Can I retire at age 35 with 5,300,000?

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 $5,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$437,669$433,771$429,967$426,254$422,629$419,614
2 years$216,668$212,633$208,722$204,930$201,252$198,212
3 years$143,010$138,958$135,057$131,301$127,683$124,711
4 years$106,189$102,149$98,287$94,595$91,064$88,185
5 years$84,102$80,086$76,275$72,658$69,226$66,446
6 years$69,382$65,396$61,641$58,105$54,776$52,100
7 years$58,872$54,920$51,224$47,771$44,547$41,977
8 years$50,993$47,076$43,442$40,074$36,956$34,491
9 years$44,868$40,988$37,417$34,134$31,123$28,762
10 years$39,971$36,129$32,621$29,424$26,518$24,261
11 years$35,967$32,164$28,719$25,608$22,806$20,650
12 years$32,632$28,868$25,487$22,461$19,764$17,707
13 years$29,813$26,089$22,771$19,830$17,234$15,275
14 years$27,399$23,714$20,460$17,603$15,107$13,244
15 years$25,308$21,663$18,473$15,699$13,302$11,531
16 years$23,481$19,875$16,748$14,057$11,756$10,075
17 years$21,870$18,304$15,240$12,630$10,424$8,830
18 years$20,440$16,914$13,912$11,382$9,268$7,759
19 years$19,162$15,676$12,736$10,285$8,261$6,833
20 years$18,013$14,567$11,688$9,315$7,379$6,029
21 years$16,975$13,568$10,751$8,454$6,603$5,329
22 years$16,032$12,666$9,909$7,686$5,919$4,718
23 years$15,173$11,846$9,149$7,000$5,313$4,181
24 years$14,387$11,099$8,461$6,384$4,776$3,710
25 years$13,664$10,416$7,837$5,831$4,297$3,296
26 years$12,998$9,789$7,268$5,331$3,871$2,930
27 years$12,383$9,213$6,749$4,880$3,490$2,607
28 years$11,813$8,681$6,274$4,471$3,149$2,321
29 years$11,282$8,190$5,839$4,100$2,843$2,067
30 years$10,789$7,734$5,439$3,763$2,569$1,843
31 years$10,327$7,311$5,070$3,456$2,323$1,643
32 years$9,896$6,918$4,731$3,176$2,101$1,466
33 years$9,492$6,551$4,417$2,921$1,902$1,308
34 years$9,112$6,209$4,127$2,687$1,722$1,168
35 years$8,754$5,889$3,858$2,474$1,559$1,043
36 years$8,418$5,590$3,610$2,278$1,413$932
37 years$8,100$5,309$3,378$2,099$1,281$832
38 years$7,800$5,046$3,164$1,935$1,161$744
39 years$7,515$4,798$2,964$1,784$1,053$665
40 years$7,246$4,565$2,778$1,645$955$594
41 years$6,990$4,345$2,605$1,518$866$532
42 years$6,748$4,138$2,444$1,401$786$475
43 years$6,517$3,943$2,293$1,293$713$425
44 years$6,297$3,758$2,152$1,194$648$380
45 years$6,088$3,584$2,021$1,103$588$340
46 years$5,888$3,419$1,898$1,019$534$304
47 years$5,698$3,263$1,783$941$485$272
48 years$5,515$3,115$1,676$870$440$244
49 years$5,341$2,974$1,575$804$400$218
50 years$5,175$2,841$1,481$743$363$195

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,300,000, adding $2,128 every year, while hoping to spend $39,872 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: 51/27/22 Blend
34$5,300,000$5,300,000$5,300,000$5,300,000
35$5,842,795$5,561,895$5,479,745$6,104,833
36$6,396,337$5,792,004$5,620,893$6,516,442
37$7,005,003$6,032,053$5,765,433$6,959,475
38$7,674,375$6,282,485$5,913,437$7,440,357
39$8,410,601$6,543,767$6,064,977$7,962,692
40$9,220,456$6,816,385$6,220,127$8,530,443
41$10,111,403$7,100,848$6,378,961$9,147,966
42$11,091,666$7,397,689$6,541,556$9,820,050
43$12,170,306$7,707,466$6,707,989$10,551,964
44$13,357,307$8,030,762$6,878,336$11,349,502
45$14,663,669$8,368,186$7,052,678$12,219,037
46$16,101,514$8,720,378$7,231,093$13,167,580
47$17,684,197$9,088,005$7,413,663$14,202,846
48$19,426,434$9,471,766$7,600,470$15,333,321
49$21,344,440$9,872,392$7,791,595$16,568,345
50$23,456,083$10,290,649$7,987,123$17,918,196
51$25,781,050$10,727,338$8,187,139$19,394,185
52$28,341,036$11,183,297$8,391,727$21,008,762
53$31,159,946$11,659,402$8,600,974$22,775,629
54$34,264,121$12,156,573$8,814,967$24,709,870
55$37,682,585$12,675,770$9,033,793$26,828,092
56$41,447,325$13,217,998$9,257,540$29,148,575
57$45,593,583$13,784,311$9,486,299$31,691,444
58$50,160,196$14,375,810$9,720,157$34,478,861
59$55,189,959$14,993,648$9,959,206$37,535,224
60$60,730,032$15,639,033$10,203,536$40,887,399
61$66,832,379$16,313,230$10,453,238$44,564,972
62$73,554,263$17,017,560$10,708,404$48,600,520
63$80,958,787$17,753,409$10,969,124$53,029,923
64$89,115,484$18,522,227$11,235,491$57,892,690
65$98,100,981$19,325,533$11,507,597$63,232,339
66$107,999,713$20,164,916$11,785,533$69,096,796
67$118,904,727$21,042,041$12,069,392$75,538,847
68$130,918,557$21,958,649$12,359,265$82,616,633
69$144,154,193$22,916,566$12,655,244$90,394,195
70$158,736,145$23,917,702$12,957,419$98,942,071
71$174,801,621$24,964,058$13,265,881$108,337,962
72$192,501,818$26,057,729$13,580,719$118,667,459
73$212,003,353$27,200,908$13,902,024$130,024,846
74$233,489,836$28,395,892$14,229,882$142,513,986
75$257,163,597$29,645,089$14,564,381$156,249,293
76$283,247,602$30,951,016$14,905,606$171,356,813
77$311,987,555$32,316,314$15,253,641$187,975,403
78$343,654,218$33,743,745$15,608,570$206,258,039
79$378,545,964$35,236,205$15,970,473$226,373,250
80$416,991,597$36,796,723$16,339,429$248,506,708
81$459,353,453$38,428,477$16,715,513$272,862,970
82$506,030,824$40,134,791$17,098,802$299,667,406
83$557,463,721$41,919,148$17,489,364$329,168,313
84$614,137,033$43,785,199$17,887,270$361,639,257
85$676,585,101$45,736,764$18,292,584$397,381,649
86$745,396,764$47,777,848$18,705,369$436,727,574
87$821,220,915$49,912,645$19,125,680$480,042,926
88$904,772,632$52,145,547$19,553,573$527,730,849
89$996,839,919$54,481,158$19,989,097$580,235,532
90$1,098,291,155$56,924,299$20,432,296$638,046,399
91$1,210,083,285$59,480,021$20,883,210$701,702,711
92$1,333,270,854$62,153,616$21,341,871$771,798,651
93$1,469,015,966$64,950,628$21,808,309$848,988,922
94$1,618,599,251$67,876,866$22,282,544$933,994,913
95$1,783,431,956$70,938,414$22,764,591$1,027,611,502
96$1,965,069,269$74,141,649$23,254,458$1,130,714,543
97$2,165,224,995$77,493,251$23,752,143$1,244,269,121
98$2,385,787,744$81,000,220$24,257,639$1,369,338,654
99$2,628,838,751$84,669,888$24,770,928$1,507,094,911
100$2,896,671,532$88,509,941$25,291,982$1,658,829,066