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%14%
1 years$445,927$441,955$438,080$434,297$430,604$423,470
2 years$220,756$216,645$212,660$208,797$205,049$197,883
3 years$145,709$141,580$137,605$133,778$130,092$123,116
4 years$108,192$104,076$100,141$96,380$92,783$86,051
5 years$85,689$81,597$77,714$74,029$70,532$64,064
6 years$70,691$66,630$62,804$59,201$55,809$49,613
7 years$59,983$55,956$52,191$48,673$45,388$39,464
8 years$51,955$47,964$44,262$40,830$37,654$32,002
9 years$45,714$41,762$38,123$34,778$31,710$26,326
10 years$40,725$36,811$33,236$29,979$27,018$21,899
11 years$36,645$32,771$29,261$26,091$23,237$18,376
12 years$33,248$29,413$25,968$22,885$20,136$15,528
13 years$30,376$26,581$23,201$20,204$17,559$13,197
14 years$27,916$24,161$20,846$17,935$15,392$11,268
15 years$25,786$22,072$18,821$15,995$13,553$9,659
16 years$23,924$20,250$17,064$14,322$11,978$8,307
17 years$22,283$18,650$15,528$12,868$10,620$7,163
18 years$20,826$17,233$14,175$11,597$9,443$6,192
19 years$19,523$15,972$12,976$10,479$8,417$5,362
20 years$18,353$14,842$11,909$9,490$7,518$4,652
21 years$17,295$13,824$10,954$8,613$6,728$4,042
22 years$16,335$12,905$10,096$7,831$6,031$3,516
23 years$15,459$12,069$9,322$7,132$5,413$3,062
24 years$14,658$11,308$8,621$6,505$4,866$2,669
25 years$13,922$10,612$7,985$5,941$4,378$2,328
26 years$13,244$9,974$7,405$5,432$3,944$2,033
27 years$12,617$9,386$6,877$4,972$3,556$1,776
28 years$12,035$8,845$6,393$4,555$3,208$1,552
29 years$11,495$8,344$5,949$4,177$2,897$1,357
30 years$10,992$7,880$5,541$3,834$2,618$1,187
31 years$10,522$7,449$5,166$3,521$2,367$1,039
32 years$10,083$7,049$4,820$3,236$2,141$909
33 years$9,671$6,675$4,500$2,976$1,937$796
34 years$9,284$6,326$4,205$2,738$1,754$697
35 years$8,920$6,001$3,931$2,520$1,589$611
36 years$8,576$5,695$3,678$2,321$1,440$535
37 years$8,253$5,409$3,442$2,139$1,305$469
38 years$7,947$5,141$3,223$1,971$1,183$411
39 years$7,657$4,888$3,020$1,818$1,073$360
40 years$7,383$4,651$2,831$1,676$973$316
41 years$7,122$4,427$2,654$1,547$883$277
42 years$6,875$4,216$2,490$1,427$801$243
43 years$6,640$4,017$2,336$1,318$727$213
44 years$6,416$3,829$2,193$1,217$660$186
45 years$6,203$3,652$2,059$1,124$599$163
46 years$5,999$3,484$1,934$1,038$544$143
47 years$5,805$3,324$1,817$959$494$126
48 years$5,619$3,174$1,707$886$448$110
49 years$5,442$3,031$1,605$819$407$97
50 years$5,272$2,895$1,509$757$370$85

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 $6,835 every year, while hoping to spend $36,914 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: 44/30/26 Blend
34$5,400,000$5,400,000$5,400,000$5,400,000
35$5,957,850$5,671,650$5,587,950$6,174,767
36$6,526,275$5,910,285$5,735,870$6,568,395
37$7,151,441$6,159,376$5,887,509$6,990,746
38$7,839,099$6,419,395$6,042,951$7,447,861
39$8,595,581$6,690,840$6,202,284$7,942,992
40$9,427,866$6,974,227$6,365,596$8,479,709
41$10,343,644$7,270,100$6,532,979$9,061,936
42$11,351,387$7,579,026$6,704,525$9,693,984
43$12,460,429$7,901,598$6,880,327$10,380,591
44$13,681,056$8,238,440$7,060,482$11,126,967
45$15,024,602$8,590,202$7,245,086$11,938,838
46$16,503,554$8,957,564$7,434,238$12,822,500
47$18,131,671$9,341,240$7,628,040$13,784,876
48$19,924,117$9,741,975$7,826,595$14,833,581
49$21,897,597$10,160,552$8,030,006$15,976,990
50$24,070,520$10,597,788$8,238,379$17,224,313
51$26,463,172$11,054,538$8,451,824$18,585,686
52$29,097,904$11,531,699$8,670,448$20,072,259
53$31,999,346$12,030,208$8,894,365$21,696,299
54$35,194,640$12,551,049$9,123,686$23,471,305
55$38,713,691$13,095,248$9,358,528$25,412,134
56$42,589,456$13,663,883$9,599,006$27,535,136
57$46,858,247$14,258,081$9,845,240$29,858,304
58$51,560,083$14,879,021$10,097,350$32,401,446
59$56,739,058$15,527,940$10,355,458$35,186,366
60$62,443,764$16,206,131$10,619,687$38,237,064
61$68,727,745$16,914,948$10,890,164$41,579,963
62$75,650,006$17,655,812$11,167,016$45,244,155
63$83,275,567$18,430,207$11,450,371$49,261,669
64$91,676,076$19,239,689$11,740,360$53,667,770
65$100,930,489$20,085,887$12,037,115$58,501,291
66$111,125,811$20,970,507$12,340,771$63,804,991
67$122,357,919$21,895,337$12,651,462$69,625,960
68$134,732,466$22,862,248$12,969,325$76,016,051
69$148,365,879$23,873,199$13,294,499$83,032,372
70$163,386,457$24,930,245$13,627,123$90,737,817
71$179,935,583$26,035,534$13,967,339$99,201,654
72$198,169,057$27,191,319$14,315,289$108,500,174
73$218,258,566$28,399,959$14,671,117$118,717,406
74$240,393,307$29,663,925$15,034,967$129,945,906
75$264,781,772$30,985,805$15,406,985$142,287,620
76$291,653,713$32,368,309$15,787,320$155,854,844
77$321,262,315$33,814,279$16,176,118$170,771,275
78$353,886,581$35,326,689$16,573,528$187,173,174
79$389,833,971$36,908,655$16,979,700$205,210,643
80$429,443,300$38,563,444$17,394,783$225,049,034
81$473,087,938$40,294,473$17,818,930$246,870,504
82$521,179,333$42,105,329$18,252,290$270,875,725
83$574,170,899$43,999,763$18,695,015$297,285,771
84$632,562,289$45,981,710$19,147,257$326,344,191
85$696,904,118$48,055,290$19,609,166$358,319,307
86$767,803,160$50,224,821$20,080,894$393,506,730
87$845,928,070$52,494,825$20,562,592$432,232,142
88$932,015,704$54,870,043$21,054,410$474,854,363
89$1,026,878,071$57,355,440$21,556,498$521,768,721
90$1,131,409,997$59,956,219$22,069,004$573,410,780
91$1,246,597,576$62,677,833$22,592,075$630,260,430
92$1,373,527,477$65,525,995$23,125,857$692,846,415
93$1,513,397,201$68,506,690$23,670,495$761,751,301
94$1,667,526,390$71,626,192$24,226,130$837,616,969
95$1,837,369,280$74,891,074$24,792,904$921,150,656
96$2,024,528,434$78,308,223$25,370,954$1,013,131,618
97$2,230,769,867$81,884,859$25,960,414$1,114,418,468
98$2,458,039,722$85,628,546$26,561,416$1,225,957,269
99$2,708,482,638$89,547,210$27,174,088$1,348,790,443
100$2,984,462,003$93,649,158$27,798,556$1,484,066,598