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%17.8%
1 years$462,443$458,324$454,305$450,382$446,552$432,431
2 years$228,932$224,668$220,536$216,530$212,644$198,545
3 years$151,105$146,823$142,702$138,733$134,910$121,276
4 years$112,200$107,931$103,850$99,949$96,219$83,154
5 years$88,862$84,619$80,592$76,771$73,144$60,683
6 years$73,309$69,098$65,130$61,394$57,876$46,030
7 years$62,204$58,028$54,124$50,475$47,069$35,837
8 years$53,879$49,741$45,901$42,343$39,048$28,422
9 years$47,408$43,308$39,535$36,066$32,884$22,852
10 years$42,233$38,174$34,467$31,090$28,019$18,566
11 years$38,003$33,984$30,344$27,057$24,097$15,207
12 years$34,480$30,502$26,930$23,733$20,882$12,535
13 years$31,501$27,565$24,060$20,953$18,210$10,385
14 years$28,950$25,056$21,618$18,599$15,963$8,640
15 years$26,741$22,889$19,518$16,587$14,055$7,212
16 years$24,810$21,000$17,696$14,852$12,422$6,037
17 years$23,108$19,341$16,103$13,345$11,014$5,065
18 years$21,597$17,872$14,700$12,026$9,793$4,257
19 years$20,247$16,563$13,457$10,867$8,729$3,584
20 years$19,033$15,391$12,350$9,842$7,797$3,021
21 years$17,936$14,336$11,360$8,932$6,977$2,549
22 years$16,940$13,383$10,470$8,121$6,254$2,153
23 years$16,032$12,516$9,667$7,396$5,614$1,820
24 years$15,201$11,727$8,940$6,746$5,046$1,540
25 years$14,438$11,005$8,280$6,161$4,541$1,303
26 years$13,734$10,343$7,680$5,633$4,090$1,103
27 years$13,084$9,734$7,131$5,156$3,687$935
28 years$12,481$9,172$6,629$4,724$3,327$792
29 years$11,921$8,653$6,169$4,332$3,004$671
30 years$11,399$8,172$5,746$3,976$2,715$569
31 years$10,912$7,725$5,357$3,651$2,454$483
32 years$10,456$7,310$4,998$3,356$2,220$409
33 years$10,029$6,922$4,667$3,086$2,009$347
34 years$9,627$6,561$4,361$2,839$1,819$294
35 years$9,250$6,223$4,077$2,614$1,648$250
36 years$8,894$5,906$3,814$2,407$1,493$212
37 years$8,558$5,610$3,570$2,218$1,353$180
38 years$8,241$5,331$3,343$2,044$1,227$153
39 years$7,941$5,069$3,132$1,885$1,112$130
40 years$7,656$4,823$2,936$1,739$1,009$110
41 years$7,386$4,591$2,753$1,604$915$93
42 years$7,130$4,372$2,582$1,480$831$79
43 years$6,886$4,166$2,423$1,367$754$67
44 years$6,654$3,971$2,274$1,262$684$57
45 years$6,432$3,787$2,135$1,165$621$48
46 years$6,221$3,613$2,006$1,076$564$41
47 years$6,020$3,447$1,884$994$512$35
48 years$5,828$3,291$1,771$919$465$30
49 years$5,644$3,143$1,664$849$422$25
50 years$5,468$3,002$1,565$785$384$21

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 $2,009 every year, while hoping to spend $52,508 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: 60/20/20 Blend
34$5,600,000$5,600,000$5,600,000$5,600,000
35$6,173,272$5,876,472$5,789,672$6,511,216
36$6,747,078$6,108,551$5,927,758$6,972,351
37$7,377,652$6,350,242$6,068,710$7,469,264
38$8,070,729$6,601,961$6,212,569$8,010,214
39$8,832,628$6,864,141$6,359,374$8,599,477
40$9,670,309$7,137,237$6,509,166$9,241,759
41$10,591,441$7,421,722$6,661,984$9,942,239
42$11,604,473$7,718,092$6,817,866$10,706,615
43$12,718,715$8,026,865$6,976,850$11,541,159
44$13,944,424$8,348,580$7,138,974$12,452,774
45$15,292,899$8,683,804$7,304,273$13,449,059
46$16,776,592$9,033,128$7,472,783$14,538,376
47$18,409,222$9,397,169$7,644,539$15,729,935
48$20,205,904$9,776,573$7,819,573$17,033,873
49$22,183,295$10,172,013$7,997,918$18,461,350
50$24,359,747$10,584,197$8,179,603$20,024,654
51$26,755,479$11,013,861$8,364,659$21,737,318
52$29,392,774$11,461,777$8,553,111$23,614,241
53$32,296,183$11,928,749$8,744,986$25,671,831
54$35,492,758$12,415,622$8,940,307$27,928,157
55$39,012,307$12,923,276$9,139,095$30,403,117
56$42,887,679$13,452,633$9,341,371$33,118,629
57$47,155,066$14,004,655$9,547,151$36,098,828
58$51,854,351$14,580,352$9,756,448$39,370,301
59$57,029,481$15,180,775$9,969,276$42,962,328
60$62,728,883$15,807,028$10,185,642$46,907,162
61$69,005,919$16,460,263$10,405,551$51,240,330
62$75,919,392$17,141,685$10,629,007$56,000,966
63$83,534,098$17,852,556$10,856,006$61,232,177
64$91,921,438$18,594,193$11,086,544$66,981,450
65$101,160,093$19,367,976$11,320,611$73,301,096
66$111,336,764$20,175,349$11,558,194$80,248,742
67$122,546,994$21,017,821$11,799,273$87,887,875
68$134,896,065$21,896,971$12,043,826$96,288,432
69$148,499,992$22,814,452$12,291,823$105,527,467
70$163,486,624$23,771,992$12,543,231$115,689,866
71$179,996,840$24,771,400$12,798,010$126,869,152
72$198,185,887$25,814,569$13,056,113$139,168,361
73$218,224,842$26,903,477$13,317,487$152,701,015
74$240,302,227$28,040,198$13,582,074$167,592,187
75$264,625,785$29,226,900$13,849,805$183,979,678
76$291,424,448$30,465,851$14,120,606$202,015,319
77$320,950,490$31,759,425$14,394,395$221,866,395
78$353,481,912$33,110,109$14,671,079$243,717,223
79$389,325,065$34,520,502$14,950,557$267,770,887
80$428,817,541$35,993,326$15,232,721$294,251,152
81$472,331,361$37,531,430$15,517,448$323,404,573
82$520,276,485$39,137,795$15,804,608$355,502,813
83$573,104,683$40,815,544$16,094,059$390,845,208
84$631,313,797$42,567,942$16,385,646$429,761,585
85$695,452,442$44,398,409$16,679,203$472,615,374
86$766,125,185$46,310,525$16,974,550$519,807,027
87$843,998,251$48,308,037$17,271,494$571,777,799
88$929,805,811$50,394,869$17,569,828$629,013,905
89$1,024,356,913$52,575,128$17,869,327$692,051,105
90$1,128,543,122$54,853,113$18,169,753$761,479,753
91$1,243,346,930$57,233,325$18,470,850$837,950,366
92$1,369,851,039$59,720,480$18,772,344$922,179,760
93$1,509,248,572$62,319,510$19,073,945$1,014,957,802
94$1,662,854,344$65,035,584$19,375,340$1,117,154,871
95$1,832,117,271$67,874,112$19,676,198$1,229,730,055
96$2,018,634,048$70,840,758$19,976,166$1,353,740,206
97$2,224,164,222$73,941,457$20,274,868$1,490,349,904
98$2,450,646,802$77,182,418$20,571,907$1,640,842,445
99$2,700,218,568$80,570,149$20,866,857$1,806,631,944
100$2,975,234,236$84,111,460$21,159,271$1,989,276,678