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%11.8%
1 years$825,791$818,435$811,258$804,254$797,414$791,394
2 years$408,807$401,194$393,815$386,660$379,721$373,652
3 years$269,831$262,184$254,824$247,737$240,911$234,980
4 years$200,356$192,733$185,447$178,481$171,819$166,073
5 years$158,683$151,105$143,914$137,090$130,614$125,069
6 years$130,909$123,389$116,304$109,632$103,351$98,014
7 years$111,079$103,622$96,649$90,135$84,052$78,926
8 years$96,213$88,823$81,966$75,612$69,729$64,814
9 years$84,656$77,336$70,598$64,404$58,722$54,016
10 years$75,417$68,168$61,549$55,517$50,034$45,535
11 years$67,862$60,686$54,186$48,317$43,031$38,735
12 years$61,571$54,469$48,089$42,380$37,290$33,194
13 years$56,251$49,224$42,964$37,415$32,517$28,617
14 years$51,696$44,743$38,604$33,213$28,505$24,794
15 years$47,752$40,874$34,854$29,620$25,098$21,573
16 years$44,304$37,501$31,600$26,522$22,181$18,837
17 years$41,265$34,537$28,755$23,830$19,668$16,497
18 years$38,566$31,914$26,250$21,475$17,487$14,486
19 years$36,155$29,577$24,030$19,405$15,587$12,748
20 years$33,987$27,484$22,054$17,575$13,923$11,241
21 years$32,028$25,601$20,285$15,950$12,459$9,928
22 years$30,250$23,897$18,696$14,502$11,168$8,782
23 years$28,629$22,351$17,262$13,208$10,025$7,778
24 years$27,145$20,941$15,965$12,046$9,011$6,896
25 years$25,782$19,652$14,787$11,001$8,108$6,121
26 years$24,525$18,470$13,714$10,059$7,304$5,437
27 years$23,364$17,382$12,734$9,207$6,585$4,834
28 years$22,288$16,379$11,838$8,436$5,942$4,300
29 years$21,288$15,452$11,017$7,736$5,365$3,827
30 years$20,356$14,593$10,262$7,099$4,848$3,409
31 years$19,486$13,795$9,567$6,520$4,383$3,037
32 years$18,672$13,053$8,926$5,992$3,965$2,707
33 years$17,909$12,361$8,334$5,510$3,588$2,414
34 years$17,192$11,716$7,787$5,070$3,248$2,154
35 years$16,518$11,112$7,280$4,667$2,942$1,922
36 years$15,882$10,547$6,810$4,298$2,666$1,715
37 years$15,283$10,017$6,374$3,960$2,416$1,531
38 years$14,716$9,520$5,969$3,650$2,190$1,367
39 years$14,180$9,053$5,593$3,366$1,986$1,221
40 years$13,672$8,613$5,242$3,105$1,802$1,091
41 years$13,189$8,199$4,915$2,864$1,635$974
42 years$12,731$7,808$4,611$2,643$1,483$870
43 years$12,296$7,439$4,327$2,440$1,346$778
44 years$11,881$7,091$4,061$2,253$1,222$695
45 years$11,486$6,762$3,813$2,081$1,109$621
46 years$11,110$6,451$3,582$1,922$1,007$555
47 years$10,750$6,156$3,365$1,776$914$496
48 years$10,406$5,877$3,162$1,641$830$444
49 years$10,078$5,612$2,972$1,516$754$397
50 years$9,763$5,361$2,794$1,402$685$355

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 $6,353 every year, while hoping to spend $23,381 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: 44/32/24 Blend
34$10,000,000$10,000,000$10,000,000$10,000,000
35$11,026,553$10,496,553$10,341,553$11,434,707
36$12,126,384$10,986,007$10,663,118$12,214,210
37$13,337,615$11,498,661$10,994,672$13,055,892
38$14,671,582$12,035,626$11,336,524$13,967,803
39$16,140,781$12,598,068$11,688,995$14,956,473
40$17,758,977$13,187,211$12,052,413$16,029,068
41$19,541,343$13,804,334$12,427,119$17,193,461
42$21,504,595$14,450,781$12,813,462$18,458,293
43$23,667,154$15,127,960$13,211,804$19,833,060
44$26,049,321$15,837,348$13,622,516$21,328,192
45$28,673,465$16,580,491$14,045,984$22,955,151
46$31,564,236$17,359,012$14,482,601$24,726,531
47$34,748,796$18,174,612$14,932,777$26,656,176
48$38,257,079$19,029,074$15,396,931$28,759,303
49$42,122,071$19,924,268$15,875,498$31,052,640
50$46,380,119$20,862,154$16,368,923$33,554,582
51$51,071,277$21,844,786$16,877,669$36,285,353
52$56,239,687$22,874,319$17,402,210$39,267,198
53$61,933,987$23,953,013$17,943,036$42,524,581
54$68,207,777$25,083,235$18,500,652$46,084,411
55$75,120,125$26,267,468$19,075,578$49,976,293
56$82,736,120$27,508,316$19,668,352$54,232,793
57$91,127,490$28,808,508$20,279,527$58,889,744
58$100,373,275$30,170,907$20,909,673$63,986,576
59$110,560,581$31,598,513$21,559,378$69,566,674
60$121,785,393$33,094,473$22,229,250$75,677,789
61$134,153,485$34,662,085$22,919,913$82,372,471
62$147,781,422$36,304,808$23,632,011$89,708,560
63$162,797,653$38,026,270$24,366,209$97,749,722
64$179,343,730$39,830,273$25,123,193$106,566,037
65$197,575,638$41,720,804$25,903,668$116,234,656
66$217,665,275$43,702,046$26,708,363$126,840,511
67$239,802,068$45,778,381$27,538,028$138,477,110
68$264,194,765$47,954,407$28,393,437$151,247,405
69$291,073,402$50,234,944$29,275,389$165,264,754
70$320,691,480$52,625,047$30,184,705$180,653,973
71$353,328,352$55,130,015$31,122,234$197,552,507
72$389,291,865$57,755,407$32,088,850$216,111,705
73$428,921,262$60,507,050$33,085,454$236,498,240
74$472,590,390$63,391,054$34,112,975$258,895,665
75$520,711,222$66,413,828$35,172,372$283,506,127
76$573,737,752$69,582,091$36,264,632$310,552,258
77$632,170,279$72,902,890$37,390,774$340,279,261
78$696,560,129$76,383,613$38,551,846$372,957,205
79$767,514,861$80,032,008$39,748,932$408,883,551
80$845,704,002$83,856,202$40,983,146$448,385,946
81$931,865,368$87,864,713$42,255,639$491,825,285
82$1,026,812,029$92,066,478$43,567,596$539,599,106
83$1,131,439,986$96,470,865$44,920,241$592,145,308
84$1,246,736,628$101,087,702$46,314,833$649,946,269
85$1,373,790,055$105,927,290$47,752,671$713,533,368
86$1,513,799,351$111,000,437$49,235,095$783,491,975
87$1,668,085,899$116,318,473$50,763,485$860,466,950
88$1,838,105,864$121,893,282$52,339,265$945,168,701
89$2,025,463,935$127,737,325$53,963,903$1,038,379,856
90$2,231,928,474$133,863,672$55,638,912$1,140,962,621
91$2,459,448,214$140,286,027$57,365,851$1,253,866,885
92$2,710,170,652$147,018,763$59,146,327$1,378,139,151
93$2,986,462,329$154,076,953$60,982,000$1,514,932,378
94$3,290,931,167$161,476,403$62,874,577$1,665,516,825
95$3,626,451,091$169,233,692$64,825,820$1,831,292,004
96$3,996,189,162$177,366,203$66,837,545$2,013,799,845
97$4,403,635,480$185,892,170$68,911,626$2,214,739,212
98$4,852,636,124$194,830,712$71,049,991$2,435,981,891
99$5,347,429,474$204,201,882$73,254,631$2,679,590,211
100$5,892,686,216$214,026,710$75,527,597$2,947,836,465