Can I retire at age 35 with 7,900,000?

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 $7,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$652,375$646,564$640,894$635,360$629,957$619,776
2 years$322,958$316,943$311,114$305,462$299,980$289,750
3 years$213,166$207,126$201,311$195,712$190,319$180,360
4 years$158,282$152,259$146,503$141,000$135,737$126,125
5 years$125,359$119,373$113,692$108,301$103,185$93,948
6 years$103,418$97,477$91,880$86,609$81,647$72,795
7 years$87,752$81,861$76,353$71,206$66,401$57,937
8 years$76,008$70,170$64,753$59,733$55,086$47,008
9 years$66,878$61,096$55,772$50,879$46,390$38,695
10 years$59,579$53,853$48,623$43,859$39,527$32,207
11 years$53,611$47,942$42,807$38,170$33,994$27,043
12 years$48,641$43,030$37,990$33,480$29,459$22,867
13 years$44,439$38,887$33,942$29,558$25,689$19,446
14 years$40,840$35,347$30,497$26,238$22,519$16,615
15 years$37,724$32,290$27,535$23,400$19,827$14,252
16 years$35,000$29,626$24,964$20,952$17,523$12,265
17 years$32,599$27,284$22,716$18,825$15,537$10,585
18 years$30,467$25,212$20,737$16,965$13,815$9,156
19 years$28,562$23,366$18,984$15,330$12,314$7,935
20 years$26,850$21,713$17,422$13,884$10,999$6,889
21 years$25,302$20,225$16,025$12,601$9,843$5,990
22 years$23,897$18,879$14,770$11,457$8,823$5,215
23 years$22,617$17,657$13,637$10,434$7,920$4,545
24 years$21,444$16,544$12,612$9,516$7,118$3,965
25 years$20,367$15,525$11,681$8,691$6,405$3,462
26 years$19,375$14,591$10,834$7,947$5,770$3,024
27 years$18,458$13,732$10,060$7,274$5,202$2,644
28 years$17,607$12,940$9,352$6,664$4,694$2,313
29 years$16,817$12,207$8,703$6,111$4,238$2,024
30 years$16,081$11,528$8,107$5,609$3,830$1,772
31 years$15,394$10,898$7,558$5,151$3,462$1,552
32 years$14,751$10,312$7,051$4,734$3,132$1,359
33 years$14,148$9,765$6,584$4,353$2,834$1,191
34 years$13,582$9,255$6,152$4,005$2,566$1,044
35 years$13,049$8,779$5,751$3,687$2,324$915
36 years$12,547$8,332$5,380$3,396$2,106$802
37 years$12,073$7,914$5,036$3,129$1,909$704
38 years$11,626$7,521$4,716$2,884$1,730$617
39 years$11,202$7,152$4,418$2,659$1,569$541
40 years$10,801$6,804$4,141$2,453$1,423$475
41 years$10,420$6,477$3,883$2,263$1,291$417
42 years$10,058$6,168$3,642$2,088$1,172$366
43 years$9,714$5,877$3,418$1,928$1,063$321
44 years$9,386$5,602$3,208$1,780$965$282
45 years$9,074$5,342$3,013$1,644$876$247
46 years$8,777$5,096$2,829$1,518$796$217
47 years$8,493$4,863$2,658$1,403$722$190
48 years$8,221$4,643$2,498$1,296$656$167
49 years$7,962$4,434$2,348$1,198$596$147
50 years$7,713$4,235$2,207$1,107$541$129

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $7,900,000, adding $5,179 every year, while hoping to spend $35,811 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: 55/31/14 Blend
34$7,900,000$7,900,000$7,900,000$7,900,000
35$8,711,142$8,292,442$8,169,992$9,158,153
36$9,561,576$8,660,669$8,405,584$9,830,733
37$10,497,554$9,045,739$8,647,868$10,558,398
38$11,527,764$9,448,439$8,897,031$11,349,907
39$12,661,777$9,869,595$9,153,264$12,211,360
40$13,910,144$10,310,070$9,416,763$13,149,458
41$15,284,484$10,770,769$9,687,730$14,171,571
42$16,797,606$11,252,642$9,966,374$15,285,797
43$18,463,621$11,756,680$10,252,906$16,501,045
44$20,298,078$12,283,925$10,547,546$17,827,109
45$22,318,111$12,835,466$10,850,518$19,274,761
46$24,542,601$13,412,447$11,162,053$20,855,849
47$26,992,352$14,016,063$11,482,388$22,583,407
48$29,690,289$14,647,567$11,811,766$24,471,772
49$32,661,675$15,308,275$12,150,436$26,536,719
50$35,934,346$15,999,560$12,498,656$28,795,604
51$39,538,977$16,722,866$12,856,688$31,267,527
52$43,509,369$17,479,702$13,224,803$33,973,505
53$47,882,769$18,271,653$13,603,279$36,936,668
54$52,700,223$19,100,375$13,992,400$40,182,476
55$58,006,959$19,967,607$14,392,459$43,738,948
56$63,852,819$20,875,170$14,803,757$47,636,929
57$70,292,725$21,824,971$15,226,601$51,910,372
58$77,387,199$22,819,011$15,661,308$56,596,658
59$85,202,935$23,859,384$16,108,203$61,736,936
60$93,813,426$24,948,286$16,567,620$67,376,514
61$103,299,662$26,088,018$17,039,901$73,565,277
62$113,750,887$27,280,990$17,525,398$80,358,152
63$125,265,448$28,529,730$18,024,470$87,815,620
64$137,951,723$29,836,885$18,537,488$96,004,284
65$151,929,136$31,205,231$19,064,832$104,997,486
66$167,329,296$32,637,675$19,606,892$114,875,994
67$184,297,229$34,137,265$20,164,067$125,728,758
68$202,992,752$35,707,197$20,736,769$137,653,744
69$223,591,980$37,350,817$21,325,418$150,758,842
70$246,288,989$39,071,634$21,930,447$165,162,887
71$271,297,648$40,873,326$22,552,299$180,996,765
72$298,853,636$42,759,748$23,191,429$198,404,641
73$329,216,670$44,734,938$23,848,304$217,545,310
74$362,672,952$46,803,131$24,523,404$238,593,685
75$399,537,874$48,968,766$25,217,219$261,742,442
76$440,158,995$51,236,494$25,930,254$287,203,820
77$484,919,321$53,611,190$26,663,026$315,211,621
78$534,240,919$56,097,966$27,416,065$346,023,399
79$588,588,905$58,702,178$28,189,915$379,922,881
80$648,475,830$61,429,442$28,985,135$417,222,632
81$714,466,525$64,285,645$29,802,296$458,266,993
82$787,183,424$67,276,955$30,641,987$503,435,312
83$867,312,448$70,409,841$31,504,809$553,145,519
84$955,609,477$73,691,082$32,391,379$607,858,044
85$1,052,907,484$77,127,785$33,302,330$668,080,157
86$1,160,124,402$80,727,401$34,238,313$734,370,735
87$1,278,271,786$84,497,740$35,199,992$807,345,516
88$1,408,464,367$88,446,987$36,188,050$887,682,901
89$1,551,930,570$92,583,727$37,203,187$976,130,330
90$1,710,024,115$96,916,957$38,246,121$1,073,511,325
91$1,884,236,796$101,456,108$39,317,587$1,180,733,234
92$2,076,212,561$106,211,070$40,418,338$1,298,795,782
93$2,287,763,039$111,192,209$41,549,149$1,428,800,478
94$2,520,884,634$116,410,393$42,710,811$1,571,960,993
95$2,777,777,380$121,877,015$43,904,136$1,729,614,591
96$3,060,865,705$127,604,021$45,129,957$1,903,234,722
97$3,372,821,323$133,603,934$46,389,127$2,094,444,909
98$3,716,588,454$139,889,883$47,682,519$2,305,034,041
99$4,095,411,623$146,475,633$49,011,029$2,536,973,229
100$4,512,866,285$153,375,617$50,375,576$2,792,434,385