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

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 $8,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$710,180$703,854$697,682$691,658$685,776$678,897
2 years$351,574$345,026$338,681$332,528$326,560$319,631
3 years$232,055$225,479$219,149$213,054$207,183$200,420
4 years$172,307$165,751$159,484$153,493$147,765$141,219
5 years$136,467$129,951$123,766$117,898$112,328$106,019
6 years$112,582$106,114$100,022$94,284$88,882$82,817
7 years$95,528$89,115$83,118$77,516$72,285$66,467
8 years$82,743$76,388$70,491$65,026$59,967$54,396
9 years$72,804$66,509$60,714$55,388$50,501$45,175
10 years$64,858$58,625$52,932$47,745$43,029$37,945
11 years$58,361$52,190$46,600$41,552$37,007$32,160
12 years$52,951$46,843$41,357$36,447$32,069$27,455
13 years$48,376$42,332$36,949$32,177$27,965$23,578
14 years$44,459$38,479$33,199$28,563$24,514$20,348
15 years$41,066$35,151$29,974$25,473$21,584$17,633
16 years$38,101$32,251$27,176$22,809$19,076$15,333
17 years$35,488$29,702$24,729$20,493$16,914$13,373
18 years$33,167$27,446$22,575$18,469$15,039$11,693
19 years$31,093$25,436$20,666$16,688$13,405$10,246
20 years$29,229$23,637$18,966$15,114$11,973$8,995
21 years$27,544$22,017$17,445$13,717$10,715$7,909
22 years$26,015$20,552$16,078$12,472$9,604$6,964
23 years$24,621$19,222$14,846$11,359$8,621$6,140
24 years$23,344$18,009$13,730$10,360$7,749$5,419
25 years$22,172$16,901$12,716$9,461$6,973$4,787
26 years$21,092$15,884$11,794$8,651$6,281$4,233
27 years$20,093$14,949$10,952$7,918$5,663$3,745
28 years$19,168$14,086$10,181$7,255$5,110$3,315
29 years$18,307$13,289$9,474$6,653$4,614$2,937
30 years$17,506$12,550$8,825$6,106$4,169$2,603
31 years$16,758$11,864$8,227$5,607$3,769$2,308
32 years$16,058$11,225$7,676$5,153$3,409$2,047
33 years$15,401$10,631$7,167$4,739$3,086$1,816
34 years$14,785$10,076$6,697$4,360$2,794$1,612
35 years$14,205$9,556$6,261$4,014$2,530$1,431
36 years$13,659$9,070$5,857$3,697$2,293$1,271
37 years$13,143$8,615$5,482$3,406$2,078$1,129
38 years$12,656$8,187$5,134$3,139$1,884$1,003
39 years$12,195$7,785$4,810$2,895$1,708$891
40 years$11,758$7,407$4,508$2,670$1,549$792
41 years$11,343$7,051$4,227$2,463$1,406$704
42 years$10,949$6,715$3,965$2,273$1,276$626
43 years$10,575$6,398$3,721$2,099$1,158$556
44 years$10,218$6,099$3,493$1,938$1,051$494
45 years$9,878$5,816$3,279$1,790$954$440
46 years$9,554$5,548$3,080$1,653$866$391
47 years$9,245$5,294$2,894$1,527$786$348
48 years$8,950$5,054$2,719$1,411$714$309
49 years$8,667$4,826$2,556$1,304$649$275
50 years$8,397$4,610$2,403$1,205$589$244

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 $2,232 every year, while hoping to spend $45,695 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: 67/25/8 Blend
34$8,600,000$8,600,000$8,600,000$8,600,000
35$9,479,502$9,023,702$8,890,402$10,100,428
36$10,397,792$9,417,245$9,139,612$10,906,490
37$11,408,217$9,828,539$9,395,638$11,781,684
38$12,520,124$10,258,407$9,658,662$12,737,262
39$13,743,817$10,707,709$9,928,867$13,781,069
40$15,090,646$11,177,346$10,206,443$14,921,738
41$16,573,117$11,668,262$10,491,584$16,168,769
42$18,205,012$12,181,443$10,784,490$17,532,610
43$20,001,516$12,717,927$11,085,362$19,024,763
44$21,979,360$13,278,794$11,394,412$20,657,883
45$24,156,981$13,865,182$11,711,851$22,445,898
46$26,554,696$14,478,278$12,037,900$24,404,137
47$29,194,888$15,119,328$12,372,784$26,549,474
48$32,102,227$15,789,634$12,716,732$28,900,483
49$35,303,891$16,490,564$13,069,980$31,477,610
50$38,829,834$17,223,547$13,432,770$34,303,366
51$42,713,058$17,990,082$13,805,349$37,402,531
52$46,989,933$18,791,739$14,187,971$40,802,392
53$51,700,533$19,630,161$14,580,895$44,532,989
54$56,889,020$20,507,072$14,984,387$48,627,403
55$62,604,056$21,424,274$15,398,720$53,122,059
56$68,899,265$22,383,659$15,824,172$58,057,068
57$75,833,737$23,387,205$16,261,029$63,476,603
58$83,472,588$24,436,988$16,709,584$69,429,309
59$91,887,572$25,535,181$17,170,135$75,968,760
60$101,157,759$26,684,059$17,642,989$83,153,959
61$111,370,281$27,886,009$18,128,460$91,049,891
62$122,621,155$29,143,528$18,626,868$99,728,131
63$135,016,187$30,459,236$19,138,543$109,267,515
64$148,671,975$31,835,875$19,663,821$119,754,877
65$163,717,004$33,276,320$20,203,046$131,285,867
66$180,292,861$34,783,582$20,756,571$143,965,844
67$198,555,572$36,360,817$21,324,755$157,910,865
68$218,677,074$38,011,331$21,907,968$173,248,775
69$240,846,837$39,738,588$22,506,587$190,120,409
70$265,273,654$41,546,219$23,120,997$208,680,911
71$292,187,611$43,438,027$23,751,595$229,101,192
72$321,842,256$45,418,000$24,398,782$251,569,538
73$354,516,998$47,490,314$25,062,973$276,293,376
74$390,519,739$49,659,346$25,744,590$303,501,226
75$430,189,783$51,929,684$26,444,064$333,444,849
76$473,901,037$54,306,135$27,161,836$366,401,614
77$522,065,544$56,793,737$27,898,359$402,677,107
78$575,137,369$59,397,769$28,654,094$442,608,004
79$633,616,886$62,123,765$29,429,511$486,565,244
80$698,055,502$64,977,523$30,225,093$534,957,512
81$769,060,862$67,965,121$31,041,333$588,235,093
82$847,302,586$71,092,928$31,878,733$646,894,106
83$933,518,587$74,367,618$32,737,808$711,481,175
84$1,028,522,040$77,796,190$33,619,082$782,598,580
85$1,133,209,060$81,385,974$34,523,093$860,909,924
86$1,248,567,156$85,144,659$35,450,388$947,146,386
87$1,375,684,556$89,080,298$36,401,527$1,042,113,611
88$1,515,760,484$93,201,335$37,377,081$1,146,699,292
89$1,670,116,473$97,516,620$38,377,633$1,261,881,542
90$1,840,208,848$102,035,429$39,403,778$1,388,738,106
91$2,027,642,471$106,767,486$40,456,125$1,528,456,517
92$2,234,185,892$111,722,982$41,535,294$1,682,345,293
93$2,461,788,044$116,912,599$42,641,918$1,851,846,263
94$2,712,596,644$122,347,536$43,776,642$2,038,548,164
95$2,988,978,468$128,039,531$44,940,125$2,244,201,612
96$3,293,541,692$134,000,888$46,133,039$2,470,735,614
97$3,629,160,518$140,244,505$47,356,070$2,720,275,747
98$3,999,002,308$146,783,903$48,609,916$2,995,164,205
99$4,406,557,484$153,633,256$49,895,289$3,297,981,883
100$4,855,672,483$160,807,420$51,212,916$3,631,572,717