Can I retire at age 35 with 10,700,000?

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 $10,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$883,596$875,725$868,047$860,552$853,233$837,376
2 years$437,424$429,277$421,382$413,727$406,301$390,385
3 years$288,719$280,537$272,662$265,079$257,774$242,295
4 years$214,381$206,225$198,428$190,974$183,847$168,923
5 years$169,790$161,683$153,988$146,687$139,757$125,432
6 years$140,073$132,026$124,445$117,306$110,585$96,874
7 years$118,854$110,875$103,415$96,444$89,935$76,842
8 years$102,948$95,041$87,704$80,905$74,610$62,132
9 years$90,582$82,750$75,539$68,913$62,833$50,961
10 years$80,696$72,940$65,857$59,403$53,536$42,261
11 years$72,612$64,934$57,979$51,699$46,043$35,351
12 years$65,881$58,281$51,455$45,347$39,900$29,777
13 years$60,189$52,669$45,972$40,034$34,794$25,222
14 years$55,315$47,875$41,306$35,538$30,500$21,464
15 years$51,094$43,735$37,294$31,694$26,854$18,335
16 years$47,405$40,126$33,812$28,378$23,734$15,713
17 years$44,153$36,954$30,768$25,498$21,044$13,502
18 years$41,266$34,147$28,087$22,979$18,712$11,628
19 years$38,685$31,648$25,712$20,763$16,678$10,034
20 years$36,366$29,408$23,597$18,805$14,897$8,672
21 years$34,270$27,393$21,705$17,067$13,331$7,506
22 years$32,367$25,570$20,005$15,518$11,950$6,505
23 years$30,633$23,915$18,471$14,132$10,727$5,643
24 years$29,045$22,407$17,082$12,889$9,641$4,899
25 years$27,586$21,028$15,822$11,771$8,676$4,257
26 years$26,242$19,763$14,674$10,763$7,815$3,702
27 years$25,000$18,599$13,626$9,852$7,046$3,220
28 years$23,848$17,526$12,667$9,026$6,357$2,803
29 years$22,778$16,534$11,788$8,277$5,741$2,441
30 years$21,781$15,614$10,980$7,596$5,187$2,126
31 years$20,850$14,761$10,236$6,977$4,690$1,853
32 years$19,979$13,967$9,551$6,412$4,242$1,615
33 years$19,162$13,227$8,917$5,896$3,839$1,408
34 years$18,395$12,536$8,332$5,425$3,476$1,228
35 years$17,674$11,890$7,790$4,994$3,148$1,071
36 years$16,994$11,285$7,287$4,599$2,852$935
37 years$16,353$10,718$6,821$4,238$2,585$815
38 years$15,746$10,186$6,387$3,906$2,344$712
39 years$15,172$9,686$5,984$3,602$2,125$621
40 years$14,629$9,216$5,609$3,322$1,928$542
41 years$14,113$8,772$5,259$3,065$1,749$473
42 years$13,623$8,355$4,933$2,828$1,587$413
43 years$13,157$7,960$4,629$2,611$1,440$361
44 years$12,713$7,588$4,345$2,411$1,307$315
45 years$12,290$7,236$4,080$2,226$1,187$275
46 years$11,887$6,903$3,832$2,057$1,078$240
47 years$11,503$6,587$3,600$1,900$979$209
48 years$11,135$6,288$3,383$1,756$889$183
49 years$10,783$6,005$3,180$1,623$807$160
50 years$10,447$5,736$2,990$1,500$733$139

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,700,000, adding $6,372 every year, while hoping to spend $32,866 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: 59/32/9 Blend
34$10,700,000$10,700,000$10,700,000$10,700,000
35$11,797,973$11,230,873$11,065,023$12,469,480
36$12,966,397$11,746,216$11,400,732$13,436,659
37$14,252,899$12,285,710$11,746,586$14,486,471
38$15,669,487$12,850,503$12,102,889$15,630,329
39$17,229,396$13,441,799$12,469,957$16,877,272
40$18,947,207$14,060,859$12,848,113$18,237,234
41$20,838,987$14,709,006$13,237,690$19,721,136
42$22,922,442$15,387,626$13,639,031$21,340,989
43$25,217,083$16,098,172$14,052,491$23,109,997
44$27,744,409$16,842,166$14,478,432$25,042,684
45$30,528,110$17,621,204$14,917,232$27,155,025
46$33,594,293$18,436,958$15,369,274$29,464,590
47$36,971,724$19,291,182$15,834,958$31,990,708
48$40,692,104$20,185,714$16,314,694$34,754,646
49$44,790,365$21,122,480$16,808,902$37,779,801
50$49,304,999$22,103,499$17,318,017$41,091,920
51$54,278,426$23,130,887$17,842,488$44,719,334
52$59,757,389$24,206,864$18,382,774$48,693,223
53$65,793,396$25,333,753$18,939,350$53,047,901
54$72,443,209$26,513,995$19,512,706$57,821,138
55$79,769,379$27,750,143$20,103,344$63,054,507
56$87,840,832$29,044,876$20,711,782$68,793,771
57$96,733,525$30,401,003$21,338,555$75,089,308
58$106,531,161$31,821,468$21,984,212$81,996,579
59$117,325,975$33,309,356$22,649,320$89,576,643
60$129,219,613$34,867,903$23,334,460$97,896,727
61$142,324,083$36,500,500$24,040,234$107,030,851
62$156,762,817$38,210,702$24,767,260$117,060,521
63$172,671,835$40,002,237$25,516,173$128,075,484
64$190,201,028$41,879,012$26,287,631$140,174,568
65$209,515,573$43,845,125$27,082,307$153,466,608
66$230,797,495$45,904,869$27,900,898$168,071,457
67$254,247,379$48,062,747$28,744,118$184,121,112
68$280,086,271$50,323,481$29,612,704$201,760,944
69$308,557,758$52,692,019$30,507,417$221,151,063
70$339,930,271$55,173,549$31,429,037$242,467,810
71$374,499,618$57,773,513$32,378,370$265,905,416
72$412,591,778$60,497,614$33,356,244$291,677,816
73$454,565,973$63,351,831$34,363,512$320,020,659
74$500,818,067$66,342,435$35,401,054$351,193,511
75$551,784,294$69,475,998$36,469,774$385,482,297
76$607,945,384$72,759,414$37,570,603$423,201,976
77$669,831,096$76,199,909$38,704,502$464,699,504
78$738,025,223$79,805,060$39,872,458$510,357,086
79$813,171,099$83,582,810$41,075,488$560,595,766
80$895,977,673$87,541,491$42,314,639$615,879,384
81$987,226,207$91,689,835$43,590,991$676,718,931
82$1,087,777,644$96,037,000$44,905,652$743,677,355
83$1,198,580,739$100,592,589$46,259,768$817,374,847
84$1,320,681,019$105,366,670$47,654,514$898,494,675
85$1,455,230,646$110,369,800$49,091,103$987,789,612
86$1,603,499,300$115,613,048$50,570,783$1,086,089,008
87$1,766,886,163$121,108,022$52,094,839$1,194,306,601
88$1,946,933,129$126,866,892$53,664,593$1,313,449,109
89$2,145,339,359$132,902,422$55,281,409$1,444,625,702
90$2,363,977,326$139,227,992$56,946,688$1,589,058,448
91$2,604,910,485$145,857,636$58,661,874$1,748,093,811
92$2,870,412,763$152,806,068$60,428,455$1,923,215,328
93$3,162,990,017$160,088,718$62,247,960$2,116,057,581
94$3,485,403,698$167,721,764$64,121,966$2,328,421,589
95$3,840,696,918$175,722,174$66,052,095$2,562,291,769
96$4,232,223,182$184,107,738$68,040,018$2,819,854,629
97$4,663,678,042$192,897,113$70,087,455$3,103,519,368
98$5,139,133,993$202,109,863$72,196,175$3,415,940,573
99$5,663,078,916$211,766,502$74,368,003$3,760,043,231
100$6,240,458,449$221,888,544$76,604,815$4,139,050,293