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

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 $5,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$470,701$466,508$462,417$458,425$454,526$439,976
2 years$233,020$228,680$224,474$220,396$216,441$201,917
3 years$153,804$149,445$145,250$141,210$137,319$123,276
4 years$114,203$109,858$105,705$101,734$97,937$84,482
5 years$90,449$86,130$82,031$78,141$74,450$61,620
6 years$74,618$70,332$66,293$62,490$58,910$46,716
7 years$63,315$59,064$55,090$51,377$47,910$36,350
8 years$54,841$50,629$46,721$43,099$39,746$28,812
9 years$48,254$44,082$40,241$36,711$33,472$23,152
10 years$42,987$38,856$35,083$31,645$28,519$18,798
11 years$38,681$34,591$30,886$27,540$24,528$15,386
12 years$35,095$31,047$27,411$24,157$21,255$12,674
13 years$32,063$28,058$24,490$21,327$18,535$10,494
14 years$29,467$25,504$22,004$18,931$16,248$8,724
15 years$27,218$23,298$19,867$16,884$14,306$7,277
16 years$25,253$21,375$18,012$15,117$12,643$6,087
17 years$23,521$19,686$16,390$13,583$11,210$5,103
18 years$21,983$18,191$14,962$12,241$9,968$4,286
19 years$20,608$16,859$13,697$11,061$8,885$3,605
20 years$19,372$15,666$12,571$10,018$7,936$3,037
21 years$18,256$14,592$11,563$9,092$7,102$2,561
22 years$17,242$13,621$10,657$8,266$6,366$2,161
23 years$16,318$12,740$9,840$7,528$5,714$1,826
24 years$15,472$11,936$9,100$6,866$5,136$1,543
25 years$14,695$11,202$8,428$6,271$4,622$1,305
26 years$13,979$10,528$7,817$5,734$4,163$1,104
27 years$13,318$9,908$7,259$5,248$3,753$934
28 years$12,704$9,336$6,748$4,808$3,387$791
29 years$12,134$8,808$6,279$4,409$3,058$670
30 years$11,603$8,318$5,849$4,047$2,763$568
31 years$11,107$7,863$5,453$3,717$2,498$481
32 years$10,643$7,440$5,088$3,416$2,260$407
33 years$10,208$7,046$4,750$3,141$2,045$345
34 years$9,799$6,678$4,438$2,890$1,852$293
35 years$9,415$6,334$4,150$2,660$1,677$248
36 years$9,053$6,012$3,882$2,450$1,520$210
37 years$8,711$5,710$3,633$2,257$1,377$178
38 years$8,388$5,426$3,403$2,081$1,249$151
39 years$8,082$5,160$3,188$1,919$1,132$128
40 years$7,793$4,909$2,988$1,770$1,027$109
41 years$7,518$4,673$2,802$1,633$932$92
42 years$7,257$4,451$2,628$1,507$845$78
43 years$7,009$4,241$2,466$1,391$767$66
44 years$6,772$4,042$2,315$1,284$696$56
45 years$6,547$3,855$2,174$1,186$632$48
46 years$6,333$3,677$2,042$1,096$574$40
47 years$6,128$3,509$1,918$1,012$521$34
48 years$5,932$3,350$1,802$935$473$29
49 years$5,744$3,199$1,694$864$430$25
50 years$5,565$3,056$1,593$799$391$21

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 $5,775 every year, while hoping to spend $40,893 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: 39/44/17 Blend
34$5,700,000$5,700,000$5,700,000$5,700,000
35$6,287,357$5,985,257$5,896,907$6,500,393
36$6,885,157$6,235,025$6,050,943$6,902,978
37$7,542,563$6,495,660$6,208,770$7,333,638
38$8,265,610$6,767,654$6,370,469$7,798,435
39$9,060,950$7,051,516$6,536,128$8,300,479
40$9,935,911$7,347,784$6,705,831$8,843,182
41$10,898,565$7,657,017$6,879,669$9,430,288
42$11,957,810$7,979,803$7,057,729$10,065,906
43$13,123,448$8,316,753$7,240,103$10,754,550
44$14,406,277$8,668,512$7,426,884$11,501,172
45$15,818,198$9,035,750$7,618,166$12,311,215
46$17,372,324$9,419,171$7,814,044$13,190,656
47$19,083,101$9,819,511$8,014,615$14,146,059
48$20,966,450$10,237,539$8,219,977$15,184,640
49$23,039,912$10,674,063$8,430,230$16,314,328
50$25,322,816$11,129,925$8,645,476$17,543,837
51$27,836,460$11,606,008$8,865,816$18,882,747
52$30,604,314$12,103,237$9,091,356$20,341,589
53$33,652,237$12,622,580$9,322,200$21,931,942
54$37,008,727$13,165,047$9,558,455$23,666,540
55$40,705,183$13,731,701$9,800,229$25,559,387
56$44,776,208$14,323,650$10,047,633$27,625,885
57$49,259,928$14,942,056$10,300,775$29,882,976
58$54,198,359$15,588,135$10,559,770$32,349,300
59$59,637,798$16,263,160$10,824,729$35,045,360
60$65,629,264$16,968,465$11,095,767$37,993,720
61$72,228,973$17,705,445$11,373,000$41,219,206
62$79,498,877$18,475,560$11,656,544$44,749,136
63$87,507,242$19,280,342$11,946,518$48,613,579
64$96,329,293$20,121,391$12,243,038$52,845,624
65$106,047,927$21,000,386$12,546,227$57,481,695
66$116,754,493$21,919,082$12,856,203$62,561,884
67$128,549,654$22,879,319$13,173,088$68,130,323
68$141,544,336$23,883,023$13,497,004$74,235,598
69$155,860,779$24,932,212$13,828,074$80,931,197
70$171,633,684$26,028,996$14,166,420$88,276,010
71$189,011,492$27,175,589$14,512,167$96,334,875
72$208,157,778$28,374,307$14,865,439$105,179,186
73$229,252,799$29,627,575$15,226,359$114,887,555
74$252,495,195$30,937,937$15,595,052$125,546,550
75$278,103,861$32,308,052$15,971,642$137,251,496
76$306,320,017$33,740,709$16,356,255$150,107,375
77$337,409,482$35,238,827$16,749,013$164,229,800
78$371,665,185$36,805,465$17,150,040$179,746,100
79$409,409,927$38,443,826$17,559,460$196,796,508
80$450,999,432$40,157,266$17,977,394$215,535,479
81$496,825,702$41,949,300$18,403,965$236,133,130
82$547,320,718$43,823,610$18,839,292$258,776,840
83$602,960,517$45,784,053$19,283,494$283,673,002
84$664,269,689$47,834,670$19,736,690$311,048,959
85$731,826,322$49,979,694$20,198,994$341,155,138
86$806,267,468$52,223,560$20,670,521$374,267,397
87$888,295,148$54,570,913$21,151,382$410,689,616
88$978,682,986$57,026,621$21,641,687$450,756,549
89$1,078,283,509$59,595,783$22,141,541$494,836,967
90$1,188,036,193$62,283,743$22,651,049$543,337,123
91$1,308,976,335$65,096,097$23,170,309$596,704,569
92$1,442,244,826$68,038,710$23,699,419$655,432,362
93$1,589,098,919$71,117,728$24,238,471$720,063,696
94$1,750,924,101$74,339,589$24,787,552$791,197,014
95$1,929,247,171$77,711,040$25,346,746$869,491,632
96$2,125,750,651$81,239,150$25,916,131$955,673,943
97$2,342,288,674$84,931,325$26,495,778$1,050,544,247
98$2,580,904,487$88,795,328$27,085,755$1,154,984,285
99$2,843,849,737$92,839,291$27,686,120$1,269,965,536
100$3,133,605,731$97,071,738$28,296,927$1,396,558,360