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%16.5%
1 years$883,596$875,725$868,047$860,552$853,233$830,585
2 years$437,424$429,277$421,382$413,727$406,301$383,642
3 years$288,719$280,537$272,662$265,079$257,774$235,813
4 years$214,381$206,225$198,428$190,974$183,847$162,752
5 years$169,790$161,683$153,988$146,687$139,757$119,587
6 years$140,073$132,026$124,445$117,306$110,585$91,359
7 years$118,854$110,875$103,415$96,444$89,935$71,654
8 years$102,948$95,041$87,704$80,905$74,610$57,265
9 years$90,582$82,750$75,539$68,913$62,833$46,408
10 years$80,696$72,940$65,857$59,403$53,536$38,012
11 years$72,612$64,934$57,979$51,699$46,043$31,395
12 years$65,881$58,281$51,455$45,347$39,900$26,102
13 years$60,189$52,669$45,972$40,034$34,794$21,817
14 years$55,315$47,875$41,306$35,538$30,500$18,314
15 years$51,094$43,735$37,294$31,694$26,854$15,428
16 years$47,405$40,126$33,812$28,378$23,734$13,035
17 years$44,153$36,954$30,768$25,498$21,044$11,040
18 years$41,266$34,147$28,087$22,979$18,712$9,370
19 years$38,685$31,648$25,712$20,763$16,678$7,965
20 years$36,366$29,408$23,597$18,805$14,897$6,781
21 years$34,270$27,393$21,705$17,067$13,331$5,781
22 years$32,367$25,570$20,005$15,518$11,950$4,932
23 years$30,633$23,915$18,471$14,132$10,727$4,212
24 years$29,045$22,407$17,082$12,889$9,641$3,600
25 years$27,586$21,028$15,822$11,771$8,676$3,079
26 years$26,242$19,763$14,674$10,763$7,815$2,634
27 years$25,000$18,599$13,626$9,852$7,046$2,255
28 years$23,848$17,526$12,667$9,026$6,357$1,931
29 years$22,778$16,534$11,788$8,277$5,741$1,654
30 years$21,781$15,614$10,980$7,596$5,187$1,418
31 years$20,850$14,761$10,236$6,977$4,690$1,215
32 years$19,979$13,967$9,551$6,412$4,242$1,042
33 years$19,162$13,227$8,917$5,896$3,839$893
34 years$18,395$12,536$8,332$5,425$3,476$766
35 years$17,674$11,890$7,790$4,994$3,148$657
36 years$16,994$11,285$7,287$4,599$2,852$564
37 years$16,353$10,718$6,821$4,238$2,585$483
38 years$15,746$10,186$6,387$3,906$2,344$415
39 years$15,172$9,686$5,984$3,602$2,125$356
40 years$14,629$9,216$5,609$3,322$1,928$305
41 years$14,113$8,772$5,259$3,065$1,749$262
42 years$13,623$8,355$4,933$2,828$1,587$225
43 years$13,157$7,960$4,629$2,611$1,440$193
44 years$12,713$7,588$4,345$2,411$1,307$166
45 years$12,290$7,236$4,080$2,226$1,187$142
46 years$11,887$6,903$3,832$2,057$1,078$122
47 years$11,503$6,587$3,600$1,900$979$105
48 years$11,135$6,288$3,383$1,756$889$90
49 years$10,783$6,005$3,180$1,623$807$77
50 years$10,447$5,736$2,990$1,500$733$66

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 $2,998 every year, while hoping to spend $58,421 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: 29/47/24 Blend
34$10,700,000$10,700,000$10,700,000$10,700,000
35$11,794,492$11,227,392$11,061,542$12,048,243
36$12,935,371$11,715,375$11,369,945$12,733,888
37$14,190,662$12,225,311$11,686,720$13,465,160
38$15,571,972$12,758,214$12,012,088$14,250,163
39$17,092,092$13,315,146$12,346,273$15,093,564
40$18,765,116$13,897,219$12,689,503$16,000,474
41$20,606,572$14,505,596$13,042,015$16,976,486
42$22,633,570$15,141,498$13,404,050$18,027,731
43$24,864,963$15,806,200$13,775,855$19,160,923
44$27,321,525$16,501,040$14,157,682$20,383,424
45$30,026,147$17,227,418$14,549,791$21,703,304
46$33,004,053$17,986,800$14,952,448$23,129,413
47$36,283,034$18,780,721$15,365,923$24,671,457
48$39,893,718$19,610,791$15,790,496$26,340,087
49$43,869,851$20,478,693$16,226,450$28,146,988
50$48,248,619$21,386,192$16,674,080$30,104,986
51$53,070,998$22,335,135$17,133,682$32,228,163
52$58,382,142$23,327,459$17,605,562$34,531,978
53$64,231,807$24,365,191$18,090,035$37,033,411
54$70,674,821$25,450,455$18,587,420$39,751,109
55$77,771,599$26,585,474$19,098,046$42,705,559
56$85,588,720$27,772,580$19,622,248$45,919,271
57$94,199,546$29,014,213$20,160,370$49,416,978
58$103,684,921$30,312,931$20,712,764$53,225,864
59$114,133,930$31,671,412$21,279,788$57,375,810
60$125,644,742$33,092,462$21,861,813$61,899,663
61$138,325,536$34,579,022$22,459,213$66,833,539
62$152,295,519$36,134,173$23,072,375$72,217,149
63$167,686,054$37,761,140$23,701,692$78,094,161
64$184,641,901$39,463,305$24,347,568$84,512,607
65$203,322,577$41,244,209$25,010,414$91,525,312
66$223,903,870$43,107,565$25,690,653$99,190,390
67$246,579,490$45,057,261$26,388,715$107,571,772
68$271,562,902$47,097,371$27,105,041$116,739,794
69$299,089,339$49,232,164$27,840,081$126,771,850
70$329,418,025$51,466,112$28,594,296$137,753,101
71$362,834,615$53,803,904$29,368,158$149,777,265
72$399,653,901$56,250,450$30,162,146$162,947,486
73$440,222,773$58,810,897$30,976,752$177,377,281
74$484,923,502$61,490,637$31,812,479$193,191,600
75$534,177,343$64,295,321$32,669,841$210,527,981
76$588,448,512$67,230,872$33,549,360$229,537,830
77$648,248,570$70,303,495$34,451,574$250,387,824
78$714,141,251$73,519,693$35,377,029$273,261,462
79$786,747,782$76,886,281$36,326,283$298,360,777
80$866,752,750$80,410,403$37,299,907$325,908,210
81$954,910,559$84,099,542$38,298,483$356,148,691
82$1,052,052,560$87,961,543$39,322,606$389,351,917
83$1,159,094,891$92,004,628$40,372,882$425,814,872
84$1,277,047,127$96,237,412$41,449,932$465,864,599
85$1,407,021,815$100,668,927$42,554,386$509,861,254
86$1,550,244,972$105,308,636$43,686,889$558,201,475
87$1,708,067,659$110,166,459$44,848,100$611,322,089
88$1,881,978,738$115,252,793$46,038,689$669,704,198
89$2,073,618,924$120,578,535$47,259,340$733,877,685
90$2,284,796,278$126,155,106$48,510,751$804,426,175
91$2,517,503,270$131,994,479$49,793,633$881,992,502
92$2,773,935,596$138,109,200$51,108,712$967,284,731
93$3,056,512,899$144,512,423$52,456,726$1,061,082,803
94$3,367,901,617$151,217,934$53,838,429$1,164,245,841
95$3,711,040,153$158,240,184$55,254,587$1,277,720,215
96$4,089,166,615$165,594,320$56,705,983$1,402,548,424
97$4,505,849,389$173,296,220$58,193,412$1,539,878,878
98$4,965,020,820$181,362,528$59,717,684$1,690,976,684
99$5,471,014,343$189,810,692$61,279,626$1,857,235,529
100$6,028,605,390$198,658,999$62,880,078$2,040,190,770