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%15.7%
1 years$635,859$630,195$624,669$619,275$614,009$599,652
2 years$314,782$308,919$303,237$297,729$292,385$278,003
3 years$207,770$201,882$196,215$190,758$185,501$171,543
4 years$154,274$148,405$142,794$137,430$132,301$118,873
5 years$122,186$116,351$110,814$105,559$100,573$87,714
6 years$100,800$95,009$89,554$84,417$79,580$67,303
7 years$85,531$79,789$74,420$69,404$64,720$53,026
8 years$74,084$68,394$63,114$58,221$53,691$42,577
9 years$65,185$59,549$54,360$49,591$45,216$34,672
10 years$58,071$52,490$47,392$42,748$38,526$28,540
11 years$52,254$46,728$41,723$37,204$33,134$23,693
12 years$47,409$41,941$37,029$32,633$28,713$19,802
13 years$43,314$37,902$33,083$28,810$25,038$16,640
14 years$39,806$34,452$29,725$25,574$21,948$14,045
15 years$36,769$31,473$26,838$22,808$19,325$11,898
16 years$34,114$28,876$24,332$20,422$17,080$10,110
17 years$31,774$26,593$22,141$18,349$15,144$8,613
18 years$29,696$24,573$20,212$16,536$13,465$7,353
19 years$27,839$22,774$18,503$14,942$12,002$6,288
20 years$26,170$21,163$16,981$13,533$10,720$5,386
21 years$24,662$19,713$15,620$12,282$9,594$4,620
22 years$23,292$18,401$14,396$11,167$8,599$3,966
23 years$22,044$17,210$13,292$10,170$7,719$3,409
24 years$20,901$16,125$12,293$9,275$6,938$2,932
25 years$19,852$15,132$11,386$8,471$6,243$2,523
26 years$18,885$14,222$10,560$7,745$5,624$2,173
27 years$17,990$13,384$9,806$7,090$5,070$1,872
28 years$17,162$12,612$9,116$6,496$4,575$1,614
29 years$16,391$11,898$8,483$5,957$4,131$1,392
30 years$15,674$11,236$7,901$5,467$3,733$1,200
31 years$15,004$10,622$7,366$5,021$3,375$1,036
32 years$14,377$10,051$6,873$4,614$3,053$894
33 years$13,790$9,518$6,417$4,243$2,763$772
34 years$13,238$9,021$5,996$3,904$2,501$666
35 years$12,719$8,556$5,606$3,594$2,266$575
36 years$12,229$8,121$5,244$3,310$2,053$497
37 years$11,768$7,713$4,908$3,050$1,860$429
38 years$11,331$7,330$4,596$2,811$1,687$371
39 years$10,918$6,970$4,306$2,592$1,529$320
40 years$10,527$6,632$4,036$2,391$1,387$277
41 years$10,156$6,313$3,785$2,206$1,259$239
42 years$9,803$6,012$3,550$2,035$1,142$206
43 years$9,468$5,728$3,331$1,879$1,036$178
44 years$9,149$5,460$3,127$1,735$941$154
45 years$8,845$5,207$2,936$1,602$854$133
46 years$8,554$4,967$2,758$1,480$775$115
47 years$8,278$4,740$2,591$1,367$704$99
48 years$8,013$4,525$2,435$1,263$639$86
49 years$7,760$4,321$2,289$1,168$581$74
50 years$7,518$4,128$2,152$1,079$528$64

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 $2,144 every year, while hoping to spend $27,061 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: 56/29/15 Blend
34$7,700,000$7,700,000$7,700,000$7,700,000
35$8,487,612$8,079,512$7,960,162$8,929,598
36$9,324,555$8,446,615$8,198,034$9,597,013
37$10,245,960$8,830,799$8,442,969$10,320,543
38$11,260,413$9,232,873$8,695,173$11,108,067
39$12,377,375$9,653,684$8,954,861$11,965,713
40$13,607,271$10,094,119$9,222,253$12,900,220
41$14,961,591$10,555,108$9,497,576$13,918,995
42$16,452,992$11,037,627$9,781,064$15,030,184
43$18,095,423$11,542,697$10,072,955$16,242,742
44$19,904,255$12,071,388$10,373,499$17,566,520
45$21,896,426$12,624,823$10,682,948$19,012,350
46$24,090,599$13,204,177$11,001,564$20,592,149
47$26,507,341$13,810,683$11,329,618$22,319,024
48$29,169,315$14,445,632$11,667,385$24,207,400
49$32,101,495$15,110,377$12,015,152$26,273,141
50$35,331,399$15,806,338$12,373,212$28,533,710
51$38,889,354$16,535,000$12,741,866$31,008,319
52$42,808,776$17,297,923$13,121,426$33,718,113
53$47,126,489$18,096,739$13,512,212$36,686,363
54$51,883,072$18,933,161$13,914,553$39,938,684
55$57,123,242$19,808,982$14,328,787$43,503,269
56$62,896,274$20,726,083$14,755,262$47,411,153
57$69,256,469$21,686,436$15,194,339$51,696,502
58$76,263,664$22,692,107$15,646,384$56,396,929
59$83,983,799$23,745,261$16,111,779$61,553,843
60$92,489,537$24,848,169$16,590,914$67,212,839
61$101,860,950$26,003,210$17,084,190$73,424,117
62$112,186,279$27,212,879$17,592,022$80,242,954
63$123,562,759$28,479,790$18,114,835$87,730,218
64$136,097,545$29,806,685$18,653,067$95,952,940
65$149,908,718$31,196,436$19,207,168$104,984,931
66$165,126,402$32,652,055$19,777,602$114,907,484
67$181,893,989$34,176,700$20,364,846$125,810,122
68$200,369,498$35,773,680$20,969,390$137,791,446
69$220,727,062$37,446,466$21,591,740$150,960,051
70$243,158,573$39,198,694$22,232,414$165,435,544
71$267,875,495$41,034,178$22,891,948$181,349,667
72$295,110,858$42,956,915$23,570,891$198,847,528
73$325,121,458$44,971,096$24,269,808$218,088,964
74$358,190,282$47,081,115$24,989,281$239,250,040
75$394,629,179$49,291,577$25,729,910$262,524,698
76$434,781,803$51,607,312$26,492,310$288,126,578
77$479,026,858$54,033,382$27,277,114$316,291,025
78$527,781,675$56,575,095$28,084,974$347,277,298
79$581,506,146$59,238,015$28,916,561$381,371,002
80$640,707,072$62,027,976$29,772,565$418,886,776
81$705,942,942$64,951,096$30,653,694$460,171,246
82$777,829,209$68,013,786$31,560,680$505,606,286
83$857,044,097$71,222,771$32,494,272$555,612,602
84$944,335,009$74,585,100$33,455,244$610,653,695
85$1,040,525,574$78,108,165$34,444,389$671,240,217
86$1,146,523,431$81,799,713$35,462,524$737,934,774
87$1,263,328,794$85,667,872$36,510,492$811,357,219
88$1,392,043,892$89,721,159$37,589,155$892,190,488
89$1,533,883,381$93,968,508$38,699,403$981,187,023
90$1,690,185,805$98,419,284$39,842,152$1,079,175,858
91$1,862,426,235$103,083,306$41,018,342$1,187,070,423
92$2,052,230,195$107,970,873$42,228,941$1,305,877,144
93$2,261,389,008$113,092,779$43,474,944$1,436,704,921
94$2,491,876,708$118,460,346$44,757,375$1,580,775,572
95$2,745,868,672$124,085,443$46,077,288$1,739,435,342
96$3,025,762,164$129,980,517$47,435,764$1,914,167,584
97$3,334,198,961$136,158,619$48,833,918$2,106,606,734
98$3,674,090,297$142,633,433$50,272,896$2,318,553,715
99$4,048,644,345$149,419,308$51,753,875$2,551,992,903
100$4,461,396,505$156,531,292$53,278,068$2,809,110,829