Can I retire at age 35 with 8,600,000?

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 $8,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$710,180$703,854$697,682$691,658$685,776$681,454
2 years$351,574$345,026$338,681$332,528$326,560$322,201
3 years$232,055$225,479$219,149$213,054$207,183$202,921
4 years$172,307$165,751$159,484$153,493$147,765$143,633
5 years$136,467$129,951$123,766$117,898$112,328$108,339
6 years$112,582$106,114$100,022$94,284$88,882$85,040
7 years$95,528$89,115$83,118$77,516$72,285$68,592
8 years$82,743$76,388$70,491$65,026$59,967$56,424
9 years$72,804$66,509$60,714$55,388$50,501$47,106
10 years$64,858$58,625$52,932$47,745$43,029$39,781
11 years$58,361$52,190$46,600$41,552$37,007$33,903
12 years$52,951$46,843$41,357$36,447$32,069$29,108
13 years$48,376$42,332$36,949$32,177$27,965$25,142
14 years$44,459$38,479$33,199$28,563$24,514$21,827
15 years$41,066$35,151$29,974$25,473$21,584$19,029
16 years$38,101$32,251$27,176$22,809$19,076$16,650
17 years$35,488$29,702$24,729$20,493$16,914$14,612
18 years$33,167$27,446$22,575$18,469$15,039$12,858
19 years$31,093$25,436$20,666$16,688$13,405$11,340
20 years$29,229$23,637$18,966$15,114$11,973$10,021
21 years$27,544$22,017$17,445$13,717$10,715$8,870
22 years$26,015$20,552$16,078$12,472$9,604$7,863
23 years$24,621$19,222$14,846$11,359$8,621$6,980
24 years$23,344$18,009$13,730$10,360$7,749$6,203
25 years$22,172$16,901$12,716$9,461$6,973$5,518
26 years$21,092$15,884$11,794$8,651$6,281$4,914
27 years$20,093$14,949$10,952$7,918$5,663$4,378
28 years$19,168$14,086$10,181$7,255$5,110$3,904
29 years$18,307$13,289$9,474$6,653$4,614$3,484
30 years$17,506$12,550$8,825$6,106$4,169$3,110
31 years$16,758$11,864$8,227$5,607$3,769$2,778
32 years$16,058$11,225$7,676$5,153$3,409$2,482
33 years$15,401$10,631$7,167$4,739$3,086$2,219
34 years$14,785$10,076$6,697$4,360$2,794$1,984
35 years$14,205$9,556$6,261$4,014$2,530$1,775
36 years$13,659$9,070$5,857$3,697$2,293$1,588
37 years$13,143$8,615$5,482$3,406$2,078$1,422
38 years$12,656$8,187$5,134$3,139$1,884$1,273
39 years$12,195$7,785$4,810$2,895$1,708$1,139
40 years$11,758$7,407$4,508$2,670$1,549$1,020
41 years$11,343$7,051$4,227$2,463$1,406$914
42 years$10,949$6,715$3,965$2,273$1,276$819
43 years$10,575$6,398$3,721$2,099$1,158$733
44 years$10,218$6,099$3,493$1,938$1,051$657
45 years$9,878$5,816$3,279$1,790$954$589
46 years$9,554$5,548$3,080$1,653$866$528
47 years$9,245$5,294$2,894$1,527$786$473
48 years$8,950$5,054$2,719$1,411$714$424
49 years$8,667$4,826$2,556$1,304$649$380
50 years$8,397$4,610$2,403$1,205$589$341

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,600,000, adding $6,439 every year, while hoping to spend $57,015 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: 46/38/16 Blend
34$8,600,000$8,600,000$8,600,000$8,600,000
35$9,483,842$9,028,042$8,894,742$9,876,671
36$10,390,530$9,409,752$9,132,052$10,532,460
37$11,387,790$9,808,256$9,375,401$11,237,218
38$12,484,799$10,224,315$9,624,932$12,000,566
39$13,691,670$10,658,728$9,880,788$12,827,971
40$15,019,544$11,112,329$10,143,119$13,725,439
41$16,480,698$11,585,994$10,412,074$14,699,568
42$18,088,659$12,080,637$10,687,808$15,757,603
43$19,858,330$12,597,216$10,970,477$16,907,509
44$21,806,133$13,136,733$11,260,242$18,158,035
45$23,950,163$13,700,237$11,557,264$19,518,800
46$26,310,357$14,288,827$11,861,711$21,000,376
47$28,908,686$14,903,652$12,173,750$22,614,386
48$31,769,357$15,545,916$12,493,556$24,373,610
49$34,919,044$16,216,878$12,821,302$26,292,101
50$38,387,139$16,917,857$13,157,168$28,385,313
51$42,206,029$17,650,235$13,501,336$30,670,246
52$46,411,404$18,415,456$13,853,990$33,165,598
53$51,042,588$19,215,034$14,215,320$35,891,938
54$56,142,915$20,050,554$14,585,516$38,871,896
55$61,760,136$20,923,675$14,964,775$42,130,372
56$67,946,870$21,836,135$15,353,294$45,694,765
57$74,761,096$22,789,751$15,751,275$49,595,226
58$82,266,709$23,786,430$16,158,924$53,864,936
59$90,534,113$24,828,165$16,576,448$58,540,415
60$99,640,893$25,917,046$17,004,060$63,661,860
61$109,672,543$27,055,259$17,441,974$69,273,516
62$120,723,271$28,245,095$17,890,408$75,424,091
63$132,896,893$29,488,954$18,349,586$82,167,204
64$146,307,810$30,789,346$18,819,731$89,561,885
65$161,082,087$32,148,905$19,301,072$97,673,126
66$177,358,643$33,570,384$19,793,841$106,572,485
67$195,290,562$35,056,670$20,298,272$116,338,753
68$215,046,539$36,610,787$20,814,604$127,058,690
69$236,812,471$38,235,900$21,343,078$138,827,833
70$260,793,209$39,935,326$21,883,938$151,751,387
71$287,214,498$41,712,539$22,437,432$165,945,214
72$316,325,101$43,571,177$23,003,809$181,536,909
73$348,399,149$45,515,052$23,583,324$198,666,995
74$383,738,729$47,548,157$24,176,233$217,490,242
75$422,676,737$49,674,674$24,782,795$238,177,110
76$465,580,017$51,898,986$25,403,271$260,915,352
77$512,852,824$54,225,681$26,037,926$285,911,766
78$564,940,643$56,659,570$26,687,026$313,394,138
79$622,334,389$59,205,689$27,350,842$343,613,377
80$685,575,045$61,869,317$28,029,644$376,845,866
81$755,258,769$64,655,983$28,723,707$413,396,061
82$832,042,518$67,571,481$29,433,305$453,599,341
83$916,650,250$70,621,879$30,158,717$497,825,161
84$1,009,879,763$73,813,538$30,900,220$546,480,521
85$1,112,610,218$77,153,120$31,658,097$600,013,790
86$1,225,810,444$80,647,608$32,432,628$658,918,918
87$1,350,548,085$84,304,316$33,224,096$723,740,075
88$1,487,999,672$88,130,909$34,032,785$795,076,774
89$1,639,461,734$92,135,420$34,858,980$873,589,500
90$1,806,363,039$96,326,263$35,702,963$960,005,926
91$1,990,278,078$100,712,259$36,565,021$1,055,127,755
92$2,192,941,929$105,302,647$37,445,437$1,159,838,267
93$2,416,266,642$110,107,112$38,344,495$1,275,110,624
94$2,662,359,281$115,135,803$39,262,477$1,402,017,033
95$2,933,541,823$120,399,352$40,199,665$1,541,738,835
96$3,232,373,073$125,908,905$41,156,339$1,695,577,630
97$3,561,672,826$131,676,141$42,132,776$1,864,967,531
98$3,924,548,481$137,713,299$43,129,250$2,051,488,666
99$4,324,424,381$144,033,205$44,146,036$2,256,882,061
100$4,765,074,140$150,649,304$45,183,400$2,483,066,040