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%19.9%
1 years$834,049$826,619$819,371$812,296$805,388$773,433
2 years$412,895$405,206$397,753$390,527$383,518$351,721
3 years$272,529$264,806$257,372$250,214$243,320$212,680
4 years$202,360$194,661$187,301$180,265$173,538$144,290
5 years$160,269$152,616$145,353$138,461$131,921$104,138
6 years$132,218$124,623$117,467$110,728$104,384$78,086
7 years$112,190$104,658$97,616$91,036$84,892$60,068
8 years$97,175$89,711$82,786$76,368$70,426$47,051
9 years$85,503$78,110$71,303$65,048$59,309$37,347
10 years$76,171$68,850$62,164$56,072$50,534$29,942
11 years$68,540$61,293$54,728$48,800$43,461$24,192
12 years$62,186$55,013$48,570$42,804$37,663$19,664
13 years$56,814$49,716$43,394$37,789$32,843$16,059
14 years$52,213$45,190$38,990$33,545$28,790$13,166
15 years$48,229$41,282$35,202$29,917$25,349$10,827
16 years$44,747$37,876$31,916$26,787$22,403$8,926
17 years$41,677$34,882$29,042$24,068$19,864$7,373
18 years$38,952$32,233$26,512$21,690$17,662$6,101
19 years$36,516$29,873$24,270$19,599$15,743$5,055
20 years$34,327$27,759$22,274$17,750$14,062$4,193
21 years$32,348$25,857$20,488$16,110$12,584$3,482
22 years$30,552$24,136$18,883$14,647$11,280$2,893
23 years$28,915$22,574$17,435$13,340$10,125$2,405
24 years$27,416$21,151$16,124$12,167$9,101$2,001
25 years$26,039$19,849$14,934$11,111$8,189$1,665
26 years$24,771$18,655$13,851$10,159$7,377$1,386
27 years$23,598$17,556$12,862$9,299$6,651$1,155
28 years$22,511$16,543$11,957$8,520$6,001$962
29 years$21,500$15,607$11,127$7,813$5,419$801
30 years$20,559$14,739$10,364$7,170$4,896$668
31 years$19,680$13,933$9,662$6,586$4,427$556
32 years$18,858$13,183$9,015$6,052$4,004$464
33 years$18,088$12,485$8,417$5,566$3,624$387
34 years$17,364$11,833$7,865$5,121$3,281$322
35 years$16,683$11,223$7,353$4,714$2,972$269
36 years$16,041$10,653$6,878$4,341$2,692$224
37 years$15,436$10,117$6,438$4,000$2,440$187
38 years$14,863$9,615$6,029$3,687$2,212$156
39 years$14,322$9,143$5,649$3,400$2,006$130
40 years$13,808$8,699$5,294$3,136$1,820$108
41 years$13,321$8,281$4,964$2,893$1,651$90
42 years$12,859$7,886$4,657$2,670$1,498$75
43 years$12,419$7,514$4,370$2,465$1,360$63
44 years$12,000$7,162$4,102$2,276$1,234$52
45 years$11,601$6,830$3,851$2,102$1,120$44
46 years$11,221$6,515$3,617$1,941$1,017$36
47 years$10,858$6,218$3,398$1,794$924$30
48 years$10,511$5,936$3,194$1,657$839$25
49 years$10,179$5,668$3,002$1,532$762$21
50 years$9,861$5,415$2,822$1,416$692$18

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 $2,114 every year, while hoping to spend $29,195 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: 37/34/29 Blend
34$10,100,000$10,100,000$10,100,000$10,100,000
35$11,132,381$10,597,081$10,440,531$11,447,715
36$12,236,820$11,085,274$10,759,225$12,169,808
37$13,452,934$11,596,411$11,087,617$12,946,455
38$14,792,082$12,131,584$11,426,002$13,784,838
39$16,266,783$12,691,940$11,774,680$14,690,559
40$17,890,828$13,278,678$12,133,966$15,669,766
41$19,679,419$13,893,060$12,504,180$16,729,201
42$21,649,303$14,536,403$12,885,654$17,876,263
43$23,818,937$15,210,092$13,278,728$19,119,073
44$26,208,658$15,915,576$13,683,755$20,466,546
45$28,840,876$16,654,374$14,101,096$21,928,471
46$31,740,287$17,428,080$14,531,124$23,515,595
47$34,934,104$18,238,363$14,974,224$25,239,727
48$38,452,313$19,086,974$15,430,792$27,113,836
49$42,327,961$19,975,747$15,901,234$29,152,172
50$46,597,460$20,906,606$16,385,973$31,370,395
51$51,300,937$21,881,566$16,885,439$33,785,714
52$56,482,611$22,902,741$17,400,080$36,417,048
53$62,191,208$23,972,347$17,930,354$39,285,191
54$68,480,425$25,092,705$18,476,734$42,413,007
55$75,409,432$26,266,251$19,039,708$45,825,639
56$83,043,433$27,495,537$19,619,777$49,550,732
57$91,454,283$28,783,238$20,217,460$53,618,695
58$100,721,163$30,132,160$20,833,288$58,062,972
59$110,931,329$31,545,243$21,467,810$62,920,356
60$122,180,935$33,025,570$22,121,592$68,231,320
61$134,575,941$34,576,374$22,795,216$74,040,396
62$148,233,113$36,201,042$23,489,282$80,396,584
63$163,281,125$37,903,127$24,204,408$87,353,801
64$179,861,774$39,686,354$24,941,229$94,971,381
65$198,131,317$41,554,628$25,700,402$103,314,628
66$218,261,948$43,512,041$26,482,602$112,455,414
67$240,443,422$45,562,887$27,288,525$122,472,849
68$264,884,847$47,711,665$28,118,887$133,454,015
69$291,816,659$49,963,093$28,974,427$145,494,774
70$321,492,791$52,322,118$29,855,904$158,700,657
71$354,193,081$54,793,927$30,764,101$173,187,848
72$390,225,903$57,383,957$31,699,826$189,084,268
73$429,931,084$60,097,910$32,663,910$206,530,759
74$473,683,112$62,941,765$33,657,207$225,682,404
75$521,894,666$65,921,788$34,680,601$246,709,968
76$575,020,519$69,044,553$35,734,998$269,801,498
77$633,561,826$72,316,950$36,821,334$295,164,071
78$698,070,856$75,746,204$37,940,573$323,025,738
79$769,156,208$79,339,893$39,093,707$353,637,646
80$847,488,552$83,105,959$40,281,757$387,276,396
81$933,806,966$87,052,732$41,505,777$424,246,625
82$1,028,925,907$91,188,946$42,766,851$464,883,860
83$1,133,742,905$95,523,760$44,066,096$509,557,662
84$1,249,247,033$100,066,776$45,404,662$558,675,085
85$1,376,528,247$104,828,064$46,783,735$612,684,495
86$1,516,787,671$109,818,183$48,204,533$672,079,770
87$1,671,348,944$115,048,204$49,668,315$737,404,936
88$1,841,670,708$120,529,738$51,176,375$809,259,269
89$2,029,360,383$126,274,958$52,730,047$888,302,920
90$2,236,189,341$132,296,630$54,330,703$975,263,115
91$2,464,109,631$138,608,142$55,979,758$1,070,940,979
92$2,715,272,403$145,223,531$57,678,670$1,176,219,067
93$2,992,048,221$152,157,516$59,428,938$1,292,069,653
94$3,297,049,440$159,425,535$61,232,108$1,419,563,866
95$3,633,154,872$167,043,775$63,089,772$1,559,881,765
96$4,003,536,958$175,029,209$65,003,569$1,714,323,426
97$4,411,691,726$183,399,639$66,975,187$1,884,321,176
98$4,861,471,792$192,173,731$69,006,366$2,071,453,058
99$5,357,122,731$201,371,060$71,098,895$2,277,457,683
100$5,903,323,162$211,012,154$73,254,620$2,504,250,585