Can I retire at age 35 with 5,700,000?

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 $5,700,000?

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$470,701$466,508$462,417$458,425$454,526$451,283
2 years$233,020$228,680$224,474$220,396$216,441$213,171
3 years$153,804$149,445$145,250$141,210$137,319$134,123
4 years$114,203$109,858$105,705$101,734$97,937$94,840
5 years$90,449$86,130$82,031$78,141$74,450$71,461
6 years$74,618$70,332$66,293$62,490$58,910$56,033
7 years$63,315$59,064$55,090$51,377$47,910$45,145
8 years$54,841$50,629$46,721$43,099$39,746$37,094
9 years$48,254$44,082$40,241$36,711$33,472$30,933
10 years$42,987$38,856$35,083$31,645$28,519$26,092
11 years$38,681$34,591$30,886$27,540$24,528$22,209
12 years$35,095$31,047$27,411$24,157$21,255$19,044
13 years$32,063$28,058$24,490$21,327$18,535$16,428
14 years$29,467$25,504$22,004$18,931$16,248$14,243
15 years$27,218$23,298$19,867$16,884$14,306$12,401
16 years$25,253$21,375$18,012$15,117$12,643$10,836
17 years$23,521$19,686$16,390$13,583$11,210$9,496
18 years$21,983$18,191$14,962$12,241$9,968$8,345
19 years$20,608$16,859$13,697$11,061$8,885$7,349
20 years$19,372$15,666$12,571$10,018$7,936$6,485
21 years$18,256$14,592$11,563$9,092$7,102$5,732
22 years$17,242$13,621$10,657$8,266$6,366$5,074
23 years$16,318$12,740$9,840$7,528$5,714$4,497
24 years$15,472$11,936$9,100$6,866$5,136$3,990
25 years$14,695$11,202$8,428$6,271$4,622$3,544
26 years$13,979$10,528$7,817$5,734$4,163$3,151
27 years$13,318$9,908$7,259$5,248$3,753$2,803
28 years$12,704$9,336$6,748$4,808$3,387$2,496
29 years$12,134$8,808$6,279$4,409$3,058$2,223
30 years$11,603$8,318$5,849$4,047$2,763$1,982
31 years$11,107$7,863$5,453$3,717$2,498$1,767
32 years$10,643$7,440$5,088$3,416$2,260$1,577
33 years$10,208$7,046$4,750$3,141$2,045$1,407
34 years$9,799$6,678$4,438$2,890$1,852$1,256
35 years$9,415$6,334$4,150$2,660$1,677$1,122
36 years$9,053$6,012$3,882$2,450$1,520$1,002
37 years$8,711$5,710$3,633$2,257$1,377$895
38 years$8,388$5,426$3,403$2,081$1,249$800
39 years$8,082$5,160$3,188$1,919$1,132$715
40 years$7,793$4,909$2,988$1,770$1,027$639
41 years$7,518$4,673$2,802$1,633$932$572
42 years$7,257$4,451$2,628$1,507$845$511
43 years$7,009$4,241$2,466$1,391$767$457
44 years$6,772$4,042$2,315$1,284$696$409
45 years$6,547$3,855$2,174$1,186$632$366
46 years$6,333$3,677$2,042$1,096$574$327
47 years$6,128$3,509$1,918$1,012$521$293
48 years$5,932$3,350$1,802$935$473$262
49 years$5,744$3,199$1,694$864$430$234
50 years$5,565$3,056$1,593$799$391$210

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,700,000, adding $4,735 every year, while hoping to spend $25,063 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: 64/16/20 Blend
34$5,700,000$5,700,000$5,700,000$5,700,000
35$6,286,284$5,984,184$5,895,834$6,656,255
36$6,900,818$6,250,742$6,066,678$7,172,245
37$7,577,195$6,529,522$6,242,405$7,732,460
38$8,321,695$6,821,095$6,423,152$8,343,908
39$9,141,241$7,126,062$6,609,060$9,011,602
40$10,043,459$7,445,050$6,800,275$9,741,054
41$11,036,752$7,778,717$6,996,944$10,538,334
42$12,130,380$8,127,754$7,199,221$11,410,119
43$13,334,546$8,492,881$7,407,262$12,363,759
44$14,660,493$8,874,856$7,621,229$13,407,344
45$16,120,611$9,274,471$7,841,288$14,549,779
46$17,728,550$9,692,556$8,067,607$15,800,867
47$19,499,353$10,129,983$8,300,363$17,171,399
48$21,449,596$10,587,662$8,539,735$18,673,256
49$23,597,546$11,066,548$8,785,907$20,319,519
50$25,963,330$11,567,643$9,039,069$22,124,592
51$28,569,126$12,091,994$9,299,415$24,104,332
52$31,439,377$12,640,702$9,567,145$26,276,204
53$34,601,013$13,214,916$9,842,464$28,659,437
54$38,083,713$13,815,843$10,125,583$31,275,210
55$41,920,180$14,444,748$10,416,719$34,146,844
56$46,146,453$15,102,955$10,716,093$37,300,025
57$50,802,244$15,791,852$11,023,934$40,763,041
58$55,931,314$16,512,894$11,340,478$44,567,049
59$61,581,887$17,267,605$11,665,963$48,746,367
60$67,807,105$18,057,583$12,000,638$53,338,792
61$74,665,526$18,884,502$12,344,756$58,385,960
62$82,221,683$19,750,115$12,698,578$63,933,731
63$90,546,686$20,656,262$13,062,372$70,032,623
64$99,718,898$21,604,870$13,436,412$76,738,285
65$109,824,675$22,597,957$13,820,981$84,112,017
66$120,959,176$23,637,641$14,216,368$92,221,350
67$133,227,266$24,726,140$14,622,871$101,140,676
68$146,744,505$25,865,778$15,040,794$110,951,951
69$161,638,235$27,058,992$15,470,452$121,745,462
70$178,048,789$28,308,337$15,912,165$133,620,675
71$196,130,807$29,616,487$16,366,265$146,687,177
72$216,054,705$30,986,250$16,833,090$161,065,695
73$238,008,274$32,420,566$17,312,988$176,889,244
74$262,198,462$33,922,517$17,806,317$194,304,369
75$288,853,318$35,495,334$18,313,442$213,472,528
76$318,224,155$37,142,403$18,834,740$234,571,613
77$350,587,912$38,867,275$19,370,597$257,797,620
78$386,249,777$40,673,669$19,921,410$283,366,497
79$425,546,061$42,565,486$20,487,585$311,516,178
80$468,847,380$44,546,815$21,069,539$342,508,822
81$516,562,144$46,621,941$21,667,700$376,633,283
82$569,140,423$48,795,356$22,282,508$414,207,830
83$627,078,188$51,071,771$22,914,414$455,583,144
84$690,921,997$53,456,121$23,563,881$501,145,628
85$761,274,152$55,953,582$24,231,382$551,321,039
86$838,798,387$58,569,579$24,917,405$606,578,508
87$924,226,134$61,309,800$25,622,449$667,434,956
88$1,018,363,426$64,180,206$26,347,027$734,459,971
89$1,122,098,507$67,187,048$27,091,665$808,281,171
90$1,236,410,220$70,336,879$27,856,901$889,590,125
91$1,362,377,245$73,636,568$28,643,289$979,148,872
92$1,501,188,281$77,093,317$29,451,397$1,077,797,105
93$1,654,153,272$80,714,676$30,281,805$1,186,460,089
94$1,822,715,772$84,508,562$31,135,112$1,306,157,386
95$2,008,466,571$88,483,271$32,011,929$1,438,012,468
96$2,213,158,716$92,647,507$32,912,883$1,583,263,315
97$2,438,724,060$97,010,389$33,838,619$1,743,274,087
98$2,687,291,497$101,581,481$34,789,796$1,919,547,994
99$2,961,207,068$106,370,811$35,767,092$2,113,741,475
100$3,263,056,099$111,388,891$36,771,200$2,327,679,816