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%17.6%
1 years$478,959$474,692$470,530$466,467$462,500$448,234
2 years$237,108$232,692$228,413$224,263$220,238$205,990
3 years$156,502$152,067$147,798$143,688$139,728$125,945
4 years$116,207$111,785$107,559$103,519$99,655$86,442
5 years$92,036$87,641$83,470$79,512$75,756$63,149
6 years$75,927$71,566$67,456$63,587$59,943$47,954
7 years$64,426$60,101$56,057$52,278$48,750$37,377
8 years$55,803$51,517$47,540$43,855$40,443$29,678
9 years$49,101$44,855$40,947$37,355$34,059$23,892
10 years$43,742$39,538$35,698$32,200$29,020$19,435
11 years$39,360$35,198$31,428$28,024$24,958$15,939
12 years$35,711$31,592$27,892$24,580$21,628$13,156
13 years$32,626$28,550$24,919$21,701$18,860$10,914
14 years$29,984$25,951$22,390$19,264$16,533$9,093
15 years$27,696$23,707$20,215$17,180$14,557$7,601
16 years$25,696$21,750$18,328$15,383$12,865$6,371
17 years$23,933$20,031$16,678$13,821$11,407$5,353
18 years$22,368$18,510$15,225$12,456$10,143$4,506
19 years$20,970$17,155$13,938$11,255$9,040$3,799
20 years$19,712$15,941$12,791$10,193$8,075$3,208
21 years$18,576$14,848$11,765$9,251$7,226$2,711
22 years$17,545$13,860$10,844$8,411$6,477$2,294
23 years$16,605$12,963$10,012$7,660$5,814$1,942
24 years$15,744$12,146$9,260$6,987$5,226$1,645
25 years$14,953$11,398$8,576$6,381$4,703$1,395
26 years$14,225$10,713$7,954$5,834$4,236$1,183
27 years$13,551$10,082$7,386$5,340$3,819$1,003
28 years$12,927$9,500$6,866$4,893$3,446$852
29 years$12,347$8,962$6,390$4,487$3,112$723
30 years$11,806$8,464$5,952$4,118$2,812$614
31 years$11,302$8,001$5,549$3,782$2,542$521
32 years$10,830$7,571$5,177$3,476$2,299$443
33 years$10,387$7,170$4,834$3,196$2,081$376
34 years$9,971$6,795$4,516$2,941$1,884$320
35 years$9,580$6,445$4,222$2,707$1,706$272
36 years$9,212$6,117$3,950$2,493$1,546$231
37 years$8,864$5,810$3,697$2,297$1,401$196
38 years$8,535$5,522$3,462$2,117$1,270$167
39 years$8,224$5,250$3,244$1,952$1,152$142
40 years$7,930$4,995$3,040$1,801$1,045$121
41 years$7,650$4,755$2,851$1,661$948$103
42 years$7,384$4,529$2,674$1,533$860$87
43 years$7,132$4,315$2,509$1,415$781$74
44 years$6,891$4,113$2,355$1,307$709$63
45 years$6,662$3,922$2,212$1,207$643$54
46 years$6,444$3,742$2,077$1,115$584$46
47 years$6,235$3,571$1,952$1,030$530$39
48 years$6,036$3,409$1,834$952$482$33
49 years$5,845$3,255$1,724$880$437$28
50 years$5,663$3,109$1,621$813$397$24

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 $6,920 every year, while hoping to spend $52,622 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: 35/37/28 Blend
34$5,800,000$5,800,000$5,800,000$5,800,000
35$6,398,738$6,091,338$6,001,438$6,568,469
36$6,995,420$6,333,824$6,146,497$6,938,693
37$7,651,200$6,586,428$6,294,651$7,332,655
38$8,372,050$6,849,591$6,445,950$7,756,726
39$9,164,550$7,123,772$6,600,440$8,213,636
40$10,035,950$7,409,453$6,758,171$8,706,383
41$10,994,235$7,707,135$6,919,188$9,238,254
42$12,048,207$8,017,344$7,083,541$9,812,863
43$13,207,559$8,340,629$7,251,274$10,434,175
44$14,482,974$8,677,563$7,422,436$11,106,546
45$15,886,221$9,028,747$7,597,071$11,834,762
46$17,430,267$9,394,808$7,775,224$12,624,081
47$19,129,401$9,776,400$7,956,941$13,480,282
48$20,999,366$10,174,210$8,142,265$14,409,715
49$23,057,509$10,588,954$8,331,238$15,419,362
50$25,322,943$11,021,381$8,523,903$16,516,898
51$27,816,728$11,472,274$8,720,299$17,710,761
52$30,562,071$11,942,452$8,920,466$19,010,232
53$33,584,543$12,432,772$9,124,442$20,425,517
54$36,912,318$12,944,130$9,332,262$21,967,841
55$40,576,444$13,477,462$9,543,963$23,649,554
56$44,611,132$14,033,748$9,759,576$25,484,239
57$49,054,079$14,614,013$9,979,133$27,486,845
58$53,946,823$15,219,328$10,202,662$29,673,816
59$59,335,138$15,850,814$10,430,190$32,063,250
60$65,269,462$16,509,643$10,661,741$34,675,064
61$71,805,374$17,197,043$10,897,337$37,531,177
62$79,004,120$17,914,296$11,136,995$40,655,715
63$86,933,187$18,662,744$11,380,732$44,075,234
64$95,666,945$19,443,791$11,628,559$47,818,966
65$105,287,343$20,258,907$11,880,486$51,919,092
66$115,884,687$21,109,628$12,136,517$56,411,042
67$127,558,488$21,997,562$12,396,653$61,333,822
68$140,418,403$22,924,392$12,660,890$66,730,379
69$154,585,272$23,891,879$12,929,222$72,648,001
70$170,192,254$24,901,865$13,201,635$79,138,761
71$187,386,085$25,956,278$13,478,111$86,259,997
72$206,328,464$27,057,134$13,758,627$94,074,855
73$227,197,581$28,206,547$14,043,153$102,652,871
74$250,189,790$29,406,724$14,331,655$112,070,629
75$275,521,474$30,659,979$14,624,091$122,412,472
76$303,431,078$31,968,731$14,920,411$133,771,296
77$334,181,363$33,335,514$15,220,561$146,249,413
78$368,061,888$34,762,980$15,524,475$159,959,518
79$405,391,738$36,253,903$15,832,082$175,025,738
80$446,522,540$37,811,189$16,143,302$191,584,802
81$491,841,780$39,437,879$16,458,043$209,787,316
82$541,776,462$41,137,155$16,776,208$229,799,184
83$596,797,136$42,912,351$17,097,687$251,803,158
84$657,422,343$44,766,955$17,422,358$276,000,560
85$724,223,505$46,704,620$17,750,090$302,613,168
86$797,830,325$48,729,168$18,080,741$331,885,299
87$878,936,725$50,844,604$18,414,152$364,086,110
88$968,307,401$53,055,119$18,750,156$399,512,122
89$1,066,785,038$55,365,103$19,088,568$438,490,009
90$1,175,298,268$57,779,149$19,429,192$481,379,672
91$1,294,870,434$60,302,070$19,771,812$528,577,620
92$1,426,629,250$62,938,903$20,116,200$580,520,703
93$1,571,817,450$65,694,926$20,462,109$637,690,219
94$1,731,804,515$68,575,662$20,809,275$700,616,446
95$1,908,099,604$71,586,898$21,157,414$769,883,631
96$2,102,365,799$74,734,691$21,506,223$846,135,488
97$2,316,435,807$78,025,388$21,855,378$930,081,264
98$2,552,329,260$81,465,632$22,204,533$1,022,502,409
99$2,812,271,780$85,062,384$22,553,321$1,124,259,941
100$3,098,715,993$88,822,933$22,901,349$1,236,302,554