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%
1 years$635,859$630,195$624,669$619,275$614,009$611,422
2 years$314,782$308,919$303,237$297,729$292,385$289,773
3 years$207,770$201,882$196,215$190,758$185,501$182,945
4 years$154,274$148,405$142,794$137,430$132,301$129,821
5 years$122,186$116,351$110,814$105,559$100,573$98,176
6 years$100,800$95,009$89,554$84,417$79,580$77,269
7 years$85,531$79,789$74,420$69,404$64,720$62,497
8 years$74,084$68,394$63,114$58,221$53,691$51,556
9 years$65,185$59,549$54,360$49,591$45,216$43,167
10 years$58,071$52,490$47,392$42,748$38,526$36,564
11 years$52,254$46,728$41,723$37,204$33,134$31,256
12 years$47,409$41,941$37,029$32,633$28,713$26,919
13 years$43,314$37,902$33,083$28,810$25,038$23,326
14 years$39,806$34,452$29,725$25,574$21,948$20,316
15 years$36,769$31,473$26,838$22,808$19,325$17,771
16 years$34,114$28,876$24,332$20,422$17,080$15,601
17 years$31,774$26,593$22,141$18,349$15,144$13,740
18 years$29,696$24,573$20,212$16,536$13,465$12,132
19 years$27,839$22,774$18,503$14,942$12,002$10,738
20 years$26,170$21,163$16,981$13,533$10,720$9,523
21 years$24,662$19,713$15,620$12,282$9,594$8,461
22 years$23,292$18,401$14,396$11,167$8,599$7,528
23 years$22,044$17,210$13,292$10,170$7,719$6,708
24 years$20,901$16,125$12,293$9,275$6,938$5,984
25 years$19,852$15,132$11,386$8,471$6,243$5,344
26 years$18,885$14,222$10,560$7,745$5,624$4,777
27 years$17,990$13,384$9,806$7,090$5,070$4,273
28 years$17,162$12,612$9,116$6,496$4,575$3,826
29 years$16,391$11,898$8,483$5,957$4,131$3,427
30 years$15,674$11,236$7,901$5,467$3,733$3,072
31 years$15,004$10,622$7,366$5,021$3,375$2,755
32 years$14,377$10,051$6,873$4,614$3,053$2,472
33 years$13,790$9,518$6,417$4,243$2,763$2,219
34 years$13,238$9,021$5,996$3,904$2,501$1,993
35 years$12,719$8,556$5,606$3,594$2,266$1,790
36 years$12,229$8,121$5,244$3,310$2,053$1,608
37 years$11,768$7,713$4,908$3,050$1,860$1,446
38 years$11,331$7,330$4,596$2,811$1,687$1,299
39 years$10,918$6,970$4,306$2,592$1,529$1,168
40 years$10,527$6,632$4,036$2,391$1,387$1,051
41 years$10,156$6,313$3,785$2,206$1,259$945
42 years$9,803$6,012$3,550$2,035$1,142$850
43 years$9,468$5,728$3,331$1,879$1,036$765
44 years$9,149$5,460$3,127$1,735$941$689
45 years$8,845$5,207$2,936$1,602$854$620
46 years$8,554$4,967$2,758$1,480$775$558
47 years$8,278$4,740$2,591$1,367$704$502
48 years$8,013$4,525$2,435$1,263$639$452
49 years$7,760$4,321$2,289$1,168$581$407
50 years$7,518$4,128$2,152$1,079$528$366

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 $6,667 every year, while hoping to spend $33,824 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: 38/34/28 Blend
34$7,700,000$7,700,000$7,700,000$7,700,000
35$8,492,277$8,084,177$7,964,827$8,743,945
36$9,322,501$8,444,313$8,195,660$9,289,631
37$10,236,274$8,820,962$8,433,093$9,875,400
38$11,242,082$9,214,898$8,677,310$10,507,841
39$12,349,277$9,626,931$8,928,502$11,191,214
40$13,568,161$10,057,908$9,186,865$11,930,192
41$14,910,089$10,508,721$9,452,600$12,729,906
42$16,387,569$10,980,299$9,725,913$13,595,985
43$18,014,386$11,473,619$10,007,017$14,534,613
44$19,805,731$11,989,704$10,296,129$15,552,578
45$21,778,339$12,529,623$10,593,473$16,657,335
46$23,950,656$13,094,500$10,899,280$17,857,075
47$26,343,002$13,685,510$11,213,786$19,160,795
48$28,977,773$14,303,886$11,537,233$20,578,384
49$31,879,647$14,950,916$11,869,870$22,120,708
50$35,075,814$15,627,955$12,211,955$23,799,710
51$38,596,241$16,336,418$12,563,749$25,628,520
52$42,473,947$17,077,792$12,925,523$27,621,573
53$46,745,316$17,853,630$13,297,555$29,794,742
54$51,450,444$18,665,564$13,680,129$32,165,479
55$56,633,514$19,515,301$14,073,538$34,752,982
56$62,343,213$20,404,632$14,478,083$37,578,364
57$68,633,195$21,335,432$14,894,072$40,664,851
58$75,562,579$22,309,668$15,321,822$44,037,994
59$83,196,518$23,329,397$15,761,659$47,725,905
60$91,606,806$24,396,780$16,213,917$51,759,514
61$100,872,556$25,514,079$16,678,940$56,172,858
62$111,080,952$26,683,664$17,157,079$61,003,394
63$122,328,065$27,908,019$17,648,697$66,292,342
64$134,719,764$29,189,748$18,154,165$72,085,074
65$148,372,715$30,531,581$18,673,864$78,431,527
66$163,415,480$31,936,377$19,208,187$85,386,673
67$179,989,733$33,407,133$19,757,535$93,011,024
68$198,251,595$34,946,992$20,322,322$101,371,197
69$218,373,108$36,559,245$20,902,970$110,540,534
70$240,543,861$38,247,344$21,499,916$120,599,785
71$264,972,777$40,014,906$22,113,605$131,637,856
72$291,890,086$41,865,721$22,744,496$143,752,645
73$321,549,497$43,803,765$23,393,060$157,051,949
74$354,230,598$45,833,201$24,059,779$171,654,472
75$390,241,486$47,958,395$24,745,149$187,690,934
76$429,921,686$50,183,925$25,449,679$205,305,295
77$473,645,346$52,514,585$26,173,892$224,656,095
78$521,824,776$54,955,405$26,918,322$245,917,941
79$574,914,338$57,511,654$27,683,521$269,283,142
80$633,414,734$60,188,858$28,470,052$294,963,504
81$697,877,732$62,992,808$29,278,494$323,192,320
82$768,911,379$65,929,574$30,109,442$354,226,554
83$847,185,737$69,005,520$30,963,505$388,349,246
84$933,439,209$72,227,318$31,841,310$425,872,171
85$1,028,485,512$75,601,961$32,743,498$467,138,761
86$1,133,221,357$79,136,779$33,670,727$512,527,329
87$1,248,634,913$82,839,458$34,623,674$562,454,617
88$1,375,815,138$86,718,056$35,603,031$617,379,713
89$1,515,962,059$90,781,018$36,609,510$677,808,357
90$1,670,398,100$95,037,199$37,643,840$744,297,698
91$1,840,580,567$99,495,882$38,706,769$817,461,524
92$2,028,115,404$104,166,799$39,799,064$897,976,034
93$2,234,772,356$109,060,154$40,921,514$986,586,195
94$2,462,501,677$114,186,641$42,074,925$1,084,112,743
95$2,713,452,538$119,557,477$43,260,125$1,191,459,905
96$2,989,993,322$125,184,418$44,477,964$1,309,623,904
97$3,294,733,977$131,079,791$45,729,312$1,439,702,332
98$3,630,550,660$137,256,519$47,015,062$1,582,904,476
99$4,000,612,891$143,728,152$48,336,130$1,740,562,701
100$4,408,413,471$150,508,896$49,693,455$1,914,144,993