Can I retire at age 35 with 8,200,000?

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 $8,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$677,148$671,117$665,232$659,488$653,880$643,577
2 years$335,222$328,979$322,928$317,062$311,371$301,018
3 years$221,261$214,991$208,956$203,144$197,547$187,465
4 years$164,292$158,041$152,066$146,354$140,892$131,160
5 years$130,120$123,906$118,010$112,414$107,104$97,749
6 years$107,345$101,179$95,369$89,898$84,748$75,782
7 years$91,085$84,970$79,252$73,910$68,922$60,348
8 years$78,894$72,835$67,212$62,002$57,178$48,993
9 years$69,418$63,416$57,890$52,812$48,152$40,352
10 years$61,842$55,898$50,470$45,524$41,028$33,607
11 years$55,647$49,763$44,433$39,620$35,285$28,236
12 years$50,488$44,664$39,433$34,752$30,578$23,891
13 years$46,126$40,363$35,231$30,681$26,664$20,331
14 years$42,391$36,689$31,655$27,235$23,374$17,383
15 years$39,156$33,516$28,580$24,289$20,580$14,921
16 years$36,329$30,751$25,912$21,748$18,189$12,850
17 years$33,837$28,320$23,579$19,540$16,127$11,097
18 years$31,624$26,169$21,525$17,610$14,340$9,605
19 years$29,647$24,253$19,705$15,912$12,781$8,331
20 years$27,869$22,537$18,084$14,411$11,416$7,239
21 years$26,263$20,993$16,634$13,079$10,216$6,299
22 years$24,805$19,596$15,331$11,892$9,158$5,488
23 years$23,475$18,328$14,155$10,830$8,220$4,786
24 years$22,259$17,172$13,091$9,878$7,389$4,179
25 years$21,141$16,115$12,125$9,021$6,649$3,651
26 years$20,111$15,145$11,245$8,248$5,989$3,192
27 years$19,159$14,254$10,442$7,550$5,400$2,793
28 years$18,276$13,431$9,707$6,917$4,872$2,445
29 years$17,456$12,671$9,034$6,343$4,399$2,141
30 years$16,692$11,966$8,414$5,822$3,975$1,876
31 years$15,978$11,312$7,845$5,347$3,594$1,645
32 years$15,311$10,703$7,319$4,914$3,251$1,442
33 years$14,685$10,136$6,834$4,519$2,942$1,265
34 years$14,097$9,607$6,385$4,157$2,664$1,109
35 years$13,544$9,112$5,970$3,827$2,413$973
36 years$13,023$8,649$5,585$3,525$2,186$854
37 years$12,532$8,214$5,227$3,248$1,981$750
38 years$12,067$7,806$4,895$2,993$1,796$658
39 years$11,627$7,423$4,586$2,760$1,629$578
40 years$11,211$7,062$4,298$2,546$1,477$507
41 years$10,815$6,723$4,031$2,349$1,340$445
42 years$10,440$6,403$3,781$2,168$1,216$391
43 years$10,083$6,100$3,548$2,001$1,104$344
44 years$9,743$5,815$3,330$1,848$1,002$302
45 years$9,419$5,545$3,127$1,706$910$265
46 years$9,110$5,290$2,937$1,576$826$233
47 years$8,815$5,048$2,759$1,456$750$205
48 years$8,533$4,819$2,593$1,346$681$180
49 years$8,264$4,602$2,437$1,244$619$158
50 years$8,006$4,396$2,291$1,149$562$139

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,200,000, adding $5,689 every year, while hoping to spend $21,412 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: 51/27/22 Blend
34$8,200,000$8,200,000$8,200,000$8,200,000
35$9,042,268$8,607,668$8,480,568$9,447,686
36$9,941,797$9,006,662$8,741,885$10,127,743
37$10,932,361$9,424,488$9,011,238$10,864,095
38$12,023,222$9,862,048$9,288,875$11,664,291
39$13,224,587$10,320,285$9,575,048$12,534,391
40$14,547,703$10,800,188$9,870,021$13,481,057
41$16,004,965$11,302,793$10,174,063$14,511,609
42$17,610,030$11,829,188$10,487,453$15,634,095
43$19,377,947$12,380,512$10,810,476$16,857,360
44$21,325,300$12,957,960$11,143,429$18,191,130
45$23,470,363$13,562,782$11,486,617$19,646,099
46$25,833,273$14,196,292$11,840,352$21,234,029
47$28,436,223$14,859,866$12,204,959$22,967,854
48$31,303,663$15,554,945$12,580,771$24,861,802
49$34,462,541$16,283,042$12,968,132$26,931,524
50$37,942,551$17,045,742$13,367,395$29,194,237
51$41,776,414$17,844,706$13,778,925$31,668,885
52$46,000,188$18,681,676$14,203,099$34,376,313
53$50,653,609$19,558,480$14,640,304$37,339,459
54$55,780,462$20,477,031$15,090,940$40,583,563
55$61,429,001$21,439,337$15,555,418$44,136,408
56$67,652,397$22,447,502$16,034,162$48,028,570
57$74,509,244$23,503,733$16,527,610$52,293,703
58$82,064,114$24,610,342$17,036,211$56,968,857
59$90,388,160$25,769,756$17,560,431$62,094,813
60$99,559,795$26,984,516$18,100,748$67,716,470
61$109,665,426$28,257,289$18,657,655$73,883,258
62$120,800,273$29,590,870$19,231,660$80,649,600
63$133,069,267$30,988,189$19,823,287$88,075,417
64$146,588,041$32,452,318$20,433,075$96,226,692
65$161,484,019$33,986,480$21,061,581$105,176,077
66$177,897,623$35,594,051$21,709,378$115,003,581
67$195,983,594$37,278,574$22,377,056$125,797,309
68$215,912,458$39,043,762$23,065,225$137,654,288
69$237,872,130$40,893,507$23,774,511$150,681,378
70$262,069,692$42,831,894$24,505,562$164,996,264
71$288,733,345$44,863,201$25,259,042$180,728,566
72$318,114,565$46,991,917$26,035,640$198,021,045
73$350,490,479$49,222,748$26,836,061$217,030,945
74$386,166,474$51,560,630$27,661,036$237,931,465
75$425,479,090$54,010,736$28,511,316$260,913,382
76$468,799,186$56,578,491$29,387,674$286,186,840
77$516,535,451$59,269,585$30,290,909$313,983,323
78$569,138,255$62,089,983$31,221,843$344,557,825
79$627,103,906$65,045,941$32,181,323$378,191,245
80$690,979,330$68,144,017$33,170,223$415,193,022
81$761,367,237$71,391,090$34,189,441$455,904,046
82$838,931,814$74,794,372$35,239,907$500,699,856
83$924,404,990$78,361,426$36,322,573$549,994,170
84$1,018,593,346$82,100,183$37,438,427$604,242,773
85$1,122,385,734$86,018,960$38,588,481$663,947,805
86$1,236,761,666$90,126,475$39,773,782$729,662,478
87$1,362,800,559$94,431,876$40,995,407$801,996,282
88$1,501,691,929$98,944,751$42,254,467$881,620,717
89$1,654,746,619$103,675,157$43,552,104$969,275,613
90$1,823,409,174$108,633,640$44,889,500$1,065,776,086
91$2,009,271,479$113,831,258$46,267,867$1,172,020,218
92$2,214,087,788$119,279,608$47,688,459$1,288,997,503
93$2,439,791,286$124,990,851$49,152,565$1,417,798,168
94$2,688,512,336$130,977,742$50,661,515$1,559,623,434
95$2,962,598,597$137,253,654$52,216,679$1,715,796,834
96$3,264,637,183$143,832,612$53,819,467$1,887,776,669
97$3,597,479,092$150,729,326$55,471,335$2,077,169,755
98$3,964,266,116$157,959,220$57,173,782$2,285,746,552
99$4,368,460,507$165,538,469$58,928,351$2,515,457,848
100$4,813,877,663$173,484,038$60,736,635$2,768,453,139