333,869$19,071,163
54$33,710,470$11,822,305$8,523,870$20,526,129
55$37,056,945$12,309,606$8,717,428$22,112,628
56$40,741,864$12,817,887$8,914,572$23,843,460
57$44,799,655$13,348,084$9,115,331$25,732,701
58$49,268,258$13,901,178$9,319,732$27,795,841
59$54,189,477$14,478,193$9,527,801$30,049,923
60$59,609,381$15,080,202$9,739,559$32,513,700
61$65,578,731$15,708,325$9,955,027$35,207,808
62$72,153,464$16,363,736$10,174,224$38,154,962
63$79,395,220$17,047,661$10,397,163$41,380,157
64$87,371,921$17,761,385$10,623,856$44,910,910
65$96,158,415$18,506,251$10,854,313$48,777,508
66$105,837,180$19,283,663$11,088,539$53,013,291
67$116,499,102$20,095,093$11,326,536$57,654,966
68$128,244,337$20,942,079$11,568,301$62,742,943
69$141,183,249$21,826,231$11,813,828$68,321,713
70$155,437,457$22,749,232$12,063,108$74,440,266
71$171,140,979$23,712,846$12,316,124$81,152,544
72$188,441,501$24,718,918$12,572,856$88,517,943
73$207,501,767$25,769,378$12,833,280$96,601,873
74$228,501,116$26,866,246$13,097,363$105,476,366
75$251,637,175$28,011,637$13,365,070$115,220,745
76$277,127,724$29,207,764$13,636,357$125,922,376
77$305,212,750$30,456,944$13,911,173$137,677,476
78$336,156,717$31,761,600$14,189,463$150,592,017
79$370,251,054$33,124,270$14,471,163$164,782,721
80$407,816,914$34,547,612$14,756,199$180,378,147
81$449,208,199$36,034,405$15,044,492$197,519,905
82$494,814,905$37,587,560$15,335,952$216,363,976
83$545,066,801$39,210,126$15,630,482$237,082,178
84$600,437,484$40,905,292$15,927,972$259,863,779
85$661,448,854$42,676,398$16,228,306$284,917,271
86$728,676,036$44,526,940$16,531,353$312,472,330
87$802,752,812$46,460,580$16,836,974$342,781,971
88$884,377,601$48,481,151$17,145,015$376,124,925
89$974,320,055$50,592,666$17,455,311$412,808,260
90$1,073,428,321$52,799,328$17,767,685$453,170,265
91$1,182,637,051$55,105,535$18,081,943$497,583,628
92$1,302,976,220$57,515,897$18,397,878$546,458,947
93$1,435,580,856$60,035,237$18,715,269$600,248,585
94$1,581,701,748$62,668,609$19,033,875$659,450,927
95$1,742,717,258$65,421,302$19,353,441$724,615,069
96$1,920,146,331$68,298,858$19,673,694$796,345,989
97$2,115,662,835$71,307,080$19,994,341$875,310,232
98$2,331,111,361$74,452,045$20,315,069$962,242,193
99$2,568,524,641$77,740,116$20,635,545$1,057,951,026
100$2,830,142,733$81,177,961$20,955,414$1,163,328,263