Can I retire at age 35 with 8,800,000?

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 $8,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$726,696$720,223$713,907$707,743$701,724$691,523
2 years$359,750$353,050$346,557$340,261$334,154$323,899
3 years$237,451$230,722$224,245$218,009$212,001$202,009
4 years$176,314$169,605$163,193$157,063$151,201$141,550
5 years$139,641$132,973$126,645$120,639$114,941$105,659
6 years$115,200$108,582$102,348$96,476$90,949$82,046
7 years$97,749$91,187$85,051$79,318$73,966$65,446
8 years$84,667$78,164$72,130$66,538$61,362$53,224
9 years$74,498$68,056$62,126$56,676$51,675$43,915
10 years$66,367$59,988$54,163$48,855$44,030$36,642
11 years$59,718$53,404$47,684$42,519$37,867$30,844
12 years$54,182$47,932$42,318$37,295$32,815$26,147
13 years$49,501$43,317$37,809$32,925$28,615$22,295
14 years$45,493$39,374$33,971$29,228$25,084$19,100
15 years$42,022$35,969$30,671$26,066$22,086$16,429
16 years$38,987$33,001$27,808$23,339$19,520$14,178
17 years$36,313$30,392$25,304$20,970$17,307$12,270
18 years$33,938$28,084$23,100$18,898$15,389$10,644
19 years$31,816$26,028$21,147$17,076$13,717$9,253
20 years$29,908$24,186$19,407$15,466$12,252$8,057
21 years$28,185$22,529$17,851$14,036$10,964$7,027
22 years$26,620$21,030$16,452$12,762$9,828$6,136
23 years$25,193$19,669$15,191$11,623$8,822$5,364
24 years$23,887$18,428$14,049$10,601$7,929$4,694
25 years$22,688$17,294$13,012$9,681$7,135$4,111
26 years$21,582$16,254$12,068$8,852$6,427$3,603
27 years$20,560$15,296$11,206$8,102$5,795$3,160
28 years$19,613$14,414$10,418$7,423$5,229$2,773
29 years$18,733$13,598$9,695$6,807$4,721$2,435
30 years$17,913$12,842$9,030$6,248$4,266$2,138
31 years$17,147$12,140$8,419$5,738$3,857$1,879
32 years$16,431$11,487$7,855$5,273$3,489$1,652
33 years$15,760$10,878$7,334$4,849$3,157$1,452
34 years$15,129$10,310$6,852$4,462$2,859$1,277
35 years$14,536$9,779$6,407$4,107$2,589$1,123
36 years$13,976$9,281$5,993$3,783$2,346$988
37 years$13,449$8,815$5,609$3,485$2,126$870
38 years$12,950$8,378$5,253$3,212$1,928$765
39 years$12,478$7,966$4,922$2,962$1,748$674
40 years$12,031$7,579$4,613$2,732$1,585$593
41 years$11,607$7,215$4,325$2,521$1,438$522
42 years$11,204$6,871$4,057$2,326$1,305$460
43 years$10,820$6,547$3,807$2,147$1,185$405
44 years$10,456$6,240$3,574$1,983$1,075$356
45 years$10,108$5,951$3,356$1,831$976$314
46 years$9,777$5,677$3,152$1,691$886$276
47 years$9,460$5,417$2,961$1,563$805$243
48 years$9,158$5,172$2,783$1,444$731$214
49 years$8,869$4,939$2,615$1,335$664$189
50 years$8,592$4,718$2,459$1,233$603$166

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,800,000, adding $3,341 every year, while hoping to spend $44,265 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: 43/44/13 Blend
34$8,800,000$8,800,000$8,800,000$8,800,000
35$9,701,046$9,234,646$9,098,246$10,081,436
36$10,643,455$9,640,046$9,355,940$10,753,271
37$11,680,507$10,063,827$9,620,783$11,475,975
38$12,821,807$10,506,843$9,892,967$12,257,946
39$14,077,941$10,969,989$10,172,692$13,104,640
40$15,460,573$11,454,200$10,460,159$14,022,042
41$16,982,553$11,960,458$10,755,576$15,016,725
42$18,658,044$12,489,790$11,059,158$16,095,900
43$20,502,647$13,043,273$11,371,122$17,267,487
44$22,533,556$13,622,033$11,691,695$18,540,186
45$24,769,717$14,227,250$12,021,104$19,923,548
46$27,232,005$14,860,162$12,359,588$21,428,068
47$29,943,424$15,522,064$12,707,388$23,065,278
48$32,929,320$16,214,313$13,064,753$24,847,849
49$36,217,625$16,938,329$13,431,937$26,789,705
50$39,839,118$17,695,601$13,809,201$28,906,154
51$43,827,712$18,487,690$14,196,814$31,214,023
52$48,220,780$19,316,228$14,595,049$33,731,813
53$53,059,505$20,182,928$15,004,188$36,479,865
54$58,389,266$21,089,583$15,424,519$39,480,550
55$64,260,069$22,038,071$15,856,339$42,758,471
56$70,727,021$23,030,361$16,299,951$46,340,690
57$77,850,842$24,068,515$16,755,665$50,256,974
58$85,698,449$25,154,692$17,223,800$54,540,072
59$94,343,575$26,291,157$17,704,682$59,226,012
60$103,867,477$27,480,281$18,198,647$64,354,438
61$114,359,694$28,724,549$18,706,036$69,968,973
62$125,918,896$30,026,565$19,227,201$76,117,620
63$138,653,814$31,389,057$19,762,502$82,853,212
64$152,684,265$32,814,883$20,312,309$90,233,895
65$168,142,288$34,307,040$20,876,998$98,323,669
66$185,173,381$35,868,665$21,456,958$107,192,981
67$203,937,885$37,503,048$22,052,585$116,919,383
68$224,612,487$39,213,636$22,664,285$127,588,245
69$247,391,897$41,004,040$23,292,474$139,293,554
70$272,490,678$42,878,045$23,937,579$152,138,790
71$300,145,276$44,839,618$24,600,037$166,237,883
72$330,616,250$46,892,916$25,280,294$181,716,281
73$364,190,733$49,042,294$25,978,809$198,712,117
74$401,185,139$51,292,317$26,696,051$217,377,499
75$441,948,153$53,647,771$27,432,499$237,879,926
76$486,864,022$56,113,669$28,188,645$260,403,858
77$536,356,180$58,695,267$28,964,992$285,152,439
78$590,891,247$61,398,071$29,762,056$312,349,391
79$650,983,433$64,227,856$30,580,364$342,241,114
80$717,199,392$67,190,670$31,420,455$375,098,988
81$790,163,573$70,292,855$32,282,882$411,221,916
82$870,564,109$73,541,057$33,168,211$450,939,120
83$959,159,322$76,942,242$34,077,020$494,613,233
84$1,056,784,873$80,503,712$35,009,900$542,643,690
85$1,164,361,656$84,233,120$35,967,458$595,470,482
86$1,282,904,490$88,138,488$36,950,313$653,578,275
87$1,413,531,698$92,228,224$37,959,098$717,500,966
88$1,557,475,666$96,511,142$38,994,463$787,826,689
89$1,716,094,477$100,996,481$40,057,071$865,203,337
90$1,890,884,730$105,693,925$41,147,599$950,344,652
91$2,083,495,670$110,613,625$42,266,741$1,044,036,924
92$2,295,744,758$115,766,222$43,415,206$1,147,146,381
93$2,529,634,827$121,162,871$44,593,720$1,260,627,334
94$2,787,372,993$126,815,265$45,803,023$1,385,531,142
95$3,071,391,487$132,735,662$47,043,873$1,523,016,104
96$3,384,370,621$138,936,911$48,317,045$1,674,358,348
97$3,729,264,088$145,432,484$49,623,330$1,840,963,834
98$4,109,326,851$152,236,501$50,963,536$2,024,381,587
99$4,528,145,866$159,363,767$52,338,492$2,226,318,266
100$4,989,673,953$166,829,800$53,749,040$2,448,654,233