Can I retire at age 35 with 10,600,000?

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 $10,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$875,338$867,541$859,934$852,509$845,259$824,825
2 years$433,336$425,265$417,444$409,860$402,504$382,040
3 years$286,021$277,916$270,114$262,601$255,365$235,511
4 years$212,378$204,297$196,574$189,189$182,129$163,036
5 years$168,204$160,172$152,549$145,316$138,451$120,175
6 years$138,764$130,792$123,282$116,210$109,552$92,109
7 years$117,743$109,839$102,448$95,543$89,095$72,489
8 years$101,985$94,152$86,884$80,148$73,913$58,136
9 years$89,736$81,977$74,833$68,269$62,245$47,285
10 years$79,942$72,258$65,241$58,848$53,036$38,875
11 years$71,933$64,327$57,438$51,216$45,613$32,231
12 years$65,265$57,737$50,974$44,923$39,527$26,902
13 years$59,627$52,177$45,542$39,660$34,468$22,576
14 years$54,798$47,428$40,920$35,206$30,215$19,030
15 years$50,617$43,326$36,945$31,398$26,603$16,099
16 years$46,962$39,751$33,496$28,113$23,512$13,660
17 years$43,741$36,609$30,480$25,259$20,848$11,620
18 years$40,880$33,828$27,824$22,764$18,537$9,906
19 years$38,324$31,352$25,472$20,569$16,522$8,459
20 years$36,026$29,134$23,377$18,629$14,758$7,235
21 years$33,950$27,137$21,502$16,907$13,207$6,195
22 years$32,065$25,331$19,818$15,373$11,838$5,311
23 years$30,346$23,692$18,298$14,000$10,626$4,557
24 years$28,773$22,198$16,923$12,769$9,551$3,913
25 years$27,328$20,831$15,674$11,661$8,595$3,363
26 years$25,997$19,578$14,537$10,662$7,742$2,891
27 years$24,766$18,425$13,499$9,760$6,980$2,487
28 years$23,625$17,362$12,549$8,942$6,298$2,140
29 years$22,565$16,379$11,678$8,200$5,687$1,842
30 years$21,577$15,468$10,877$7,525$5,139$1,587
31 years$20,655$14,623$10,141$6,912$4,646$1,367
32 years$19,792$13,836$9,461$6,352$4,202$1,178
33 years$18,983$13,103$8,834$5,841$3,803$1,015
34 years$18,223$12,419$8,254$5,374$3,443$875
35 years$17,509$11,779$7,717$4,947$3,119$754
36 years$16,835$11,180$7,219$4,556$2,826$650
37 years$16,200$10,618$6,757$4,198$2,561$560
38 years$15,599$10,091$6,328$3,869$2,322$483
39 years$15,031$9,596$5,928$3,568$2,106$417
40 years$14,492$9,130$5,556$3,291$1,910$359
41 years$13,981$8,690$5,210$3,036$1,733$310
42 years$13,495$8,277$4,887$2,802$1,572$267
43 years$13,034$7,886$4,586$2,587$1,427$231
44 years$12,594$7,517$4,305$2,388$1,295$199
45 years$12,176$7,168$4,042$2,206$1,176$172
46 years$11,776$6,838$3,796$2,037$1,068$148
47 years$11,395$6,526$3,567$1,882$969$128
48 years$11,031$6,230$3,352$1,739$880$110
49 years$10,683$5,949$3,150$1,607$800$95
50 years$10,349$5,683$2,962$1,486$726$82

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,600,000, adding $6,473 every year, while hoping to spend $48,961 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: 28/49/23 Blend
34$10,600,000$10,600,000$10,600,000$10,600,000
35$11,687,877$11,126,077$10,961,777$11,930,593
36$12,827,946$11,619,161$11,276,902$12,614,272
37$14,082,662$12,134,764$11,600,943$13,343,577
38$15,463,665$12,673,940$11,934,147$14,126,148
39$16,983,786$13,237,789$12,276,768$14,966,568
40$18,657,157$13,827,466$12,629,065$15,869,855
41$20,499,355$14,444,180$12,991,306$16,841,499
42$22,527,540$15,089,196$13,363,766$17,887,512
43$24,760,624$15,763,841$13,746,727$19,014,477
44$27,219,444$16,469,506$14,140,478$20,229,609
45$29,926,960$17,207,644$14,545,317$21,540,810
46$32,908,473$17,979,782$14,961,549$22,956,743
47$36,191,863$18,787,518$15,389,487$24,486,908
48$39,807,851$19,632,524$15,829,452$26,141,720
49$43,790,289$20,516,554$16,281,776$27,932,605
50$48,176,480$21,441,447$16,746,796$29,872,097
51$53,007,529$22,409,126$17,224,862$31,973,953
52$58,328,732$23,421,608$17,716,330$34,253,272
53$64,190,002$24,481,006$18,221,567$36,726,626
54$70,646,341$25,589,535$18,740,949$39,412,217
55$77,758,360$26,749,514$19,274,862$42,330,028
56$85,592,846$27,963,373$19,823,703$45,502,014
57$94,223,399$29,233,661$20,387,880$48,952,289
58$103,731,120$30,563,045$20,967,809$52,707,351
59$114,205,383$31,954,323$21,563,918$56,796,314
60$125,744,671$33,410,424$22,176,649$61,251,178
61$138,457,513$34,934,420$22,806,452$66,107,117
62$152,463,501$36,529,529$23,453,790$71,402,797
63$167,894,425$38,199,122$24,119,139$77,180,729
64$184,895,512$39,946,735$24,802,986$83,487,657
65$203,626,799$41,776,070$25,505,831$90,374,985
66$224,264,644$43,691,009$26,228,187$97,899,247
67$247,003,388$45,695,618$26,970,582$106,122,625
68$272,057,192$47,794,162$27,733,555$115,113,521
69$299,662,058$49,991,108$28,517,661$124,947,182
70$330,078,053$52,291,137$29,323,468$135,706,399
71$363,591,769$54,699,158$30,151,558$147,482,264
72$400,519,025$57,220,312$31,002,532$160,375,010
73$441,207,850$59,859,992$31,877,001$174,494,943
74$486,041,765$62,623,846$32,775,595$189,963,457
75$535,443,407$65,517,797$33,698,959$206,914,157
76$589,878,517$68,548,050$34,647,756$225,494,100
77$649,860,333$71,721,113$35,622,664$245,865,157
78$715,954,443$75,043,803$36,624,378$268,205,517
79$788,784,114$78,523,268$37,653,614$292,711,339
80$869,036,186$82,166,999$38,711,101$319,598,578
81$957,467,545$85,982,851$39,797,592$349,104,995
82$1,054,912,278$89,979,054$40,913,854$381,492,371
83$1,162,289,539$94,164,236$42,060,677$417,048,942
84$1,280,612,232$98,547,443$43,238,870$456,092,091
85$1,410,996,567$103,138,156$44,449,260$498,971,308
86$1,554,672,605$107,946,314$45,692,698$546,071,451
87$1,712,995,861$112,982,334$46,970,054$597,816,340
88$1,887,460,109$118,257,138$48,282,221$654,672,720
89$2,079,711,479$123,782,176$49,630,114$717,154,624
90$2,291,563,997$129,569,450$51,014,670$785,828,182
91$2,525,016,713$135,631,542$52,436,850$861,316,915
92$2,782,272,572$141,981,641$53,897,638$944,307,578
93$3,065,759,209$148,633,577$55,398,044$1,035,556,592
94$3,378,151,871$155,601,844$56,939,100$1,135,897,127
95$3,722,398,668$162,901,641$58,521,867$1,246,246,917
96$4,101,748,411$170,548,900$60,147,428$1,367,616,862
97$4,519,781,278$178,560,325$61,816,896$1,501,120,512
98$4,980,442,614$186,953,427$63,531,408$1,647,984,517
99$5,488,080,182$195,746,566$65,292,132$1,809,560,136
100$6,047,485,203$204,958,991$67,100,261$1,987,335,926