Can I retire at age 35 with 5,600,000?

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 $5,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$462,443$458,324$454,305$450,382$446,552$431,395
2 years$228,932$224,668$220,536$216,530$212,644$197,525
3 years$151,105$146,823$142,702$138,733$134,910$120,305
4 years$112,200$107,931$103,850$99,949$96,219$82,238
5 years$88,862$84,619$80,592$76,771$73,144$59,826
6 years$73,309$69,098$65,130$61,394$57,876$45,231
7 years$62,204$58,028$54,124$50,475$47,069$35,094
8 years$53,879$49,741$45,901$42,343$39,048$27,735
9 years$47,408$43,308$39,535$36,066$32,884$22,218
10 years$42,233$38,174$34,467$31,090$28,019$17,983
11 years$38,003$33,984$30,344$27,057$24,097$14,672
12 years$34,480$30,502$26,930$23,733$20,882$12,046
13 years$31,501$27,565$24,060$20,953$18,210$9,939
14 years$28,950$25,056$21,618$18,599$15,963$8,234
15 years$26,741$22,889$19,518$16,587$14,055$6,844
16 years$24,810$21,000$17,696$14,852$12,422$5,704
17 years$23,108$19,341$16,103$13,345$11,014$4,765
18 years$21,597$17,872$14,700$12,026$9,793$3,987
19 years$20,247$16,563$13,457$10,867$8,729$3,341
20 years$19,033$15,391$12,350$9,842$7,797$2,804
21 years$17,936$14,336$11,360$8,932$6,977$2,355
22 years$16,940$13,383$10,470$8,121$6,254$1,980
23 years$16,032$12,516$9,667$7,396$5,614$1,666
24 years$15,201$11,727$8,940$6,746$5,046$1,402
25 years$14,438$11,005$8,280$6,161$4,541$1,181
26 years$13,734$10,343$7,680$5,633$4,090$995
27 years$13,084$9,734$7,131$5,156$3,687$839
28 years$12,481$9,172$6,629$4,724$3,327$707
29 years$11,921$8,653$6,169$4,332$3,004$597
30 years$11,399$8,172$5,746$3,976$2,715$503
31 years$10,912$7,725$5,357$3,651$2,454$425
32 years$10,456$7,310$4,998$3,356$2,220$358
33 years$10,029$6,922$4,667$3,086$2,009$303
34 years$9,627$6,561$4,361$2,839$1,819$255
35 years$9,250$6,223$4,077$2,614$1,648$216
36 years$8,894$5,906$3,814$2,407$1,493$182
37 years$8,558$5,610$3,570$2,218$1,353$154
38 years$8,241$5,331$3,343$2,044$1,227$130
39 years$7,941$5,069$3,132$1,885$1,112$110
40 years$7,656$4,823$2,936$1,739$1,009$92
41 years$7,386$4,591$2,753$1,604$915$78
42 years$7,130$4,372$2,582$1,480$831$66
43 years$6,886$4,166$2,423$1,367$754$56
44 years$6,654$3,971$2,274$1,262$684$47
45 years$6,432$3,787$2,135$1,165$621$40
46 years$6,221$3,613$2,006$1,076$564$34
47 years$6,020$3,447$1,884$994$512$28
48 years$5,828$3,291$1,771$919$465$24
49 years$5,644$3,143$1,664$849$422$20
50 years$5,468$3,002$1,565$785$384$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,600,000, adding $5,426 every year, while hoping to spend $22,869 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: 74/14/12 Blend
34$5,600,000$5,600,000$5,600,000$5,600,000
35$6,176,797$5,879,997$5,793,197$6,618,580
36$6,782,498$6,143,784$5,962,937$7,174,892
37$7,449,214$6,419,731$6,137,596$7,780,839
38$8,183,144$6,708,408$6,317,316$8,444,096
39$8,991,120$7,010,415$6,502,241$9,170,342
40$9,880,667$7,326,379$6,692,520$9,965,824
41$10,860,082$7,656,958$6,888,305$10,837,422
42$11,938,501$8,002,840$7,089,755$11,792,708
43$13,125,996$8,364,747$7,297,029$12,840,022
44$14,433,663$8,743,435$7,510,295$13,988,544
45$15,873,730$9,139,696$7,729,723$15,248,383
46$17,459,670$9,554,361$7,955,489$16,630,670
47$19,206,331$9,988,299$8,187,772$18,147,664
48$21,130,073$10,442,423$8,426,759$19,812,862
49$23,248,925$10,917,686$8,672,640$21,641,131
50$25,582,753$11,415,090$8,925,611$23,648,842
51$28,153,448$11,935,684$9,185,873$25,854,026
52$30,985,134$12,480,566$9,453,634$28,276,544
53$34,104,392$13,050,889$9,729,105$30,938,267
54$37,540,516$13,647,858$10,012,507$33,863,288
55$41,325,786$14,272,740$10,304,062$37,078,144
56$45,495,771$14,926,859$10,604,003$40,612,066
57$50,089,669$15,611,605$10,912,567$44,497,251
58$55,150,675$16,328,434$11,229,998$48,769,168
59$60,726,387$17,078,870$11,556,546$53,466,888
60$66,869,258$17,864,514$11,892,470$58,633,452
61$73,637,088$18,687,041$12,238,033$64,316,275
62$81,093,572$19,548,207$12,593,508$70,567,589
63$89,308,901$20,449,854$12,959,176$77,444,940
64$98,360,423$21,393,911$13,335,322$85,011,722
65$108,333,373$22,382,400$13,722,242$93,337,776
66$119,321,681$23,417,440$14,120,241$102,500,050
67$131,428,852$24,501,255$14,529,629$112,583,315
68$144,768,950$25,636,171$14,950,726$123,680,969
69$159,467,670$26,824,631$15,383,863$135,895,915
70$175,663,526$28,069,192$15,829,377$149,341,525
71$193,509,160$29,372,537$16,287,615$164,142,713
72$213,172,779$30,737,476$16,758,935$180,437,105
73$234,839,747$32,166,956$17,243,703$198,376,340
74$258,714,330$33,664,066$17,742,296$218,127,495
75$285,021,630$35,232,044$18,255,101$239,874,658
76$314,009,706$36,874,283$18,782,517$263,820,665
77$345,951,915$38,594,342$19,324,950$290,189,007
78$381,149,496$40,395,950$19,882,821$319,225,938
79$419,934,410$42,283,018$20,456,562$351,202,793
80$462,672,477$44,259,643$21,046,614$386,418,549
81$509,766,827$46,330,122$21,653,432$425,202,637
82$561,661,706$48,498,961$22,277,485$467,918,050
83$618,846,670$50,770,880$22,919,251$514,964,766
84$681,861,208$53,150,831$23,579,223$566,783,516
85$751,299,832$55,644,003$24,257,909$623,859,936
86$827,817,693$58,255,837$24,955,826$686,729,153
87$912,136,762$60,992,037$25,673,511$755,980,825
88$1,005,052,648$63,858,583$26,411,510$832,264,702
89$1,107,442,110$66,861,746$27,170,387$916,296,752
90$1,220,271,330$70,008,096$27,950,720$1,008,865,918
91$1,344,605,040$73,304,528$28,753,104$1,110,841,550
92$1,481,616,569$76,758,264$29,578,147$1,223,181,614
93$1,632,598,920$80,376,880$30,426,477$1,346,941,718
94$1,798,976,982$84,168,319$31,298,735$1,483,285,075
95$1,982,320,974$88,140,907$32,195,583$1,633,493,475
96$2,184,361,277$92,303,374$33,117,698$1,798,979,374
97$2,407,004,762$96,664,875$34,065,776$1,981,299,220
98$2,652,352,800$101,235,006$35,040,532$2,182,168,136
99$2,922,721,095$106,023,830$36,042,699$2,403,476,101
100$3,220,661,547$111,041,899$37,073,030$2,647,305,783