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%12%
1 years$478,959$474,692$470,530$466,467$462,500$458,625
2 years$237,108$232,692$228,413$224,263$220,238$216,333
3 years$156,502$152,067$147,798$143,688$139,728$135,913
4 years$116,207$111,785$107,559$103,519$99,655$95,960
5 years$92,036$87,641$83,470$79,512$75,756$72,192
6 years$75,927$71,566$67,456$63,587$59,943$56,514
7 years$64,426$60,101$56,057$52,278$48,750$45,458
8 years$55,803$51,517$47,540$43,855$40,443$37,288
9 years$49,101$44,855$40,947$37,355$34,059$31,039
10 years$43,742$39,538$35,698$32,200$29,020$26,134
11 years$39,360$35,198$31,428$28,024$24,958$22,205
12 years$35,711$31,592$27,892$24,580$21,628$19,004
13 years$32,626$28,550$24,919$21,701$18,860$16,362
14 years$29,984$25,951$22,390$19,264$16,533$14,158
15 years$27,696$23,707$20,215$17,180$14,557$12,302
16 years$25,696$21,750$18,328$15,383$12,865$10,727
17 years$23,933$20,031$16,678$13,821$11,407$9,382
18 years$22,368$18,510$15,225$12,456$10,143$8,226
19 years$20,970$17,155$13,938$11,255$9,040$7,229
20 years$19,712$15,941$12,791$10,193$8,075$6,365
21 years$18,576$14,848$11,765$9,251$7,226$5,614
22 years$17,545$13,860$10,844$8,411$6,477$4,958
23 years$16,605$12,963$10,012$7,660$5,814$4,384
24 years$15,744$12,146$9,260$6,987$5,226$3,882
25 years$14,953$11,398$8,576$6,381$4,703$3,440
26 years$14,225$10,713$7,954$5,834$4,236$3,051
27 years$13,551$10,082$7,386$5,340$3,819$2,708
28 years$12,927$9,500$6,866$4,893$3,446$2,405
29 years$12,347$8,962$6,390$4,487$3,112$2,137
30 years$11,806$8,464$5,952$4,118$2,812$1,900
31 years$11,302$8,001$5,549$3,782$2,542$1,691
32 years$10,830$7,571$5,177$3,476$2,299$1,504
33 years$10,387$7,170$4,834$3,196$2,081$1,339
34 years$9,971$6,795$4,516$2,941$1,884$1,193
35 years$9,580$6,445$4,222$2,707$1,706$1,062
36 years$9,212$6,117$3,950$2,493$1,546$947
37 years$8,864$5,810$3,697$2,297$1,401$844
38 years$8,535$5,522$3,462$2,117$1,270$752
39 years$8,224$5,250$3,244$1,952$1,152$670
40 years$7,930$4,995$3,040$1,801$1,045$598
41 years$7,650$4,755$2,851$1,661$948$533
42 years$7,384$4,529$2,674$1,533$860$476
43 years$7,132$4,315$2,509$1,415$781$424
44 years$6,891$4,113$2,355$1,307$709$378
45 years$6,662$3,922$2,212$1,207$643$338
46 years$6,444$3,742$2,077$1,115$584$301
47 years$6,235$3,571$1,952$1,030$530$269
48 years$6,036$3,409$1,834$952$482$240
49 years$5,845$3,255$1,724$880$437$214
50 years$5,663$3,109$1,621$813$397$191

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 $5,995 every year, while hoping to spend $21,862 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: 64/22/14 Blend
34$5,800,000$5,800,000$5,800,000$5,800,000
35$6,397,784$6,090,384$6,000,484$6,785,478
36$7,027,097$6,365,552$6,178,239$7,320,921
37$7,719,867$6,653,470$6,361,216$7,902,497
38$8,482,544$6,954,740$6,549,568$8,537,239
39$9,322,234$7,269,994$6,743,449$9,230,326
40$10,246,769$7,599,890$6,943,021$9,987,456
41$11,264,776$7,945,122$7,148,450$10,814,899
42$12,385,765$8,306,414$7,359,904$11,719,554
43$13,620,212$8,684,528$7,577,560$12,709,009
44$14,979,662$9,080,258$7,801,597$13,791,619
45$16,476,838$9,494,440$8,032,200$14,976,573
46$18,125,756$9,927,949$8,269,560$16,273,989
47$19,941,865$10,381,700$8,513,872$17,695,001
48$21,942,186$10,856,655$8,765,337$19,251,866
49$24,145,477$11,353,819$9,024,164$20,958,074
50$26,572,407$11,874,247$9,290,565$22,828,478
51$29,245,753$12,419,046$9,564,760$24,879,428
52$32,190,614$12,989,373$9,846,973$27,128,927
53$35,434,646$13,586,442$10,137,436$29,596,794
54$39,008,329$14,211,526$10,436,389$32,304,854
55$42,945,247$14,865,959$10,744,076$35,277,136
56$47,282,409$15,551,138$11,060,750$38,540,102
57$52,060,600$16,268,529$11,386,670$42,122,891
58$57,324,760$17,019,667$11,722,103$46,057,593
59$63,124,416$17,806,160$12,067,323$50,379,548
60$69,514,141$18,629,696$12,422,613$55,127,676
61$76,554,075$19,492,044$12,788,263$60,344,844
62$84,310,492$20,395,055$13,164,571$66,078,263
63$92,856,422$21,340,673$13,551,844$72,379,934
64$102,272,345$22,330,933$13,950,398$79,307,131
65$112,646,945$23,367,970$14,360,557$86,922,943
66$124,077,953$24,454,020$14,782,656$95,296,863
67$136,673,066$25,591,429$15,217,037$104,505,436
68$150,550,965$26,782,655$15,664,053$114,632,985
69$165,842,432$28,030,274$16,124,068$125,772,395
70$182,691,590$29,336,987$16,597,454$138,025,992
71$201,257,259$30,705,626$17,084,595$151,506,495
72$221,714,456$32,139,159$17,585,886$166,338,085
73$244,256,050$33,640,697$18,101,733$182,657,564
74$269,094,578$35,213,502$18,632,552$200,615,644
75$296,464,255$36,860,993$19,178,772$220,378,362
76$326,623,183$38,586,756$19,740,835$242,128,645
77$359,855,788$40,394,547$20,319,193$266,068,026
78$396,475,505$42,288,307$20,914,313$292,418,542
79$436,827,738$44,272,166$21,526,674$321,424,820
80$481,293,119$46,350,453$22,156,769$353,356,383
81$530,291,100$48,527,708$22,805,104$388,510,186
82$584,283,917$50,808,690$23,472,200$427,213,406
83$643,780,949$53,198,389$24,158,591$469,826,528
84$709,343,532$55,702,036$24,864,830$516,746,737
85$781,590,250$58,325,114$25,591,480$568,411,658
86$861,202,785$61,073,374$26,339,124$625,303,478
87$948,932,344$63,952,845$27,108,360$687,953,485
88$1,045,606,755$66,969,845$27,899,801$756,947,078
89$1,152,138,279$70,131,003$28,714,080$832,929,278
90$1,269,532,228$73,443,267$29,551,846$916,610,809
91$1,398,896,449$76,913,920$30,413,766$1,008,774,791
92$1,541,451,786$80,550,602$31,300,527$1,110,284,124
93$1,698,543,606$84,361,319$32,212,832$1,222,089,618
94$1,871,654,500$88,354,470$33,151,408$1,345,238,957
95$2,062,418,277$92,538,857$34,116,998$1,480,886,576
96$2,272,635,393$96,923,712$35,110,369$1,630,304,539
97$2,504,289,943$101,518,715$36,132,307$1,794,894,540
98$2,759,568,399$106,334,013$37,183,621$1,976,201,111
99$3,040,880,245$111,380,249$38,265,142$2,175,926,190
100$3,350,880,729$116,668,581$39,377,723$2,395,945,169