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

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 $5,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$412,895$409,217$405,629$402,127$398,707$389,068
2 years$204,404$200,597$196,907$193,330$189,860$180,208
3 years$134,915$131,092$127,412$123,869$120,455$111,090
4 years$100,178$96,367$92,723$89,240$85,910$76,904
5 years$79,341$75,553$71,957$68,545$65,307$56,686
6 years$65,455$61,694$58,152$54,816$51,675$43,448
7 years$55,539$51,811$48,325$45,067$42,026$34,193
8 years$48,106$44,411$40,983$37,806$34,865$27,423
9 years$42,328$38,668$35,299$32,202$29,361$22,304
10 years$37,708$34,084$30,774$27,759$25,017$18,337
11 years$33,931$30,343$27,093$24,158$21,515$15,203
12 years$30,785$27,234$24,044$21,190$18,645$12,690
13 years$28,126$24,612$21,482$18,708$16,259$10,649
14 years$25,848$22,371$19,302$16,607$14,252$8,976
15 years$23,876$20,437$17,427$14,810$12,549$7,594
16 years$22,152$18,750$15,800$13,261$11,091$6,443
17 years$20,632$17,268$14,377$11,915$9,834$5,481
18 years$19,283$15,957$13,125$10,738$8,744$4,672
19 years$18,077$14,789$12,015$9,702$7,793$3,990
20 years$16,993$13,742$11,027$8,787$6,961$3,413
21 years$16,014$12,800$10,143$7,975$6,230$2,922
22 years$15,125$11,949$9,348$7,251$5,584$2,505
23 years$14,314$11,175$8,631$6,604$5,012$2,150
24 years$13,572$10,471$7,982$6,023$4,505$1,846
25 years$12,891$9,826$7,393$5,501$4,054$1,586
26 years$12,263$9,235$6,857$5,029$3,652$1,364
27 years$11,682$8,691$6,367$4,604$3,292$1,173
28 years$11,144$8,190$5,919$4,218$2,971$1,010
29 years$10,644$7,726$5,508$3,868$2,683$869
30 years$10,178$7,296$5,131$3,550$2,424$748
31 years$9,743$6,898$4,783$3,260$2,191$645
32 years$9,336$6,526$4,463$2,996$1,982$555
33 years$8,954$6,181$4,167$2,755$1,794$479
34 years$8,596$5,858$3,893$2,535$1,624$413
35 years$8,259$5,556$3,640$2,334$1,471$356
36 years$7,941$5,274$3,405$2,149$1,333$307
37 years$7,641$5,009$3,187$1,980$1,208$264
38 years$7,358$4,760$2,985$1,825$1,095$228
39 years$7,090$4,526$2,796$1,683$993$197
40 years$6,836$4,306$2,621$1,552$901$170
41 years$6,595$4,099$2,458$1,432$817$146
42 years$6,366$3,904$2,305$1,322$742$126
43 years$6,148$3,720$2,163$1,220$673$109
44 years$5,941$3,546$2,031$1,127$611$94
45 years$5,743$3,381$1,907$1,040$555$81
46 years$5,555$3,225$1,791$961$504$70
47 years$5,375$3,078$1,682$888$457$60
48 years$5,203$2,938$1,581$820$415$52
49 years$5,039$2,806$1,486$758$377$45
50 years$4,882$2,680$1,397$701$343$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,000,000, adding $3,335 every year, while hoping to spend $46,684 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: 52/22/26 Blend
34$5,000,000$5,000,000$5,000,000$5,000,000
35$5,513,440$5,248,440$5,170,940$5,759,890
36$6,026,140$5,455,942$5,294,495$6,138,628
37$6,589,570$5,672,047$5,420,625$6,545,374
38$7,208,856$5,897,128$5,549,366$6,986,905
39$7,889,644$6,131,572$5,680,755$7,466,556
40$8,638,156$6,375,787$5,814,828$7,987,994
41$9,461,245$6,630,197$5,951,621$8,555,256
42$10,366,461$6,895,247$6,091,170$9,172,780
43$11,362,125$7,171,399$6,233,509$9,845,450
44$12,457,403$7,459,138$6,378,673$10,578,640
45$13,662,394$7,758,972$6,526,694$11,378,264
46$14,988,225$8,071,428$6,677,605$12,250,829
47$16,447,158$8,397,062$6,831,439$13,203,497
48$18,052,701$8,736,451$6,988,225$14,244,151
49$19,819,739$9,090,200$7,147,993$15,381,468
50$21,764,673$9,458,941$7,310,772$16,625,002
51$23,905,576$9,843,335$7,476,589$17,985,267
52$26,262,359$10,244,072$7,645,469$19,473,840
53$28,856,963$10,661,876$7,817,436$21,103,469
54$31,713,567$11,097,501$7,992,514$22,888,188
55$34,858,810$11,551,738$8,170,722$24,843,452
56$38,322,047$12,025,412$8,352,080$26,986,277
57$42,135,625$12,519,386$8,536,603$29,335,403
58$46,335,187$13,034,564$8,724,308$31,911,468
59$50,960,008$13,571,890$8,915,204$34,737,201
60$56,053,369$14,132,352$9,109,303$37,837,631
61$61,662,958$14,716,983$9,306,610$41,240,329
62$67,841,328$15,326,863$9,507,130$44,975,658
63$74,646,387$15,963,123$9,710,863$49,077,065
64$82,141,948$16,626,946$9,917,806$53,581,387
65$90,398,327$17,319,566$10,127,953$58,529,205
66$99,493,010$18,042,279$10,341,294$63,965,216
67$109,511,384$18,796,438$10,557,814$69,938,658
68$120,547,540$19,583,458$10,777,495$76,503,773
69$132,705,163$20,404,821$11,000,315$83,720,311
70$146,098,509$21,262,077$11,226,245$91,654,097
71$160,853,485$22,156,847$11,455,252$100,377,646
72$177,108,836$23,090,828$11,687,299$109,970,846
73$195,017,454$24,065,795$11,922,340$120,521,708
74$214,747,822$25,083,606$12,160,326$132,127,195
75$236,485,602$26,146,206$12,401,199$144,894,133
76$260,435,392$27,255,628$12,644,898$158,940,218
77$286,822,650$28,414,002$12,891,350$174,395,119
78$315,895,829$29,623,557$13,140,479$191,401,702
79$347,928,716$30,886,623$13,392,197$210,117,374
80$383,223,019$32,205,642$13,646,410$230,715,566
81$422,111,218$33,583,169$13,903,015$253,387,361
82$464,959,695$35,021,877$14,161,899$278,343,300
83$512,172,200$36,524,566$14,422,940$305,815,362
84$564,193,660$38,094,165$14,686,003$336,059,146
85$621,514,375$39,733,741$14,950,946$369,356,286
86$684,674,651$41,446,504$15,217,613$406,017,097
87$754,269,899$43,235,816$15,485,836$446,383,504
88$830,956,252$45,105,195$15,755,435$490,832,263
89$915,456,765$47,058,324$16,026,217$539,778,511
90$1,008,568,233$49,099,060$16,297,974$593,679,679
91$1,111,168,720$51,231,441$16,570,483$653,039,805
92$1,224,225,842$53,459,694$16,843,507$718,414,283
93$1,348,805,905$55,788,246$17,116,791$790,415,105
94$1,486,083,969$58,221,732$17,390,065$869,716,622
95$1,637,354,941$60,765,004$17,663,039$957,061,913
96$1,804,045,799$63,423,143$17,935,406$1,053,269,783
97$1,987,729,066$66,201,473$18,206,837$1,159,242,491
98$2,190,137,650$69,105,564$18,476,985$1,275,974,256
99$2,413,181,206$72,141,253$18,745,480$1,404,560,635
100$2,658,964,165$75,314,650$19,011,930$1,546,208,857