Can I retire at age 35 with 5,500,000?

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 $5,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$454,185$450,139$446,192$442,340$438,578$429,021
2 years$224,844$220,656$216,598$212,663$208,847$199,267
3 years$148,407$144,201$140,153$136,255$132,501$123,197
4 years$110,196$106,003$101,996$98,164$94,501$85,544
5 years$87,275$83,108$79,153$75,400$71,838$63,254
6 years$72,000$67,864$63,967$60,298$56,843$48,640
7 years$61,093$56,992$53,157$49,574$46,229$38,409
8 years$52,917$48,853$45,081$41,586$38,351$30,912
9 years$46,561$42,535$38,829$35,422$32,297$25,233
10 years$41,479$37,493$33,852$30,534$27,519$20,823
11 years$37,324$33,377$29,802$26,574$23,667$17,330
12 years$33,864$29,958$26,449$23,309$20,509$14,522
13 years$30,938$27,073$23,630$20,578$17,885$12,235
14 years$28,433$24,609$21,232$18,267$15,677$10,356
15 years$26,263$22,480$19,170$16,291$13,804$8,797
16 years$24,367$20,625$17,380$14,587$12,200$7,497
17 years$22,696$18,995$15,815$13,106$10,817$6,405
18 years$21,211$17,552$14,437$11,811$9,618$5,484
19 years$19,885$16,267$13,217$10,673$8,573$4,704
20 years$18,693$15,116$12,130$9,666$7,657$4,041
21 years$17,615$14,080$11,157$8,773$6,853$3,477
22 years$16,637$13,144$10,283$7,976$6,142$2,994
23 years$15,746$12,293$9,494$7,264$5,514$2,581
24 years$14,930$11,518$8,781$6,625$4,956$2,227
25 years$14,180$10,809$8,133$6,051$4,459$1,923
26 years$13,489$10,158$7,543$5,532$4,017$1,661
27 years$12,850$9,560$7,004$5,064$3,622$1,436
28 years$12,258$9,009$6,511$4,640$3,268$1,242
29 years$11,708$8,499$6,059$4,255$2,951$1,074
30 years$11,196$8,026$5,644$3,905$2,666$930
31 years$10,717$7,587$5,262$3,586$2,411$805
32 years$10,269$7,179$4,909$3,296$2,180$697
33 years$9,850$6,799$4,584$3,031$1,973$604
34 years$9,456$6,444$4,283$2,789$1,787$523
35 years$9,085$6,112$4,004$2,567$1,618$453
36 years$8,735$5,801$3,746$2,364$1,466$393
37 years$8,405$5,510$3,506$2,178$1,329$340
38 years$8,094$5,236$3,283$2,008$1,205$295
39 years$7,799$4,979$3,076$1,851$1,092$256
40 years$7,519$4,737$2,883$1,708$991$222
41 years$7,254$4,509$2,703$1,575$899$192
42 years$7,002$4,294$2,536$1,454$816$167
43 years$6,763$4,092$2,380$1,342$740$144
44 years$6,535$3,900$2,234$1,239$672$125
45 years$6,318$3,719$2,097$1,144$610$109
46 years$6,110$3,548$1,970$1,057$554$94
47 years$5,913$3,386$1,851$977$503$82
48 years$5,724$3,232$1,739$902$457$71
49 years$5,543$3,087$1,635$834$415$61
50 years$5,370$2,949$1,537$771$377$53

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,500,000, adding $3,867 every year, while hoping to spend $50,641 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: 38/36/26 Blend
34$5,500,000$5,500,000$5,500,000$5,500,000
35$6,064,989$5,773,489$5,688,239$6,248,302
36$6,629,736$6,002,508$5,824,913$6,611,776
37$7,250,390$6,241,052$5,964,469$6,999,376
38$7,932,600$6,489,534$6,106,949$7,417,294
39$8,682,590$6,748,386$6,252,396$7,868,313
40$9,507,216$7,018,058$6,400,853$8,355,486
41$10,414,032$7,299,023$6,552,362$8,882,165
42$11,411,362$7,591,774$6,706,964$9,452,034
43$12,508,375$7,896,825$6,864,702$10,069,137
44$13,715,174$8,214,714$7,025,614$10,737,920
45$15,042,892$8,546,005$7,189,742$11,463,268
46$16,503,793$8,891,285$7,357,125$12,250,550
47$18,111,391$9,251,170$7,527,800$13,105,668
48$19,880,577$9,626,302$7,701,806$14,035,109
49$21,827,758$10,017,352$7,879,178$15,046,009
50$23,971,011$10,425,024$8,059,952$16,146,212
51$26,330,256$10,850,052$8,244,162$17,344,347
52$28,927,441$11,293,204$8,431,840$18,649,903
53$31,786,751$11,755,282$8,623,018$20,073,319
54$34,934,835$12,237,126$8,817,725$21,626,082
55$38,401,058$12,739,615$9,015,988$23,320,825
56$42,217,775$13,263,665$9,217,833$25,171,454
57$46,420,642$13,810,239$9,423,285$27,193,266
58$51,048,946$14,380,339$9,632,363$29,403,101
59$56,145,979$14,975,016$9,845,088$31,819,488
60$61,759,446$15,595,368$10,061,475$34,462,824
61$67,941,913$16,242,545$10,281,538$37,355,560
62$74,751,307$16,917,749$10,505,288$40,522,409
63$82,251,457$17,622,235$10,732,732$43,990,579
64$90,512,701$18,357,321$10,963,875$47,790,020
65$99,612,548$19,124,380$11,198,715$51,953,712
66$109,636,407$19,924,854$11,437,251$56,517,963
67$120,678,395$20,760,247$11,679,475$61,522,752
68$132,842,228$21,632,135$11,925,373$67,012,103
69$146,242,193$22,542,167$12,174,931$73,034,493
70$161,004,230$23,492,068$12,428,125$79,643,308
71$177,267,124$24,483,641$12,684,929$86,897,338
72$195,183,807$25,518,776$12,945,311$94,861,331
73$214,922,808$26,599,449$13,209,232$103,606,596
74$236,669,841$27,727,728$13,476,647$113,211,672
75$260,629,555$28,905,777$13,747,505$123,763,062
76$287,027,471$30,135,861$14,021,747$135,356,044
77$316,112,105$31,420,351$14,299,309$148,095,566
78$348,157,320$32,761,728$14,580,115$162,097,227
79$383,464,902$34,162,588$14,864,085$177,488,363
80$422,367,417$35,625,650$15,151,126$194,409,241
81$465,231,345$37,153,758$15,441,141$213,014,377
82$512,460,541$38,749,891$15,734,018$233,473,984
83$564,500,046$40,417,166$16,029,637$255,975,573
84$621,840,289$42,158,846$16,327,869$280,725,713
85$685,021,716$43,978,347$16,628,570$307,951,975
86$754,639,891$45,879,246$16,931,587$337,905,067
87$831,351,118$47,865,286$17,236,753$370,861,190
88$915,878,635$49,940,389$17,543,887$407,124,643
89$1,009,019,445$52,108,657$17,852,796$447,030,674
90$1,111,651,835$54,374,387$18,163,271$490,948,644
91$1,224,743,669$56,742,079$18,475,088$539,285,494
92$1,349,361,526$59,216,444$18,788,006$592,489,579
93$1,486,680,765$61,802,413$19,101,768$651,054,888
94$1,637,996,624$64,505,153$19,416,098$715,525,690
95$1,804,736,445$67,330,070$19,730,703$786,501,665
96$1,988,473,149$70,282,830$20,045,268$864,643,543
97$2,190,940,085$73,369,364$20,359,459$950,679,332
98$2,414,047,393$76,595,881$20,672,920$1,045,411,173
99$2,659,900,035$79,968,888$20,985,271$1,149,722,896
100$2,930,817,671$83,495,196$21,296,110$1,264,588,346