Can I retire at age 35 with 10,800,000?

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 $10,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$891,854$883,910$876,159$868,594$861,207$849,039
2 years$441,512$433,289$425,320$417,593$410,099$397,862
3 years$291,417$283,159$275,210$267,556$260,183$248,260
4 years$216,385$208,152$200,283$192,759$185,565$174,046
5 years$171,377$163,194$155,427$148,057$141,064$129,983
6 years$141,382$133,260$125,608$118,403$111,619$100,990
7 years$119,965$111,911$104,381$97,345$90,776$80,602
8 years$103,910$95,929$88,524$81,661$75,307$65,587
9 years$91,429$83,523$76,245$69,557$63,420$54,148
10 years$81,450$73,622$66,472$59,959$54,037$45,207
11 years$73,291$65,541$58,521$52,182$46,473$38,077
12 years$66,496$58,826$51,936$45,771$40,273$32,301
13 years$60,752$53,162$46,401$40,409$35,119$27,559
14 years$55,832$48,322$41,692$35,870$30,785$23,626
15 years$51,572$44,143$37,642$31,990$27,105$20,335
16 years$47,848$40,501$34,128$28,644$23,956$17,562
17 years$44,566$37,300$31,055$25,736$21,241$15,209
18 years$41,651$34,467$28,349$23,193$18,886$13,203
19 years$39,047$31,943$25,953$20,957$16,834$11,486
20 years$36,706$29,683$23,818$18,981$15,036$10,009
21 years$34,590$27,649$21,908$17,226$13,456$8,735
22 years$32,670$25,809$20,192$15,663$12,061$7,634
23 years$30,919$24,139$18,643$14,264$10,827$6,679
24 years$29,316$22,616$17,242$13,010$9,731$5,849
25 years$27,844$21,224$15,970$11,881$8,757$5,127
26 years$26,487$19,948$14,811$10,864$7,888$4,497
27 years$25,233$18,773$13,753$9,944$7,112$3,947
28 years$24,071$17,690$12,785$9,111$6,417$3,467
29 years$22,991$16,688$11,898$8,355$5,794$3,046
30 years$21,984$15,760$11,082$7,667$5,235$2,678
31 years$21,044$14,899$10,332$7,042$4,733$2,355
32 years$20,165$14,097$9,640$6,472$4,282$2,071
33 years$19,341$13,350$9,001$5,951$3,875$1,823
34 years$18,567$12,653$8,410$5,476$3,508$1,604
35 years$17,839$12,001$7,863$5,041$3,178$1,412
36 years$17,153$11,391$7,355$4,642$2,879$1,244
37 years$16,505$10,819$6,884$4,277$2,609$1,095
38 years$15,893$10,282$6,447$3,942$2,366$965
39 years$15,314$9,777$6,040$3,635$2,145$850
40 years$14,765$9,302$5,661$3,353$1,946$749
41 years$14,245$8,854$5,309$3,093$1,765$660
42 years$13,750$8,433$4,980$2,855$1,602$581
43 years$13,280$8,035$4,673$2,635$1,454$512
44 years$12,832$7,659$4,386$2,433$1,320$452
45 years$12,405$7,303$4,118$2,247$1,198$398
46 years$11,998$6,967$3,868$2,076$1,088$351
47 years$11,610$6,649$3,634$1,918$988$309
48 years$11,239$6,347$3,415$1,772$897$273
49 years$10,884$6,061$3,210$1,638$815$240
50 years$10,545$5,790$3,018$1,514$740$212

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,800,000, adding $5,735 every year, while hoping to spend $28,872 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: 83/9/8 Blend
34$10,800,000$10,800,000$10,800,000$10,800,000
35$11,907,516$11,335,116$11,167,716$12,884,281
36$13,091,363$11,859,817$11,511,115$14,048,389
37$14,394,994$12,409,261$11,865,050$15,321,993
38$15,830,598$12,984,629$12,229,843$16,719,656
39$17,411,604$13,587,161$12,605,828$18,253,805
40$19,152,811$14,218,155$12,993,346$19,938,127
41$21,070,525$14,878,972$13,392,751$21,787,694
42$23,182,716$15,571,039$13,804,406$23,819,108
43$25,509,186$16,295,852$14,228,685$26,050,653
44$28,071,752$17,054,978$14,665,976$28,502,464
45$30,894,460$17,850,061$15,116,676$31,196,724
46$34,003,806$18,682,825$15,581,194$34,157,863
47$37,428,984$19,555,074$16,059,955$37,412,791
48$41,202,170$20,468,702$16,553,393$40,991,151
49$45,358,818$21,425,694$17,061,958$44,925,597
50$49,937,994$22,428,131$17,586,111$49,252,096
51$54,982,754$23,478,193$18,126,329$54,010,274
52$60,540,537$24,578,167$18,683,104$59,243,781
53$66,663,625$25,730,451$19,256,941$65,000,703
54$73,409,629$26,937,557$19,848,363$71,334,014
55$80,842,034$28,202,120$20,457,906$78,302,078
56$89,030,800$29,526,902$21,086,124$85,969,188
57$98,053,021$30,914,799$21,733,588$94,406,181
58$107,993,652$32,368,848$22,400,887$103,691,098
59$118,946,313$33,892,230$23,088,625$113,909,920
60$131,014,171$35,488,283$23,797,428$125,157,375
61$144,310,913$37,160,506$24,527,939$137,537,833
62$158,961,822$38,912,566$25,280,820$151,166,287
63$175,104,956$40,748,310$26,056,756$166,169,432
64$192,892,455$42,671,770$26,856,450$182,686,863
65$212,491,972$44,687,174$27,680,628$200,872,386
66$234,088,261$46,798,954$28,530,037$220,895,468
67$257,884,918$49,011,757$29,405,448$242,942,834
68$284,106,304$51,330,456$30,307,654$267,220,221
69$312,999,660$53,760,162$31,237,474$293,954,323
70$344,837,445$56,306,230$32,195,749$323,394,924
71$379,919,907$58,974,278$33,183,349$355,817,248
72$418,577,915$61,770,195$34,201,169$391,524,561
73$461,176,084$64,700,156$35,250,130$430,851,019
74$508,116,218$67,770,637$36,331,183$474,164,827
75$559,841,101$70,988,427$37,445,306$521,871,705
76$616,838,679$74,360,646$38,593,509$574,418,711
77$679,646,664$77,894,757$39,776,831$632,298,462
78$748,857,612$81,598,588$40,996,343$696,053,773
79$825,124,517$85,480,348$42,253,149$766,282,776
80$909,166,974$89,548,641$43,548,387$843,644,565
81$1,001,777,974$93,812,493$44,883,226$928,865,404
82$1,103,831,389$98,281,367$46,258,876$1,022,745,585
83$1,216,290,223$102,965,186$47,676,580$1,126,166,966
84$1,340,215,701$107,874,355$49,137,621$1,240,101,299
85$1,476,777,289$113,019,785$50,643,318$1,365,619,385
86$1,627,263,736$118,412,919$52,195,033$1,503,901,187
87$1,793,095,239$124,065,753$53,794,168$1,656,246,948
88$1,975,836,849$129,990,871$55,442,168$1,824,089,468
89$2,177,213,248$136,201,465$57,140,522$2,009,007,613
90$2,399,125,034$142,711,370$58,890,763$2,212,741,216
91$2,643,666,656$149,535,096$60,694,473$2,437,207,489
92$2,913,146,197$156,687,858$62,553,279$2,684,519,113
93$3,210,107,155$164,185,609$64,468,860$2,957,004,169
94$3,537,352,462$172,045,081$66,442,944$3,257,228,112
95$3,897,970,943$180,283,820$68,477,313$3,588,017,970
96$4,295,366,478$188,920,226$70,573,802$3,952,489,024
97$4,733,290,137$197,973,595$72,734,302$4,354,074,207
98$5,215,875,591$207,464,162$74,960,762$4,796,556,496
99$5,747,678,143$217,413,147$77,255,189$5,284,104,612
100$6,333,717,727$227,842,804$79,619,650$5,821,312,362