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

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 $5,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$478,959$474,692$470,530$466,467$462,500$446,268
2 years$237,108$232,692$228,413$224,263$220,238$204,055
3 years$156,502$152,067$147,798$143,688$139,728$124,102
4 years$116,207$111,785$107,559$103,519$99,655$84,706
5 years$92,036$87,641$83,470$79,512$75,756$61,524
6 years$75,927$71,566$67,456$63,587$59,943$46,438
7 years$64,426$60,101$56,057$52,278$48,750$35,969
8 years$55,803$51,517$47,540$43,855$40,443$28,375
9 years$49,101$44,855$40,947$37,355$34,059$22,690
10 years$43,742$39,538$35,698$32,200$29,020$18,330
11 years$39,360$35,198$31,428$28,024$24,958$14,926
12 years$35,711$31,592$27,892$24,580$21,628$12,230
13 years$32,626$28,550$24,919$21,701$18,860$10,071
14 years$29,984$25,951$22,390$19,264$16,533$8,326
15 years$27,696$23,707$20,215$17,180$14,557$6,906
16 years$25,696$21,750$18,328$15,383$12,865$5,743
17 years$23,933$20,031$16,678$13,821$11,407$4,786
18 years$22,368$18,510$15,225$12,456$10,143$3,996
19 years$20,970$17,155$13,938$11,255$9,040$3,341
20 years$19,712$15,941$12,791$10,193$8,075$2,797
21 years$18,576$14,848$11,765$9,251$7,226$2,344
22 years$17,545$13,860$10,844$8,411$6,477$1,966
23 years$16,605$12,963$10,012$7,660$5,814$1,650
24 years$15,744$12,146$9,260$6,987$5,226$1,386
25 years$14,953$11,398$8,576$6,381$4,703$1,165
26 years$14,225$10,713$7,954$5,834$4,236$979
27 years$13,551$10,082$7,386$5,340$3,819$823
28 years$12,927$9,500$6,866$4,893$3,446$692
29 years$12,347$8,962$6,390$4,487$3,112$583
30 years$11,806$8,464$5,952$4,118$2,812$490
31 years$11,302$8,001$5,549$3,782$2,542$413
32 years$10,830$7,571$5,177$3,476$2,299$347
33 years$10,387$7,170$4,834$3,196$2,081$292
34 years$9,971$6,795$4,516$2,941$1,884$246
35 years$9,580$6,445$4,222$2,707$1,706$207
36 years$9,212$6,117$3,950$2,493$1,546$175
37 years$8,864$5,810$3,697$2,297$1,401$147
38 years$8,535$5,522$3,462$2,117$1,270$124
39 years$8,224$5,250$3,244$1,952$1,152$104
40 years$7,930$4,995$3,040$1,801$1,045$88
41 years$7,650$4,755$2,851$1,661$948$74
42 years$7,384$4,529$2,674$1,533$860$62
43 years$7,132$4,315$2,509$1,415$781$53
44 years$6,891$4,113$2,355$1,307$709$44
45 years$6,662$3,922$2,212$1,207$643$37
46 years$6,444$3,742$2,077$1,115$584$31
47 years$6,235$3,571$1,952$1,030$530$26
48 years$6,036$3,409$1,834$952$482$22
49 years$5,845$3,255$1,724$880$437$19
50 years$5,663$3,109$1,621$813$397$16

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 $4,954 every year, while hoping to spend $28,348 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: 46/36/18 Blend
34$5,800,000$5,800,000$5,800,000$5,800,000
35$6,396,710$6,089,310$5,999,410$6,657,897
36$7,019,012$6,357,524$6,170,228$7,108,910
37$7,703,840$6,637,931$6,345,819$7,594,687
38$8,457,539$6,931,097$6,526,311$8,121,110
39$9,287,105$7,237,618$6,711,840$8,691,973
40$10,200,244$7,558,115$6,902,541$9,311,444
41$11,205,447$7,893,241$7,098,554$9,984,099
42$12,312,072$8,243,679$7,300,025$10,714,967
43$13,530,428$8,610,144$7,507,100$11,509,571
44$14,871,876$8,993,386$7,719,932$12,373,981
45$16,348,934$9,394,188$7,938,677$13,314,869
46$17,975,395$9,813,374$8,163,493$14,339,568
47$19,766,461$10,251,804$8,394,545$15,456,137
48$21,738,878$10,710,381$8,632,001$16,673,441
49$23,911,104$11,190,050$8,876,033$18,001,222
50$26,303,474$11,691,800$9,126,818$19,450,197
51$28,938,400$12,216,670$9,384,538$21,032,153
52$31,840,576$12,765,745$9,649,379$22,760,052
53$35,037,212$13,340,165$9,921,531$24,648,153
54$38,558,296$13,941,121$10,201,190$26,712,145
55$42,436,870$14,569,864$10,488,558$28,969,286
56$46,709,346$15,227,703$10,783,840$31,438,568
57$51,415,848$15,916,008$11,087,247$34,140,887
58$56,600,591$16,636,219$11,398,996$37,099,241
59$62,312,297$17,389,840$11,719,309$40,338,937
60$68,604,659$18,178,450$12,048,413$43,887,832
61$75,536,842$19,003,701$12,386,542$47,776,585
62$83,174,044$19,867,327$12,733,936$52,038,947
63$91,588,113$20,771,143$13,090,839$56,712,069
64$100,858,222$21,717,050$13,457,504$61,836,850
65$111,071,618$22,707,043$13,834,188$67,458,320
66$122,324,445$23,743,210$14,221,155$73,626,053
67$134,722,651$24,827,740$14,618,676$80,394,635
68$148,382,990$25,962,927$15,027,029$87,824,167
69$163,434,119$27,151,175$15,446,499$95,980,830
70$180,017,820$28,395,003$15,877,378$104,937,502
71$198,290,331$29,697,051$16,319,963$114,774,436
72$218,423,824$31,060,087$16,774,562$125,580,011
73$240,608,033$32,487,009$17,241,488$137,451,560
74$265,052,037$33,980,858$17,721,063$150,496,278
75$291,986,243$35,544,818$18,213,617$164,832,227
76$321,664,553$37,182,227$18,719,486$180,589,439
77$354,366,765$38,896,584$19,239,016$197,911,134
78$390,401,215$40,691,556$19,772,563$216,955,066
79$430,107,683$42,570,987$20,320,488$237,894,994
80$473,860,605$44,538,904$20,883,163$260,922,318
81$522,072,607$46,599,530$21,460,969$286,247,873
82$575,198,396$48,757,291$22,054,295$314,103,902
83$633,739,060$51,016,825$22,663,541$344,746,243
84$698,246,789$53,382,995$23,289,115$378,456,725
85$769,330,097$55,860,897$23,931,436$415,545,819
86$847,659,559$58,455,873$24,590,931$456,355,549
87$933,974,147$61,173,524$25,268,040$501,262,712
88$1,029,088,203$64,019,719$25,963,212$550,682,415
89$1,133,899,126$67,000,611$26,676,906$605,071,978
90$1,249,395,846$70,122,651$27,409,592$664,935,231
91$1,376,668,161$73,392,599$28,161,752$730,827,258
92$1,516,917,021$76,817,544$28,933,878$803,359,615
93$1,671,465,869$80,404,916$29,726,475$883,206,080
94$1,841,773,134$84,162,503$30,540,058$971,108,997
95$2,029,445,999$88,098,471$31,375,156$1,067,886,263
96$2,236,255,575$92,221,380$32,232,307$1,174,439,022
97$2,464,153,618$96,540,202$33,112,064$1,291,760,151
98$2,715,290,962$101,064,347$34,014,993$1,420,943,608
99$2,992,037,815$105,803,675$34,941,670$1,563,194,731
100$3,297,006,143$110,768,526$35,892,687$1,719,841,593