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%16.4%
1 years$454,185$450,139$446,192$442,340$438,578$427,109
2 years$224,844$220,656$216,598$212,663$208,847$197,370
3 years$148,407$144,201$140,153$136,255$132,501$121,376
4 years$110,196$106,003$101,996$98,164$94,501$83,813
5 years$87,275$83,108$79,153$75,400$71,838$61,616
6 years$72,000$67,864$63,967$60,298$56,843$47,098
7 years$61,093$56,992$53,157$49,574$46,229$36,961
8 years$52,917$48,853$45,081$41,586$38,351$29,556
9 years$46,561$42,535$38,829$35,422$32,297$23,967
10 years$41,479$37,493$33,852$30,534$27,519$19,643
11 years$37,324$33,377$29,802$26,574$23,667$16,234
12 years$33,864$29,958$26,449$23,309$20,509$13,506
13 years$30,938$27,073$23,630$20,578$17,885$11,296
14 years$28,433$24,609$21,232$18,267$15,677$9,489
15 years$26,263$22,480$19,170$16,291$13,804$7,999
16 years$24,367$20,625$17,380$14,587$12,200$6,763
17 years$22,696$18,995$15,815$13,106$10,817$5,733
18 years$21,211$17,552$14,437$11,811$9,618$4,869
19 years$19,885$16,267$13,217$10,673$8,573$4,142
20 years$18,693$15,116$12,130$9,666$7,657$3,529
21 years$17,615$14,080$11,157$8,773$6,853$3,011
22 years$16,637$13,144$10,283$7,976$6,142$2,571
23 years$15,746$12,293$9,494$7,264$5,514$2,197
24 years$14,930$11,518$8,781$6,625$4,956$1,879
25 years$14,180$10,809$8,133$6,051$4,459$1,608
26 years$13,489$10,158$7,543$5,532$4,017$1,377
27 years$12,850$9,560$7,004$5,064$3,622$1,180
28 years$12,258$9,009$6,511$4,640$3,268$1,011
29 years$11,708$8,499$6,059$4,255$2,951$867
30 years$11,196$8,026$5,644$3,905$2,666$744
31 years$10,717$7,587$5,262$3,586$2,411$638
32 years$10,269$7,179$4,909$3,296$2,180$547
33 years$9,850$6,799$4,584$3,031$1,973$470
34 years$9,456$6,444$4,283$2,789$1,787$403
35 years$9,085$6,112$4,004$2,567$1,618$346
36 years$8,735$5,801$3,746$2,364$1,466$297
37 years$8,405$5,510$3,506$2,178$1,329$255
38 years$8,094$5,236$3,283$2,008$1,205$219
39 years$7,799$4,979$3,076$1,851$1,092$188
40 years$7,519$4,737$2,883$1,708$991$162
41 years$7,254$4,509$2,703$1,575$899$139
42 years$7,002$4,294$2,536$1,454$816$119
43 years$6,763$4,092$2,380$1,342$740$102
44 years$6,535$3,900$2,234$1,239$672$88
45 years$6,318$3,719$2,097$1,144$610$76
46 years$6,110$3,548$1,970$1,057$554$65
47 years$5,913$3,386$1,851$977$503$56
48 years$5,724$3,232$1,739$902$457$48
49 years$5,543$3,087$1,635$834$415$41
50 years$5,370$2,949$1,537$771$377$35

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 $6,976 every year, while hoping to spend $23,811 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: 52/20/28 Blend
34$5,500,000$5,500,000$5,500,000$5,500,000
35$6,068,196$5,776,696$5,691,446$6,335,741
36$6,661,817$6,034,419$5,856,774$6,780,172
37$7,315,190$6,303,973$6,026,844$7,260,405
38$8,034,383$6,585,912$6,201,787$7,782,367
39$8,826,085$6,880,816$6,381,742$8,350,051
40$9,697,665$7,189,295$6,566,849$8,967,850
41$10,657,242$7,511,986$6,757,254$9,640,592
42$11,713,765$7,849,557$6,953,106$10,373,587
43$12,877,091$8,202,708$7,154,558$11,172,676
44$14,158,085$8,572,172$7,361,766$12,044,284
45$15,568,718$8,958,716$7,574,893$12,995,478
46$17,122,180$9,363,147$7,794,106$14,034,036
47$18,833,008$9,786,306$8,019,573$15,168,511
48$20,717,217$10,229,077$8,251,471$16,408,320
49$22,792,458$10,692,387$8,489,980$17,763,821
50$25,078,179$11,177,204$8,735,284$19,246,418
51$27,595,811$11,684,545$8,987,575$20,868,659
52$30,368,971$12,215,475$9,247,046$22,644,357
53$33,423,683$12,771,110$9,513,899$24,588,718
54$36,788,623$13,352,619$9,788,339$26,718,479
55$40,495,393$13,961,227$10,070,578$29,052,068
56$44,578,814$14,598,219$10,360,834$31,609,770
57$49,077,261$15,264,939$10,659,329$34,413,924
58$54,033,018$15,962,798$10,966,294$37,489,122
59$59,492,684$16,693,273$11,281,962$40,862,444
60$65,507,607$17,457,912$11,606,577$44,563,712
61$72,134,372$18,258,340$11,940,387$48,625,762
62$79,435,335$19,096,255$12,283,647$53,084,758
63$87,479,208$19,973,440$12,636,618$57,980,525
64$96,341,712$20,891,764$12,999,570$63,356,923
65$106,106,291$21,853,184$13,372,779$69,262,259
66$116,864,894$22,859,752$13,756,529$75,749,738
67$128,718,852$23,913,618$14,151,111$82,877,962
68$141,779,826$25,017,037$14,556,824$90,711,475
69$156,170,866$26,172,369$14,973,976$99,321,377
70$172,027,571$27,382,093$15,402,881$108,785,980
71$189,499,370$28,648,802$15,843,865$119,191,553
72$208,750,930$29,975,217$16,297,258$130,633,122
73$229,963,711$31,364,189$16,763,402$143,215,369
74$253,337,681$32,818,706$17,242,648$157,053,613
75$279,093,204$34,341,901$17,735,356$172,274,891
76$307,473,114$35,937,058$18,241,894$189,019,154
77$338,745,016$37,607,619$18,762,642$207,440,581
78$373,203,806$39,357,190$19,297,989$227,709,031
79$411,174,457$41,189,555$19,848,334$250,011,633
80$453,015,086$43,108,678$20,414,087$274,554,555
81$499,120,335$45,118,713$20,995,669$301,564,937
82$549,925,097$47,224,018$21,593,512$331,293,027
83$605,908,622$49,429,160$22,208,060$364,014,543
84$667,599,037$51,738,925$22,839,766$400,033,258
85$735,578,339$54,158,332$23,489,098$439,683,868
86$810,487,882$56,692,643$24,156,535$483,335,137
87$893,034,436$59,347,372$24,842,569$531,393,373
88$983,996,857$62,128,302$25,547,704$584,306,250
89$1,084,233,442$65,041,494$26,272,457$642,567,028
90$1,194,690,028$68,093,303$27,017,360$706,719,198
91$1,316,408,927$71,290,391$27,782,958$777,361,602
92$1,450,538,760$74,639,743$28,569,809$855,154,071
93$1,598,345,304$78,148,680$29,378,488$940,823,651
94$1,761,223,441$81,824,881$30,209,583$1,035,171,445
95$1,940,710,325$85,676,393$31,063,697$1,139,080,168
96$2,138,499,897$89,711,656$31,941,450$1,253,522,466
97$2,356,458,875$93,939,515$32,843,477$1,379,570,083
98$2,596,644,376$98,369,247$33,770,429$1,518,403,964
99$2,861,323,340$103,010,578$34,722,976$1,671,325,391
100$3,152,993,926$107,873,702$35,701,801$1,839,768,246