Can I retire at age 35 with 8,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $8,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$701,922$695,670$689,570$683,616$677,802$663,845
2 years$347,486$341,015$334,743$328,661$322,763$308,765
3 years$229,356$222,857$216,601$210,577$204,774$191,172
4 years$170,303$163,823$157,630$151,709$146,047$132,945
5 years$134,880$128,439$122,327$116,527$111,022$98,459
6 years$111,273$104,880$98,859$93,187$87,848$75,836
7 years$94,417$88,078$82,152$76,614$71,444$59,985
8 years$81,781$75,500$69,671$64,270$59,270$48,361
9 years$71,958$65,736$60,008$54,744$49,914$39,548
10 years$64,104$57,943$52,316$47,190$42,529$32,696
11 years$57,683$51,583$46,058$41,069$36,576$27,263
12 years$52,335$46,298$40,876$36,023$31,696$22,890
13 years$47,814$41,840$36,520$31,803$27,640$19,325
14 years$43,942$38,032$32,813$28,231$24,229$16,389
15 years$40,589$34,743$29,626$25,177$21,333$13,952
16 years$37,658$31,876$26,860$22,544$18,854$11,914
17 years$35,075$29,356$24,442$20,255$16,717$10,201
18 years$32,781$27,126$22,312$18,254$14,864$8,754
19 years$30,731$25,141$20,426$16,494$13,249$7,526
20 years$28,889$23,362$18,746$14,939$11,834$6,480
21 years$27,224$21,761$17,242$13,558$10,590$5,587
22 years$25,712$20,313$15,892$12,327$9,493$4,823
23 years$24,334$18,998$14,673$11,226$8,521$4,168
24 years$23,073$17,800$13,570$10,239$7,659$3,605
25 years$21,914$16,704$12,569$9,351$6,892$3,120
26 years$20,847$15,699$11,657$8,550$6,208$2,702
27 years$19,860$14,775$10,824$7,826$5,597$2,341
28 years$18,945$13,922$10,063$7,170$5,050$2,029
29 years$18,094$13,134$9,364$6,575$4,560$1,760
30 years$17,302$12,404$8,722$6,035$4,121$1,527
31 years$16,563$11,726$8,132$5,542$3,725$1,325
32 years$15,871$11,095$7,587$5,093$3,370$1,150
33 years$15,222$10,507$7,084$4,684$3,050$999
34 years$14,613$9,958$6,619$4,310$2,761$867
35 years$14,040$9,445$6,188$3,967$2,501$753
36 years$13,500$8,965$5,789$3,654$2,266$654
37 years$12,990$8,515$5,418$3,366$2,054$569
38 years$12,509$8,092$5,074$3,103$1,862$494
39 years$12,053$7,695$4,754$2,861$1,688$429
40 years$11,621$7,321$4,456$2,639$1,531$373
41 years$11,211$6,969$4,178$2,435$1,389$324
42 years$10,822$6,637$3,919$2,247$1,261$282
43 years$10,452$6,324$3,678$2,074$1,144$245
44 years$10,099$6,028$3,452$1,915$1,039$213
45 years$9,763$5,748$3,241$1,769$943$185
46 years$9,443$5,483$3,044$1,634$856$161
47 years$9,138$5,233$2,860$1,509$777$140
48 years$8,846$4,995$2,688$1,395$706$122
49 years$8,566$4,770$2,526$1,289$641$106
50 years$8,299$4,557$2,375$1,191$582$92

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,500,000, adding $4,533 every year, while hoping to spend $43,824 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: 25/49/26 Blend
34$8,500,000$8,500,000$8,500,000$8,500,000
35$9,371,676$8,921,176$8,789,426$9,529,005
36$10,280,958$9,311,685$9,037,243$10,049,816
37$11,281,519$9,719,860$9,291,894$10,603,789
38$12,382,622$10,146,521$9,553,560$11,196,851
39$13,594,474$10,592,526$9,822,429$11,832,306
40$14,928,323$11,058,773$10,098,693$12,513,766
41$16,396,562$11,546,203$10,382,550$13,245,181
42$18,012,847$12,055,801$10,674,200$14,030,876
43$19,792,223$12,588,601$10,973,852$14,875,581
44$21,751,270$13,145,684$11,281,716$15,784,477
45$23,908,258$13,728,181$11,598,012$16,763,238
46$26,283,318$14,337,278$11,922,963$17,818,080
47$28,898,630$14,974,219$12,256,796$18,955,813
48$31,778,638$15,640,303$12,599,746$20,183,904
49$34,950,276$16,336,895$12,952,055$21,510,538
50$38,443,223$17,065,422$13,313,967$22,944,692
51$42,290,183$17,827,379$13,685,736$24,496,213
52$46,527,194$18,624,333$14,067,621$26,175,905
53$51,193,967$19,457,925$14,459,886$27,995,621
54$56,334,264$20,329,875$14,862,804$29,968,377
55$61,996,303$21,241,983$15,276,652$32,108,456
56$68,233,223$22,196,137$15,701,717$34,431,546
57$75,103,577$23,194,313$16,138,290$36,954,871
58$82,671,890$24,238,583$16,586,671$39,697,355
59$91,009,266$25,331,116$17,047,167$42,679,784
60$100,194,056$26,474,186$17,520,093$45,924,998
61$110,312,603$27,670,175$18,005,769$49,458,093
62$121,460,052$28,921,577$18,504,526$53,306,656
63$133,741,252$30,231,009$19,016,702$57,501,005
64$147,271,740$31,601,209$19,542,642$62,074,475
65$162,178,838$33,035,049$20,082,701$67,063,711
66$178,602,850$34,535,536$20,637,242$72,509,013
67$196,698,387$36,105,823$21,206,635$78,454,695
68$216,635,826$37,749,213$21,791,262$84,949,497
69$238,602,922$39,469,166$22,391,511$92,047,028
70$262,806,575$41,269,309$23,007,781$99,806,262
71$289,474,783$43,153,444$23,640,479$108,292,076
72$318,858,801$45,125,552$24,290,025$117,575,848
73$351,235,501$47,189,807$24,956,844$127,736,119
74$386,909,999$49,350,583$25,641,374$138,859,313
75$426,218,522$51,612,465$26,344,063$151,040,539
76$469,531,590$53,980,256$27,065,369$164,384,466
77$517,257,514$56,458,989$27,805,760$179,006,298
78$569,846,243$59,053,943$28,565,716$195,032,837
79$627,793,619$61,770,645$29,345,727$212,603,663
80$691,646,054$64,614,893$30,146,295$231,872,426
81$762,005,689$67,592,759$30,967,932$253,008,275
82$839,536,075$70,710,610$31,811,164$276,197,433
83$924,968,444$73,975,120$32,676,527$301,644,929
84$1,019,108,605$77,393,280$33,564,570$329,576,505
85$1,122,844,553$80,972,421$34,475,854$360,240,724
86$1,237,154,855$84,720,227$35,410,953$393,911,283
87$1,363,117,882$88,644,751$36,370,452$430,889,571
88$1,501,921,995$92,754,432$37,354,951$471,507,483
89$1,654,876,760$97,058,120$38,365,063$516,130,515
90$1,823,425,310$101,565,089$39,401,413$565,161,188
91$2,009,157,972$106,285,059$40,464,641$619,042,804
92$2,213,827,279$111,228,221$41,555,401$678,263,602
93$2,439,364,515$116,405,257$42,674,359$743,361,320
94$2,687,897,944$121,827,363$43,822,199$814,928,233
95$2,961,772,908$127,506,278$44,999,616$893,616,705
96$3,263,573,963$133,454,304$46,207,322$980,145,296
97$3,596,149,283$139,684,340$47,446,043$1,075,305,505
98$3,962,637,545$146,209,908$48,716,521$1,179,969,185
99$4,366,497,562$153,045,181$50,019,512$1,295,096,730
100$4,811,540,937$160,205,019$51,355,789$1,421,746,083