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%13%
1 years$487,216$482,877$478,642$474,510$470,474$464,595
2 years$241,196$236,704$232,351$228,130$224,035$218,120
3 years$159,200$154,689$150,346$146,165$142,137$136,369
4 years$118,210$113,713$109,414$105,304$101,373$95,797
5 years$93,623$89,152$84,909$80,883$77,063$71,694
6 years$77,236$72,799$68,619$64,683$60,977$55,823
7 years$65,536$61,137$57,023$53,179$49,591$44,653
8 years$56,765$52,406$48,360$44,611$41,140$36,418
9 years$49,947$45,628$41,653$37,999$34,646$30,138
10 years$44,496$40,219$36,314$32,755$29,520$25,223
11 years$40,038$35,805$31,970$28,507$25,388$21,298
12 years$36,327$32,136$28,373$25,004$22,001$18,113
13 years$33,188$29,042$25,349$22,075$19,185$15,494
14 years$30,501$26,398$22,776$19,596$16,818$13,319
15 years$28,174$24,115$20,564$17,476$14,808$11,495
16 years$26,139$22,125$18,644$15,648$13,087$9,955
17 years$24,346$20,377$16,965$14,059$11,604$8,645
18 years$22,754$18,829$15,487$12,670$10,318$7,527
19 years$21,331$17,450$14,178$11,449$9,196$6,567
20 years$20,052$16,216$13,012$10,369$8,214$5,740
21 years$18,897$15,104$11,968$9,411$7,351$5,024
22 years$17,847$14,099$11,031$8,556$6,589$4,404
23 years$16,891$13,187$10,185$7,792$5,915$3,865
24 years$16,015$12,355$9,419$7,107$5,316$3,395
25 years$15,211$11,595$8,724$6,491$4,784$2,985
26 years$14,470$10,897$8,091$5,935$4,309$2,627
27 years$13,785$10,256$7,513$5,432$3,885$2,313
28 years$13,150$9,664$6,985$4,977$3,506$2,038
29 years$12,560$9,117$6,500$4,564$3,165$1,797
30 years$12,010$8,610$6,054$4,189$2,860$1,585
31 years$11,497$8,139$5,644$3,847$2,586$1,398
32 years$11,016$7,701$5,266$3,535$2,339$1,234
33 years$10,566$7,293$4,917$3,251$2,117$1,089
34 years$10,143$6,912$4,594$2,991$1,917$962
35 years$9,745$6,556$4,295$2,754$1,736$850
36 years$9,371$6,223$4,018$2,536$1,573$751
37 years$9,017$5,910$3,761$2,337$1,426$664
38 years$8,682$5,617$3,522$2,154$1,292$586
39 years$8,366$5,341$3,300$1,986$1,172$518
40 years$8,066$5,082$3,093$1,832$1,063$458
41 years$7,782$4,837$2,900$1,690$964$405
42 years$7,512$4,607$2,720$1,560$875$358
43 years$7,255$4,389$2,553$1,440$794$317
44 years$7,010$4,184$2,396$1,329$721$280
45 years$6,777$3,990$2,250$1,228$654$248
46 years$6,555$3,806$2,113$1,134$594$219
47 years$6,343$3,632$1,985$1,048$540$194
48 years$6,140$3,467$1,866$968$490$172
49 years$5,946$3,311$1,754$895$445$152
50 years$5,760$3,163$1,649$827$404$134

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 $2,327 every year, while hoping to spend $38,487 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: 86/6/8 Blend
34$5,900,000$5,900,000$5,900,000$5,900,000
35$6,504,200$6,191,500$6,100,050$7,057,982
36$7,126,679$6,453,934$6,263,452$7,681,991
37$7,811,360$6,727,937$6,431,038$8,362,100
38$8,564,549$7,014,035$6,602,907$9,108,253
39$9,393,190$7,312,780$6,779,162$9,927,076
40$10,304,937$7,624,748$6,959,905$10,825,868
41$11,308,221$7,950,542$7,145,243$11,812,667
42$12,412,335$8,290,793$7,335,284$12,896,326
43$13,627,514$8,646,164$7,530,137$14,086,598
44$14,965,039$9,017,344$7,729,915$15,394,227
45$16,437,339$9,405,059$7,934,733$16,831,046
46$18,058,107$9,810,067$8,144,706$18,410,091
47$19,842,435$10,233,162$8,359,955$20,145,725
48$21,806,950$10,675,173$8,580,600$22,053,768
49$23,969,975$11,136,972$8,806,766$24,151,649
50$26,351,697$11,619,468$9,038,577$26,458,569
51$28,974,363$12,123,616$9,276,163$28,995,683
52$31,862,488$12,650,412$9,519,654$31,786,297
53$35,043,082$13,200,903$9,769,183$34,856,087
54$38,545,912$13,776,183$10,024,886$38,233,342
55$42,403,776$14,377,397$10,286,901$41,949,231
56$46,652,817$15,005,745$10,555,368$46,038,094
57$51,332,862$15,662,484$10,830,430$50,537,767
58$56,487,797$16,348,929$11,112,232$55,489,938
59$62,165,983$17,066,457$11,400,923$60,940,537
60$68,420,712$17,816,512$11,696,653$66,940,173
61$75,310,708$18,600,605$11,999,574$73,544,610
62$82,900,682$19,420,317$12,309,842$80,815,288
63$91,261,945$20,277,306$12,627,615$88,819,906
64$100,473,077$21,173,307$12,953,053$97,633,059
65$110,620,670$22,110,138$13,286,320$107,336,942
66$121,800,147$23,089,703$13,627,580$118,022,121
67$134,116,659$24,113,996$13,977,001$129,788,391
68$147,686,082$25,185,106$14,334,755$142,745,714
69$162,636,107$26,305,220$14,701,013$157,015,258
70$179,107,444$27,476,631$15,075,952$172,730,537
71$197,255,155$28,701,737$15,459,748$190,038,672
72$217,250,113$29,983,055$15,852,582$209,101,776
73$239,280,618$31,323,217$16,254,636$230,098,485
74$263,554,170$32,724,984$16,666,095$253,225,642
75$290,299,432$34,191,245$17,087,147$278,700,152
76$319,768,388$35,725,030$17,517,980$306,761,032
77$352,238,717$37,329,510$17,958,785$337,671,661
78$388,016,419$39,008,009$18,409,758$371,722,265
79$427,438,702$40,764,009$18,871,092$409,232,659
80$470,877,162$42,601,158$19,342,987$450,555,260
81$518,741,296$44,523,279$19,825,641$496,078,413
82$571,482,364$46,534,375$20,319,255$546,230,054
83$629,597,649$48,638,643$20,824,034$601,481,751
84$693,635,151$50,840,479$21,340,181$662,353,149
85$764,198,763$53,144,489$21,867,904$729,416,875
86$841,953,967$55,555,499$22,407,409$803,303,943
87$927,634,120$58,078,567$22,958,905$884,709,705
88$1,022,047,376$60,718,992$23,522,604$974,400,416
89$1,126,084,313$63,482,327$24,098,716$1,073,220,463
90$1,240,726,343$66,374,391$24,687,453$1,182,100,333
91$1,367,054,974$69,401,281$25,289,027$1,302,065,398
92$1,506,262,025$72,569,386$25,903,652$1,434,245,584
93$1,659,660,868$75,885,404$26,531,542$1,579,886,044
94$1,828,698,838$79,356,350$27,172,910$1,740,358,904
95$2,014,970,886$82,989,577$27,827,969$1,917,176,212
96$2,220,234,644$86,792,794$28,496,933$2,112,004,215
97$2,446,427,011$90,774,074$29,180,014$2,326,679,079
98$2,695,682,446$94,941,883$29,877,424$2,563,224,221
99$2,970,353,111$99,305,091$30,589,373$2,823,869,412
100$3,273,031,082$103,872,995$31,316,071$3,111,071,816