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%12.7%
1 years$825,791$818,435$811,258$804,254$797,414$788,431
2 years$408,807$401,194$393,815$386,660$379,721$370,677
3 years$269,831$262,184$254,824$247,737$240,911$232,087
4 years$200,356$192,733$185,447$178,481$171,819$163,285
5 years$158,683$151,105$143,914$137,090$130,614$122,393
6 years$130,909$123,389$116,304$109,632$103,351$95,453
7 years$111,079$103,622$96,649$90,135$84,052$76,481
8 years$96,213$88,823$81,966$75,612$69,729$62,484
9 years$84,656$77,336$70,598$64,404$58,722$51,800
10 years$75,417$68,168$61,549$55,517$50,034$43,431
11 years$67,862$60,686$54,186$48,317$43,031$36,741
12 years$61,571$54,469$48,089$42,380$37,290$31,306
13 years$56,251$49,224$42,964$37,415$32,517$26,833
14 years$51,696$44,743$38,604$33,213$28,505$23,111
15 years$47,752$40,874$34,854$29,620$25,098$19,987
16 years$44,304$37,501$31,600$26,522$22,181$17,345
17 years$41,265$34,537$28,755$23,830$19,668$15,095
18 years$38,566$31,914$26,250$21,475$17,487$13,171
19 years$36,155$29,577$24,030$19,405$15,587$11,516
20 years$33,987$27,484$22,054$17,575$13,923$10,087
21 years$32,028$25,601$20,285$15,950$12,459$8,850
22 years$30,250$23,897$18,696$14,502$11,168$7,775
23 years$28,629$22,351$17,262$13,208$10,025$6,839
24 years$27,145$20,941$15,965$12,046$9,011$6,022
25 years$25,782$19,652$14,787$11,001$8,108$5,308
26 years$24,525$18,470$13,714$10,059$7,304$4,682
27 years$23,364$17,382$12,734$9,207$6,585$4,132
28 years$22,288$16,379$11,838$8,436$5,942$3,650
29 years$21,288$15,452$11,017$7,736$5,365$3,225
30 years$20,356$14,593$10,262$7,099$4,848$2,851
31 years$19,486$13,795$9,567$6,520$4,383$2,522
32 years$18,672$13,053$8,926$5,992$3,965$2,231
33 years$17,909$12,361$8,334$5,510$3,588$1,975
34 years$17,192$11,716$7,787$5,070$3,248$1,749
35 years$16,518$11,112$7,280$4,667$2,942$1,548
36 years$15,882$10,547$6,810$4,298$2,666$1,372
37 years$15,283$10,017$6,374$3,960$2,416$1,215
38 years$14,716$9,520$5,969$3,650$2,190$1,077
39 years$14,180$9,053$5,593$3,366$1,986$954
40 years$13,672$8,613$5,242$3,105$1,802$846
41 years$13,189$8,199$4,915$2,864$1,635$750
42 years$12,731$7,808$4,611$2,643$1,483$665
43 years$12,296$7,439$4,327$2,440$1,346$589
44 years$11,881$7,091$4,061$2,253$1,222$523
45 years$11,486$6,762$3,813$2,081$1,109$463
46 years$11,110$6,451$3,582$1,922$1,007$411
47 years$10,750$6,156$3,365$1,776$914$365
48 years$10,406$5,877$3,162$1,641$830$323
49 years$10,078$5,612$2,972$1,516$754$287
50 years$9,763$5,361$2,794$1,402$685$254

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 $55,606 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: 64/26/10 Blend
34$10,000,000$10,000,000$10,000,000$10,000,000
35$11,023,896$10,493,896$10,338,896$11,705,246
36$12,089,169$10,948,933$10,626,085$12,615,481
37$13,261,236$11,424,402$10,921,030$13,602,430
38$14,550,932$11,921,247$11,223,935$14,678,998
39$15,970,194$12,440,455$11,535,003$15,853,894
40$17,532,175$12,983,059$11,854,447$17,136,699
41$19,251,368$13,550,140$12,182,482$18,537,951
42$21,143,742$14,142,832$12,519,331$20,069,246
43$23,226,894$14,762,321$12,865,218$21,743,341
44$25,520,212$15,409,850$13,220,378$23,574,274
45$28,045,060$16,086,718$13,585,047$25,577,491
46$30,824,979$16,794,290$13,959,468$27,769,992
47$33,885,908$17,533,992$14,343,892$30,170,487
48$37,256,430$18,307,317$14,738,572$32,799,569
49$40,968,042$19,115,831$15,143,770$35,679,906
50$45,055,449$19,961,174$15,559,753$38,836,450
51$49,556,895$20,845,061$15,986,794$42,296,670
52$54,514,520$21,769,291$16,425,174$46,090,806
53$59,974,762$22,735,747$16,875,178$50,252,154
54$65,988,791$23,746,402$17,337,100$54,817,371
55$72,612,994$24,803,322$17,811,239$59,826,820
56$79,909,506$25,908,672$18,297,902$65,324,948
57$87,946,797$27,064,718$18,797,404$71,360,694
58$96,800,317$28,273,836$19,310,063$77,987,953
59$106,553,209$29,538,514$19,836,210$85,266,078
60$117,297,093$30,861,357$20,376,179$93,260,432
61$129,132,929$32,245,097$20,930,315$102,043,002
62$142,171,975$33,692,593$21,498,967$111,693,069
63$156,536,829$35,206,842$22,082,494$122,297,957
64$172,362,592$36,790,984$22,681,265$133,953,843
65$189,798,141$38,448,308$23,295,652$146,766,664
66$209,007,536$40,182,259$23,926,041$160,853,107
67$230,171,563$41,996,448$24,572,822$176,341,704
68$253,489,447$43,894,659$25,236,396$193,374,036
69$279,180,727$45,880,853$25,917,171$212,106,064
70$307,487,331$47,959,185$26,615,567$232,709,591
71$338,675,860$50,134,006$27,332,009$255,373,877
72$373,040,100$52,409,875$28,066,934$280,307,412
73$410,903,800$54,791,569$28,820,786$307,739,880
74$452,623,727$57,284,095$29,594,022$337,924,313
75$498,593,030$59,892,698$30,387,104$371,139,471
76$549,244,955$62,622,877$31,200,508$407,692,463
77$605,056,933$65,480,390$32,034,717$447,921,633
78$666,555,085$68,471,274$32,890,226$492,199,741
79$734,319,193$71,601,856$33,767,538$540,937,474
80$808,988,168$74,878,764$34,667,167$594,587,305
81$891,266,084$78,308,946$35,589,640$653,647,752
82$981,928,822$81,899,682$36,535,490$718,668,071
83$1,081,831,398$85,658,602$37,505,265$790,253,426
84$1,191,916,030$89,593,703$38,499,521$869,070,583
85$1,313,221,036$93,713,366$39,518,827$955,854,192
86$1,446,890,635$98,026,374$40,563,761$1,051,413,703
87$1,594,185,746$102,541,933$41,634,913$1,156,640,991
88$1,756,495,895$107,269,690$42,732,885$1,272,518,754
89$1,935,352,329$112,219,758$43,858,290$1,400,129,773
90$2,132,442,477$117,402,736$45,011,752$1,540,667,113
91$2,349,625,872$122,829,733$46,193,908$1,695,445,362
92$2,588,951,712$128,512,391$47,405,406$1,865,913,022
93$2,852,678,205$134,462,916$48,646,905$2,053,666,159
94$3,143,293,882$140,694,099$49,919,076$2,260,463,444
95$3,463,541,097$147,219,349$51,222,605$2,488,242,733
96$3,816,441,912$154,052,721$52,558,185$2,739,139,331
97$4,205,326,629$161,208,945$53,926,526$3,015,506,125
98$4,633,865,227$168,703,466$55,328,346$3,319,935,767
99$5,106,102,013$176,552,469$56,764,379$3,655,285,116
100$5,626,493,802$184,772,923$58,235,369$4,024,702,180