Can I retire at age 35 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$834,049$826,619$819,371$812,296$805,388$784,963
2 years$412,895$405,206$397,753$390,527$383,518$363,072
3 years$272,529$264,806$257,372$250,214$243,320$223,493
4 years$202,360$194,661$187,301$180,265$173,538$154,483
5 years$160,269$152,616$145,353$138,461$131,921$113,690
6 years$132,218$124,623$117,467$110,728$104,384$86,997
7 years$112,190$104,658$97,616$91,036$84,892$68,349
8 years$97,175$89,711$82,786$76,368$70,426$54,720
9 years$85,503$78,110$71,303$65,048$59,309$44,426
10 years$76,171$68,850$62,164$56,072$50,534$36,457
11 years$68,540$61,293$54,728$48,800$43,461$30,168
12 years$62,186$55,013$48,570$42,804$37,663$25,131
13 years$56,814$49,716$43,394$37,789$32,843$21,048
14 years$52,213$45,190$38,990$33,545$28,790$17,705
15 years$48,229$41,282$35,202$29,917$25,349$14,946
16 years$44,747$37,876$31,916$26,787$22,403$12,655
17 years$41,677$34,882$29,042$24,068$19,864$10,742
18 years$38,952$32,233$26,512$21,690$17,662$9,137
19 years$36,516$29,873$24,270$19,599$15,743$7,785
20 years$34,327$27,759$22,274$17,750$14,062$6,643
21 years$32,348$25,857$20,488$16,110$12,584$5,675
22 years$30,552$24,136$18,883$14,647$11,280$4,854
23 years$28,915$22,574$17,435$13,340$10,125$4,155
24 years$27,416$21,151$16,124$12,167$9,101$3,560
25 years$26,039$19,849$14,934$11,111$8,189$3,051
26 years$24,771$18,655$13,851$10,159$7,377$2,617
27 years$23,598$17,556$12,862$9,299$6,651$2,246
28 years$22,511$16,543$11,957$8,520$6,001$1,928
29 years$21,500$15,607$11,127$7,813$5,419$1,656
30 years$20,559$14,739$10,364$7,170$4,896$1,422
31 years$19,680$13,933$9,662$6,586$4,427$1,222
32 years$18,858$13,183$9,015$6,052$4,004$1,050
33 years$18,088$12,485$8,417$5,566$3,624$903
34 years$17,364$11,833$7,865$5,121$3,281$776
35 years$16,683$11,223$7,353$4,714$2,972$667
36 years$16,041$10,653$6,878$4,341$2,692$574
37 years$15,436$10,117$6,438$4,000$2,440$494
38 years$14,863$9,615$6,029$3,687$2,212$425
39 years$14,322$9,143$5,649$3,400$2,006$365
40 years$13,808$8,699$5,294$3,136$1,820$314
41 years$13,321$8,281$4,964$2,893$1,651$270
42 years$12,859$7,886$4,657$2,670$1,498$233
43 years$12,419$7,514$4,370$2,465$1,360$200
44 years$12,000$7,162$4,102$2,276$1,234$172
45 years$11,601$6,830$3,851$2,102$1,120$148
46 years$11,221$6,515$3,617$1,941$1,017$127
47 years$10,858$6,218$3,398$1,794$924$110
48 years$10,511$5,936$3,194$1,657$839$94
49 years$10,179$5,668$3,002$1,532$762$81
50 years$9,861$5,415$2,822$1,416$692$70

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,100,000, adding $3,592 every year, while hoping to spend $43,386 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: 76/11/13 Blend
34$10,100,000$10,100,000$10,100,000$10,100,000
35$11,133,905$10,598,605$10,442,055$11,950,460
36$12,223,401$11,071,774$10,745,702$12,962,682
37$13,422,572$11,566,675$11,058,066$14,066,212
38$14,742,557$12,084,326$11,379,395$15,274,762
39$16,195,635$12,625,794$11,709,941$16,598,769
40$17,795,330$13,192,198$12,049,965$18,049,726
41$19,556,548$13,784,710$12,399,733$19,640,288
42$21,495,712$14,404,558$12,759,520$21,384,388
43$23,630,920$15,053,026$13,129,609$23,297,370
44$25,982,112$15,731,462$13,510,289$25,396,129
45$28,571,262$16,441,278$13,901,858$27,699,272
46$31,422,582$17,183,953$14,304,623$30,227,288
47$34,562,755$17,961,036$14,718,897$33,002,746
48$38,021,180$18,774,151$15,145,004$36,050,500
49$41,830,255$19,624,999$15,583,276$39,397,924
50$46,025,679$20,515,362$16,034,054$43,075,168
51$50,646,792$21,447,108$16,497,688$47,115,444
52$55,736,942$22,422,194$16,974,538$51,555,332
53$61,343,900$23,442,671$17,464,975$56,435,125
54$67,520,304$24,510,688$17,969,378$61,799,209
55$74,324,159$25,628,496$18,488,136$67,696,477
56$81,819,387$26,798,456$19,021,652$74,180,791
57$90,076,424$28,023,040$19,570,337$81,311,484
58$99,172,890$29,304,839$20,134,614$89,153,920
59$109,194,318$30,646,570$20,714,917$97,780,106
60$120,234,965$32,051,078$21,311,693$107,269,374
61$132,398,696$33,521,346$21,925,400$117,709,118
62$145,799,971$35,060,499$22,556,508$129,195,625
63$160,564,919$36,671,815$23,205,502$141,834,973
64$176,832,532$38,358,725$23,872,878$155,744,036
65$194,755,976$40,124,829$24,559,145$171,051,575
66$214,504,037$41,973,897$25,264,829$187,899,460
67$236,262,714$43,909,883$25,990,465$206,443,994
68$260,236,972$45,936,929$26,736,607$226,857,396
69$286,652,682$48,059,377$27,503,822$249,329,412
70$315,758,748$50,281,778$28,292,692$274,069,109
71$347,829,458$52,608,903$29,103,815$301,306,840
72$383,167,075$55,045,752$29,937,806$331,296,415
73$422,104,688$57,597,565$30,795,294$364,317,494
74$465,009,357$60,269,837$31,676,926$400,678,217
75$512,285,576$63,068,324$32,583,369$440,718,111
76$564,379,096$65,999,063$33,515,302$484,811,289
77$621,781,127$69,068,380$34,473,428$533,369,975
78$685,032,980$72,282,908$35,458,465$586,848,388
79$754,731,171$75,649,598$36,471,152$645,747,026
80$831,533,061$79,175,739$37,512,245$710,617,383
81$916,163,051$82,868,968$38,582,524$782,067,148
82$1,009,419,430$86,737,294$39,682,786$860,765,935
83$1,112,181,903$90,789,113$40,813,850$947,451,593
84$1,225,419,901$95,033,224$41,976,559$1,042,937,170
85$1,350,201,732$99,478,853$43,171,774$1,148,118,576
86$1,487,704,663$104,135,671$44,400,383$1,263,983,031
87$1,639,226,037$109,013,818$45,663,295$1,391,618,378
88$1,806,195,520$114,123,922$46,961,442$1,532,223,344
89$1,990,188,596$119,477,126$48,295,782$1,687,118,843
90$2,192,941,440$125,085,114$49,667,299$1,857,760,438
91$2,416,367,314$130,960,131$51,077,000$2,045,752,071
92$2,662,574,621$137,115,018$52,525,921$2,252,861,196
93$2,933,886,815$143,563,237$54,015,122$2,481,035,447
94$3,232,864,335$150,318,900$55,545,693$2,732,421,018
95$3,562,328,775$157,396,804$57,118,752$3,009,382,911
96$3,925,389,525$164,812,463$58,735,445$3,314,527,245
97$4,325,473,123$172,582,139$60,396,949$3,650,725,849
98$4,766,355,604$180,722,887$62,104,470$4,021,143,362
99$5,252,198,152$189,252,585$63,859,245$4,429,267,085
100$5,787,586,379$198,189,977$65,662,546$4,878,939,897