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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.1%
1 years$462,443$458,324$454,305$450,382$446,552$435,403
2 years$228,932$224,668$220,536$216,530$212,644$201,482
3 years$151,105$146,823$142,702$138,733$134,910$124,085
4 years$112,200$107,931$103,850$99,949$96,219$85,813
5 years$88,862$84,619$80,592$76,771$73,144$63,187
6 years$73,309$69,098$65,130$61,394$57,876$48,377
7 years$62,204$58,028$54,124$50,475$47,069$38,029
8 years$53,879$49,741$45,901$42,343$39,048$30,464
9 years$47,408$43,308$39,535$36,066$32,884$24,748
10 years$42,233$38,174$34,467$31,090$28,019$20,321
11 years$38,003$33,984$30,344$27,057$24,097$16,827
12 years$34,480$30,502$26,930$23,733$20,882$14,026
13 years$31,501$27,565$24,060$20,953$18,210$11,755
14 years$28,950$25,056$21,618$18,599$15,963$9,895
15 years$26,741$22,889$19,518$16,587$14,055$8,359
16 years$24,810$21,000$17,696$14,852$12,422$7,083
17 years$23,108$19,341$16,103$13,345$11,014$6,016
18 years$21,597$17,872$14,700$12,026$9,793$5,121
19 years$20,247$16,563$13,457$10,867$8,729$4,367
20 years$19,033$15,391$12,350$9,842$7,797$3,729
21 years$17,936$14,336$11,360$8,932$6,977$3,188
22 years$16,940$13,383$10,470$8,121$6,254$2,729
23 years$16,032$12,516$9,667$7,396$5,614$2,338
24 years$15,201$11,727$8,940$6,746$5,046$2,004
25 years$14,438$11,005$8,280$6,161$4,541$1,720
26 years$13,734$10,343$7,680$5,633$4,090$1,476
27 years$13,084$9,734$7,131$5,156$3,687$1,268
28 years$12,481$9,172$6,629$4,724$3,327$1,089
29 years$11,921$8,653$6,169$4,332$3,004$936
30 years$11,399$8,172$5,746$3,976$2,715$805
31 years$10,912$7,725$5,357$3,651$2,454$692
32 years$10,456$7,310$4,998$3,356$2,220$595
33 years$10,029$6,922$4,667$3,086$2,009$512
34 years$9,627$6,561$4,361$2,839$1,819$441
35 years$9,250$6,223$4,077$2,614$1,648$379
36 years$8,894$5,906$3,814$2,407$1,493$326
37 years$8,558$5,610$3,570$2,218$1,353$281
38 years$8,241$5,331$3,343$2,044$1,227$242
39 years$7,941$5,069$3,132$1,885$1,112$208
40 years$7,656$4,823$2,936$1,739$1,009$179
41 years$7,386$4,591$2,753$1,604$915$154
42 years$7,130$4,372$2,582$1,480$831$133
43 years$6,886$4,166$2,423$1,367$754$114
44 years$6,654$3,971$2,274$1,262$684$99
45 years$6,432$3,787$2,135$1,165$621$85
46 years$6,221$3,613$2,006$1,076$564$73
47 years$6,020$3,447$1,884$994$512$63
48 years$5,828$3,291$1,771$919$465$54
49 years$5,644$3,143$1,664$849$422$47
50 years$5,468$3,002$1,565$785$384$40

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 $2,674 every year, while hoping to spend $33,836 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: 77/10/13 Blend
34$5,600,000$5,600,000$5,600,000$5,600,000
35$6,173,958$5,877,158$5,790,358$6,633,086
36$6,767,701$6,129,138$5,948,334$7,187,960
37$7,420,871$6,392,330$6,110,468$7,791,693
38$8,139,495$6,667,249$6,276,864$8,452,772
39$8,930,212$6,954,433$6,447,627$9,176,902
40$9,800,337$7,254,444$6,622,866$9,970,362
41$10,757,931$7,567,872$6,802,692$10,840,071
42$11,811,876$7,895,333$6,987,218$11,793,644
43$12,971,957$8,237,474$7,176,559$12,839,469
44$14,248,957$8,594,971$7,370,835$13,986,782
45$15,654,758$8,968,532$7,570,165$15,245,755
46$17,202,451$9,358,898$7,774,674$16,627,593
47$18,906,463$9,766,845$7,984,487$18,144,634
48$20,782,689$10,193,187$8,199,734$19,810,469
49$22,848,644$10,638,775$8,420,546$21,640,069
50$25,123,630$11,104,499$8,647,058$23,649,922
51$27,628,914$11,591,293$8,879,408$25,858,191
52$30,387,931$12,100,134$9,117,736$28,284,884
53$33,426,505$12,632,045$9,362,185$30,952,039
54$36,773,092$13,188,099$9,612,902$33,883,936
55$40,459,049$13,769,418$9,870,036$37,107,320
56$44,518,929$14,377,177$10,133,740$40,651,654
57$48,990,809$15,012,607$10,404,169$44,549,398
58$53,916,645$15,676,999$10,681,482$48,836,311
59$59,342,673$16,371,702$10,965,842$53,551,789
60$65,319,841$17,098,131$11,257,413$58,739,235
61$71,904,293$17,857,768$11,556,365$64,446,467
62$79,157,897$18,652,164$11,862,869$70,726,169
63$87,148,829$19,482,947$12,177,102$77,636,385
64$95,952,216$20,351,817$12,499,241$85,241,067
65$105,650,846$21,260,560$12,829,469$93,610,674
66$116,335,948$22,211,043$13,167,972$102,822,841
67$128,108,055$23,205,225$13,514,940$112,963,104
68$141,077,951$24,245,156$13,870,565$124,125,709
69$155,367,718$25,332,983$14,235,044$136,414,498
70$171,111,884$26,470,959$14,608,577$149,943,890
71$188,458,700$27,661,440$14,991,369$164,839,955
72$207,571,534$28,906,897$15,383,626$181,241,604
73$228,630,413$30,209,918$15,785,560$199,301,898
74$251,833,726$31,573,214$16,197,387$219,189,491
75$277,400,091$32,999,626$16,619,324$241,090,218
76$305,570,424$34,492,131$17,051,595$265,208,847
77$336,610,209$36,053,848$17,494,426$291,771,012
78$370,812,009$37,688,045$17,948,048$321,025,336
79$408,498,220$39,398,146$18,412,693$353,245,777
80$450,024,121$41,187,738$18,888,601$388,734,211
81$495,781,226$43,060,581$19,376,014$427,823,282
82$546,200,976$45,020,615$19,875,175$470,879,531
83$601,758,818$47,071,967$20,386,336$518,306,861
84$662,978,688$49,218,964$20,909,749$570,550,341
85$730,437,960$51,466,139$21,445,671$628,100,404
86$804,772,894$53,818,242$21,994,363$691,497,479
87$886,684,644$56,280,251$22,556,089$761,337,081
88$976,945,878$58,857,383$23,131,119$838,275,432
89$1,076,408,068$61,555,106$23,719,722$923,035,652
90$1,186,009,535$64,379,149$24,322,176$1,016,414,580
91$1,306,784,297$67,335,518$24,938,759$1,119,290,292
92$1,439,871,842$70,430,505$25,569,754$1,232,630,387
93$1,586,527,876$73,670,705$26,215,447$1,357,501,113
94$1,748,136,183$77,063,033$26,876,128$1,495,077,429
95$1,926,221,684$80,614,732$27,552,088$1,646,654,094
96$2,122,464,838$84,333,397$28,243,626$1,813,657,880
97$2,338,717,503$88,226,985$28,951,039$1,997,661,039
98$2,577,020,419$92,303,838$29,674,630$2,200,396,135
99$2,839,622,476$96,572,699$30,414,703$2,423,772,401
100$3,129,001,940$101,042,733$31,171,567$2,669,893,749