Can I retire at age 35 with 10,900,000?

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 $10,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$900,112$892,094$884,272$876,637$869,181$842,708
2 years$445,600$437,301$429,258$421,460$413,896$387,452
3 years$294,116$285,781$277,758$270,033$262,593$237,007
4 years$218,389$210,079$202,137$194,544$187,283$162,752
5 years$172,964$164,705$156,867$149,428$142,370$118,960
6 years$142,691$134,494$126,772$119,499$112,652$90,384
7 years$121,076$112,948$105,348$98,247$91,616$70,488
8 years$104,872$96,817$89,343$82,417$76,005$56,003
9 years$92,275$84,297$76,951$70,201$64,007$45,111
10 years$82,204$74,303$67,088$60,514$54,537$36,719
11 years$73,969$66,148$59,063$52,665$46,904$30,133
12 years$67,112$59,371$52,417$46,194$40,646$24,888
13 years$61,314$53,654$46,831$40,783$35,444$20,662
14 years$56,349$48,770$42,078$36,202$31,070$17,225
15 years$52,049$44,552$37,991$32,286$27,356$14,409
16 years$48,291$40,876$34,444$28,909$24,178$12,087
17 years$44,978$37,645$31,343$25,974$21,438$10,163
18 years$42,037$34,786$28,612$23,408$19,061$8,561
19 years$39,408$32,239$26,193$21,151$16,990$7,224
20 years$37,046$29,958$24,039$19,156$15,176$6,103
21 years$34,911$27,905$22,111$17,386$13,580$5,163
22 years$32,972$26,048$20,379$15,808$12,173$4,371
23 years$31,205$24,362$18,816$14,396$10,927$3,704
24 years$29,588$22,826$17,402$13,130$9,822$3,140
25 years$28,102$21,421$16,117$11,991$8,838$2,664
26 years$26,733$20,132$14,948$10,964$7,961$2,261
27 years$25,467$18,947$13,881$10,036$7,177$1,920
28 years$24,294$17,853$12,904$9,195$6,476$1,631
29 years$23,203$16,843$12,008$8,432$5,848$1,386
30 years$22,188$15,906$11,185$7,738$5,284$1,178
31 years$21,239$15,037$10,428$7,107$4,777$1,001
32 years$20,352$14,228$9,729$6,532$4,321$851
33 years$19,520$13,474$9,084$6,006$3,911$724
34 years$18,739$12,770$8,488$5,526$3,541$616
35 years$18,004$12,112$7,935$5,087$3,207$524
36 years$17,312$11,496$7,423$4,685$2,906$445
37 years$16,658$10,919$6,948$4,317$2,634$379
38 years$16,041$10,377$6,507$3,979$2,388$322
39 years$15,456$9,867$6,096$3,669$2,165$274
40 years$14,902$9,388$5,714$3,384$1,964$233
41 years$14,376$8,936$5,358$3,122$1,782$198
42 years$13,877$8,511$5,026$2,881$1,617$169
43 years$13,403$8,109$4,716$2,660$1,467$144
44 years$12,951$7,730$4,427$2,456$1,332$122
45 years$12,520$7,371$4,157$2,268$1,209$104
46 years$12,110$7,032$3,904$2,095$1,098$89
47 years$11,718$6,710$3,668$1,936$997$75
48 years$11,343$6,406$3,447$1,789$905$64
49 years$10,985$6,117$3,240$1,653$822$55
50 years$10,642$5,843$3,046$1,528$747$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,900,000, adding $6,323 every year, while hoping to spend $39,623 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: 76/13/11 Blend
34$10,900,000$10,900,000$10,900,000$10,900,000
35$12,018,322$11,440,622$11,271,672$12,906,592
36$13,202,032$11,959,054$11,607,115$14,011,069
37$14,505,153$12,501,561$11,952,466$15,215,818
38$15,939,822$13,069,281$12,308,018$16,535,343
39$17,519,415$13,663,407$12,674,067$17,981,043
40$19,258,668$14,285,187$13,050,921$19,565,465
41$21,173,822$14,935,931$13,438,897$21,302,425
42$23,282,771$15,617,010$13,838,319$23,207,135
43$25,605,233$16,329,863$14,249,522$25,296,343
44$28,162,937$17,075,996$14,672,850$27,588,491
45$30,979,824$17,856,987$15,108,658$30,103,888
46$34,082,277$18,674,491$15,557,310$32,864,897
47$37,499,371$19,530,243$16,019,181$35,896,146
48$41,263,140$20,426,057$16,494,657$39,224,758
49$45,408,886$21,363,841$16,984,134$42,880,604
50$49,975,512$22,345,588$17,488,022$46,896,583
51$55,005,883$23,373,390$18,006,739$51,308,931
52$60,547,237$24,449,441$18,540,719$56,157,558
53$66,651,628$25,576,036$19,090,406$61,486,423
54$73,376,417$26,755,585$19,656,258$67,343,950
55$80,784,813$27,990,611$20,238,744$73,783,474
56$88,946,473$29,283,759$20,838,351$80,863,749
57$97,938,152$30,637,802$21,455,574$88,649,496
58$107,844,435$32,055,646$22,090,928$97,212,011
59$118,758,532$33,540,337$22,744,938$106,629,834
60$130,783,156$35,095,068$23,418,148$116,989,488
61$144,031,497$36,723,185$24,111,115$128,386,289
62$158,628,285$38,428,196$24,824,412$140,925,247
63$174,710,971$40,213,779$25,558,631$154,722,048
64$192,431,023$42,083,787$26,314,378$169,904,145
65$211,955,355$44,042,260$27,092,278$186,611,953
66$233,467,905$46,093,435$27,892,973$205,000,176
67$257,171,368$48,241,750$28,717,124$225,239,254
68$283,289,111$50,491,858$29,565,410$247,516,975
69$312,067,280$52,848,640$30,438,532$272,040,236
70$343,777,128$55,317,208$31,337,208$299,036,996
71$378,717,568$57,902,924$32,262,177$328,758,416
72$417,218,000$60,611,408$33,214,201$361,481,230
73$459,641,421$63,448,552$34,194,061$397,510,345
74$506,387,847$66,420,533$35,202,564$437,181,719
75$557,898,094$69,533,824$36,240,535$480,865,520
76$614,657,934$72,795,216$37,308,828$528,969,616
77$677,202,686$76,211,825$38,408,316$581,943,417
78$746,122,266$79,791,110$39,539,901$640,282,110
79$822,066,758$83,540,896$40,704,509$704,531,326
80$905,752,549$87,469,382$41,903,092$775,292,279
81$997,969,093$91,585,165$43,136,629$853,227,438
82$1,099,586,362$95,897,260$44,406,128$939,066,766
83$1,211,563,062$100,415,117$45,712,624$1,033,614,606
84$1,334,955,681$105,148,644$47,057,184$1,137,757,259
85$1,470,928,462$110,108,229$48,440,901$1,252,471,344
86$1,620,764,397$115,304,763$49,864,902$1,378,833,007
87$1,785,877,336$120,749,667$51,330,347$1,518,028,064
88$1,967,825,336$126,454,913$52,838,426$1,671,363,189
89$2,168,325,370$132,433,054$54,390,363$1,840,278,232
90$2,389,269,536$138,697,251$55,987,418$2,026,359,802
91$2,632,742,919$145,261,307$57,630,887$2,231,356,228
92$2,901,043,275$152,139,690$59,322,100$2,457,194,054
93$3,196,702,726$159,347,571$61,062,428$2,705,996,205
94$3,522,511,662$166,900,860$62,853,277$2,980,102,021
95$3,881,545,085$174,816,235$64,696,095$3,282,089,316
96$4,277,191,639$183,111,187$66,592,370$3,614,798,704
97$4,713,185,604$191,804,053$68,543,632$3,981,360,393
98$5,193,642,147$200,914,063$70,551,455$4,385,223,720
99$5,723,096,174$210,461,379$72,617,456$4,830,189,692
100$6,306,545,140$220,467,143$74,743,298$5,320,446,854