Can I retire at age 35 with 5,800,000?

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 $5,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$478,959$474,692$470,530$466,467$462,500$452,054
2 years$237,108$232,692$228,413$224,263$220,238$209,770
3 years$156,502$152,067$147,798$143,688$139,728$129,565
4 years$116,207$111,785$107,559$103,519$99,655$89,875
5 years$92,036$87,641$83,470$79,512$75,756$66,386
6 years$75,927$71,566$67,456$63,587$59,943$50,994
7 years$64,426$60,101$56,057$52,278$48,750$40,222
8 years$55,803$51,517$47,540$43,855$40,443$32,333
9 years$49,101$44,855$40,947$37,355$34,059$26,362
10 years$43,742$39,538$35,698$32,200$29,020$21,727
11 years$39,360$35,198$31,428$28,024$24,958$18,060
12 years$35,711$31,592$27,892$24,580$21,628$15,113
13 years$32,626$28,550$24,919$21,701$18,860$12,717
14 years$29,984$25,951$22,390$19,264$16,533$10,749
15 years$27,696$23,707$20,215$17,180$14,557$9,118
16 years$25,696$21,750$18,328$15,383$12,865$7,759
17 years$23,933$20,031$16,678$13,821$11,407$6,620
18 years$22,368$18,510$15,225$12,456$10,143$5,660
19 years$20,970$17,155$13,938$11,255$9,040$4,847
20 years$19,712$15,941$12,791$10,193$8,075$4,158
21 years$18,576$14,848$11,765$9,251$7,226$3,572
22 years$17,545$13,860$10,844$8,411$6,477$3,071
23 years$16,605$12,963$10,012$7,660$5,814$2,644
24 years$15,744$12,146$9,260$6,987$5,226$2,277
25 years$14,953$11,398$8,576$6,381$4,703$1,963
26 years$14,225$10,713$7,954$5,834$4,236$1,693
27 years$13,551$10,082$7,386$5,340$3,819$1,461
28 years$12,927$9,500$6,866$4,893$3,446$1,262
29 years$12,347$8,962$6,390$4,487$3,112$1,090
30 years$11,806$8,464$5,952$4,118$2,812$942
31 years$11,302$8,001$5,549$3,782$2,542$814
32 years$10,830$7,571$5,177$3,476$2,299$703
33 years$10,387$7,170$4,834$3,196$2,081$608
34 years$9,971$6,795$4,516$2,941$1,884$526
35 years$9,580$6,445$4,222$2,707$1,706$455
36 years$9,212$6,117$3,950$2,493$1,546$394
37 years$8,864$5,810$3,697$2,297$1,401$340
38 years$8,535$5,522$3,462$2,117$1,270$295
39 years$8,224$5,250$3,244$1,952$1,152$255
40 years$7,930$4,995$3,040$1,801$1,045$221
41 years$7,650$4,755$2,851$1,661$948$191
42 years$7,384$4,529$2,674$1,533$860$165
43 years$7,132$4,315$2,509$1,415$781$143
44 years$6,891$4,113$2,355$1,307$709$124
45 years$6,662$3,922$2,212$1,207$643$107
46 years$6,444$3,742$2,077$1,115$584$93
47 years$6,235$3,571$1,952$1,030$530$80
48 years$6,036$3,409$1,834$952$482$70
49 years$5,845$3,255$1,724$880$437$60
50 years$5,663$3,109$1,621$813$397$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,800,000, adding $5,531 every year, while hoping to spend $50,752 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: 32/47/21 Blend
34$5,800,000$5,800,000$5,800,000$5,800,000
35$6,397,305$6,089,905$6,000,005$6,560,305
36$6,995,831$6,334,311$6,147,006$6,927,516
37$7,653,705$6,588,991$6,297,230$7,317,785
38$8,376,927$6,854,397$6,450,732$7,737,100
39$9,172,109$7,130,997$6,607,566$8,188,037
40$10,046,532$7,419,284$6,767,787$8,673,418
41$11,008,220$7,719,771$6,931,451$9,196,339
42$12,066,015$8,032,996$7,098,610$9,760,193
43$13,229,655$8,359,520$7,269,321$10,368,704
44$14,509,874$8,699,930$7,443,637$11,025,958
45$15,918,495$9,054,840$7,621,612$11,736,439
46$17,468,546$9,424,893$7,803,301$12,505,070
47$19,174,384$9,810,758$7,988,758$13,337,255
48$21,051,824$10,213,138$8,178,034$14,238,931
49$23,118,295$10,632,767$8,371,183$15,216,616
50$25,393,000$11,070,412$8,568,257$16,277,472
51$27,897,100$11,526,875$8,769,307$17,429,367
52$30,653,909$12,002,997$8,974,384$18,680,949
53$33,689,119$12,499,655$9,183,537$20,041,722
54$37,031,038$13,017,767$9,396,815$21,522,130
55$40,710,861$13,558,295$9,614,264$23,133,660
56$44,762,959$14,122,241$9,835,932$24,888,936
57$49,225,208$14,710,658$10,061,863$26,801,844
58$54,139,344$15,324,645$10,292,101$28,887,653
59$59,551,356$15,965,352$10,526,685$31,163,157
60$65,511,922$16,633,983$10,765,657$33,646,829
61$72,076,886$17,331,795$11,009,054$36,358,990
62$79,307,782$18,060,107$11,256,912$39,321,999
63$87,272,420$18,820,296$11,509,262$42,560,453
64$96,045,521$19,613,805$11,766,137$46,101,420
65$105,709,425$20,442,142$12,027,563$49,974,687
66$116,354,866$21,306,887$12,293,566$54,213,034
67$128,081,829$22,209,691$12,564,167$58,852,540
68$141,000,493$23,152,283$12,839,384$63,932,915
69$155,232,272$24,136,474$13,119,232$69,497,869
70$170,910,959$25,164,156$13,403,721$75,595,521
71$188,183,989$26,237,312$13,692,859$82,278,839
72$207,213,832$27,358,016$13,986,645$89,606,142
73$228,179,524$28,528,440$14,285,079$97,641,633
74$251,278,357$29,750,856$14,588,151$106,456,007
75$276,727,744$31,027,642$14,895,849$116,127,101
76$304,767,267$32,361,289$15,208,152$126,740,624
77$335,660,940$33,754,404$15,525,037$138,390,960
78$369,699,701$35,209,715$15,846,471$151,182,044
79$407,204,157$36,730,079$16,172,415$165,228,334
80$448,527,614$38,318,485$16,502,824$180,655,885
81$494,059,405$39,978,065$16,837,643$197,603,523
82$544,228,572$41,712,097$17,176,811$216,224,150
83$599,507,909$43,524,013$17,520,256$236,686,168
84$660,418,431$45,417,405$17,867,900$259,175,063
85$727,534,288$47,396,036$18,219,653$283,895,138
86$801,488,189$49,463,844$18,575,414$311,071,434
87$882,977,367$51,624,956$18,935,074$340,951,832
88$972,770,170$53,883,690$19,298,510$373,809,386
89$1,071,713,305$56,244,568$19,665,588$409,944,881
90$1,180,739,838$58,712,328$20,036,161$449,689,657
91$1,300,877,998$61,291,929$20,410,069$493,408,719
92$1,433,260,886$63,988,566$20,787,138$541,504,167
93$1,579,137,168$66,807,677$21,167,179$594,418,974
94$1,739,882,867$69,754,961$21,549,987$652,641,144
95$1,917,014,348$72,836,383$21,935,341$716,708,303
96$2,112,202,639$76,058,193$22,323,002$787,212,752
97$2,327,289,200$79,426,936$22,712,714$864,807,035
98$2,564,303,309$82,949,467$23,104,201$950,210,077
99$2,825,481,222$86,632,966$23,497,167$1,044,213,949
100$3,113,287,279$90,484,954$23,891,295$1,147,691,315