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%17.6%
1 years$470,701$466,508$462,417$458,425$454,526$440,506
2 years$233,020$228,680$224,474$220,396$216,441$202,438
3 years$153,804$149,445$145,250$141,210$137,319$123,773
4 years$114,203$109,858$105,705$101,734$97,937$84,952
5 years$90,449$86,130$82,031$78,141$74,450$62,061
6 years$74,618$70,332$66,293$62,490$58,910$47,127
7 years$63,315$59,064$55,090$51,377$47,910$36,732
8 years$54,841$50,629$46,721$43,099$39,746$29,167
9 years$48,254$44,082$40,241$36,711$33,472$23,480
10 years$42,987$38,856$35,083$31,645$28,519$19,100
11 years$38,681$34,591$30,886$27,540$24,528$15,664
12 years$35,095$31,047$27,411$24,157$21,255$12,929
13 years$32,063$28,058$24,490$21,327$18,535$10,726
14 years$29,467$25,504$22,004$18,931$16,248$8,936
15 years$27,218$23,298$19,867$16,884$14,306$7,470
16 years$25,253$21,375$18,012$15,117$12,643$6,261
17 years$23,521$19,686$16,390$13,583$11,210$5,261
18 years$21,983$18,191$14,962$12,241$9,968$4,429
19 years$20,608$16,859$13,697$11,061$8,885$3,734
20 years$19,372$15,666$12,571$10,018$7,936$3,152
21 years$18,256$14,592$11,563$9,092$7,102$2,664
22 years$17,242$13,621$10,657$8,266$6,366$2,254
23 years$16,318$12,740$9,840$7,528$5,714$1,908
24 years$15,472$11,936$9,100$6,866$5,136$1,617
25 years$14,695$11,202$8,428$6,271$4,622$1,371
26 years$13,979$10,528$7,817$5,734$4,163$1,162
27 years$13,318$9,908$7,259$5,248$3,753$986
28 years$12,704$9,336$6,748$4,808$3,387$837
29 years$12,134$8,808$6,279$4,409$3,058$711
30 years$11,603$8,318$5,849$4,047$2,763$603
31 years$11,107$7,863$5,453$3,717$2,498$513
32 years$10,643$7,440$5,088$3,416$2,260$435
33 years$10,208$7,046$4,750$3,141$2,045$370
34 years$9,799$6,678$4,438$2,890$1,852$314
35 years$9,415$6,334$4,150$2,660$1,677$267
36 years$9,053$6,012$3,882$2,450$1,520$227
37 years$8,711$5,710$3,633$2,257$1,377$193
38 years$8,388$5,426$3,403$2,081$1,249$164
39 years$8,082$5,160$3,188$1,919$1,132$139
40 years$7,793$4,909$2,988$1,770$1,027$119
41 years$7,518$4,673$2,802$1,633$932$101
42 years$7,257$4,451$2,628$1,507$845$86
43 years$7,009$4,241$2,466$1,391$767$73
44 years$6,772$4,042$2,315$1,284$696$62
45 years$6,547$3,855$2,174$1,186$632$53
46 years$6,333$3,677$2,042$1,096$574$45
47 years$6,128$3,509$1,918$1,012$521$38
48 years$5,932$3,350$1,802$935$473$32
49 years$5,744$3,199$1,694$864$430$28
50 years$5,565$3,056$1,593$799$391$23

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 $4,175 every year, while hoping to spend $49,432 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: 77/9/14 Blend
34$5,700,000$5,700,000$5,700,000$5,700,000
35$6,285,707$5,983,607$5,895,257$6,751,193
36$6,874,253$6,224,208$6,040,152$7,299,265
37$7,521,175$6,474,942$6,188,245$7,893,449
38$8,232,374$6,736,253$6,339,591$8,543,648
39$9,014,352$7,008,606$6,494,243$9,255,432
40$9,874,274$7,292,486$6,652,258$10,034,934
41$10,820,033$7,588,400$6,813,691$10,888,907
42$11,860,324$7,896,879$6,978,598$11,824,789
43$13,004,729$8,218,479$7,147,033$12,850,771
44$14,263,805$8,553,778$7,319,052$13,975,873
45$15,649,184$8,903,383$7,494,711$15,210,030
46$17,173,681$9,267,929$7,674,064$16,564,186
47$18,851,417$9,648,079$7,857,166$18,050,393
48$20,697,952$10,044,525$8,044,072$19,681,929
49$22,730,430$10,457,994$8,234,835$21,473,415
50$24,967,742$10,889,243$8,429,510$23,440,963
51$27,430,701$11,339,066$8,628,148$25,602,315
52$30,142,245$11,808,292$8,830,803$27,977,021
53$33,127,644$12,297,789$9,037,526$30,586,615
54$36,414,748$12,808,464$9,248,366$33,454,819
55$40,034,240$13,341,267$9,463,375$36,607,768
56$44,019,934$13,897,191$9,682,600$40,074,255
57$48,409,089$14,477,275$9,906,088$43,886,001
58$53,242,759$15,082,604$10,133,885$48,077,951
59$58,566,186$15,714,318$10,366,036$52,688,609
60$64,429,222$16,373,604$10,602,583$57,760,395
61$70,886,800$17,061,707$10,843,566$63,340,045
62$77,999,453$17,779,931$11,089,025$69,479,054
63$85,833,886$18,529,636$11,338,997$76,234,157
64$94,463,603$19,312,250$11,593,514$83,667,866
65$103,969,604$20,129,263$11,852,610$91,849,056
66$114,441,144$20,982,237$12,116,313$100,853,619
67$125,976,581$21,872,807$12,384,649$110,765,170
68$138,684,299$22,802,681$12,657,642$121,675,846
69$152,683,734$23,773,649$12,935,310$133,687,163
70$168,106,502$24,787,585$13,217,669$146,910,983
71$185,097,636$25,846,447$13,504,732$161,470,559
72$203,816,960$26,952,289$13,796,506$177,501,703
73$224,440,595$28,107,256$14,092,994$195,154,066
74$247,162,622$29,313,598$14,394,196$214,592,543
75$272,196,912$30,573,666$14,700,104$235,998,836
76$299,779,146$31,889,925$15,010,706$259,573,161
77$330,169,039$33,264,952$15,325,985$285,536,137
78$363,652,793$34,701,446$15,645,918$314,130,870
79$400,545,795$36,202,234$15,970,473$345,625,241
80$441,195,596$37,770,274$16,299,614$380,314,436
81$485,985,192$39,408,662$16,633,296$418,523,729
82$535,336,638$41,120,643$16,971,467$460,611,549
83$589,715,031$42,909,610$17,314,068$506,972,863
84$649,632,903$44,779,120$17,661,028$558,042,900
85$715,655,057$46,732,895$18,012,270$614,301,259
86$788,403,897$48,774,831$18,367,706$676,276,431
87$868,565,308$50,909,011$18,727,237$744,550,788
88$956,895,126$53,139,709$19,090,756$819,766,075
89$1,054,226,274$55,471,400$19,458,142$902,629,468
90$1,161,476,627$57,908,771$19,829,262$993,920,243
91$1,279,657,672$60,456,731$20,203,971$1,094,497,131
92$1,409,884,062$63,120,418$20,582,112$1,205,306,424
93$1,553,384,136$65,905,218$20,963,512$1,327,390,899
94$1,711,511,512$68,816,768$21,347,984$1,461,899,661
95$1,885,757,869$71,860,972$21,735,325$1,610,098,991
96$2,077,767,028$75,044,017$22,125,315$1,773,384,287
97$2,289,350,471$78,372,379$22,517,718$1,953,293,242
98$2,522,504,437$81,852,844$22,912,280$2,151,520,351
99$2,779,428,775$85,492,518$23,308,727$2,369,932,905
100$3,062,547,705$89,298,847$23,706,764$2,610,588,614