Can I retire at age 35 with 5,800,000?

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 $5,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$478,959$474,692$470,530$466,467$462,500$445,559
2 years$237,108$232,692$228,413$224,263$220,238$203,359
3 years$156,502$152,067$147,798$143,688$139,728$123,441
4 years$116,207$111,785$107,559$103,519$99,655$84,085
5 years$92,036$87,641$83,470$79,512$75,756$60,944
6 years$75,927$71,566$67,456$63,587$59,943$45,899
7 years$64,426$60,101$56,057$52,278$48,750$35,470
8 years$55,803$51,517$47,540$43,855$40,443$27,916
9 years$49,101$44,855$40,947$37,355$34,059$22,268
10 years$43,742$39,538$35,698$32,200$29,020$17,944
11 years$39,360$35,198$31,428$28,024$24,958$14,573
12 years$35,711$31,592$27,892$24,580$21,628$11,909
13 years$32,626$28,550$24,919$21,701$18,860$9,780
14 years$29,984$25,951$22,390$19,264$16,533$8,063
15 years$27,696$23,707$20,215$17,180$14,557$6,668
16 years$25,696$21,750$18,328$15,383$12,865$5,530
17 years$23,933$20,031$16,678$13,821$11,407$4,595
18 years$22,368$18,510$15,225$12,456$10,143$3,825
19 years$20,970$17,155$13,938$11,255$9,040$3,189
20 years$19,712$15,941$12,791$10,193$8,075$2,661
21 years$18,576$14,848$11,765$9,251$7,226$2,223
22 years$17,545$13,860$10,844$8,411$6,477$1,859
23 years$16,605$12,963$10,012$7,660$5,814$1,555
24 years$15,744$12,146$9,260$6,987$5,226$1,302
25 years$14,953$11,398$8,576$6,381$4,703$1,091
26 years$14,225$10,713$7,954$5,834$4,236$914
27 years$13,551$10,082$7,386$5,340$3,819$766
28 years$12,927$9,500$6,866$4,893$3,446$642
29 years$12,347$8,962$6,390$4,487$3,112$539
30 years$11,806$8,464$5,952$4,118$2,812$452
31 years$11,302$8,001$5,549$3,782$2,542$379
32 years$10,830$7,571$5,177$3,476$2,299$318
33 years$10,387$7,170$4,834$3,196$2,081$267
34 years$9,971$6,795$4,516$2,941$1,884$224
35 years$9,580$6,445$4,222$2,707$1,706$188
36 years$9,212$6,117$3,950$2,493$1,546$158
37 years$8,864$5,810$3,697$2,297$1,401$132
38 years$8,535$5,522$3,462$2,117$1,270$111
39 years$8,224$5,250$3,244$1,952$1,152$93
40 years$7,930$4,995$3,040$1,801$1,045$78
41 years$7,650$4,755$2,851$1,661$948$66
42 years$7,384$4,529$2,674$1,533$860$55
43 years$7,132$4,315$2,509$1,415$781$46
44 years$6,891$4,113$2,355$1,307$709$39
45 years$6,662$3,922$2,212$1,207$643$33
46 years$6,444$3,742$2,077$1,115$584$27
47 years$6,235$3,571$1,952$1,030$530$23
48 years$6,036$3,409$1,834$952$482$19
49 years$5,845$3,255$1,724$880$437$16
50 years$5,663$3,109$1,621$813$397$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $5,800,000, adding $6,977 every year, while hoping to spend $53,470 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: 48/27/25 Blend
34$5,800,000$5,800,000$5,800,000$5,800,000
35$6,398,797$6,091,397$6,001,497$6,660,103
36$6,994,582$6,332,984$6,145,655$7,085,443
37$7,649,346$6,584,616$6,292,851$7,541,215
38$8,369,047$6,846,730$6,443,129$8,035,105
39$9,160,251$7,119,781$6,596,535$8,570,727
40$10,030,190$7,404,244$6,753,113$9,152,054
41$10,986,835$7,700,617$6,912,908$9,783,453
42$12,038,965$8,009,420$7,075,963$10,469,726
43$13,196,253$8,331,196$7,242,321$11,216,158
44$14,469,359$8,666,512$7,412,027$12,028,556
45$15,870,024$9,015,961$7,585,120$12,913,311
46$17,411,188$9,380,165$7,761,643$13,877,455
47$19,107,107$9,759,771$7,941,636$14,928,722
48$20,973,489$10,155,457$8,125,138$16,075,624
49$23,027,642$10,567,931$8,312,187$17,327,526
50$25,288,637$10,997,935$8,502,821$18,694,736
51$27,777,486$11,446,243$8,697,074$20,188,597
52$30,517,345$11,913,663$8,894,981$21,821,596
53$33,533,725$12,401,044$9,096,574$23,607,476
54$36,854,740$12,909,271$9,301,884$25,561,366
55$40,511,367$13,439,268$9,510,941$27,699,923
56$44,537,739$13,992,005$9,723,770$30,041,482
57$48,971,469$14,568,494$9,940,397$32,606,233
58$53,854,002$15,169,793$10,160,843$35,416,404
59$59,231,008$15,797,011$10,385,129$38,496,472
60$65,152,812$16,451,305$10,613,271$41,873,389
61$71,674,866$17,133,887$10,845,284$45,576,835
62$78,858,279$17,846,024$11,081,178$49,639,496
63$86,770,387$18,589,042$11,320,960$54,097,366
64$95,485,389$19,364,328$11,564,635$58,990,089
65$105,085,051$20,173,332$11,812,202$64,361,327
66$115,659,473$21,017,572$12,063,658$70,259,168
67$127,307,942$21,898,635$12,318,993$76,736,579
68$140,139,867$22,818,184$12,578,195$83,851,900
69$154,275,815$23,777,956$12,841,245$91,669,394
70$169,848,642$24,779,770$13,108,121$100,259,846
71$187,004,753$25,825,528$13,378,792$109,701,231
72$205,905,481$26,917,223$13,653,226$120,079,441
73$226,728,610$28,056,937$13,931,379$131,489,099
74$249,670,053$29,246,851$14,213,204$144,034,439
75$274,945,699$30,489,248$14,498,648$157,830,291
76$302,793,454$31,786,515$14,787,646$173,003,159
77$333,475,484$33,141,151$15,080,130$189,692,407
78$367,280,690$34,555,774$15,376,020$208,051,574
79$404,527,434$36,033,120$15,675,231$228,249,814
80$445,566,545$37,576,056$15,977,664$250,473,489
81$490,784,631$39,187,581$16,283,214$274,927,921
82$540,607,726$40,870,836$16,591,764$301,839,326
83$595,505,313$42,629,106$16,903,188$331,456,939
84$655,994,756$44,465,833$17,217,345$364,055,365
85$722,646,180$46,384,618$17,534,086$399,937,158
86$796,087,859$48,389,232$17,853,246$439,435,676
87$877,012,139$50,483,624$18,174,648$482,918,217
88$966,181,981$52,671,925$18,498,102$530,789,476
89$1,064,438,156$54,958,462$18,823,402$583,495,363
90$1,172,707,189$57,347,767$19,150,327$641,527,196
91$1,292,010,097$59,844,583$19,478,638$705,426,338
92$1,423,472,035$62,453,876$19,808,080$775,789,291
93$1,568,332,914$65,180,847$20,138,382$853,273,321
94$1,727,959,104$68,030,941$20,469,251$938,602,652
95$1,903,856,337$71,009,862$20,800,375$1,032,575,290
96$2,097,683,918$74,123,580$21,131,422$1,136,070,548
97$2,311,270,391$77,378,348$21,462,038$1,250,057,333
98$2,546,630,799$80,780,716$21,791,845$1,375,603,279
99$2,805,985,710$84,337,540$22,120,441$1,513,884,819
100$3,091,782,177$88,056,004$22,447,400$1,666,198,269