Can I retire at age 35 with 7,700,000?

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 $7,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$635,859$630,195$624,669$619,275$614,009$609,373
2 years$314,782$308,919$303,237$297,729$292,385$287,712
3 years$207,770$201,882$196,215$190,758$185,501$180,934
4 years$154,274$148,405$142,794$137,430$132,301$127,876
5 years$122,186$116,351$110,814$105,559$100,573$96,303
6 years$100,800$95,009$89,554$84,417$79,580$75,471
7 years$85,531$79,789$74,420$69,404$64,720$60,773
8 years$74,084$68,394$63,114$58,221$53,691$49,907
9 years$65,185$59,549$54,360$49,591$45,216$41,592
10 years$58,071$52,490$47,392$42,748$38,526$35,062
11 years$52,254$46,728$41,723$37,204$33,134$29,826
12 years$47,409$41,941$37,029$32,633$28,713$25,559
13 years$43,314$37,902$33,083$28,810$25,038$22,035
14 years$39,806$34,452$29,725$25,574$21,948$19,092
15 years$36,769$31,473$26,838$22,808$19,325$16,611
16 years$34,114$28,876$24,332$20,422$17,080$14,504
17 years$31,774$26,593$22,141$18,349$15,144$12,703
18 years$29,696$24,573$20,212$16,536$13,465$11,154
19 years$27,839$22,774$18,503$14,942$12,002$9,816
20 years$26,170$21,163$16,981$13,533$10,720$8,655
21 years$24,662$19,713$15,620$12,282$9,594$7,645
22 years$23,292$18,401$14,396$11,167$8,599$6,762
23 years$22,044$17,210$13,292$10,170$7,719$5,989
24 years$20,901$16,125$12,293$9,275$6,938$5,310
25 years$19,852$15,132$11,386$8,471$6,243$4,713
26 years$18,885$14,222$10,560$7,745$5,624$4,187
27 years$17,990$13,384$9,806$7,090$5,070$3,722
28 years$17,162$12,612$9,116$6,496$4,575$3,311
29 years$16,391$11,898$8,483$5,957$4,131$2,947
30 years$15,674$11,236$7,901$5,467$3,733$2,625
31 years$15,004$10,622$7,366$5,021$3,375$2,339
32 years$14,377$10,051$6,873$4,614$3,053$2,085
33 years$13,790$9,518$6,417$4,243$2,763$1,859
34 years$13,238$9,021$5,996$3,904$2,501$1,658
35 years$12,719$8,556$5,606$3,594$2,266$1,480
36 years$12,229$8,121$5,244$3,310$2,053$1,321
37 years$11,768$7,713$4,908$3,050$1,860$1,179
38 years$11,331$7,330$4,596$2,811$1,687$1,053
39 years$10,918$6,970$4,306$2,592$1,529$940
40 years$10,527$6,632$4,036$2,391$1,387$840
41 years$10,156$6,313$3,785$2,206$1,259$750
42 years$9,803$6,012$3,550$2,035$1,142$670
43 years$9,468$5,728$3,331$1,879$1,036$599
44 years$9,149$5,460$3,127$1,735$941$535
45 years$8,845$5,207$2,936$1,602$854$478
46 years$8,554$4,967$2,758$1,480$775$428
47 years$8,278$4,740$2,591$1,367$704$382
48 years$8,013$4,525$2,435$1,263$639$342
49 years$7,760$4,321$2,289$1,168$581$305
50 years$7,518$4,128$2,152$1,079$528$273

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $7,700,000, adding $6,059 every year, while hoping to spend $50,239 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: 42/31/27 Blend
34$7,700,000$7,700,000$7,700,000$7,700,000
35$8,491,650$8,083,550$7,964,200$8,780,916
36$9,304,344$8,426,190$8,177,547$9,332,024
37$10,198,250$8,783,935$8,396,357$9,923,266
38$11,181,597$9,157,474$8,620,760$10,562,604
39$12,263,453$9,547,524$8,850,890$11,254,508
40$13,453,811$9,954,839$9,086,880$12,003,884
41$14,763,680$10,380,205$9,328,870$12,816,122
42$16,205,189$10,824,449$9,577,001$13,697,145
43$17,791,703$11,288,432$9,831,416$14,653,460
44$19,537,950$11,773,059$10,092,262$15,692,216
45$21,460,157$12,279,274$10,359,688$16,821,275
46$23,576,202$12,808,068$10,633,847$18,049,276
47$25,905,788$13,360,476$10,914,894$19,385,718
48$28,470,623$13,937,584$11,202,988$20,841,046
49$31,294,629$14,540,528$11,498,290$22,426,746
50$34,404,163$15,170,496$11,800,964$24,155,451
51$37,828,270$15,828,733$12,111,179$26,041,056
52$41,598,955$16,516,542$12,429,105$28,098,844
53$45,751,484$17,235,289$12,754,916$30,345,631
54$50,324,719$17,986,401$13,088,789$32,799,918
55$55,361,481$18,771,375$13,430,904$35,482,061
56$60,908,957$19,591,777$13,781,444$38,414,462
57$67,019,145$20,449,249$14,140,597$41,621,772
58$73,749,342$21,345,506$14,508,551$45,131,123
59$81,162,688$22,282,350$14,885,501$48,972,378
60$89,328,759$23,261,662$15,271,643$53,178,406
61$98,324,225$24,285,416$15,667,175$57,785,391
62$108,233,573$25,355,678$16,072,302$62,833,166
63$119,149,903$26,474,611$16,487,229$68,365,582
64$131,175,808$27,644,482$16,912,167$74,430,920
65$144,424,343$28,867,664$17,347,327$81,082,337
66$159,020,089$30,146,643$17,792,926$88,378,363
67$175,100,332$31,484,023$18,249,183$96,383,448
68$192,816,356$32,882,530$18,716,320$105,168,561
69$212,334,872$34,345,022$19,194,565$114,811,855
70$233,839,591$35,874,490$19,684,144$125,399,395
71$257,532,958$37,474,068$20,185,292$137,025,967
72$283,638,062$39,147,040$20,698,242$149,795,958
73$312,400,745$40,896,846$21,223,234$163,824,339
74$344,091,917$42,727,087$21,760,508$179,237,736
75$379,010,116$44,641,538$22,310,309$196,175,623
76$417,484,328$46,644,154$22,872,884$214,791,620
77$459,877,088$48,739,076$23,448,484$235,254,941
78$506,587,904$50,930,643$24,037,362$257,751,977
79$558,057,029$53,223,404$24,639,772$282,488,045
80$614,769,615$55,622,120$25,255,973$309,689,313
81$677,260,294$58,131,782$25,886,227$339,604,927
82$746,118,225$60,757,619$26,530,795$372,509,347
83$821,992,651$63,505,110$27,189,945$408,704,926
84$905,599,035$66,379,995$27,863,942$448,524,749
85$997,725,810$69,388,287$28,553,057$492,335,767
86$1,099,241,819$72,536,290$29,257,561$540,542,240
87$1,211,104,522$75,830,606$29,977,727$593,589,543
88$1,334,369,032$79,278,154$30,713,829$651,968,353
89$1,470,198,076$82,886,186$31,466,145$716,219,259
90$1,619,872,969$86,662,298$32,234,950$786,937,857
91$1,784,805,714$90,614,453$33,020,523$864,780,342
92$1,966,552,328$94,750,993$33,823,142$950,469,696
93$2,166,827,535$99,080,661$34,643,087$1,044,802,480
94$2,387,520,949$103,612,619$35,480,636$1,148,656,342
95$2,630,714,917$108,356,468$36,336,068$1,262,998,278
96$2,898,704,176$113,322,272$37,209,663$1,388,893,732
97$3,194,017,513$118,520,574$38,101,698$1,527,516,637
98$3,519,441,644$123,962,427$39,012,449$1,680,160,467
99$3,878,047,518$129,659,413$39,942,193$1,848,250,426
100$4,273,219,310$135,623,670$40,891,202$2,033,356,868