Can I retire at age 35 with 8,700,000?

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 $8,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$718,438$712,038$705,795$699,701$693,750$675,609
2 years$355,662$349,038$342,619$336,395$330,357$312,204
3 years$234,753$228,100$221,697$215,531$209,592$191,994
4 years$174,310$167,678$161,339$155,278$149,483$132,576
5 years$138,054$131,462$125,205$119,269$113,635$97,466
6 years$113,891$107,348$101,185$95,380$89,915$74,500
7 years$96,638$90,151$84,085$78,417$73,125$58,465
8 years$83,705$77,276$71,311$65,782$60,664$46,752
9 years$73,651$67,283$61,420$56,032$51,088$37,911
10 years$65,612$59,306$53,547$48,300$43,530$31,072
11 years$59,040$52,797$47,142$42,035$37,437$25,679
12 years$53,566$47,388$41,837$36,871$32,442$21,364
13 years$48,939$42,825$37,379$32,551$28,290$17,868
14 years$44,976$38,926$33,585$28,895$24,799$15,010
15 years$41,544$35,560$30,323$25,770$21,835$12,653
16 years$38,544$32,626$27,492$23,074$19,298$10,698
17 years$35,900$30,047$25,017$20,732$17,111$9,068
18 years$33,553$27,765$22,837$18,683$15,214$7,701
19 years$31,454$25,732$20,906$16,882$13,561$6,552
20 years$29,569$23,911$19,187$15,290$12,113$5,582
21 years$27,864$22,273$17,648$13,877$10,839$4,762
22 years$26,317$20,791$16,265$12,617$9,716$4,067
23 years$24,907$19,445$15,018$11,491$8,722$3,476
24 years$23,616$18,219$13,889$10,480$7,839$2,973
25 years$22,430$17,097$12,864$9,571$7,054$2,544
26 years$21,337$16,069$11,931$8,751$6,354$2,179
27 years$20,327$15,123$11,079$8,010$5,729$1,867
28 years$19,390$14,250$10,299$7,339$5,169$1,600
29 years$18,520$13,443$9,584$6,730$4,668$1,372
30 years$17,709$12,696$8,928$6,177$4,217$1,176
31 years$16,953$12,002$8,323$5,673$3,813$1,009
32 years$16,244$11,356$7,765$5,213$3,449$866
33 years$15,580$10,754$7,251$4,794$3,121$743
34 years$14,957$10,193$6,775$4,411$2,826$638
35 years$14,370$9,668$6,334$4,061$2,560$547
36 years$13,818$9,176$5,925$3,740$2,319$470
37 years$13,296$8,715$5,546$3,446$2,102$404
38 years$12,803$8,282$5,193$3,176$1,906$346
39 years$12,336$7,876$4,866$2,928$1,728$298
40 years$11,894$7,493$4,561$2,701$1,567$256
41 years$11,475$7,133$4,276$2,492$1,422$219
42 years$11,076$6,793$4,011$2,300$1,290$188
43 years$10,697$6,472$3,764$2,123$1,171$162
44 years$10,337$6,169$3,533$1,960$1,063$139
45 years$9,993$5,883$3,318$1,810$965$119
46 years$9,665$5,612$3,116$1,672$876$103
47 years$9,353$5,356$2,927$1,545$796$88
48 years$9,054$5,113$2,751$1,428$723$76
49 years$8,768$4,883$2,586$1,319$656$65
50 years$8,494$4,664$2,431$1,219$596$56

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,700,000, adding $3,753 every year, while hoping to spend $48,697 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: 46/26/28 Blend
34$8,700,000$8,700,000$8,700,000$8,700,000
35$9,591,271$9,130,171$8,995,321$9,954,969
36$10,517,768$9,525,736$9,244,851$10,608,568
37$11,537,135$9,939,052$9,501,108$11,312,302
38$12,658,793$10,370,937$9,764,267$12,074,954
39$13,893,125$10,822,247$10,034,504$12,902,073
40$15,251,567$11,293,881$10,312,003$13,799,755
41$16,746,722$11,786,776$10,596,951$14,774,697
42$18,392,478$12,301,918$10,889,539$15,834,264
43$20,204,134$12,840,336$11,189,962$16,986,549
44$22,198,552$13,403,108$11,498,422$18,240,452
45$24,394,309$13,991,365$11,815,123$19,605,757
46$26,811,875$14,606,288$12,140,276$21,093,226
47$29,473,807$15,249,118$12,474,097$22,714,692
48$32,404,961$15,921,150$12,816,804$24,483,174
49$35,632,724$16,623,743$13,168,624$26,412,990
50$39,187,277$17,358,322$13,529,788$28,519,895
51$43,101,874$18,126,375$13,900,531$30,821,221
52$47,413,161$18,929,463$14,281,095$33,336,041
53$52,161,519$19,769,222$14,671,728$36,085,340
54$57,391,445$20,647,365$15,072,681$39,092,217
55$63,151,970$21,565,684$15,484,214$42,382,091
56$69,497,127$22,526,058$15,906,591$45,982,941
57$76,486,455$23,530,456$16,340,082$49,925,564
58$84,185,564$24,580,939$16,784,966$54,243,862
59$92,666,753$25,679,666$17,241,524$58,975,155
60$102,009,693$26,828,901$17,710,045$64,160,531
61$112,302,176$28,031,012$18,190,827$69,845,226
62$123,640,949$29,288,483$18,684,171$76,079,048
63$136,132,622$30,603,914$19,190,386$82,916,839
64$149,894,674$31,980,031$19,709,789$90,418,985
65$165,056,567$33,419,688$20,242,703$98,651,987
66$181,760,960$34,925,876$20,789,457$107,689,072
67$200,165,063$36,501,729$21,350,389$117,610,887
68$220,442,116$38,150,530$21,925,843$128,506,244
69$242,783,025$39,875,719$22,516,172$140,472,959
70$267,398,165$41,680,901$23,121,735$153,618,763
71$294,519,364$43,569,852$23,742,900$168,062,309
72$324,402,093$45,546,528$24,380,041$183,934,291
73$357,327,876$47,615,077$25,033,541$201,378,659
74$393,606,946$49,779,843$25,703,792$220,553,976
75$433,581,178$52,045,379$26,391,193$241,634,902
76$477,627,312$54,416,456$27,096,151$264,813,833
77$526,160,507$56,898,072$27,819,082$290,302,708
78$579,638,267$59,495,466$28,560,410$318,334,995
79$638,564,755$62,214,128$29,320,568$349,167,887
80$703,495,551$65,059,812$30,099,998$383,084,717
81$775,042,900$68,038,545$30,899,151$420,397,619
82$853,881,489$71,156,647$31,718,485$461,450,462
83$940,754,817$74,420,738$32,558,470$506,622,081
84$1,036,482,212$77,837,759$33,419,583$556,329,844
85$1,141,966,570$81,414,981$34,302,311$611,033,569
86$1,258,202,872$85,160,027$35,207,151$671,239,857
87$1,386,287,582$89,080,885$36,134,607$737,506,851
88$1,527,428,995$93,185,928$37,085,196$810,449,495
89$1,682,958,644$97,483,930$38,059,442$890,745,314
90$1,854,343,872$101,984,089$39,057,879$979,140,799
91$2,043,201,682$106,696,045$40,081,053$1,076,458,426
92$2,251,314,003$111,629,900$41,129,518$1,183,604,408
93$2,480,644,511$116,796,246$42,203,837$1,301,577,225
94$2,733,357,171$122,206,181$43,304,585$1,431,477,027
95$3,011,836,660$127,871,341$44,432,346$1,574,515,997
96$3,318,710,884$133,803,922$45,587,714$1,732,029,774
97$3,656,875,785$140,016,705$46,771,294$1,905,490,029
98$4,029,522,683$146,523,092$47,983,700$2,096,518,340
99$4,440,168,400$153,337,126$49,225,557$2,306,901,466
100$4,892,688,464$160,473,533$50,497,501$2,538,608,190