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

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 $5,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$445,927$441,955$438,080$434,297$430,604$420,023
2 years$220,756$216,645$212,660$208,797$205,049$194,455
3 years$145,709$141,580$137,605$133,778$130,092$119,815
4 years$108,192$104,076$100,141$96,380$92,783$82,902
5 years$85,689$81,597$77,714$74,029$70,532$61,075
6 years$70,691$66,630$62,804$59,201$55,809$46,786
7 years$59,983$55,956$52,191$48,673$45,388$36,799
8 years$51,955$47,964$44,262$40,830$37,654$29,496
9 years$45,714$41,762$38,123$34,778$31,710$23,976
10 years$40,725$36,811$33,236$29,979$27,018$19,700
11 years$36,645$32,771$29,261$26,091$23,237$16,322
12 years$33,248$29,413$25,968$22,885$20,136$13,615
13 years$30,376$26,581$23,201$20,204$17,559$11,418
14 years$27,916$24,161$20,846$17,935$15,392$9,618
15 years$25,786$22,072$18,821$15,995$13,553$8,131
16 years$23,924$20,250$17,064$14,322$11,978$6,894
17 years$22,283$18,650$15,528$12,868$10,620$5,860
18 years$20,826$17,233$14,175$11,597$9,443$4,992
19 years$19,523$15,972$12,976$10,479$8,417$4,260
20 years$18,353$14,842$11,909$9,490$7,518$3,640
21 years$17,295$13,824$10,954$8,613$6,728$3,115
22 years$16,335$12,905$10,096$7,831$6,031$2,668
23 years$15,459$12,069$9,322$7,132$5,413$2,288
24 years$14,658$11,308$8,621$6,505$4,866$1,963
25 years$13,922$10,612$7,985$5,941$4,378$1,685
26 years$13,244$9,974$7,405$5,432$3,944$1,448
27 years$12,617$9,386$6,877$4,972$3,556$1,245
28 years$12,035$8,845$6,393$4,555$3,208$1,070
29 years$11,495$8,344$5,949$4,177$2,897$920
30 years$10,992$7,880$5,541$3,834$2,618$792
31 years$10,522$7,449$5,166$3,521$2,367$682
32 years$10,083$7,049$4,820$3,236$2,141$587
33 years$9,671$6,675$4,500$2,976$1,937$505
34 years$9,284$6,326$4,205$2,738$1,754$435
35 years$8,920$6,001$3,931$2,520$1,589$375
36 years$8,576$5,695$3,678$2,321$1,440$323
37 years$8,253$5,409$3,442$2,139$1,305$278
38 years$7,947$5,141$3,223$1,971$1,183$240
39 years$7,657$4,888$3,020$1,818$1,073$206
40 years$7,383$4,651$2,831$1,676$973$178
41 years$7,122$4,427$2,654$1,547$883$153
42 years$6,875$4,216$2,490$1,427$801$132
43 years$6,640$4,017$2,336$1,318$727$114
44 years$6,416$3,829$2,193$1,217$660$98
45 years$6,203$3,652$2,059$1,124$599$85
46 years$5,999$3,484$1,934$1,038$544$73
47 years$5,805$3,324$1,817$959$494$63
48 years$5,619$3,174$1,707$886$448$54
49 years$5,442$3,031$1,605$819$407$47
50 years$5,272$2,895$1,509$757$370$40

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 $5,332 every year, while hoping to spend $45,545 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: 42/45/13 Blend
34$5,400,000$5,400,000$5,400,000$5,400,000
35$5,956,300$5,670,100$5,586,400$6,183,564
36$6,515,383$5,899,475$5,725,085$6,572,977
37$7,129,966$6,138,564$5,866,889$6,989,450
38$7,805,662$6,387,793$6,011,869$7,439,425
39$8,548,655$6,647,610$6,160,082$7,925,984
40$9,365,758$6,918,483$6,311,585$8,452,509
41$10,264,477$7,200,900$6,466,435$9,022,712
42$11,253,083$7,495,374$6,624,690$9,640,670
43$12,340,688$7,802,438$6,786,408$10,310,862
44$13,537,332$8,122,651$6,951,646$11,038,205
45$14,854,078$8,456,599$7,120,464$11,828,105
46$16,303,113$8,804,892$7,292,920$12,686,498
47$17,897,869$9,168,170$7,469,071$13,619,911
48$19,653,143$9,547,101$7,648,976$14,635,517
49$21,585,240$9,942,386$7,832,693$15,741,199
50$23,712,127$10,354,755$8,020,280$16,945,627
51$26,053,599$10,784,973$8,211,795$18,258,333
52$28,631,471$11,233,841$8,407,295$19,689,798
53$31,469,778$11,702,197$8,606,837$21,251,551
54$34,595,007$12,190,916$8,810,477$22,956,271
55$38,036,341$12,700,915$9,018,272$24,817,906
56$41,825,940$13,233,151$9,230,276$26,851,801
57$45,999,240$13,788,629$9,446,543$29,074,837
58$50,595,288$14,368,398$9,667,128$31,505,591
59$55,657,113$14,973,555$9,892,083$34,164,503
60$61,232,129$15,605,250$10,121,458$37,074,069
61$67,372,583$16,264,684$10,355,304$40,259,043
62$74,136,049$16,953,116$10,593,669$43,746,676
63$81,585,970$17,671,863$10,836,601$47,566,957
64$89,792,256$18,422,301$11,084,144$51,752,902
65$98,831,945$19,205,873$11,336,342$56,340,853
66$108,789,931$20,024,088$11,593,237$61,370,820
67$119,759,760$20,878,525$11,854,867$66,886,852
68$131,844,520$21,770,837$12,121,269$72,937,447
69$145,157,807$22,702,754$12,392,478$79,576,004
70$159,824,802$23,676,087$12,668,524$86,861,320
71$175,983,448$24,692,732$12,949,436$94,858,140
72$193,785,756$25,754,672$13,235,239$103,637,761
73$213,399,238$26,863,986$13,525,954$113,278,698
74$235,008,486$28,022,846$13,821,599$123,867,417
75$258,816,916$29,233,531$14,122,187$135,499,144
76$285,048,690$30,498,423$14,427,729$148,278,756
77$313,950,827$31,820,016$14,738,229$162,321,762
78$345,795,538$33,200,923$15,053,686$177,755,385
79$380,882,794$34,643,879$15,374,095$194,719,755
80$419,543,157$36,151,748$15,699,445$213,369,221
81$462,140,902$37,727,526$16,029,720$233,873,795
82$509,077,455$39,374,355$16,364,896$256,420,754
83$560,795,178$41,095,522$16,704,943$281,216,389
84$617,781,551$42,894,468$17,049,824$308,487,945
85$680,573,770$44,774,798$17,399,494$338,485,754
86$749,763,819$46,740,287$17,753,901$371,485,584
87$826,004,055$48,794,887$18,112,983$407,791,233
88$910,013,372$50,942,740$18,476,672$447,737,376
89$1,002,583,982$53,188,180$18,844,886$491,692,719
90$1,104,588,895$55,535,748$19,217,536$540,063,456
91$1,216,990,162$57,990,199$19,594,523$593,297,096
92$1,340,847,953$60,556,514$19,975,735$651,886,665
93$1,477,330,570$63,239,909$20,361,048$716,375,346
94$1,627,725,473$66,045,848$20,750,327$787,361,587
95$1,793,451,431$68,980,055$21,143,423$865,504,735
96$1,976,071,923$72,048,524$21,540,174$951,531,239
97$2,177,309,892$75,257,534$21,940,402$1,046,241,485
98$2,399,064,010$78,613,663$22,343,915$1,150,517,337
99$2,643,426,606$82,123,799$22,750,503$1,265,330,431
100$2,912,703,416$85,795,162$23,159,941$1,391,751,332