Can I retire at age 35 with 5,100,000?

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 $5,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$421,153$417,402$413,742$410,169$406,681$399,451
2 years$208,492$204,609$200,846$197,197$193,658$186,398
3 years$137,614$133,714$129,960$126,346$122,864$115,801
4 years$102,182$98,294$94,578$91,025$87,628$80,816
5 years$80,928$77,064$73,396$69,916$66,613$60,072
6 years$66,764$62,928$59,315$55,912$52,709$46,446
7 years$56,650$52,847$49,291$45,969$42,866$36,883
8 years$49,068$45,300$41,803$38,562$35,562$29,857
9 years$43,175$39,442$36,005$32,846$29,948$24,518
10 years$38,462$34,766$31,390$28,314$25,517$20,357
11 years$34,610$30,950$27,635$24,641$21,946$17,050
12 years$31,401$27,779$24,525$21,614$19,018$14,380
13 years$28,688$25,104$21,912$19,082$16,584$12,197
14 years$26,365$22,819$19,688$16,939$14,537$10,393
15 years$24,353$20,846$17,775$15,106$12,800$8,891
16 years$22,595$19,125$16,116$13,526$11,312$7,630
17 years$21,045$17,614$14,665$12,153$10,030$6,565
18 years$19,669$16,276$13,387$10,952$8,919$5,663
19 years$18,439$15,084$12,255$9,896$7,949$4,893
20 years$17,333$14,017$11,247$8,963$7,101$4,236
21 years$16,334$13,056$10,345$8,135$6,354$3,672
22 years$15,427$12,188$9,535$7,396$5,696$3,187
23 years$14,601$11,399$8,804$6,736$5,113$2,769
24 years$13,844$10,680$8,142$6,144$4,595$2,408
25 years$13,149$10,023$7,541$5,611$4,135$2,096
26 years$12,508$9,420$6,994$5,130$3,725$1,825
27 years$11,916$8,865$6,495$4,696$3,358$1,590
28 years$11,367$8,353$6,038$4,302$3,030$1,387
29 years$10,857$7,881$5,618$3,945$2,736$1,209
30 years$10,381$7,442$5,233$3,621$2,472$1,055
31 years$9,938$7,035$4,879$3,325$2,235$921
32 years$9,523$6,657$4,552$3,056$2,022$804
33 years$9,133$6,304$4,250$2,810$1,830$702
34 years$8,768$5,975$3,971$2,586$1,657$614
35 years$8,424$5,667$3,713$2,380$1,501$536
36 years$8,100$5,379$3,473$2,192$1,360$468
37 years$7,794$5,109$3,251$2,020$1,232$409
38 years$7,505$4,855$3,044$1,862$1,117$358
39 years$7,232$4,617$2,852$1,717$1,013$313
40 years$6,973$4,393$2,673$1,583$919$274
41 years$6,727$4,181$2,507$1,461$834$239
42 years$6,493$3,982$2,351$1,348$756$209
43 years$6,271$3,794$2,207$1,245$686$183
44 years$6,060$3,617$2,071$1,149$623$160
45 years$5,858$3,449$1,945$1,061$566$140
46 years$5,666$3,290$1,827$980$514$122
47 years$5,483$3,140$1,716$906$466$107
48 years$5,307$2,997$1,613$837$424$94
49 years$5,140$2,862$1,516$773$385$82
50 years$4,979$2,734$1,425$715$349$72

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,100,000, adding $6,794 every year, while hoping to spend $44,376 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: 26/49/25 Blend
34$5,100,000$5,100,000$5,100,000$5,100,000
35$5,627,208$5,356,908$5,277,858$5,729,066
36$6,153,968$5,572,181$5,407,451$6,027,323
37$6,732,969$5,796,515$5,539,897$6,342,837
38$7,369,495$6,030,307$5,675,247$6,680,447
39$8,069,364$6,273,972$5,813,548$7,042,046
40$8,838,987$6,527,945$5,954,850$7,429,708
41$9,685,428$6,792,678$6,099,201$7,845,702
42$10,616,469$7,068,647$6,246,652$8,292,515
43$11,640,685$7,356,347$6,397,251$8,772,870
44$12,767,523$7,656,296$6,551,047$9,289,755
45$14,007,392$7,969,037$6,708,089$9,846,442
46$15,371,762$8,295,135$6,868,426$10,446,522
47$16,873,270$8,635,185$7,032,106$11,093,933
48$18,525,839$8,989,804$7,199,177$11,792,995
49$20,344,812$9,359,643$7,369,688$12,548,451
50$22,347,095$9,745,377$7,543,684$13,365,504
51$24,551,315$10,147,717$7,721,214$14,249,868
52$26,977,997$10,567,403$7,902,322$15,207,817
53$29,649,757$11,005,210$8,087,055$16,246,242
54$32,591,518$11,461,951$8,275,456$17,372,710
55$35,830,738$11,938,472$8,467,570$18,595,539
56$39,397,678$12,435,662$8,663,438$19,923,865
57$43,325,681$12,954,448$8,863,102$21,367,729
58$47,651,487$13,495,803$9,066,603$22,938,168
59$52,415,582$14,060,741$9,273,978$24,647,314
60$57,662,580$14,650,326$9,485,265$26,508,507
61$63,441,642$15,265,670$9,700,499$28,536,412
62$69,806,937$15,907,936$9,919,714$30,747,158
63$76,818,162$16,578,343$10,142,942$33,158,482
64$84,541,096$17,278,163$10,370,212$35,789,895
65$93,048,225$18,008,729$10,601,551$38,662,857
66$102,419,425$18,771,438$10,836,984$41,800,978
67$112,742,716$19,567,748$11,076,532$45,230,234
68$124,115,092$20,399,188$11,320,216$48,979,207
69$136,643,439$21,267,355$11,568,050$53,079,346
70$150,445,538$22,173,924$11,820,048$57,565,263
71$165,651,182$23,120,645$12,076,219$62,475,048
72$182,403,398$24,109,352$12,336,568$67,850,625
73$200,859,798$25,141,964$12,601,096$73,738,140
74$221,194,065$26,220,487$12,869,800$80,188,389
75$243,597,594$27,347,026$13,142,673$87,257,288
76$268,281,297$28,523,779$13,419,701$95,006,396
77$295,477,596$29,753,050$13,700,868$103,503,487
78$325,442,613$31,037,252$13,986,149$112,823,178
79$358,458,590$32,378,908$14,275,516$123,047,628
80$394,836,553$33,780,662$14,568,933$134,267,301
81$434,919,247$35,245,279$14,866,357$146,581,813
82$479,084,371$36,775,658$15,167,740$160,100,858
83$527,748,142$38,374,831$15,473,026$174,945,236
84$581,369,230$40,045,975$15,782,149$191,247,980
85$640,453,078$41,792,414$16,095,037$209,155,602
86$705,556,680$43,617,631$16,411,609$228,829,461
87$777,293,837$45,525,270$16,731,774$250,447,272
88$856,340,951$47,519,151$17,055,431$274,204,777
89$943,443,410$49,603,272$17,382,470$300,317,571
90$1,039,422,623$51,781,818$17,712,768$329,023,123
91$1,145,183,778$54,059,174$18,046,193$360,583,010
92$1,261,724,382$56,439,932$18,382,599$395,285,358
93$1,390,143,681$58,928,901$18,721,829$433,447,557
94$1,531,653,037$61,531,117$19,063,710$475,419,229
95$1,687,587,359$64,251,855$19,408,057$521,585,518
96$1,859,417,713$67,096,638$19,754,670$572,370,700
97$2,048,765,200$70,071,254$20,103,332$628,242,173
98$2,257,416,268$73,181,763$20,453,811$689,714,846
99$2,487,339,571$76,434,513$20,805,857$757,355,976
100$2,740,704,556$79,836,153$21,159,202$831,790,502