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

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 $5,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$487,216$482,877$478,642$474,510$470,474$462,300
2 years$241,196$236,704$232,351$228,130$224,035$215,826
3 years$159,200$154,689$150,346$146,165$142,137$134,149
4 years$118,210$113,713$109,414$105,304$101,373$93,668
5 years$93,623$89,152$84,909$80,883$77,063$69,662
6 years$77,236$72,799$68,619$64,683$60,977$53,889
7 years$65,536$61,137$57,023$53,179$49,591$42,818
8 years$56,765$52,406$48,360$44,611$41,140$34,681
9 years$49,947$45,628$41,653$37,999$34,646$28,497
10 years$44,496$40,219$36,314$32,755$29,520$23,675
11 years$40,038$35,805$31,970$28,507$25,388$19,842
12 years$36,327$32,136$28,373$25,004$22,001$16,745
13 years$33,188$29,042$25,349$22,075$19,185$14,212
14 years$30,501$26,398$22,776$19,596$16,818$12,119
15 years$28,174$24,115$20,564$17,476$14,808$10,374
16 years$26,139$22,125$18,644$15,648$13,087$8,909
17 years$24,346$20,377$16,965$14,059$11,604$7,672
18 years$22,754$18,829$15,487$12,670$10,318$6,622
19 years$21,331$17,450$14,178$11,449$9,196$5,726
20 years$20,052$16,216$13,012$10,369$8,214$4,961
21 years$18,897$15,104$11,968$9,411$7,351$4,303
22 years$17,847$14,099$11,031$8,556$6,589$3,738
23 years$16,891$13,187$10,185$7,792$5,915$3,250
24 years$16,015$12,355$9,419$7,107$5,316$2,828
25 years$15,211$11,595$8,724$6,491$4,784$2,464
26 years$14,470$10,897$8,091$5,935$4,309$2,147
27 years$13,785$10,256$7,513$5,432$3,885$1,873
28 years$13,150$9,664$6,985$4,977$3,506$1,634
29 years$12,560$9,117$6,500$4,564$3,165$1,426
30 years$12,010$8,610$6,054$4,189$2,860$1,246
31 years$11,497$8,139$5,644$3,847$2,586$1,088
32 years$11,016$7,701$5,266$3,535$2,339$951
33 years$10,566$7,293$4,917$3,251$2,117$831
34 years$10,143$6,912$4,594$2,991$1,917$727
35 years$9,745$6,556$4,295$2,754$1,736$635
36 years$9,371$6,223$4,018$2,536$1,573$556
37 years$9,017$5,910$3,761$2,337$1,426$486
38 years$8,682$5,617$3,522$2,154$1,292$425
39 years$8,366$5,341$3,300$1,986$1,172$372
40 years$8,066$5,082$3,093$1,832$1,063$326
41 years$7,782$4,837$2,900$1,690$964$285
42 years$7,512$4,607$2,720$1,560$875$249
43 years$7,255$4,389$2,553$1,440$794$218
44 years$7,010$4,184$2,396$1,329$721$191
45 years$6,777$3,990$2,250$1,228$654$167
46 years$6,555$3,806$2,113$1,134$594$146
47 years$6,343$3,632$1,985$1,048$540$128
48 years$6,140$3,467$1,866$968$490$112
49 years$5,946$3,311$1,754$895$445$98
50 years$5,760$3,163$1,649$827$404$86

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 $4,121 every year, while hoping to spend $42,558 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: 29/44/27 Blend
34$5,900,000$5,900,000$5,900,000$5,900,000
35$6,506,051$6,193,351$6,101,901$6,640,256
36$7,124,387$6,451,544$6,261,033$7,004,421
37$7,804,366$6,720,962$6,424,070$7,391,662
38$8,552,233$7,002,110$6,591,097$7,807,129
39$9,374,864$7,295,516$6,762,202$8,253,287
40$10,279,838$7,601,734$6,937,474$8,732,840
41$11,275,504$7,921,343$7,117,003$9,248,747
42$12,371,063$8,254,946$7,300,880$9,804,254
43$13,576,651$8,603,178$7,489,198$10,402,918
44$14,903,437$8,966,700$7,682,054$11,048,642
45$16,363,726$9,346,208$7,879,542$11,745,705
46$17,971,080$9,742,426$8,081,760$12,498,803
47$19,740,439$10,156,113$8,288,807$13,313,088
48$21,688,266$10,588,065$8,500,785$14,194,219
49$23,832,701$11,039,113$8,717,794$15,148,403
50$26,193,735$11,510,128$8,939,938$16,182,460
51$28,793,392$12,002,020$9,167,322$17,303,880
52$31,655,943$12,515,744$9,400,052$18,520,887
53$34,808,132$13,052,297$9,638,236$19,842,520
54$38,279,426$13,612,726$9,881,983$21,278,709
55$42,102,301$14,198,122$10,131,402$22,840,368
56$46,312,537$14,809,631$10,386,605$24,539,492
57$50,949,565$15,448,452$10,647,706$26,389,266
58$56,056,834$16,115,840$10,914,817$28,404,187
59$61,682,223$16,813,108$11,188,055$30,600,195
60$67,878,490$17,541,631$11,467,536$32,994,818
61$74,703,774$18,302,849$11,753,376$35,607,333
62$82,222,140$19,098,269$12,045,695$38,458,943
63$90,504,184$19,929,470$12,344,612$41,572,972
64$99,627,702$20,798,105$12,650,248$44,975,077
65$109,678,419$21,705,904$12,962,723$48,693,488
66$120,750,803$22,654,679$13,282,159$52,759,266
67$132,948,954$23,646,327$13,608,681$57,206,588
68$146,387,586$24,682,836$13,942,410$62,073,066
69$161,193,110$25,766,285$14,283,471$67,400,095
70$177,504,828$26,898,854$14,631,988$73,233,234
71$195,476,247$28,082,824$14,988,086$79,622,627
72$215,276,527$29,320,586$15,351,890$86,623,474
73$237,092,080$30,614,641$15,723,525$94,296,537
74$261,128,325$31,967,612$16,103,117$102,708,711
75$287,611,633$33,382,243$16,490,789$111,933,641
76$316,791,456$34,861,410$16,886,668$122,052,409
77$348,942,690$36,408,124$17,290,876$133,154,291
78$384,368,263$38,025,541$17,703,539$145,337,588
79$423,401,997$39,716,963$18,124,779$158,710,542
80$466,411,758$41,485,853$18,554,717$173,392,348
81$513,802,933$43,335,835$18,993,475$189,514,267
82$566,022,248$45,270,707$19,441,173$207,220,850
83$623,561,994$47,294,447$19,897,928$226,671,292
84$686,964,665$49,411,223$20,363,857$248,040,921
85$756,828,089$51,625,401$20,839,074$271,522,837
86$833,811,062$53,941,554$21,323,691$297,329,721
87$918,639,574$56,364,473$21,817,818$325,695,828
88$1,012,113,656$58,899,179$22,321,561$356,879,179
89$1,115,114,940$61,550,930$22,835,024$391,163,981
90$1,228,614,975$64,325,235$23,358,308$428,863,294
91$1,353,684,399$67,227,869$23,891,508$470,321,966
92$1,491,503,052$70,264,878$24,434,718$515,919,865
93$1,643,371,107$73,442,601$24,988,024$566,075,453
94$1,810,721,347$76,767,677$25,551,511$621,249,706
95$1,995,132,694$80,247,062$26,125,256$681,950,448
96$2,198,345,108$83,888,047$26,709,331$748,737,123
97$2,422,276,017$87,698,270$27,303,802$822,226,046
98$2,669,038,421$91,685,734$27,908,729$903,096,200
99$2,940,960,832$95,858,828$28,524,164$992,095,618
100$3,240,609,265$100,226,338$29,150,151$1,090,048,417