Can I retire at age 35 with 5,700,000?

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 $5,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$470,701$466,508$462,417$458,425$454,526$446,629
2 years$233,020$228,680$224,474$220,396$216,441$208,510
3 years$153,804$149,445$145,250$141,210$137,319$129,602
4 years$114,203$109,858$105,705$101,734$97,937$90,493
5 years$90,449$86,130$82,031$78,141$74,450$67,300
6 years$74,618$70,332$66,293$62,490$58,910$52,062
7 years$63,315$59,064$55,090$51,377$47,910$41,366
8 years$54,841$50,629$46,721$43,099$39,746$33,505
9 years$48,254$44,082$40,241$36,711$33,472$27,531
10 years$42,987$38,856$35,083$31,645$28,519$22,873
11 years$38,681$34,591$30,886$27,540$24,528$19,169
12 years$35,095$31,047$27,411$24,157$21,255$16,178
13 years$32,063$28,058$24,490$21,327$18,535$13,731
14 years$29,467$25,504$22,004$18,931$16,248$11,708
15 years$27,218$23,298$19,867$16,884$14,306$10,022
16 years$25,253$21,375$18,012$15,117$12,643$8,607
17 years$23,521$19,686$16,390$13,583$11,210$7,412
18 years$21,983$18,191$14,962$12,241$9,968$6,397
19 years$20,608$16,859$13,697$11,061$8,885$5,532
20 years$19,372$15,666$12,571$10,018$7,936$4,792
21 years$18,256$14,592$11,563$9,092$7,102$4,157
22 years$17,242$13,621$10,657$8,266$6,366$3,611
23 years$16,318$12,740$9,840$7,528$5,714$3,140
24 years$15,472$11,936$9,100$6,866$5,136$2,733
25 years$14,695$11,202$8,428$6,271$4,622$2,380
26 years$13,979$10,528$7,817$5,734$4,163$2,074
27 years$13,318$9,908$7,259$5,248$3,753$1,809
28 years$12,704$9,336$6,748$4,808$3,387$1,579
29 years$12,134$8,808$6,279$4,409$3,058$1,378
30 years$11,603$8,318$5,849$4,047$2,763$1,203
31 years$11,107$7,863$5,453$3,717$2,498$1,051
32 years$10,643$7,440$5,088$3,416$2,260$919
33 years$10,208$7,046$4,750$3,141$2,045$803
34 years$9,799$6,678$4,438$2,890$1,852$702
35 years$9,415$6,334$4,150$2,660$1,677$614
36 years$9,053$6,012$3,882$2,450$1,520$537
37 years$8,711$5,710$3,633$2,257$1,377$470
38 years$8,388$5,426$3,403$2,081$1,249$411
39 years$8,082$5,160$3,188$1,919$1,132$360
40 years$7,793$4,909$2,988$1,770$1,027$315
41 years$7,518$4,673$2,802$1,633$932$275
42 years$7,257$4,451$2,628$1,507$845$241
43 years$7,009$4,241$2,466$1,391$767$211
44 years$6,772$4,042$2,315$1,284$696$185
45 years$6,547$3,855$2,174$1,186$632$162
46 years$6,333$3,677$2,042$1,096$574$141
47 years$6,128$3,509$1,918$1,012$521$124
48 years$5,932$3,350$1,802$935$473$108
49 years$5,744$3,199$1,694$864$430$95
50 years$5,565$3,056$1,593$799$391$83

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,700,000, adding $3,263 every year, while hoping to spend $49,195 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: 41/34/25 Blend
34$5,700,000$5,700,000$5,700,000$5,700,000
35$6,284,766$5,982,666$5,894,316$6,496,079
36$6,873,469$6,223,473$6,039,432$6,889,172
37$7,520,571$6,474,432$6,187,761$7,309,487
38$8,231,976$6,735,986$6,339,359$7,763,483
39$9,014,191$7,008,602$6,494,280$8,254,280
40$9,874,382$7,292,767$6,652,582$8,785,304
41$10,820,446$7,588,990$6,814,320$9,360,319
42$11,861,083$7,897,802$6,979,552$9,983,461
43$13,005,878$8,219,760$7,148,332$10,659,274
44$14,265,395$8,555,445$7,320,718$11,392,751
45$15,651,269$8,905,465$7,496,766$12,189,383
46$17,176,322$9,270,457$7,676,532$13,055,203
47$18,854,683$9,651,085$7,860,071$13,996,847
48$20,701,917$10,048,045$8,047,440$15,021,611
49$22,735,177$10,462,064$8,238,694$16,137,517
50$24,973,362$10,893,901$8,433,887$17,353,391
51$27,437,297$11,344,354$8,633,073$18,678,939
52$30,149,927$11,814,253$8,836,307$20,124,840
53$33,136,537$12,304,470$9,043,642$21,702,842
54$36,424,988$12,815,913$9,255,128$23,425,871
55$40,045,980$13,349,536$9,470,817$25,308,151
56$44,033,340$13,906,333$9,690,760$27,365,334
57$48,424,346$14,487,349$9,915,006$29,614,647
58$53,260,071$15,093,671$10,143,601$32,075,050
59$58,585,779$15,726,441$10,376,591$34,767,412
60$64,451,344$16,386,852$10,614,023$37,714,705
61$70,911,725$17,076,152$10,855,937$40,942,217
62$78,027,486$17,795,648$11,102,375$44,477,788
63$85,865,361$18,546,706$11,353,376$48,352,069
64$94,498,890$19,330,757$11,608,977$52,598,805
65$104,009,109$20,149,297$11,869,210$57,255,153
66$114,485,319$21,003,893$12,134,109$62,362,028
67$126,025,920$21,896,183$12,403,701$67,964,483
68$138,739,351$22,827,883$12,678,012$74,112,128
69$152,745,104$23,800,788$12,957,064$80,859,601
70$168,174,855$24,816,777$13,240,876$88,267,071
71$185,173,707$25,877,816$13,529,463$96,400,803
72$203,901,561$26,985,965$13,822,835$105,333,780
73$224,534,620$28,143,377$14,121,000$115,146,387
74$247,267,057$29,352,308$14,423,959$125,927,158
75$272,312,844$30,615,119$14,731,709$137,773,613
76$299,907,775$31,934,280$15,044,242$150,793,167
77$330,311,688$33,312,380$15,361,545$165,104,140
78$363,810,920$34,752,126$15,683,596$180,836,866
79$400,721,008$36,256,354$16,010,370$198,134,916
80$441,389,668$37,828,033$16,341,835$217,156,445
81$486,200,077$39,470,270$16,677,949$238,075,679
82$535,574,491$41,186,319$17,018,667$261,084,551
83$589,978,229$42,979,588$17,363,932$286,394,502
84$649,924,064$44,853,644$17,713,680$314,238,470
85$715,977,069$46,812,223$18,067,838$344,873,079
86$788,759,944$48,859,235$18,426,324$378,581,053
87$868,958,898$50,998,778$18,789,046$415,673,872
88$957,330,127$53,235,139$19,155,900$456,494,703
89$1,054,706,950$55,572,811$19,526,773$501,421,631
90$1,162,007,677$58,016,497$19,901,538$550,871,211
91$1,280,244,278$60,571,123$20,280,058$605,302,393
92$1,410,531,934$63,241,848$20,662,180$665,220,840
93$1,554,099,568$66,034,075$21,047,739$731,183,689
94$1,712,301,441$68,953,463$21,436,556$803,804,794
95$1,886,629,943$72,005,937$21,828,435$883,760,512
96$2,078,729,675$75,197,706$22,223,166$971,796,065
97$2,290,412,980$78,535,271$22,620,520$1,068,732,566
98$2,523,677,047$82,025,443$23,020,250$1,175,474,753
99$2,780,722,770$85,675,354$23,422,093$1,293,019,509
100$3,063,975,524$89,492,477$23,825,764$1,422,465,259