Can I retire at age 35 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$429,411$425,586$421,854$418,212$414,655$401,704
2 years$212,580$208,621$204,784$201,063$197,455$184,522
3 years$140,312$136,336$132,509$128,823$125,274$112,764
4 years$104,185$100,221$96,432$92,810$89,346$77,357
5 years$82,515$78,575$74,835$71,287$67,919$56,483
6 years$68,073$64,162$60,478$57,009$53,742$42,867
7 years$57,761$53,883$50,258$46,870$43,707$33,393
8 years$50,031$46,188$42,622$39,318$36,259$26,500
9 years$44,021$40,215$36,711$33,490$30,535$21,320
10 years$39,217$35,447$32,005$28,869$26,018$17,332
11 years$35,288$31,557$28,177$25,125$22,376$14,205
12 years$32,017$28,324$25,006$22,038$19,391$11,717
13 years$29,251$25,596$22,341$19,456$16,909$9,714
14 years$26,882$23,266$20,074$17,271$14,822$8,087
15 years$24,831$21,254$18,124$15,403$13,051$6,755
16 years$23,038$19,500$16,432$13,791$11,534$5,659
17 years$21,458$17,959$14,953$12,391$10,227$4,751
18 years$20,054$16,595$13,650$11,167$9,093$3,996
19 years$18,800$15,380$12,496$10,090$8,105$3,367
20 years$17,673$14,292$11,468$9,139$7,240$2,840
21 years$16,655$13,312$10,548$8,294$6,479$2,399
22 years$15,730$12,427$9,722$7,541$5,807$2,028
23 years$14,887$11,622$8,976$6,868$5,213$1,715
24 years$14,115$10,889$8,302$6,264$4,686$1,452
25 years$13,406$10,219$7,689$5,721$4,216$1,230
26 years$12,753$9,604$7,131$5,231$3,798$1,042
27 years$12,149$9,039$6,622$4,788$3,424$884
28 years$11,590$8,517$6,156$4,387$3,090$749
29 years$11,070$8,035$5,729$4,023$2,790$636
30 years$10,585$7,588$5,336$3,692$2,521$539
31 years$10,133$7,173$4,975$3,391$2,279$458
32 years$9,709$6,787$4,641$3,116$2,062$389
33 years$9,312$6,428$4,334$2,865$1,866$330
34 years$8,940$6,092$4,049$2,636$1,689$280
35 years$8,589$5,778$3,786$2,427$1,530$238
36 years$8,259$5,484$3,541$2,235$1,386$202
37 years$7,947$5,209$3,315$2,059$1,256$171
38 years$7,652$4,950$3,104$1,898$1,139$146
39 years$7,373$4,707$2,908$1,750$1,033$124
40 years$7,109$4,479$2,726$1,614$937$105
41 years$6,859$4,263$2,556$1,489$850$89
42 years$6,620$4,060$2,398$1,375$771$76
43 years$6,394$3,869$2,250$1,269$700$64
44 years$6,178$3,688$2,112$1,172$635$55
45 years$5,973$3,516$1,983$1,082$577$46
46 years$5,777$3,354$1,862$999$524$39
47 years$5,590$3,201$1,750$923$476$34
48 years$5,411$3,056$1,644$853$432$28
49 years$5,241$2,918$1,545$789$392$24
50 years$5,077$2,788$1,453$729$356$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,200,000, adding $6,736 every year, while hoping to spend $59,393 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: 65/10/25 Blend
34$5,200,000$5,200,000$5,200,000$5,200,000
35$5,737,348$5,461,748$5,381,148$6,072,401
36$6,259,364$5,666,180$5,498,223$6,503,597
37$6,832,635$5,878,639$5,617,229$6,967,424
38$7,462,326$6,099,454$5,738,169$7,473,047
39$8,154,128$6,328,972$5,861,042$8,024,576
40$8,914,308$6,567,551$5,985,846$8,626,541
41$9,749,774$6,815,568$6,112,578$9,283,926
42$10,668,133$7,073,412$6,241,232$10,002,220
43$11,677,766$7,341,493$6,371,797$10,787,467
44$12,787,909$7,620,237$6,504,263$11,646,326
45$14,008,735$7,910,088$6,638,615$12,586,125
46$15,351,454$8,211,511$6,774,837$13,614,940
47$16,828,416$8,524,988$6,912,907$14,741,661
48$18,453,228$8,851,026$7,052,803$15,976,084
49$20,240,883$9,190,152$7,194,498$17,328,996
50$22,207,900$9,542,916$7,337,960$18,812,279
51$24,372,479$9,909,893$7,483,155$20,439,022
52$26,754,676$10,291,681$7,630,045$22,223,644
53$29,376,587$10,688,908$7,778,585$24,182,028
54$32,262,561$11,102,226$7,928,730$26,331,669
55$35,439,425$11,532,318$8,080,425$28,691,845
56$38,936,740$11,979,896$8,233,614$31,283,789
57$42,787,081$12,445,704$8,388,233$34,130,895
58$47,026,338$12,930,518$8,544,213$37,258,938
59$51,694,062$13,435,150$8,701,481$40,696,311
60$56,833,830$13,960,447$8,859,955$44,474,300
61$62,493,665$14,507,293$9,019,548$48,627,372
62$68,726,480$15,076,612$9,180,165$53,193,503
63$75,590,585$15,669,370$9,341,703$58,214,533
64$83,150,229$16,286,573$9,504,055$63,736,564
65$91,476,213$16,929,276$9,667,101$69,810,391
66$100,646,554$17,598,578$9,830,717$76,491,979
67$110,747,223$18,295,628$9,994,766$83,842,997
68$121,872,953$19,021,628$10,159,104$91,931,390
69$134,128,138$19,777,831$10,323,578$100,832,028
70$147,627,812$20,565,549$10,488,022$110,627,405
71$162,498,739$21,386,151$10,652,261$121,408,421
72$178,880,606$22,241,068$10,816,107$133,275,237
73$196,927,345$23,131,797$10,979,363$146,338,218
74$216,808,579$24,059,901$11,141,817$160,718,977
75$238,711,231$25,027,013$11,303,245$176,551,520
76$262,841,281$26,034,840$11,463,408$193,983,509
77$289,425,713$27,085,169$11,622,054$213,177,655
78$318,714,658$28,179,865$11,778,915$234,313,254
79$350,983,752$29,320,877$11,933,708$257,587,876
80$386,536,741$30,510,246$12,086,132$283,219,230
81$425,708,342$31,750,101$12,235,871$311,447,217
82$468,867,409$33,042,673$12,382,590$342,536,196
83$516,420,412$34,390,290$12,525,933$376,777,473
84$568,815,268$35,795,390$12,665,527$414,492,052
85$626,545,580$37,260,518$12,800,976$456,033,664
86$690,155,285$38,788,339$12,931,864$501,792,106
87$760,243,794$40,381,638$13,057,752$552,196,916
88$837,471,650$42,043,327$13,178,176$607,721,425
89$922,566,762$43,776,454$13,292,648$668,887,231
90$1,016,331,275$45,584,203$13,400,655$736,269,110
91$1,119,649,144$47,469,907$13,501,655$810,500,451
92$1,233,494,475$49,437,052$13,595,080$892,279,226
93$1,358,940,725$51,489,281$13,680,329$982,374,580
94$1,497,170,833$53,630,409$13,756,773$1,081,634,089
95$1,649,488,382$55,864,424$13,823,750$1,190,991,760
96$1,817,329,915$58,195,499$13,880,563$1,311,476,847
97$2,002,278,487$60,627,998$13,926,482$1,444,223,560
98$2,206,078,611$63,166,489$13,960,739$1,590,481,779
99$2,430,652,732$65,815,749$13,982,525$1,751,628,841
100$2,678,119,367$68,580,777$13,990,996$1,929,182,550