Can I retire at age 35 with 5,900,000?

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 $5,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$487,216$482,877$478,642$474,510$470,474$457,801
2 years$241,196$236,704$232,351$228,130$224,035$211,358
3 years$159,200$154,689$150,346$146,165$142,137$129,852
4 years$118,210$113,713$109,414$105,304$101,373$89,575
5 years$93,623$89,152$84,909$80,883$77,063$65,784
6 years$77,236$72,799$68,619$64,683$60,977$50,228
7 years$65,536$61,137$57,023$53,179$49,591$39,373
8 years$56,765$52,406$48,360$44,611$41,140$31,448
9 years$49,947$45,628$41,653$37,999$34,646$25,470
10 years$44,496$40,219$36,314$32,755$29,520$20,849
11 years$40,038$35,805$31,970$28,507$25,388$17,209
12 years$36,327$32,136$28,373$25,004$22,001$14,298
13 years$33,188$29,042$25,349$22,075$19,185$11,942
14 years$30,501$26,398$22,776$19,596$16,818$10,018
15 years$28,174$24,115$20,564$17,476$14,808$8,434
16 years$26,139$22,125$18,644$15,648$13,087$7,120
17 years$24,346$20,377$16,965$14,059$11,604$6,026
18 years$22,754$18,829$15,487$12,670$10,318$5,111
19 years$21,331$17,450$14,178$11,449$9,196$4,342
20 years$20,052$16,216$13,012$10,369$8,214$3,693
21 years$18,897$15,104$11,968$9,411$7,351$3,146
22 years$17,847$14,099$11,031$8,556$6,589$2,682
23 years$16,891$13,187$10,185$7,792$5,915$2,289
24 years$16,015$12,355$9,419$7,107$5,316$1,955
25 years$15,211$11,595$8,724$6,491$4,784$1,670
26 years$14,470$10,897$8,091$5,935$4,309$1,428
27 years$13,785$10,256$7,513$5,432$3,885$1,221
28 years$13,150$9,664$6,985$4,977$3,506$1,045
29 years$12,560$9,117$6,500$4,564$3,165$895
30 years$12,010$8,610$6,054$4,189$2,860$766
31 years$11,497$8,139$5,644$3,847$2,586$656
32 years$11,016$7,701$5,266$3,535$2,339$562
33 years$10,566$7,293$4,917$3,251$2,117$481
34 years$10,143$6,912$4,594$2,991$1,917$412
35 years$9,745$6,556$4,295$2,754$1,736$353
36 years$9,371$6,223$4,018$2,536$1,573$303
37 years$9,017$5,910$3,761$2,337$1,426$260
38 years$8,682$5,617$3,522$2,154$1,292$223
39 years$8,366$5,341$3,300$1,986$1,172$191
40 years$8,066$5,082$3,093$1,832$1,063$164
41 years$7,782$4,837$2,900$1,690$964$140
42 years$7,512$4,607$2,720$1,560$875$120
43 years$7,255$4,389$2,553$1,440$794$103
44 years$7,010$4,184$2,396$1,329$721$88
45 years$6,777$3,990$2,250$1,228$654$76
46 years$6,555$3,806$2,113$1,134$594$65
47 years$6,343$3,632$1,985$1,048$540$56
48 years$6,140$3,467$1,866$968$490$48
49 years$5,946$3,311$1,754$895$445$41
50 years$5,760$3,163$1,649$827$404$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,900,000, adding $4,488 every year, while hoping to spend $46,487 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: 42/42/16 Blend
34$5,900,000$5,900,000$5,900,000$5,900,000
35$6,506,429$6,193,729$6,102,279$6,749,024
36$7,120,623$6,447,760$6,257,244$7,174,563
37$7,795,907$6,712,681$6,415,842$7,630,163
38$8,538,463$6,988,975$6,578,145$8,122,527
39$9,355,101$7,277,150$6,744,229$8,655,041
40$10,253,327$7,577,736$6,914,166$9,231,426
41$11,241,407$7,891,286$7,088,032$9,855,765
42$12,328,453$8,218,381$7,265,903$10,532,543
43$13,524,501$8,559,627$7,447,856$11,266,685
44$14,840,609$8,915,659$7,633,969$12,063,602
45$16,288,964$9,287,139$7,824,319$12,929,239
46$17,882,992$9,674,762$8,018,987$13,870,129
47$19,637,485$10,079,253$8,218,052$14,893,453
48$21,568,746$10,501,374$8,421,593$16,007,104
49$23,694,734$10,941,918$8,629,693$17,219,758
50$26,035,242$11,401,716$8,842,432$18,540,956
51$28,612,076$11,881,640$9,059,893$19,981,187
52$31,449,266$12,382,599$9,282,158$21,551,989
53$34,573,291$12,905,545$9,509,310$23,266,051
54$38,013,326$13,451,477$9,741,432$25,137,328
55$41,801,522$14,021,436$9,978,607$27,181,176
56$45,973,306$14,616,515$10,220,918$29,414,486
57$50,567,714$15,237,855$10,468,450$31,855,843
58$55,627,764$15,886,653$10,721,286$34,525,698
59$61,200,856$16,564,159$10,979,509$37,446,556
60$67,339,224$17,271,683$11,243,203$40,643,182
61$74,100,426$18,010,597$11,512,451$44,142,835
62$81,547,887$18,782,334$11,787,336$47,975,518
63$89,751,499$19,588,396$12,067,940$52,174,254
64$98,788,281$20,430,356$12,354,345$56,775,396
65$108,743,101$21,309,859$12,646,631$61,818,964
66$119,709,483$22,228,628$12,944,879$67,349,017
67$131,790,486$23,188,466$13,249,167$73,414,063
68$145,099,675$24,191,261$13,559,575$80,067,509
69$159,762,199$25,238,990$13,876,177$87,368,162
70$175,915,964$26,333,721$14,199,050$95,380,776
71$193,712,942$27,477,622$14,528,267$104,176,656
72$213,320,597$28,672,961$14,863,900$113,834,323
73$234,923,475$29,922,113$15,206,017$124,440,250
74$258,724,938$31,227,566$15,554,688$136,089,669
75$284,949,087$32,591,922$15,909,975$148,887,461
76$313,842,877$34,017,909$16,271,942$162,949,139
77$345,678,447$35,508,383$16,640,648$178,401,926
78$380,755,687$37,066,333$17,016,149$195,385,953
79$419,405,075$38,694,890$17,398,498$214,055,565
80$461,990,788$40,397,335$17,787,743$234,580,771
81$508,914,145$42,177,101$18,183,929$257,148,840
82$560,617,393$44,037,785$18,587,096$281,966,052
83$617,587,885$45,983,154$18,997,281$309,259,639
84$680,362,673$48,017,152$19,414,514$339,279,915
85$749,533,585$50,143,912$19,838,820$372,302,627
86$825,752,809$52,367,763$20,270,219$408,631,542
87$909,739,048$54,693,235$20,708,724$448,601,306
88$1,002,284,307$57,125,079$21,154,341$492,580,584
89$1,104,261,365$59,668,267$21,607,071$540,975,524
90$1,216,632,022$62,328,010$22,066,905$594,233,581
91$1,340,456,169$65,109,763$22,533,827$652,847,717
92$1,476,901,801$68,019,245$23,007,814$717,361,041
93$1,627,256,040$71,062,443$23,488,830$788,371,918
94$1,792,937,284$74,245,630$23,976,834$866,539,598
95$1,975,508,600$77,575,379$24,471,771$952,590,417
96$2,176,692,480$81,058,575$24,973,578$1,047,324,637
97$2,398,387,098$84,702,431$25,482,178$1,151,623,975
98$2,642,684,235$88,514,503$25,997,484$1,266,459,907
99$2,911,889,022$92,502,709$26,519,395$1,392,902,810
100$3,208,541,704$96,675,343$27,047,796$1,532,132,049