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%14.9%
1 years$718,438$712,038$705,795$699,701$693,750$679,743
2 years$355,662$349,038$342,619$336,395$330,357$316,307
3 years$234,753$228,100$221,697$215,531$209,592$195,936
4 years$174,310$167,678$161,339$155,278$149,483$136,327
5 years$138,054$131,462$125,205$119,269$113,635$101,016
6 years$113,891$107,348$101,185$95,380$89,915$77,848
7 years$96,638$90,151$84,085$78,417$73,125$61,612
8 years$83,705$77,276$71,311$65,782$60,664$49,701
9 years$73,651$67,283$61,420$56,032$51,088$40,668
10 years$65,612$59,306$53,547$48,300$43,530$33,643
11 years$59,040$52,797$47,142$42,035$37,437$28,071
12 years$53,566$47,388$41,837$36,871$32,442$23,583
13 years$48,939$42,825$37,379$32,551$28,290$19,923
14 years$44,976$38,926$33,585$28,895$24,799$16,908
15 years$41,544$35,560$30,323$25,770$21,835$14,404
16 years$38,544$32,626$27,492$23,074$19,298$12,309
17 years$35,900$30,047$25,017$20,732$17,111$10,547
18 years$33,553$27,765$22,837$18,683$15,214$9,057
19 years$31,454$25,732$20,906$16,882$13,561$7,792
20 years$29,569$23,911$19,187$15,290$12,113$6,714
21 years$27,864$22,273$17,648$13,877$10,839$5,794
22 years$26,317$20,791$16,265$12,617$9,716$5,005
23 years$24,907$19,445$15,018$11,491$8,722$4,329
24 years$23,616$18,219$13,889$10,480$7,839$3,746
25 years$22,430$17,097$12,864$9,571$7,054$3,245
26 years$21,337$16,069$11,931$8,751$6,354$2,813
27 years$20,327$15,123$11,079$8,010$5,729$2,439
28 years$19,390$14,250$10,299$7,339$5,169$2,116
29 years$18,520$13,443$9,584$6,730$4,668$1,837
30 years$17,709$12,696$8,928$6,177$4,217$1,595
31 years$16,953$12,002$8,323$5,673$3,813$1,385
32 years$16,244$11,356$7,765$5,213$3,449$1,203
33 years$15,580$10,754$7,251$4,794$3,121$1,046
34 years$14,957$10,193$6,775$4,411$2,826$909
35 years$14,370$9,668$6,334$4,061$2,560$790
36 years$13,818$9,176$5,925$3,740$2,319$687
37 years$13,296$8,715$5,546$3,446$2,102$597
38 years$12,803$8,282$5,193$3,176$1,906$520
39 years$12,336$7,876$4,866$2,928$1,728$452
40 years$11,894$7,493$4,561$2,701$1,567$393
41 years$11,475$7,133$4,276$2,492$1,422$342
42 years$11,076$6,793$4,011$2,300$1,290$297
43 years$10,697$6,472$3,764$2,123$1,171$259
44 years$10,337$6,169$3,533$1,960$1,063$225
45 years$9,993$5,883$3,318$1,810$965$196
46 years$9,665$5,612$3,116$1,672$876$170
47 years$9,353$5,356$2,927$1,545$796$148
48 years$9,054$5,113$2,751$1,428$723$129
49 years$8,768$4,883$2,586$1,319$656$112
50 years$8,494$4,664$2,431$1,219$596$98

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 $4,864 every year, while hoping to spend $30,842 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: 80/14/6 Blend
34$8,700,000$8,700,000$8,700,000$8,700,000
35$9,592,417$9,131,317$8,996,467$10,355,117
36$10,538,028$9,545,936$9,265,033$11,269,735
37$11,579,058$9,979,838$9,541,562$12,268,471
38$12,725,206$10,433,934$9,826,289$13,363,356
39$13,987,162$10,909,181$10,119,454$14,563,970
40$15,376,702$11,406,581$10,421,306$15,880,857
41$16,906,806$11,927,184$10,732,100$17,325,630
42$18,591,772$12,472,088$11,052,098$18,911,074
43$20,447,361$13,042,448$11,381,571$20,651,267
44$22,490,935$13,639,472$11,720,797$22,561,713
45$24,741,629$14,264,424$12,070,062$24,659,483
46$27,220,527$14,918,633$12,429,661$26,963,379
47$29,950,863$15,603,489$12,799,897$29,494,107
48$32,958,240$16,320,448$13,181,082$32,274,472
49$36,270,869$17,071,039$13,573,537$35,329,589
50$39,919,840$17,856,862$13,977,593$38,687,123
51$43,939,409$18,679,594$14,393,588$42,377,542
52$48,367,329$19,540,994$14,821,873$46,434,408
53$53,245,199$20,442,905$15,262,808$50,894,689
54$58,618,860$21,387,258$15,716,763$55,799,104
55$64,538,828$22,376,078$16,184,119$61,192,510
56$71,060,769$23,411,487$16,665,268$67,124,319
57$78,246,026$24,495,708$17,160,613$73,648,961
58$86,162,197$25,631,074$17,670,570$80,826,398
59$94,883,773$26,820,028$18,195,565$88,722,689
60$104,492,839$28,065,131$18,736,038$97,410,603
61$115,079,854$29,369,068$19,292,441$106,970,311
62$126,744,500$30,734,653$19,865,239$117,490,135
63$139,596,625$32,164,837$20,454,910$129,067,380
64$153,757,278$33,662,712$21,061,947$141,809,249
65$169,359,855$35,231,519$21,686,857$155,833,849
66$186,551,354$36,874,657$22,330,160$171,271,307
67$205,493,764$38,595,687$22,992,393$188,264,988
68$226,365,597$40,398,345$23,674,107$206,972,852
69$249,363,568$42,286,544$24,375,869$227,568,933
70$274,704,455$44,264,388$25,098,264$250,244,981
71$302,627,146$46,336,179$25,841,892$275,212,269
72$333,394,891$48,506,428$26,607,371$302,703,580
73$367,297,788$50,779,861$27,395,337$332,975,398
74$404,655,524$53,161,436$28,206,443$366,310,328
75$445,820,391$55,656,350$29,041,362$403,019,754
76$491,180,609$58,270,049$29,900,785$443,446,777
77$541,163,995$61,008,245$30,785,426$487,969,441
78$596,242,000$63,876,927$31,696,015$537,004,304
79$656,934,158$66,882,371$32,633,306$591,010,356
80$723,812,994$70,031,159$33,598,073$650,493,349
81$797,509,426$73,330,192$34,591,115$716,010,563
82$878,718,720$76,786,703$35,613,250$788,176,060
83$968,207,056$80,408,279$36,665,321$867,666,471
84$1,066,818,763$84,202,871$37,748,196$955,227,376
85$1,175,484,283$88,178,818$38,862,766$1,051,680,335
86$1,295,228,961$92,344,862$40,009,951$1,157,930,633
87$1,427,182,723$96,710,168$41,190,692$1,274,975,817
88$1,572,590,741$101,284,347$42,405,960$1,403,915,103
89$1,732,825,192$106,077,475$43,656,755$1,545,959,744
90$1,909,398,207$111,100,117$44,944,103$1,702,444,453
91$2,103,976,153$116,363,352$46,269,059$1,874,839,988
92$2,318,395,359$121,878,794$47,632,710$2,064,767,032
93$2,554,679,453$127,658,622$49,036,173$2,274,011,475
94$2,815,058,469$133,715,606$50,480,597$2,504,541,261
95$3,101,989,898$140,063,137$51,967,163$2,758,524,955
96$3,418,181,891$146,715,254$53,497,086$3,038,352,199
97$3,766,618,821$153,686,678$55,071,616$3,346,656,258
98$4,150,589,463$160,992,848$56,692,037$3,686,338,862
99$4,573,718,040$168,649,948$58,359,671$4,060,597,587
100$5,039,998,437$176,674,953$60,075,878$4,472,956,019