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%17.3%
1 years$668,890$662,932$657,119$651,446$645,905$626,736
2 years$331,134$324,967$318,990$313,195$307,574$288,420
3 years$218,563$212,369$206,408$200,667$195,138$176,599
4 years$162,289$156,114$150,212$144,569$139,174$121,392
5 years$128,533$122,395$116,571$111,043$105,798$88,822
6 years$106,036$99,945$94,206$88,802$83,714$67,560
7 years$89,974$83,934$78,286$73,009$68,082$52,748
8 years$77,932$71,947$66,393$61,245$56,481$41,958
9 years$68,572$62,642$57,184$52,168$47,565$33,839
10 years$61,087$55,216$49,854$44,969$40,528$27,579
11 years$54,968$49,156$43,891$39,136$34,855$22,661
12 years$49,872$44,120$38,952$34,328$30,205$18,741
13 years$45,564$39,871$34,801$30,306$26,339$15,580
14 years$41,874$36,242$31,269$26,903$23,089$13,007
15 years$38,679$33,108$28,232$23,992$20,329$10,895
16 years$35,886$30,376$25,596$21,483$17,967$9,153
17 years$33,424$27,975$23,291$19,302$15,931$7,707
18 years$31,239$25,850$21,262$17,395$14,165$6,502
19 years$29,285$23,957$19,464$15,718$12,625$5,495
20 years$27,529$22,262$17,863$14,236$11,277$4,649
21 years$25,943$20,737$16,431$12,920$10,092$3,939
22 years$24,502$19,357$15,144$11,747$9,046$3,340
23 years$23,189$18,104$13,983$10,698$8,120$2,835
24 years$21,987$16,962$12,931$9,757$7,299$2,407
25 years$20,883$15,918$11,977$8,911$6,568$2,045
26 years$19,866$14,961$11,108$8,148$5,916$1,739
27 years$18,925$14,080$10,315$7,458$5,334$1,479
28 years$18,053$13,267$9,589$6,833$4,813$1,258
29 years$17,243$12,516$8,923$6,266$4,346$1,071
30 years$16,488$11,820$8,312$5,751$3,927$912
31 years$15,783$11,174$7,749$5,281$3,550$776
32 years$15,124$10,573$7,230$4,854$3,211$661
33 years$14,506$10,013$6,751$4,463$2,906$563
34 years$13,925$9,490$6,307$4,107$2,631$480
35 years$13,379$9,001$5,897$3,781$2,383$409
36 years$12,865$8,543$5,516$3,482$2,159$348
37 years$12,379$8,114$5,163$3,208$1,957$297
38 years$11,920$7,711$4,835$2,957$1,774$253
39 years$11,486$7,333$4,530$2,726$1,609$215
40 years$11,074$6,976$4,246$2,515$1,459$184
41 years$10,683$6,641$3,981$2,320$1,324$157
42 years$10,312$6,325$3,735$2,141$1,201$133
43 years$9,960$6,026$3,504$1,977$1,090$114
44 years$9,624$5,744$3,290$1,825$990$97
45 years$9,304$5,477$3,089$1,685$898$83
46 years$8,999$5,225$2,901$1,557$816$70
47 years$8,708$4,987$2,726$1,438$741$60
48 years$8,429$4,760$2,561$1,329$673$51
49 years$8,163$4,546$2,407$1,228$611$44
50 years$7,908$4,342$2,263$1,135$555$37

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 $2,849 every year, while hoping to spend $45,909 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: 50/23/27 Blend
34$8,100,000$8,100,000$8,100,000$8,100,000
35$8,929,139$8,499,839$8,374,289$9,307,305
36$9,791,064$8,867,484$8,605,981$9,939,274
37$10,739,367$9,251,605$8,843,895$10,620,964
38$11,782,810$9,652,961$9,088,193$11,361,020
39$12,931,047$10,072,347$9,339,038$12,164,997
40$14,194,715$10,510,593$9,596,597$13,039,005
41$15,585,536$10,968,572$9,861,043$13,989,760
42$17,116,423$11,447,195$10,132,551$15,024,647
43$18,801,608$11,947,417$10,411,301$16,151,789
44$20,656,769$12,470,238$10,697,477$17,380,116
45$22,699,186$13,016,705$10,991,268$18,719,455
46$24,947,894$13,587,915$11,292,867$20,180,614
47$27,423,873$14,185,017$11,602,472$21,775,485
48$30,150,237$14,809,212$11,920,284$23,517,149
49$33,152,458$15,461,760$12,246,510$25,420,004
50$36,458,603$16,143,980$12,581,362$27,499,892
51$40,099,599$16,857,254$12,925,057$29,774,248
52$44,109,527$17,603,028$13,277,815$32,262,262
53$48,525,940$18,382,818$13,639,863$34,985,053
54$53,390,221$19,198,211$14,011,433$37,965,872
55$58,747,969$20,050,868$14,392,761$41,230,311
56$64,649,433$20,942,533$14,784,091$44,806,546
57$71,149,986$21,875,027$15,185,668$48,725,596
58$78,310,644$22,850,263$15,597,748$53,021,613
59$86,198,645$23,870,241$16,020,587$57,732,200
60$94,888,082$24,937,058$16,454,452$62,898,763
61$104,460,602$26,052,910$16,899,613$68,566,894
62$115,006,179$27,220,098$17,356,345$74,786,801
63$126,623,958$28,441,032$17,824,931$81,613,775
64$139,423,196$29,718,237$18,305,661$89,108,705
65$153,524,290$31,054,358$18,798,828$97,338,650
66$169,059,912$32,452,166$19,304,734$106,377,468
67$186,176,267$33,914,566$19,823,686$116,306,502
68$205,034,465$35,444,599$20,355,999$127,215,347
69$225,812,049$37,045,453$20,901,993$139,202,686
70$248,704,665$38,720,466$21,461,996$152,377,219
71$273,927,910$40,473,139$22,036,343$166,858,678
72$301,719,371$42,307,136$22,625,374$182,778,953
73$332,340,861$44,226,301$23,229,438$200,283,327
74$366,080,896$46,234,656$23,848,891$219,531,843
75$403,257,414$48,336,421$24,484,096$240,700,805
76$444,220,780$50,536,015$25,135,423$263,984,433
77$489,357,088$52,838,069$25,803,249$289,596,688
78$539,091,813$55,247,437$26,487,959$317,773,286
79$593,893,819$57,769,202$27,189,947$348,773,907
80$654,279,791$60,408,695$27,909,613$382,884,644
81$720,819,110$63,171,501$28,647,364$420,420,686
82$794,139,226$66,063,472$29,403,618$461,729,288
83$874,931,586$69,090,741$30,178,799$507,193,035
84$963,958,157$72,259,736$30,973,337$557,233,442
85$1,062,058,620$75,577,194$31,787,675$612,314,923
86$1,170,158,297$79,050,175$32,622,260$672,949,160
87$1,289,276,887$82,686,077$33,477,549$739,699,918
88$1,420,538,089$86,492,655$34,354,007$813,188,359
89$1,565,180,216$90,478,036$35,252,108$894,098,885
90$1,724,567,878$94,650,740$36,172,334$983,185,587
91$1,900,204,868$99,019,693$37,115,174$1,081,279,346
92$2,093,748,361$103,594,254$38,081,128$1,189,295,664
93$2,307,024,551$108,384,230$39,070,703$1,308,243,281
94$2,542,045,899$113,399,901$40,084,415$1,439,233,689
95$2,801,030,127$118,652,042$41,122,790$1,583,491,599
96$3,086,421,156$124,151,949$42,186,359$1,742,366,486
97$3,400,912,178$129,911,458$43,275,666$1,917,345,307
98$3,747,471,080$135,942,979$44,391,261$2,110,066,516
99$4,129,368,464$142,259,520$45,533,702$2,322,335,510
100$4,550,208,525$148,874,713$46,703,559$2,556,141,648