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%11%
1 years$437,669$433,771$429,967$426,254$422,629$420,849
2 years$216,668$212,633$208,722$204,930$201,252$199,454
3 years$143,010$138,958$135,057$131,301$127,683$125,923
4 years$106,189$102,149$98,287$94,595$91,064$89,357
5 years$84,102$80,086$76,275$72,658$69,226$67,576
6 years$69,382$65,396$61,641$58,105$54,776$53,185
7 years$58,872$54,920$51,224$47,771$44,547$43,017
8 years$50,993$47,076$43,442$40,074$36,956$35,486
9 years$44,868$40,988$37,417$34,134$31,123$29,713
10 years$39,971$36,129$32,621$29,424$26,518$25,167
11 years$35,967$32,164$28,719$25,608$22,806$21,514
12 years$32,632$28,868$25,487$22,461$19,764$18,529
13 years$29,813$26,089$22,771$19,830$17,234$16,056
14 years$27,399$23,714$20,460$17,603$15,107$13,984
15 years$25,308$21,663$18,473$15,699$13,302$12,232
16 years$23,481$19,875$16,748$14,057$11,756$10,739
17 years$21,870$18,304$15,240$12,630$10,424$9,457
18 years$20,440$16,914$13,912$11,382$9,268$8,351
19 years$19,162$15,676$12,736$10,285$8,261$7,391
20 years$18,013$14,567$11,688$9,315$7,379$6,555
21 years$16,975$13,568$10,751$8,454$6,603$5,824
22 years$16,032$12,666$9,909$7,686$5,919$5,182
23 years$15,173$11,846$9,149$7,000$5,313$4,617
24 years$14,387$11,099$8,461$6,384$4,776$4,119
25 years$13,664$10,416$7,837$5,831$4,297$3,678
26 years$12,998$9,789$7,268$5,331$3,871$3,288
27 years$12,383$9,213$6,749$4,880$3,490$2,941
28 years$11,813$8,681$6,274$4,471$3,149$2,633
29 years$11,282$8,190$5,839$4,100$2,843$2,359
30 years$10,789$7,734$5,439$3,763$2,569$2,115
31 years$10,327$7,311$5,070$3,456$2,323$1,896
32 years$9,896$6,918$4,731$3,176$2,101$1,702
33 years$9,492$6,551$4,417$2,921$1,902$1,527
34 years$9,112$6,209$4,127$2,687$1,722$1,372
35 years$8,754$5,889$3,858$2,474$1,559$1,232
36 years$8,418$5,590$3,610$2,278$1,413$1,107
37 years$8,100$5,309$3,378$2,099$1,281$995
38 years$7,800$5,046$3,164$1,935$1,161$894
39 years$7,515$4,798$2,964$1,784$1,053$804
40 years$7,246$4,565$2,778$1,645$955$723
41 years$6,990$4,345$2,605$1,518$866$651
42 years$6,748$4,138$2,444$1,401$786$585
43 years$6,517$3,943$2,293$1,293$713$527
44 years$6,297$3,758$2,152$1,194$648$474
45 years$6,088$3,584$2,021$1,103$588$427
46 years$5,888$3,419$1,898$1,019$534$384
47 years$5,698$3,263$1,783$941$485$346
48 years$5,515$3,115$1,676$870$440$311
49 years$5,341$2,974$1,575$804$400$280
50 years$5,175$2,841$1,481$743$363$252

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 $2,770 every year, while hoping to spend $51,298 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: 46/36/18 Blend
34$5,300,000$5,300,000$5,300,000$5,300,000
35$5,843,457$5,562,557$5,480,407$6,082,128
36$6,384,909$5,780,542$5,609,420$6,466,975
37$6,979,870$6,007,488$5,741,036$6,878,883
38$7,633,743$6,243,782$5,875,287$7,324,678
39$8,352,482$6,489,825$6,012,207$7,807,537
40$9,142,646$6,746,036$6,151,826$8,330,949
41$10,011,460$7,012,856$6,294,176$8,898,749
42$10,966,885$7,290,742$6,439,287$9,515,151
43$12,017,693$7,580,174$6,587,189$10,184,787
44$13,173,546$7,881,652$6,737,909$10,912,752
45$14,445,094$8,195,698$6,891,474$11,704,645
46$15,844,066$8,522,861$7,047,911$12,566,624
47$17,383,390$8,863,709$7,207,245$13,505,462
48$19,077,305$9,218,841$7,369,498$14,528,608
49$20,941,506$9,588,880$7,534,692$15,644,258
50$22,993,282$9,974,477$7,702,846$16,861,425
51$25,251,686$10,376,315$7,873,980$18,190,028
52$27,737,708$10,795,106$8,048,109$19,640,981
53$30,474,481$11,231,593$8,225,248$21,226,293
54$33,487,492$11,686,554$8,405,407$22,959,181
55$36,804,826$12,160,805$8,588,598$24,854,191
56$40,457,428$12,655,194$8,774,826$26,927,332
57$44,479,399$13,170,612$8,964,095$29,196,227
58$48,908,313$13,707,987$9,156,408$31,680,275
59$53,785,575$14,268,292$9,351,761$34,400,832
60$59,156,808$14,852,544$9,550,151$37,381,409
61$65,072,289$15,461,804$9,751,567$40,647,890
62$71,587,415$16,097,186$9,955,997$44,228,777
63$78,763,233$16,759,850$10,163,425$48,155,451
64$86,667,013$17,451,012$10,373,830$52,462,468
65$95,372,881$18,171,945$10,587,186$57,187,879
66$104,962,521$18,923,976$10,803,463$62,373,589
67$115,525,946$19,708,498$11,022,626$68,065,746
68$127,162,343$20,526,965$11,244,634$74,315,171
69$139,981,013$21,380,898$11,469,441$81,177,840
70$154,102,404$22,271,890$11,696,995$88,715,399
71$169,659,242$23,201,605$11,927,237$96,995,749
72$186,797,786$24,171,785$12,160,101$106,093,677
73$205,679,211$25,184,253$12,395,515$116,091,563
74$226,481,125$26,240,916$12,633,399$127,080,143
75$249,399,247$27,343,768$12,873,665$139,159,369
76$274,649,254$28,494,897$13,116,217$152,439,344
77$302,468,818$29,696,486$13,360,950$167,041,353
78$333,119,845$30,950,822$13,607,750$183,099,004
79$366,890,952$32,260,295$13,856,492$200,759,483
80$404,100,188$33,627,409$14,107,043$220,184,936
81$445,098,036$35,054,781$14,359,258$241,553,993
82$490,270,723$36,545,152$14,612,981$265,063,445
83$540,043,864$38,101,392$14,868,043$290,930,099
84$594,886,479$39,726,501$15,124,263$319,392,810
85$655,315,423$41,423,622$15,381,449$350,714,732
86$721,900,260$43,196,044$15,639,391$385,185,795
87$795,268,645$45,047,208$15,897,869$423,125,427
88$876,112,243$46,980,717$16,156,644$464,885,564
89$965,193,263$49,000,344$16,415,463$510,853,964
90$1,063,351,651$51,110,036$16,674,056$561,457,853
91$1,171,513,018$53,313,927$16,932,136$617,167,948
92$1,290,697,379$55,616,342$17,189,395$678,502,894
93$1,422,028,780$58,021,811$17,445,508$746,034,144
94$1,566,745,913$60,535,077$17,700,130$820,391,341
95$1,726,213,804$63,161,104$17,952,893$902,268,252
96$1,901,936,705$65,905,091$18,203,407$992,429,303
97$2,095,572,287$68,772,479$18,451,260$1,091,716,782
98$2,308,947,298$71,768,967$18,696,014$1,201,058,772
99$2,544,074,798$74,900,523$18,937,207$1,321,477,904
100$2,803,173,172$78,173,393$19,174,348$1,454,100,991