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%11.1%
1 years$454,185$450,139$446,192$442,340$438,578$436,546
2 years$224,844$220,656$216,598$212,663$208,847$206,796
3 years$148,407$144,201$140,153$136,255$132,501$130,495
4 years$110,196$106,003$101,996$98,164$94,501$92,554
5 years$87,275$83,108$79,153$75,400$71,838$69,957
6 years$72,000$67,864$63,967$60,298$56,843$55,030
7 years$61,093$56,992$53,157$49,574$46,229$44,485
8 years$52,917$48,853$45,081$41,586$38,351$36,676
9 years$46,561$42,535$38,829$35,422$32,297$30,691
10 years$41,479$37,493$33,852$30,534$27,519$25,981
11 years$37,324$33,377$29,802$26,574$23,667$22,196
12 years$33,864$29,958$26,449$23,309$20,509$19,104
13 years$30,938$27,073$23,630$20,578$17,885$16,544
14 years$28,433$24,609$21,232$18,267$15,677$14,400
15 years$26,263$22,480$19,170$16,291$13,804$12,587
16 years$24,367$20,625$17,380$14,587$12,200$11,043
17 years$22,696$18,995$15,815$13,106$10,817$9,718
18 years$21,211$17,552$14,437$11,811$9,618$8,576
19 years$19,885$16,267$13,217$10,673$8,573$7,585
20 years$18,693$15,116$12,130$9,666$7,657$6,722
21 years$17,615$14,080$11,157$8,773$6,853$5,968
22 years$16,637$13,144$10,283$7,976$6,142$5,306
23 years$15,746$12,293$9,494$7,264$5,514$4,724
24 years$14,930$11,518$8,781$6,625$4,956$4,211
25 years$14,180$10,809$8,133$6,051$4,459$3,758
26 years$13,489$10,158$7,543$5,532$4,017$3,356
27 years$12,850$9,560$7,004$5,064$3,622$3,000
28 years$12,258$9,009$6,511$4,640$3,268$2,684
29 years$11,708$8,499$6,059$4,255$2,951$2,402
30 years$11,196$8,026$5,644$3,905$2,666$2,152
31 years$10,717$7,587$5,262$3,586$2,411$1,928
32 years$10,269$7,179$4,909$3,296$2,180$1,729
33 years$9,850$6,799$4,584$3,031$1,973$1,550
34 years$9,456$6,444$4,283$2,789$1,787$1,391
35 years$9,085$6,112$4,004$2,567$1,618$1,249
36 years$8,735$5,801$3,746$2,364$1,466$1,121
37 years$8,405$5,510$3,506$2,178$1,329$1,007
38 years$8,094$5,236$3,283$2,008$1,205$904
39 years$7,799$4,979$3,076$1,851$1,092$812
40 years$7,519$4,737$2,883$1,708$991$730
41 years$7,254$4,509$2,703$1,575$899$656
42 years$7,002$4,294$2,536$1,454$816$590
43 years$6,763$4,092$2,380$1,342$740$530
44 years$6,535$3,900$2,234$1,239$672$477
45 years$6,318$3,719$2,097$1,144$610$429
46 years$6,110$3,548$1,970$1,057$554$385
47 years$5,913$3,386$1,851$977$503$347
48 years$5,724$3,232$1,739$902$457$312
49 years$5,543$3,087$1,635$834$415$280
50 years$5,370$2,949$1,537$771$377$252

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 $2,980 every year, while hoping to spend $26,426 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: 77/9/14 Blend
34$5,500,000$5,500,000$5,500,000$5,500,000
35$6,064,074$5,772,574$5,687,324$6,513,227
36$6,654,492$6,027,313$5,849,732$7,064,503
37$7,304,248$6,293,649$6,016,695$7,665,227
38$8,019,365$6,572,121$6,188,338$8,323,238
39$8,806,481$6,863,296$6,364,789$9,044,241
40$9,672,912$7,167,767$6,546,179$9,834,518
41$10,626,715$7,486,154$6,732,642$10,700,984
42$11,676,772$7,819,108$6,924,318$11,651,258
43$12,832,869$8,167,310$7,121,348$12,693,728
44$14,105,786$8,531,473$7,323,879$13,837,630
45$15,507,407$8,912,345$7,532,058$15,093,140
46$17,050,821$9,310,709$7,746,042$16,471,463
47$18,750,456$9,727,385$7,965,985$17,984,939
48$20,622,208$10,163,233$8,192,051$19,647,163
49$22,683,594$10,619,152$8,424,406$21,473,106
50$24,953,916$11,096,085$8,663,218$23,479,262
51$27,454,443$11,595,021$8,908,664$25,683,798
52$30,208,614$12,116,995$9,160,922$28,106,724
53$33,242,255$12,663,090$9,420,175$30,770,086
54$36,583,827$13,234,444$9,686,613$33,698,167
55$40,264,692$13,832,246$9,960,429$36,917,721
56$44,319,408$14,457,744$10,241,821$40,458,218
57$48,786,059$15,112,244$10,530,993$44,352,125
58$53,706,609$15,797,116$10,828,153$48,635,212
59$59,127,303$16,513,794$11,133,516$53,346,886
60$65,099,100$17,263,783$11,447,301$58,530,561
61$71,678,156$18,048,656$11,769,734$64,234,070
62$78,926,353$18,870,065$12,101,045$70,510,110
63$86,911,882$19,729,739$12,441,471$77,416,742
64$95,709,889$20,629,491$12,791,255$85,017,938
65$105,403,181$21,571,220$13,150,646$93,384,179
66$116,083,013$22,556,917$13,519,900$102,593,121
67$127,849,942$23,588,667$13,899,278$112,730,327
68$140,814,780$24,668,657$14,289,048$123,890,072
69$155,099,643$25,799,176$14,689,487$136,176,231
70$170,839,098$26,982,626$15,100,875$149,703,257
71$188,181,434$28,221,524$15,523,503$164,597,260
72$207,290,066$29,518,504$15,957,666$180,997,195
73$228,345,074$30,876,332$16,403,669$199,056,173
74$251,544,902$32,297,902$16,861,822$218,942,901
75$277,108,234$33,786,252$17,332,446$240,843,273
76$305,276,058$35,344,562$17,815,866$264,962,124
77$336,313,937$36,976,167$18,312,419$291,525,161
78$370,514,521$38,684,562$18,822,448$320,781,087
79$408,200,307$40,473,410$19,346,304$353,003,951
80$449,726,682$42,346,550$19,884,349$388,495,728
81$495,485,280$44,308,008$20,436,951$427,589,170
82$545,907,679$46,362,001$21,004,489$470,650,940
83$601,469,474$48,512,951$21,587,352$518,085,075
84$662,694,768$50,765,493$22,185,935$570,336,790
85$730,161,116$53,124,484$22,800,647$627,896,685
86$804,504,984$55,595,018$23,431,902$691,305,365
87$886,427,751$58,182,432$24,080,130$761,158,545
88$976,702,333$60,892,323$24,745,765$838,112,668
89$1,076,180,479$63,730,554$25,429,256$922,891,095
90$1,185,800,812$66,703,276$26,131,061$1,016,290,934
91$1,306,597,693$69,816,935$26,851,649$1,119,190,555
92$1,439,710,979$73,078,286$27,591,501$1,232,557,884
93$1,586,396,790$76,494,413$28,351,108$1,357,459,527
94$1,748,039,366$80,072,743$29,130,973$1,495,070,841
95$1,926,164,133$83,821,058$29,931,612$1,646,687,023
96$2,122,452,105$87,747,521$30,753,552$1,813,735,327
97$2,338,755,757$91,860,687$31,597,333$1,997,788,537
98$2,577,116,507$96,169,524$32,463,506$2,200,579,807
99$2,839,783,996$100,683,435$33,352,639$2,424,019,015
100$3,129,237,318$105,412,278$34,265,307$2,670,210,790