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%20%
1 years$445,927$441,955$438,080$434,297$430,604$413,356
2 years$220,756$216,645$212,660$208,797$205,049$187,889
3 years$145,709$141,580$137,605$133,778$130,092$113,559
4 years$108,192$104,076$100,141$96,380$92,783$77,004
5 years$85,689$81,597$77,714$74,029$70,532$55,547
6 years$70,691$66,630$62,804$59,201$55,809$41,627
7 years$59,983$55,956$52,191$48,673$45,388$32,004
8 years$51,955$47,964$44,262$40,830$37,654$25,053
9 years$45,714$41,762$38,123$34,778$31,710$19,874
10 years$40,725$36,811$33,236$29,979$27,018$15,924
11 years$36,645$32,771$29,261$26,091$23,237$12,857
12 years$33,248$29,413$25,968$22,885$20,136$10,443
13 years$30,376$26,581$23,201$20,204$17,559$8,523
14 years$27,916$24,161$20,846$17,935$15,392$6,983
15 years$25,786$22,072$18,821$15,995$13,553$5,738
16 years$23,924$20,250$17,064$14,322$11,978$4,727
17 years$22,283$18,650$15,528$12,868$10,620$3,902
18 years$20,826$17,233$14,175$11,597$9,443$3,226
19 years$19,523$15,972$12,976$10,479$8,417$2,671
20 years$18,353$14,842$11,909$9,490$7,518$2,214
21 years$17,295$13,824$10,954$8,613$6,728$1,837
22 years$16,335$12,905$10,096$7,831$6,031$1,525
23 years$15,459$12,069$9,322$7,132$5,413$1,267
24 years$14,658$11,308$8,621$6,505$4,866$1,053
25 years$13,922$10,612$7,985$5,941$4,378$876
26 years$13,244$9,974$7,405$5,432$3,944$729
27 years$12,617$9,386$6,877$4,972$3,556$606
28 years$12,035$8,845$6,393$4,555$3,208$505
29 years$11,495$8,344$5,949$4,177$2,897$420
30 years$10,992$7,880$5,541$3,834$2,618$350
31 years$10,522$7,449$5,166$3,521$2,367$291
32 years$10,083$7,049$4,820$3,236$2,141$243
33 years$9,671$6,675$4,500$2,976$1,937$202
34 years$9,284$6,326$4,205$2,738$1,754$168
35 years$8,920$6,001$3,931$2,520$1,589$140
36 years$8,576$5,695$3,678$2,321$1,440$117
37 years$8,253$5,409$3,442$2,139$1,305$97
38 years$7,947$5,141$3,223$1,971$1,183$81
39 years$7,657$4,888$3,020$1,818$1,073$68
40 years$7,383$4,651$2,831$1,676$973$56
41 years$7,122$4,427$2,654$1,547$883$47
42 years$6,875$4,216$2,490$1,427$801$39
43 years$6,640$4,017$2,336$1,318$727$33
44 years$6,416$3,829$2,193$1,217$660$27
45 years$6,203$3,652$2,059$1,124$599$23
46 years$5,999$3,484$1,934$1,038$544$19
47 years$5,805$3,324$1,817$959$494$16
48 years$5,619$3,174$1,707$886$448$13
49 years$5,442$3,031$1,605$819$407$11
50 years$5,272$2,895$1,509$757$370$9

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 $5,865 every year, while hoping to spend $25,055 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: 48/39/13 Blend
34$5,400,000$5,400,000$5,400,000$5,400,000
35$5,956,850$5,670,650$5,586,950$6,221,051
36$6,537,790$5,921,853$5,747,454$6,655,049
37$7,177,147$6,184,526$5,912,496$7,122,940
38$7,880,851$6,459,204$6,082,200$7,630,408
39$8,655,440$6,746,447$6,256,696$8,181,158
40$9,508,116$7,046,843$6,436,116$8,779,257
41$10,446,814$7,361,009$6,620,596$9,429,174
42$11,480,278$7,689,587$6,810,275$10,135,815
43$12,618,145$8,033,255$7,005,298$10,904,574
44$13,871,030$8,392,719$7,205,810$11,741,376
45$15,250,633$8,768,721$7,411,963$12,652,733
46$16,769,846$9,162,036$7,623,912$13,645,802
47$18,442,874$9,573,479$7,841,816$14,728,452
48$20,285,369$10,003,902$8,065,839$15,909,332
49$22,314,580$10,454,197$8,296,148$17,197,955
50$24,549,514$10,925,299$8,532,916$18,604,781
51$27,011,115$11,418,190$8,776,319$20,141,312
52$29,722,463$11,933,894$9,026,539$21,820,201
53$32,708,988$12,473,490$9,283,763$23,655,367
54$35,998,716$13,038,102$9,548,180$25,662,119
55$39,622,529$13,628,913$9,819,988$27,857,303
56$43,614,457$14,247,160$10,099,388$30,259,452
57$48,012,001$14,894,139$10,386,586$32,888,962
58$52,856,483$15,571,210$10,681,795$35,768,275
59$58,193,441$16,279,796$10,985,232$38,922,091
60$64,073,055$17,021,389$11,297,120$42,377,592
61$70,550,622$17,797,553$11,617,689$46,164,700
62$77,687,077$18,609,925$11,947,173$50,316,349
63$85,549,570$19,460,222$12,285,815$54,868,793
64$94,212,097$20,350,244$12,633,861$59,861,943
65$103,756,201$21,281,876$12,991,565$65,339,736
66$114,271,739$22,257,094$13,359,188$71,350,548
67$125,857,733$23,277,968$13,736,997$77,947,640
68$138,623,302$24,346,668$14,125,267$85,189,656
69$152,688,694$25,465,470$14,524,278$93,141,172
70$168,186,418$26,636,756$14,934,319$101,873,294
71$185,262,501$27,863,024$15,355,687$111,464,324
72$204,077,857$29,146,894$15,788,683$122,000,494
73$224,809,814$30,491,108$16,233,621$133,576,767
74$247,653,786$31,898,543$16,690,818$146,297,729
75$272,825,115$33,372,214$17,160,602$160,278,564
76$300,561,104$34,915,280$17,643,310$175,646,134
77$331,123,260$36,531,052$18,139,285$192,540,168
78$364,799,762$38,223,003$18,648,880$211,114,568
79$401,908,177$39,994,770$19,172,457$231,538,852
80$442,798,465$41,850,167$19,710,387$253,999,744
81$487,856,274$43,793,191$20,263,052$278,702,925
82$537,506,590$45,828,033$20,830,840$305,874,961
83$592,217,741$47,959,085$21,414,151$335,765,430
84$652,505,822$50,190,952$22,013,396$368,649,265
85$718,939,565$52,528,458$22,628,995$404,829,334
86$792,145,713$54,976,665$23,261,379$444,639,285
87$872,814,928$57,540,874$23,910,987$488,446,682
88$961,708,320$60,226,645$24,578,274$536,656,455
89$1,059,664,624$63,039,807$25,263,703$589,714,711
90$1,167,608,127$65,986,469$25,967,748$648,112,921
91$1,286,557,385$69,073,035$26,690,896$712,392,549
92$1,417,634,844$72,306,219$27,433,647$783,150,136
93$1,562,077,435$75,693,060$28,196,510$861,042,920
94$1,721,248,250$79,240,938$28,980,011$946,795,010
95$1,896,649,415$82,957,587$29,784,685$1,041,204,208
96$2,089,936,265$86,851,118$30,611,081$1,145,149,513
97$2,302,932,975$90,930,034$31,459,763$1,259,599,393
98$2,537,649,780$95,203,247$32,331,307$1,385,620,908
99$2,796,301,955$99,680,104$33,226,303$1,524,389,753
100$3,081,330,727$104,370,401$34,145,357$1,677,201,328