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%13.1%
1 years$900,112$892,094$884,272$876,637$869,181$857,964
2 years$445,600$437,301$429,258$421,460$413,896$402,611
3 years$294,116$285,781$277,758$270,033$262,593$251,591
4 years$218,389$210,079$202,137$194,544$187,283$176,649
5 years$172,964$164,705$156,867$149,428$142,370$132,134
6 years$142,691$134,494$126,772$119,499$112,652$102,827
7 years$121,076$112,948$105,348$98,247$91,616$82,206
8 years$104,872$96,817$89,343$82,417$76,005$67,008
9 years$92,275$84,297$76,951$70,201$64,007$55,419
10 years$82,204$74,303$67,088$60,514$54,537$46,353
11 years$73,969$66,148$59,063$52,665$46,904$39,116
12 years$67,112$59,371$52,417$46,194$40,646$33,245
13 years$61,314$53,654$46,831$40,783$35,444$28,420
14 years$56,349$48,770$42,078$36,202$31,070$24,414
15 years$52,049$44,552$37,991$32,286$27,356$21,056
16 years$48,291$40,876$34,444$28,909$24,178$18,222
17 years$44,978$37,645$31,343$25,974$21,438$15,814
18 years$42,037$34,786$28,612$23,408$19,061$13,758
19 years$39,408$32,239$26,193$21,151$16,990$11,995
20 years$37,046$29,958$24,039$19,156$15,176$10,476
21 years$34,911$27,905$22,111$17,386$13,580$9,164
22 years$32,972$26,048$20,379$15,808$12,173$8,026
23 years$31,205$24,362$18,816$14,396$10,927$7,039
24 years$29,588$22,826$17,402$13,130$9,822$6,178
25 years$28,102$21,421$16,117$11,991$8,838$5,428
26 years$26,733$20,132$14,948$10,964$7,961$4,773
27 years$25,467$18,947$13,881$10,036$7,177$4,199
28 years$24,294$17,853$12,904$9,195$6,476$3,697
29 years$23,203$16,843$12,008$8,432$5,848$3,256
30 years$22,188$15,906$11,185$7,738$5,284$2,870
31 years$21,239$15,037$10,428$7,107$4,777$2,530
32 years$20,352$14,228$9,729$6,532$4,321$2,231
33 years$19,520$13,474$9,084$6,006$3,911$1,968
34 years$18,739$12,770$8,488$5,526$3,541$1,736
35 years$18,004$12,112$7,935$5,087$3,207$1,533
36 years$17,312$11,496$7,423$4,685$2,906$1,353
37 years$16,658$10,919$6,948$4,317$2,634$1,195
38 years$16,041$10,377$6,507$3,979$2,388$1,055
39 years$15,456$9,867$6,096$3,669$2,165$932
40 years$14,902$9,388$5,714$3,384$1,964$823
41 years$14,376$8,936$5,358$3,122$1,782$727
42 years$13,877$8,511$5,026$2,881$1,617$642
43 years$13,403$8,109$4,716$2,660$1,467$568
44 years$12,951$7,730$4,427$2,456$1,332$502
45 years$12,520$7,371$4,157$2,268$1,209$443
46 years$12,110$7,032$3,904$2,095$1,098$392
47 years$11,718$6,710$3,668$1,936$997$346
48 years$11,343$6,406$3,447$1,789$905$306
49 years$10,985$6,117$3,240$1,653$822$270
50 years$10,642$5,843$3,046$1,528$747$239

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 $3,890 every year, while hoping to spend $29,437 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: 47/45/8 Blend
34$10,900,000$10,900,000$10,900,000$10,900,000
35$12,015,813$11,438,113$11,269,163$12,554,274
36$13,210,105$11,967,259$11,615,359$13,453,820
37$14,525,228$12,521,348$11,972,166$14,426,105
38$15,973,476$13,101,569$12,339,908$15,480,583
39$17,568,396$13,709,171$12,718,921$16,624,887
40$19,324,915$14,345,463$13,109,547$17,867,396
41$21,259,482$15,011,816$13,512,142$19,217,305
42$23,390,222$15,709,668$13,927,072$20,684,713
43$25,737,110$16,440,527$14,354,714$22,280,705
44$28,322,154$17,205,972$14,795,457$24,017,461
45$31,169,609$18,007,659$15,249,699$25,908,357
46$34,306,200$18,847,325$15,717,855$27,968,089
47$37,761,377$19,726,789$16,200,348$30,212,805
48$41,567,595$20,647,959$16,697,617$32,660,251
49$45,760,616$21,612,835$17,210,113$35,329,931
50$50,379,848$22,623,514$17,738,301$38,243,285
51$55,468,719$23,682,192$18,282,661$41,423,882
52$61,075,084$24,791,175$18,843,685$44,897,637
53$67,251,677$25,952,878$19,421,884$48,693,047
54$74,056,611$27,169,832$20,017,780$52,841,448
55$81,553,925$28,444,693$20,631,915$57,377,307
56$89,814,186$29,780,244$21,264,845$62,338,533
57$98,915,159$31,179,402$21,917,143$67,766,829
58$108,942,539$32,645,226$22,589,401$73,708,072
59$119,990,760$34,180,924$23,282,228$80,212,739
60$132,163,886$35,789,858$23,996,251$87,336,367
61$145,576,594$37,475,552$24,732,117$95,140,069
62$160,355,255$39,241,704$25,490,492$103,691,099
63$176,639,131$41,092,187$26,272,063$113,063,471
64$194,581,683$43,031,064$27,077,538$123,338,645
65$214,352,023$45,062,595$27,907,644$134,606,284
66$236,136,513$47,191,246$28,763,134$146,965,081
67$260,140,520$49,421,699$29,644,781$160,523,678
68$286,590,355$51,758,865$30,553,383$175,401,675
69$315,735,411$54,207,889$31,489,762$191,730,740
70$347,850,518$56,774,170$32,454,763$209,655,837
71$383,238,533$59,463,367$33,449,260$229,336,572
72$422,233,205$62,281,413$34,474,152$250,948,682
73$465,202,320$65,234,531$35,530,364$274,685,671
74$512,551,176$68,329,243$36,618,851$300,760,618
75$564,726,410$71,572,389$37,740,597$329,408,165
76$622,220,211$74,971,143$38,896,613$360,886,706
77$685,574,968$78,533,025$40,087,945$395,480,802
78$755,388,391$82,265,920$41,315,668$433,503,843
79$832,319,154$86,178,097$42,580,891$475,300,979
80$917,093,112$90,278,227$43,884,754$521,252,344
81$1,010,510,151$94,575,402$45,228,435$571,776,623
82$1,113,451,744$99,079,155$46,613,146$627,334,966
83$1,226,889,271$103,799,483$48,040,135$688,435,311
84$1,351,893,188$108,746,869$49,510,691$755,637,147
85$1,489,643,132$113,932,304$51,026,138$829,556,753
86$1,641,439,061$119,367,317$52,587,843$910,872,983
87$1,808,713,524$125,063,993$54,197,214$1,000,333,635
88$1,993,045,183$131,035,009$55,855,700$1,098,762,465
89$2,196,173,722$137,293,654$57,564,797$1,207,066,922
90$2,420,016,267$143,853,869$59,326,043$1,326,246,670
91$2,666,685,485$150,730,268$61,141,024$1,457,402,974
92$2,938,509,532$157,938,178$63,011,376$1,601,749,051
93$3,238,054,029$165,493,673$64,938,782$1,760,621,464
94$3,568,146,285$173,413,608$66,924,976$1,935,492,691
95$3,931,901,989$181,715,659$68,971,746$2,127,984,963
96$4,332,754,626$190,418,360$71,080,934$2,339,885,523
97$4,774,487,889$199,541,151$73,254,436$2,573,163,428
98$5,261,271,402$209,104,415$75,494,208$2,829,988,080
99$5,797,700,084$219,129,531$77,802,263$3,112,749,628
100$6,388,837,531$229,638,916$80,180,677$3,424,081,465