Can I retire at age 35 with 8,100,000?

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 $8,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$668,890$662,932$657,119$651,446$645,905$623,982
2 years$331,134$324,967$318,990$313,195$307,574$285,706
3 years$218,563$212,369$206,408$200,667$195,138$174,012
4 years$162,289$156,114$150,212$144,569$139,174$118,952
5 years$128,533$122,395$116,571$111,043$105,798$86,534
6 years$106,036$99,945$94,206$88,802$83,714$65,423
7 years$89,974$83,934$78,286$73,009$68,082$50,761
8 years$77,932$71,947$66,393$61,245$56,481$40,116
9 years$68,572$62,642$57,184$52,168$47,565$32,137
10 years$61,087$55,216$49,854$44,969$40,528$26,011
11 years$54,968$49,156$43,891$39,136$34,855$21,222
12 years$49,872$44,120$38,952$34,328$30,205$17,423
13 years$45,564$39,871$34,801$30,306$26,339$14,377
14 years$41,874$36,242$31,269$26,903$23,089$11,911
15 years$38,679$33,108$28,232$23,992$20,329$9,900
16 years$35,886$30,376$25,596$21,483$17,967$8,251
17 years$33,424$27,975$23,291$19,302$15,931$6,892
18 years$31,239$25,850$21,262$17,395$14,165$5,767
19 years$29,285$23,957$19,464$15,718$12,625$4,833
20 years$27,529$22,262$17,863$14,236$11,277$4,055
21 years$25,943$20,737$16,431$12,920$10,092$3,406
22 years$24,502$19,357$15,144$11,747$9,046$2,864
23 years$23,189$18,104$13,983$10,698$8,120$2,409
24 years$21,987$16,962$12,931$9,757$7,299$2,028
25 years$20,883$15,918$11,977$8,911$6,568$1,708
26 years$19,866$14,961$11,108$8,148$5,916$1,440
27 years$18,925$14,080$10,315$7,458$5,334$1,214
28 years$18,053$13,267$9,589$6,833$4,813$1,023
29 years$17,243$12,516$8,923$6,266$4,346$863
30 years$16,488$11,820$8,312$5,751$3,927$728
31 years$15,783$11,174$7,749$5,281$3,550$614
32 years$15,124$10,573$7,230$4,854$3,211$518
33 years$14,506$10,013$6,751$4,463$2,906$438
34 years$13,925$9,490$6,307$4,107$2,631$369
35 years$13,379$9,001$5,897$3,781$2,383$312
36 years$12,865$8,543$5,516$3,482$2,159$263
37 years$12,379$8,114$5,163$3,208$1,957$222
38 years$11,920$7,711$4,835$2,957$1,774$188
39 years$11,486$7,333$4,530$2,726$1,609$158
40 years$11,074$6,976$4,246$2,515$1,459$134
41 years$10,683$6,641$3,981$2,320$1,324$113
42 years$10,312$6,325$3,735$2,141$1,201$95
43 years$9,960$6,026$3,504$1,977$1,090$81
44 years$9,624$5,744$3,290$1,825$990$68
45 years$9,304$5,477$3,089$1,685$898$57
46 years$8,999$5,225$2,901$1,557$816$49
47 years$8,708$4,987$2,726$1,438$741$41
48 years$8,429$4,760$2,561$1,329$673$35
49 years$8,163$4,546$2,407$1,228$611$29
50 years$7,908$4,342$2,263$1,135$555$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,100,000, adding $4,516 every year, while hoping to spend $54,485 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: 42/28/30 Blend
34$8,100,000$8,100,000$8,100,000$8,100,000
35$8,930,858$8,501,558$8,376,008$9,227,307
36$9,783,834$8,860,163$8,598,633$9,800,625
37$10,721,988$9,234,513$8,826,889$10,415,686
38$11,753,949$9,625,323$9,060,909$11,080,791
39$12,889,227$10,033,340$9,300,825$11,800,601
40$14,138,300$10,459,345$9,546,774$12,580,238
41$15,512,711$10,904,157$9,798,895$13,425,329
42$17,025,179$11,368,632$10,057,330$14,342,055
43$18,689,720$11,853,668$10,322,223$15,337,212
44$20,521,775$12,360,201$10,593,721$16,418,268
45$22,538,359$12,889,213$10,871,973$17,593,434
46$24,758,220$13,441,734$11,157,133$18,871,735
47$27,202,017$14,018,838$11,449,356$20,263,099
48$29,892,513$14,621,651$11,748,800$21,778,440
49$32,854,791$15,251,353$12,055,625$23,429,764
50$36,116,487$15,909,177$12,369,997$25,230,277
51$39,708,058$16,596,415$12,692,081$27,194,505
52$43,663,061$17,314,421$13,022,046$29,338,431
53$48,018,474$18,064,609$13,360,067$31,679,639
54$52,815,047$18,848,463$13,706,317$34,237,479
55$58,097,678$19,667,534$14,060,975$37,033,244
56$63,915,846$20,523,448$14,424,222$40,090,367
57$70,324,071$21,417,906$14,796,243$43,434,642
58$77,382,433$22,352,690$15,177,223$47,094,455
59$85,157,135$23,329,665$15,567,354$51,101,056
60$93,721,130$24,350,786$15,966,828$55,488,844
61$103,154,808$25,418,098$16,375,839$60,295,689
62$113,546,756$26,533,742$16,794,588$65,563,282
63$124,994,593$27,699,964$17,223,274$71,337,528
64$137,605,891$28,919,111$17,662,103$77,668,969
65$151,499,189$30,193,644$18,111,281$84,613,257
66$166,805,115$31,526,142$18,571,017$92,231,673
67$183,667,615$32,919,301$19,041,525$100,591,700
68$202,245,314$34,375,949$19,523,018$109,767,654
69$222,713,011$35,899,046$20,015,714$119,841,376
70$245,263,332$37,491,693$20,519,835$130,903,000
71$270,108,544$39,157,138$21,035,601$143,051,795
72$297,482,561$40,898,783$21,563,239$156,397,095
73$327,643,150$42,720,191$22,102,976$171,059,323
74$360,874,366$44,625,095$22,655,040$187,171,118
75$397,489,232$46,617,406$23,219,665$204,878,582
76$437,832,694$48,701,219$23,797,084$224,342,643
77$482,284,875$50,880,824$24,387,532$245,740,573
78$531,264,665$53,160,718$24,991,247$269,267,646
79$585,233,676$55,545,608$25,608,470$295,138,970
80$644,700,597$58,040,429$26,239,439$323,591,512
81$710,225,996$60,650,348$26,884,398$354,886,319
82$782,427,613$63,380,780$27,543,591$389,310,971
83$861,986,189$66,237,398$28,217,261$427,182,287
84$949,651,896$69,226,146$28,905,654$468,849,296
85$1,046,251,412$72,353,250$29,609,017$514,696,526
86$1,152,695,733$75,625,236$30,327,595$565,147,614
87$1,269,988,764$79,048,939$31,061,637$620,669,294
88$1,399,236,804$82,631,523$31,811,387$681,775,785
89$1,541,658,983$86,380,493$32,577,094$749,033,632
90$1,698,598,776$90,303,713$33,359,003$823,067,034
91$1,871,536,680$94,409,425$34,157,358$904,563,722
92$2,062,104,197$98,706,262$34,972,405$994,281,433
93$2,272,099,229$103,203,273$35,804,386$1,093,055,043
94$2,503,503,058$107,909,941$36,653,540$1,201,804,426
95$2,758,499,043$112,836,201$37,520,107$1,321,543,123
96$3,039,493,237$117,992,467$38,404,322$1,453,387,883
97$3,349,137,099$123,389,649$39,306,418$1,598,569,185
98$3,690,352,524$129,039,182$40,226,624$1,758,442,830
99$4,066,359,431$134,953,052$41,165,165$1,934,502,715
100$4,480,706,157$141,143,816$42,122,262$2,128,394,912