Can I retire at age 35 with 10,000,000?

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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$825,791$818,435$811,258$804,254$797,414$789,086
2 years$408,807$401,194$393,815$386,660$379,721$371,335
3 years$269,831$262,184$254,824$247,737$240,911$232,726
4 years$200,356$192,733$185,447$178,481$171,819$163,899
5 years$158,683$151,105$143,914$137,090$130,614$122,982
6 years$130,909$123,389$116,304$109,632$103,351$96,016
7 years$111,079$103,622$96,649$90,135$84,052$77,017
8 years$96,213$88,823$81,966$75,612$69,729$62,994
9 years$84,656$77,336$70,598$64,404$58,722$52,285
10 years$75,417$68,168$61,549$55,517$50,034$43,890
11 years$67,862$60,686$54,186$48,317$43,031$37,176
12 years$61,571$54,469$48,089$42,380$37,290$31,717
13 years$56,251$49,224$42,964$37,415$32,517$27,220
14 years$51,696$44,743$38,604$33,213$28,505$23,476
15 years$47,752$40,874$34,854$29,620$25,098$20,330
16 years$44,304$37,501$31,600$26,522$22,181$17,666
17 years$41,265$34,537$28,755$23,830$19,668$15,397
18 years$38,566$31,914$26,250$21,475$17,487$13,453
19 years$36,155$29,577$24,030$19,405$15,587$11,780
20 years$33,987$27,484$22,054$17,575$13,923$10,334
21 years$32,028$25,601$20,285$15,950$12,459$9,080
22 years$30,250$23,897$18,696$14,502$11,168$7,989
23 years$28,629$22,351$17,262$13,208$10,025$7,038
24 years$27,145$20,941$15,965$12,046$9,011$6,207
25 years$25,782$19,652$14,787$11,001$8,108$5,479
26 years$24,525$18,470$13,714$10,059$7,304$4,840
27 years$23,364$17,382$12,734$9,207$6,585$4,279
28 years$22,288$16,379$11,838$8,436$5,942$3,785
29 years$21,288$15,452$11,017$7,736$5,365$3,351
30 years$20,356$14,593$10,262$7,099$4,848$2,967
31 years$19,486$13,795$9,567$6,520$4,383$2,629
32 years$18,672$13,053$8,926$5,992$3,965$2,330
33 years$17,909$12,361$8,334$5,510$3,588$2,065
34 years$17,192$11,716$7,787$5,070$3,248$1,832
35 years$16,518$11,112$7,280$4,667$2,942$1,625
36 years$15,882$10,547$6,810$4,298$2,666$1,442
37 years$15,283$10,017$6,374$3,960$2,416$1,279
38 years$14,716$9,520$5,969$3,650$2,190$1,136
39 years$14,180$9,053$5,593$3,366$1,986$1,008
40 years$13,672$8,613$5,242$3,105$1,802$895
41 years$13,189$8,199$4,915$2,864$1,635$795
42 years$12,731$7,808$4,611$2,643$1,483$706
43 years$12,296$7,439$4,327$2,440$1,346$627
44 years$11,881$7,091$4,061$2,253$1,222$557
45 years$11,486$6,762$3,813$2,081$1,109$495
46 years$11,110$6,451$3,582$1,922$1,007$439
47 years$10,750$6,156$3,365$1,776$914$390
48 years$10,406$5,877$3,162$1,641$830$347
49 years$10,078$5,612$2,972$1,516$754$308
50 years$9,763$5,361$2,794$1,402$685$274

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,000,000, adding $3,777 every year, while hoping to spend $45,510 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: 58/22/20 Blend
34$10,000,000$10,000,000$10,000,000$10,000,000
35$11,023,896$10,493,896$10,338,896$11,604,566
36$12,099,911$10,959,675$10,636,827$12,465,396
37$13,284,154$11,446,751$10,943,213$13,398,171
38$14,587,617$11,956,121$11,258,289$14,414,092
39$16,022,410$12,488,827$11,582,298$15,521,189
40$17,601,878$13,045,962$11,915,487$16,728,296
41$19,340,725$13,628,669$12,258,112$18,045,127
42$21,255,153$14,238,148$12,610,433$19,482,370
43$23,363,016$14,875,654$12,972,719$21,051,781
44$25,683,985$15,542,503$13,345,247$22,766,294
45$28,239,739$16,240,073$13,728,300$24,640,141
46$31,054,163$16,969,807$14,122,168$26,688,983
47$34,153,578$17,733,218$14,527,152$28,930,055
48$37,566,988$18,531,891$14,943,556$31,382,323
49$41,326,353$19,367,486$15,371,698$34,066,664
50$45,466,891$20,241,742$15,811,899$37,006,055
51$50,027,408$21,156,482$16,264,492$40,225,791
52$55,050,670$22,113,616$16,729,819$43,753,715
53$60,583,799$23,115,144$17,208,228$47,620,482
54$66,678,723$24,163,162$17,700,080$51,859,839
55$73,392,663$25,259,868$18,205,744$56,508,944
56$80,788,676$26,407,562$18,725,597$61,608,709
57$88,936,246$27,608,658$19,260,030$67,204,183
58$97,911,942$28,865,681$19,809,440$73,344,973
59$107,800,142$30,181,281$20,374,238$80,085,703
60$118,693,826$31,558,233$20,954,844$87,486,533
61$130,695,454$32,999,445$21,551,689$95,613,710
62$143,917,936$34,507,963$22,165,217$104,540,198
63$158,485,695$36,086,983$22,795,881$114,346,354
64$174,535,842$37,739,851$23,444,149$125,120,681
65$192,219,469$39,470,075$24,110,499$136,960,662
66$211,703,076$41,281,330$24,795,422$149,973,667
67$233,170,144$43,177,469$25,499,423$164,277,963
68$256,822,864$45,162,530$26,223,018$180,003,820
69$282,884,045$47,240,744$26,966,739$197,294,737
70$311,599,223$49,416,545$27,731,130$216,308,787
71$343,238,970$51,694,582$28,516,749$237,220,096
72$378,101,456$54,079,727$29,324,171$260,220,486
73$416,515,256$56,577,086$30,153,982$285,521,270
74$458,842,459$59,192,010$31,006,787$313,355,240
75$505,482,079$61,930,108$31,883,205$343,978,854
76$556,873,829$64,797,261$32,783,869$377,674,645
77$613,502,263$67,799,630$33,709,432$414,753,880
78$675,901,357$70,943,675$34,660,562$455,559,483
79$744,659,547$74,236,167$35,637,943$500,469,264
80$820,425,285$77,684,204$36,642,278$549,899,471
81$903,913,158$81,295,223$37,674,288$604,308,705
82$995,910,636$85,077,024$38,734,712$664,202,238
83$1,097,285,503$89,037,781$39,824,307$730,136,768
84$1,208,994,055$93,186,063$40,943,852$802,725,658
85$1,332,090,120$97,530,851$42,094,142$882,644,713
86$1,467,735,011$102,081,563$43,275,996$970,638,538
87$1,617,208,490$106,848,067$44,490,249$1,067,527,558
88$1,781,920,847$111,840,712$45,737,763$1,174,215,740
89$1,963,426,211$117,070,346$47,019,416$1,291,699,108
90$2,163,437,230$122,548,338$48,336,112$1,421,075,128
91$2,383,841,232$128,286,611$49,688,776$1,563,553,048
92$2,626,718,044$134,297,662$51,078,357$1,720,465,292
93$2,894,359,629$140,594,591$52,505,826$1,893,280,014
94$3,189,291,721$147,191,136$53,972,181$2,083,614,940
95$3,514,297,669$154,101,694$55,478,441$2,293,252,611
96$3,872,444,716$161,341,362$57,025,655$2,524,157,186
97$4,267,112,957$168,925,968$58,614,893$2,778,492,961
98$4,702,027,242$176,872,105$60,247,256$3,058,644,770
99$5,181,292,351$185,197,168$61,923,869$3,367,240,471
100$5,709,431,738$193,919,396$63,645,886$3,707,175,723