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%14.3%
1 years$825,791$818,435$811,258$804,254$797,414$783,237
2 years$408,807$401,194$393,815$386,660$379,721$365,486
3 years$269,831$262,184$254,824$247,737$240,911$227,062
4 years$200,356$192,733$185,447$178,481$171,819$158,463
5 years$158,683$151,105$143,914$137,090$130,614$117,788
6 years$130,909$123,389$116,304$109,632$103,351$91,070
7 years$111,079$103,622$96,649$90,135$84,052$72,319
8 years$96,213$88,823$81,966$75,612$69,729$58,542
9 years$84,656$77,336$70,598$64,404$58,722$48,074
10 years$75,417$68,168$61,549$55,517$50,034$39,916
11 years$67,862$60,686$54,186$48,317$43,031$33,432
12 years$61,571$54,469$48,089$42,380$37,290$28,196
13 years$56,251$49,224$42,964$37,415$32,517$23,915
14 years$51,696$44,743$38,604$33,213$28,505$20,379
15 years$47,752$40,874$34,854$29,620$25,098$17,432
16 years$44,304$37,501$31,600$26,522$22,181$14,960
17 years$41,265$34,537$28,755$23,830$19,668$12,873
18 years$38,566$31,914$26,250$21,475$17,487$11,103
19 years$36,155$29,577$24,030$19,405$15,587$9,595
20 years$33,987$27,484$22,054$17,575$13,923$8,306
21 years$32,028$25,601$20,285$15,950$12,459$7,200
22 years$30,250$23,897$18,696$14,502$11,168$6,249
23 years$28,629$22,351$17,262$13,208$10,025$5,429
24 years$27,145$20,941$15,965$12,046$9,011$4,721
25 years$25,782$19,652$14,787$11,001$8,108$4,109
26 years$24,525$18,470$13,714$10,059$7,304$3,578
27 years$23,364$17,382$12,734$9,207$6,585$3,118
28 years$22,288$16,379$11,838$8,436$5,942$2,719
29 years$21,288$15,452$11,017$7,736$5,365$2,371
30 years$20,356$14,593$10,262$7,099$4,848$2,069
31 years$19,486$13,795$9,567$6,520$4,383$1,806
32 years$18,672$13,053$8,926$5,992$3,965$1,577
33 years$17,909$12,361$8,334$5,510$3,588$1,377
34 years$17,192$11,716$7,787$5,070$3,248$1,203
35 years$16,518$11,112$7,280$4,667$2,942$1,051
36 years$15,882$10,547$6,810$4,298$2,666$919
37 years$15,283$10,017$6,374$3,960$2,416$803
38 years$14,716$9,520$5,969$3,650$2,190$702
39 years$14,180$9,053$5,593$3,366$1,986$613
40 years$13,672$8,613$5,242$3,105$1,802$536
41 years$13,189$8,199$4,915$2,864$1,635$469
42 years$12,731$7,808$4,611$2,643$1,483$410
43 years$12,296$7,439$4,327$2,440$1,346$359
44 years$11,881$7,091$4,061$2,253$1,222$314
45 years$11,486$6,762$3,813$2,081$1,109$274
46 years$11,110$6,451$3,582$1,922$1,007$240
47 years$10,750$6,156$3,365$1,776$914$210
48 years$10,406$5,877$3,162$1,641$830$184
49 years$10,078$5,612$2,972$1,516$754$161
50 years$9,763$5,361$2,794$1,402$685$140

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 $6,596 every year, while hoping to spend $48,007 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: 47/36/17 Blend
34$10,000,000$10,000,000$10,000,000$10,000,000
35$11,026,804$10,496,804$10,341,804$11,491,754
36$12,100,459$10,960,068$10,637,175$12,278,811
37$13,282,017$11,444,423$10,940,832$13,127,165
38$14,582,435$11,950,852$11,253,003$14,046,916
39$16,013,784$12,480,384$11,573,918$15,044,747
40$17,589,365$13,034,098$11,903,819$16,127,995
41$19,323,833$13,613,121$12,242,950$17,304,722
42$21,233,338$14,218,638$12,591,563$18,583,781
43$23,335,674$14,851,888$12,949,916$19,974,905
44$25,650,450$15,514,167$13,318,275$21,488,784
45$28,199,270$16,206,836$13,696,912$23,137,171
46$31,005,944$16,931,319$14,086,107$24,932,985
47$34,096,703$17,689,107$14,486,145$26,890,425
48$37,500,458$18,481,764$14,897,321$29,025,107
49$41,249,060$19,310,926$15,319,937$31,354,201
50$45,377,613$20,178,310$15,754,303$33,896,590
51$49,924,793$21,085,711$16,200,737$36,673,041
52$54,933,225$22,035,013$16,659,564$39,706,398
53$60,449,873$23,028,188$17,131,118$43,021,792
54$66,526,493$24,067,303$17,615,744$46,646,869
55$73,220,117$25,154,522$18,113,793$50,612,047
56$80,593,590$26,292,114$18,625,626$54,950,797
57$88,716,165$27,482,457$19,151,614$59,699,951
58$97,664,157$28,728,041$19,692,136$64,900,043
59$107,521,661$30,031,474$20,247,582$70,595,684
60$118,381,347$31,395,493$20,818,352$76,835,973
61$130,345,333$32,822,961$21,404,856$83,674,956
62$143,526,153$34,316,882$22,007,515$91,172,127
63$158,047,812$35,880,401$22,626,758$99,392,978
64$174,046,963$37,516,815$23,263,029$108,409,608
65$191,674,194$39,229,579$23,916,781$118,301,398
66$211,095,446$41,022,313$24,588,478$129,155,746
67$232,493,587$42,898,812$25,278,597$141,068,881
68$256,070,130$44,863,051$25,987,627$154,146,764
69$282,047,140$46,919,197$26,716,069$168,506,072
70$310,669,327$49,071,616$27,464,436$184,275,291
71$342,206,358$51,324,885$28,233,255$201,595,912
72$376,955,403$53,683,801$29,023,065$220,623,759
73$415,243,936$56,153,389$29,834,420$241,530,438
74$457,432,831$58,738,918$30,667,886$264,504,950
75$503,919,764$61,445,910$31,524,045$289,755,456
76$555,142,971$64,280,151$32,403,491$317,511,226
77$611,585,382$67,247,706$33,306,836$348,024,785
78$673,779,181$70,354,933$34,234,705$381,574,286
79$742,310,828$73,608,495$35,187,738$418,466,107
80$817,826,597$77,015,376$36,166,592$459,037,734
81$901,038,677$80,582,897$37,171,940$503,660,920
82$992,731,892$84,318,729$38,204,470$552,745,178
83$1,093,771,115$88,230,916$39,264,889$606,741,619
84$1,205,109,426$92,327,889$40,353,921$666,147,195
85$1,327,797,115$96,618,483$41,472,305$731,509,359
86$1,462,991,594$101,111,962$42,620,800$803,431,214
87$1,611,968,324$105,818,035$43,800,184$882,577,175
88$1,776,132,855$110,746,881$45,011,253$969,679,219
89$1,957,034,097$115,909,169$46,254,820$1,065,543,758
90$2,156,378,940$121,316,083$47,531,722$1,171,059,232
91$2,376,048,369$126,979,349$48,842,812$1,287,204,455
92$2,618,115,221$132,911,255$50,188,964$1,415,057,830
93$2,884,863,755$139,124,688$51,571,075$1,555,807,487
94$3,178,811,213$145,633,153$52,990,062$1,710,762,471
95$3,502,731,590$152,450,810$54,446,862$1,881,365,057
96$3,859,681,817$159,592,505$55,942,437$2,069,204,327
97$4,253,030,622$167,073,798$57,477,769$2,276,031,130
98$4,686,490,336$174,911,004$59,053,864$2,503,774,569
99$5,164,151,934$183,121,227$60,671,752$2,754,560,165
100$5,690,523,661$191,722,397$62,332,486$3,030,729,875