Can I retire at age 35 with 5,400,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $5,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$445,927$441,955$438,080$434,297$430,604$415,491
2 years$220,756$216,645$212,660$208,797$205,049$189,982
3 years$145,709$141,580$137,605$133,778$130,092$115,543
4 years$108,192$104,076$100,141$96,380$92,783$78,864
5 years$85,689$81,597$77,714$74,029$70,532$57,281
6 years$70,691$66,630$62,804$59,201$55,809$43,235
7 years$59,983$55,956$52,191$48,673$45,388$33,488
8 years$51,955$47,964$44,262$40,830$37,654$26,419
9 years$45,714$41,762$38,123$34,778$31,710$21,125
10 years$40,725$36,811$33,236$29,979$27,018$17,066
11 years$36,645$32,771$29,261$26,091$23,237$13,897
12 years$33,248$29,413$25,968$22,885$20,136$11,386
13 years$30,376$26,581$23,201$20,204$17,559$9,376
14 years$27,916$24,161$20,846$17,935$15,392$7,752
15 years$25,786$22,072$18,821$15,995$13,553$6,429
16 years$23,924$20,250$17,064$14,322$11,978$5,347
17 years$22,283$18,650$15,528$12,868$10,620$4,456
18 years$20,826$17,233$14,175$11,597$9,443$3,721
19 years$19,523$15,972$12,976$10,479$8,417$3,111
20 years$18,353$14,842$11,909$9,490$7,518$2,604
21 years$17,295$13,824$10,954$8,613$6,728$2,183
22 years$16,335$12,905$10,096$7,831$6,031$1,831
23 years$15,459$12,069$9,322$7,132$5,413$1,537
24 years$14,658$11,308$8,621$6,505$4,866$1,290
25 years$13,922$10,612$7,985$5,941$4,378$1,084
26 years$13,244$9,974$7,405$5,432$3,944$911
27 years$12,617$9,386$6,877$4,972$3,556$766
28 years$12,035$8,845$6,393$4,555$3,208$645
29 years$11,495$8,344$5,949$4,177$2,897$542
30 years$10,992$7,880$5,541$3,834$2,618$456
31 years$10,522$7,449$5,166$3,521$2,367$384
32 years$10,083$7,049$4,820$3,236$2,141$323
33 years$9,671$6,675$4,500$2,976$1,937$272
34 years$9,284$6,326$4,205$2,738$1,754$229
35 years$8,920$6,001$3,931$2,520$1,589$193
36 years$8,576$5,695$3,678$2,321$1,440$163
37 years$8,253$5,409$3,442$2,139$1,305$137
38 years$7,947$5,141$3,223$1,971$1,183$115
39 years$7,657$4,888$3,020$1,818$1,073$97
40 years$7,383$4,651$2,831$1,676$973$82
41 years$7,122$4,427$2,654$1,547$883$69
42 years$6,875$4,216$2,490$1,427$801$58
43 years$6,640$4,017$2,336$1,318$727$49
44 years$6,416$3,829$2,193$1,217$660$41
45 years$6,203$3,652$2,059$1,124$599$35
46 years$5,999$3,484$1,934$1,038$544$29
47 years$5,805$3,324$1,817$959$494$25
48 years$5,619$3,174$1,707$886$448$21
49 years$5,442$3,031$1,605$819$407$17
50 years$5,272$2,895$1,509$757$370$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,400,000, adding $4,721 every year, while hoping to spend $52,505 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: 68/5/27 Blend
34$5,400,000$5,400,000$5,400,000$5,400,000
35$5,955,670$5,669,470$5,585,770$6,318,592
36$6,507,283$5,891,409$5,717,028$6,785,127
37$7,113,401$6,122,463$5,850,924$7,288,952
38$7,779,528$6,363,024$5,987,490$7,838,993
39$8,511,728$6,613,500$6,126,759$8,439,825
40$9,316,681$6,874,318$6,268,762$9,096,486
41$10,201,747$7,145,924$6,413,529$9,814,523
42$11,175,034$7,428,784$6,561,092$10,600,044
43$12,245,477$7,723,384$6,711,478$11,459,779
44$13,422,919$8,030,233$6,864,716$12,401,138
45$14,718,205$8,349,862$7,020,832$13,432,284
46$16,143,284$8,682,827$7,179,852$14,562,207
47$17,711,321$9,029,708$7,341,799$15,800,809
48$19,436,822$9,391,110$7,506,696$17,159,000
49$21,335,772$9,767,668$7,674,564$18,648,797
50$23,425,781$10,160,044$7,845,422$20,283,436
51$25,726,254$10,568,930$8,019,287$22,077,500
52$28,258,573$10,995,049$8,196,175$24,047,055
53$31,046,299$11,439,157$8,376,097$26,209,799
54$34,115,391$11,902,045$8,559,066$28,585,230
55$37,494,455$12,384,540$8,745,089$31,194,830
56$41,215,011$12,887,504$8,934,171$34,062,265
57$45,311,792$13,411,842$9,126,316$37,213,612
58$49,823,069$13,958,496$9,321,522$40,677,599
59$54,791,015$14,528,456$9,519,786$44,485,879
60$60,262,101$15,122,752$9,721,101$48,673,329
61$66,287,532$15,742,464$9,925,455$53,278,374
62$72,923,737$16,388,721$10,132,834$58,343,354
63$80,232,893$17,062,704$10,343,219$63,914,919
64$88,283,518$17,765,646$10,556,587$70,044,472
65$97,151,112$18,498,838$10,772,908$76,788,651
66$106,918,876$19,263,631$10,992,151$84,209,864
67$117,678,490$20,061,438$11,214,276$92,376,877
68$129,530,981$20,893,734$11,439,240$101,365,461
69$142,587,679$21,762,065$11,666,993$111,259,110
70$156,971,264$22,668,047$11,897,478$122,149,823
71$172,816,923$23,613,371$12,130,633$134,138,977
72$190,273,628$24,599,806$12,366,389$147,338,280
73$209,505,543$25,629,201$12,604,668$161,870,825
74$230,693,569$26,703,493$12,845,385$177,872,250
75$254,037,056$27,824,707$13,088,448$195,492,021
76$279,755,680$28,994,961$13,333,755$214,894,837
77$308,091,518$30,216,474$13,581,195$236,262,188
78$339,311,337$31,491,564$13,830,649$259,794,066
79$373,709,103$32,822,661$14,081,985$285,710,850
80$411,608,763$34,212,303$14,335,063$314,255,386
81$453,367,301$35,663,150$14,589,732$345,695,282
82$499,378,104$37,177,983$14,845,827$380,325,427
83$550,074,681$38,759,714$15,103,172$418,470,779
84$605,934,749$40,411,391$15,361,579$460,489,428
85$667,484,746$42,136,201$15,620,844$506,775,977
86$735,304,799$43,937,484$15,880,752$557,765,266
87$810,034,201$45,818,733$16,141,069$613,936,473
88$892,377,443$47,783,605$16,401,549$675,817,641
89$983,110,869$49,835,928$16,661,927$743,990,656
90$1,083,089,998$51,979,709$16,921,922$819,096,744
91$1,193,257,606$54,219,143$17,181,235$901,842,520
92$1,314,652,621$56,558,621$17,439,546$993,006,658
93$1,448,419,934$59,002,739$17,696,516$1,093,447,240
94$1,595,821,205$61,556,310$17,951,786$1,204,109,856
95$1,758,246,772$64,224,373$18,204,975$1,326,036,530
96$1,937,228,778$67,012,203$18,455,678$1,460,375,552
97$2,134,455,636$69,925,323$18,703,465$1,608,392,322
98$2,351,787,963$72,969,516$18,947,883$1,771,481,289
99$2,591,276,149$76,150,837$19,188,452$1,951,179,120
100$2,855,179,714$79,475,625$19,424,662$2,149,179,198