Can I retire at age 35 with 5,600,000?

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 $5,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$462,443$458,324$454,305$450,382$446,552$438,793
2 years$228,932$224,668$220,536$216,530$212,644$204,852
3 years$151,105$146,823$142,702$138,733$134,910$127,328
4 years$112,200$107,931$103,850$99,949$96,219$88,905
5 years$88,862$84,619$80,592$76,771$73,144$66,120
6 years$73,309$69,098$65,130$61,394$57,876$51,149
7 years$62,204$58,028$54,124$50,475$47,069$40,641
8 years$53,879$49,741$45,901$42,343$39,048$32,918
9 years$47,408$43,308$39,535$36,066$32,884$27,048
10 years$42,233$38,174$34,467$31,090$28,019$22,472
11 years$38,003$33,984$30,344$27,057$24,097$18,833
12 years$34,480$30,502$26,930$23,733$20,882$15,894
13 years$31,501$27,565$24,060$20,953$18,210$13,490
14 years$28,950$25,056$21,618$18,599$15,963$11,503
15 years$26,741$22,889$19,518$16,587$14,055$9,846
16 years$24,810$21,000$17,696$14,852$12,422$8,456
17 years$23,108$19,341$16,103$13,345$11,014$7,282
18 years$21,597$17,872$14,700$12,026$9,793$6,285
19 years$20,247$16,563$13,457$10,867$8,729$5,435
20 years$19,033$15,391$12,350$9,842$7,797$4,708
21 years$17,936$14,336$11,360$8,932$6,977$4,084
22 years$16,940$13,383$10,470$8,121$6,254$3,548
23 years$16,032$12,516$9,667$7,396$5,614$3,085
24 years$15,201$11,727$8,940$6,746$5,046$2,685
25 years$14,438$11,005$8,280$6,161$4,541$2,338
26 years$13,734$10,343$7,680$5,633$4,090$2,038
27 years$13,084$9,734$7,131$5,156$3,687$1,777
28 years$12,481$9,172$6,629$4,724$3,327$1,551
29 years$11,921$8,653$6,169$4,332$3,004$1,354
30 years$11,399$8,172$5,746$3,976$2,715$1,182
31 years$10,912$7,725$5,357$3,651$2,454$1,033
32 years$10,456$7,310$4,998$3,356$2,220$903
33 years$10,029$6,922$4,667$3,086$2,009$789
34 years$9,627$6,561$4,361$2,839$1,819$690
35 years$9,250$6,223$4,077$2,614$1,648$603
36 years$8,894$5,906$3,814$2,407$1,493$528
37 years$8,558$5,610$3,570$2,218$1,353$461
38 years$8,241$5,331$3,343$2,044$1,227$404
39 years$7,941$5,069$3,132$1,885$1,112$353
40 years$7,656$4,823$2,936$1,739$1,009$309
41 years$7,386$4,591$2,753$1,604$915$270
42 years$7,130$4,372$2,582$1,480$831$237
43 years$6,886$4,166$2,423$1,367$754$207
44 years$6,654$3,971$2,274$1,262$684$181
45 years$6,432$3,787$2,135$1,165$621$159
46 years$6,221$3,613$2,006$1,076$564$139
47 years$6,020$3,447$1,884$994$512$122
48 years$5,828$3,291$1,771$919$465$106
49 years$5,644$3,143$1,664$849$422$93
50 years$5,468$3,002$1,565$785$384$82

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,600,000, adding $5,416 every year, while hoping to spend $23,727 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: 82/10/8 Blend
34$5,600,000$5,600,000$5,600,000$5,600,000
35$6,176,787$5,879,987$5,793,187$6,676,873
36$6,781,573$6,142,861$5,962,013$7,267,729
37$7,447,253$6,417,820$6,135,700$7,912,541
38$8,180,012$6,705,433$6,314,385$8,619,710
39$8,986,667$7,006,292$6,498,210$9,395,471
40$9,874,727$7,321,020$6,687,320$10,246,688
41$10,852,469$7,650,270$6,881,865$11,180,920
42$11,929,012$7,994,725$7,081,999$12,206,493
43$13,114,405$8,355,100$7,287,880$13,332,574
44$14,419,720$8,732,145$7,499,669$14,569,262
45$15,857,158$9,126,647$7,717,534$15,927,677
46$17,440,163$9,539,427$7,941,647$17,420,070
47$19,183,550$9,971,350$8,172,183$19,059,933
48$21,103,644$10,423,318$8,409,323$20,862,127
49$23,218,434$10,896,279$8,653,254$22,843,023
50$25,547,743$11,391,225$8,904,166$25,020,653
51$28,113,413$11,909,196$9,162,256$27,414,882
52$30,939,515$12,451,281$9,427,726$30,047,590
53$34,052,574$13,018,621$9,700,783$32,942,884
54$37,481,818$13,612,415$9,981,640$36,127,318
55$41,259,454$14,233,914$10,270,516$39,630,148
56$45,420,976$14,884,433$10,567,635$43,483,602
57$50,005,494$15,565,350$10,873,230$47,723,186
58$55,056,108$16,278,105$11,187,537$52,388,017
59$60,620,312$17,024,213$11,510,800$57,521,191
60$66,750,441$17,805,256$11,843,269$63,170,189
61$73,504,169$18,622,897$12,185,202$69,387,322
62$80,945,051$19,478,876$12,536,863$76,230,226
63$89,143,122$20,375,017$12,898,523$83,762,400
64$98,175,559$21,313,231$13,270,462$92,053,809
65$108,127,409$22,295,522$13,652,966$101,181,540
66$119,092,393$23,323,991$14,046,329$111,230,526
67$131,173,789$24,400,839$14,450,853$122,294,350
68$144,485,408$25,528,372$14,866,848$134,476,124
69$159,152,666$26,709,009$15,294,635$147,889,459
70$175,313,772$27,945,285$15,734,539$162,659,539
71$193,121,028$29,239,855$16,186,897$178,924,298
72$212,742,269$30,595,504$16,652,055$196,835,718
73$234,362,449$32,015,152$17,130,366$216,561,266
74$258,185,381$33,501,857$17,622,196$238,285,469
75$284,435,668$35,058,826$18,127,918$262,211,653
76$313,360,819$36,689,421$18,647,916$288,563,863
77$345,233,586$38,397,166$19,182,585$317,588,970
78$380,354,539$40,185,755$19,732,328$349,559,002
79$419,054,903$42,059,058$20,297,563$384,773,709
80$461,699,687$44,021,136$20,878,715$423,563,389
81$508,691,127$46,076,243$21,476,223$466,292,000
82$560,472,482$48,228,839$22,090,537$513,360,595
83$617,532,224$50,483,601$22,722,119$565,211,106
84$680,408,643$52,845,430$23,371,442$622,330,507
85$749,694,933$55,319,464$24,038,994$685,255,411
86$826,044,790$57,911,092$24,725,274$754,577,131
87$910,178,583$60,625,960$25,430,795$830,947,256
88$1,002,890,155$63,469,989$26,156,084$915,083,799
89$1,105,054,319$66,449,386$26,901,680$1,007,777,973
90$1,217,635,112$69,570,659$27,668,139$1,109,901,648
91$1,341,694,902$72,840,629$28,456,030$1,222,415,587
92$1,478,404,412$76,266,450$29,265,937$1,346,378,499
93$1,629,053,776$79,855,620$30,098,460$1,482,957,039
94$1,795,064,716$83,616,001$30,954,214$1,633,436,808
95$1,978,003,968$87,555,835$31,833,830$1,799,234,487
96$2,179,598,066$91,683,765$32,737,957$1,981,911,203
97$2,401,749,650$96,008,850$33,667,260$2,183,187,263
98$2,646,555,422$100,540,591$34,622,420$2,404,958,384
99$2,916,325,942$105,288,948$35,604,139$2,649,313,585
100$3,213,607,445$110,264,363$36,613,134$2,918,554,898