Can I retire at age 35 with 5,400,000?

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 $5,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$445,927$441,955$438,080$434,297$430,604$415,822
2 years$220,756$216,645$212,660$208,797$205,049$190,307
3 years$145,709$141,580$137,605$133,778$130,092$115,853
4 years$108,192$104,076$100,141$96,380$92,783$79,155
5 years$85,689$81,597$77,714$74,029$70,532$57,553
6 years$70,691$66,630$62,804$59,201$55,809$43,488
7 years$59,983$55,956$52,191$48,673$45,388$33,723
8 years$51,955$47,964$44,262$40,830$37,654$26,635
9 years$45,714$41,762$38,123$34,778$31,710$21,324
10 years$40,725$36,811$33,236$29,979$27,018$17,249
11 years$36,645$32,771$29,261$26,091$23,237$14,064
12 years$33,248$29,413$25,968$22,885$20,136$11,539
13 years$30,376$26,581$23,201$20,204$17,559$9,514
14 years$27,916$24,161$20,846$17,935$15,392$7,877
15 years$25,786$22,072$18,821$15,995$13,553$6,543
16 years$23,924$20,250$17,064$14,322$11,978$5,449
17 years$22,283$18,650$15,528$12,868$10,620$4,548
18 years$20,826$17,233$14,175$11,597$9,443$3,803
19 years$19,523$15,972$12,976$10,479$8,417$3,185
20 years$18,353$14,842$11,909$9,490$7,518$2,670
21 years$17,295$13,824$10,954$8,613$6,728$2,241
22 years$16,335$12,905$10,096$7,831$6,031$1,883
23 years$15,459$12,069$9,322$7,132$5,413$1,583
24 years$14,658$11,308$8,621$6,505$4,866$1,331
25 years$13,922$10,612$7,985$5,941$4,378$1,120
26 years$13,244$9,974$7,405$5,432$3,944$943
27 years$12,617$9,386$6,877$4,972$3,556$795
28 years$12,035$8,845$6,393$4,555$3,208$669
29 years$11,495$8,344$5,949$4,177$2,897$564
30 years$10,992$7,880$5,541$3,834$2,618$476
31 years$10,522$7,449$5,166$3,521$2,367$401
32 years$10,083$7,049$4,820$3,236$2,141$338
33 years$9,671$6,675$4,500$2,976$1,937$285
34 years$9,284$6,326$4,205$2,738$1,754$240
35 years$8,920$6,001$3,931$2,520$1,589$203
36 years$8,576$5,695$3,678$2,321$1,440$171
37 years$8,253$5,409$3,442$2,139$1,305$144
38 years$7,947$5,141$3,223$1,971$1,183$122
39 years$7,657$4,888$3,020$1,818$1,073$103
40 years$7,383$4,651$2,831$1,676$973$87
41 years$7,122$4,427$2,654$1,547$883$73
42 years$6,875$4,216$2,490$1,427$801$62
43 years$6,640$4,017$2,336$1,318$727$52
44 years$6,416$3,829$2,193$1,217$660$44
45 years$6,203$3,652$2,059$1,124$599$37
46 years$5,999$3,484$1,934$1,038$544$31
47 years$5,805$3,324$1,817$959$494$26
48 years$5,619$3,174$1,707$886$448$22
49 years$5,442$3,031$1,605$819$407$19
50 years$5,272$2,895$1,509$757$370$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,400,000, adding $4,116 every year, while hoping to spend $56,337 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: 70/14/16 Blend
34$5,400,000$5,400,000$5,400,000$5,400,000
35$5,955,046$5,668,846$5,585,146$6,349,454
36$6,502,518$5,886,677$5,712,306$6,830,159
37$7,103,945$6,113,294$5,841,838$7,348,958
38$7,764,769$6,349,067$5,973,761$7,915,321
39$8,490,989$6,594,385$6,108,095$8,533,936
40$9,289,210$6,849,650$6,244,857$9,209,960
41$10,166,713$7,115,286$6,384,063$9,949,075
42$11,131,516$7,391,734$6,525,728$10,757,533
43$12,192,454$7,679,452$6,669,864$11,642,220
44$13,359,263$7,978,923$6,816,482$12,610,717
45$14,642,665$8,290,649$6,965,592$13,671,373
46$16,054,479$8,615,152$7,117,201$14,833,382
47$17,607,723$8,952,982$7,271,315$16,106,867
48$19,316,742$9,304,709$7,427,935$17,502,980
49$21,197,342$9,670,932$7,587,063$19,034,001
50$23,266,937$10,052,274$7,748,695$20,713,454
51$25,544,715$10,449,386$7,912,828$22,556,237
52$28,051,821$10,862,951$8,079,452$24,578,758
53$30,811,550$11,293,678$8,248,557$26,799,093
54$33,849,572$11,742,313$8,420,127$29,237,148
55$37,194,172$12,209,630$8,594,146$31,914,855
56$40,876,519$12,696,443$8,770,591$34,856,371
57$44,930,953$13,203,598$8,949,435$38,088,310
58$49,395,318$13,731,983$9,130,649$41,639,988
59$54,311,313$14,282,522$9,314,198$45,543,703
60$59,724,886$14,856,185$9,500,043$49,835,035
61$65,686,669$15,453,982$9,688,139$54,553,183
62$72,252,454$16,076,972$9,878,436$59,741,331
63$79,483,719$16,726,259$10,070,879$65,447,060
64$87,448,212$17,402,999$10,265,406$71,722,788
65$96,220,583$18,108,399$10,461,951$78,626,267
66$105,883,095$18,843,723$10,660,438$86,221,128
67$116,526,395$19,610,289$10,860,787$94,577,477
68$128,250,373$20,409,480$11,062,910$103,772,559
69$141,165,103$21,242,736$11,266,709$113,891,480
70$155,391,881$22,111,568$11,472,082$125,028,013
71$171,064,370$23,017,552$11,678,914$137,285,479
72$188,329,863$23,962,339$11,887,084$150,777,722
73$207,350,669$24,947,654$12,096,462$165,630,180
74$228,305,649$25,975,300$12,306,905$181,981,068
75$251,391,901$27,047,166$12,518,262$199,982,680
76$276,826,622$28,165,224$12,730,371$219,802,825
77$304,849,155$29,331,538$12,943,056$241,626,408
78$335,723,253$30,548,267$13,156,133$265,657,174
79$369,739,563$31,817,670$13,369,401$292,119,627
80$407,218,371$33,142,109$13,582,649$321,261,148
81$448,512,627$34,524,054$13,795,649$353,354,329
82$494,011,274$35,966,091$14,008,162$388,699,541
83$544,142,918$37,470,925$14,219,930$427,627,767
84$599,379,879$39,041,383$14,430,681$470,503,725
85$660,242,643$40,680,428$14,640,126$517,729,304
86$727,304,779$42,391,154$14,847,956$569,747,361
87$801,198,350$44,176,805$15,053,846$627,045,893
88$882,619,882$46,040,769$15,257,450$690,162,641
89$972,336,939$47,986,595$15,458,404$759,690,164
90$1,071,195,365$50,017,997$15,656,319$836,281,430
91$1,180,127,273$52,138,859$15,850,786$920,655,973
92$1,300,159,839$54,353,248$16,041,372$1,013,606,685
93$1,432,425,004$56,665,418$16,227,619$1,116,007,293
94$1,578,170,155$59,079,824$16,409,045$1,228,820,608
95$1,738,769,902$61,601,127$16,585,139$1,353,107,604
96$1,915,739,055$64,234,205$16,755,364$1,490,037,435
97$2,110,746,922$66,984,164$16,919,152$1,640,898,462
98$2,325,633,070$69,856,350$17,075,905$1,807,110,413
99$2,562,424,688$72,856,357$17,224,993$1,990,237,781
100$2,823,355,729$75,990,040$17,365,753$2,192,004,589