Can I retire at age 35 with 9,000,000?

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 $9,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$743,212$736,591$730,133$723,828$717,673$713,748
2 years$367,927$361,074$354,433$347,994$341,749$337,789
3 years$242,848$235,966$229,342$222,963$216,820$212,947
4 years$180,321$173,460$166,902$160,633$154,638$150,882
5 years$142,814$135,995$129,523$123,381$117,553$113,925
6 years$117,818$111,050$104,674$98,669$93,016$89,520
7 years$99,971$93,260$86,984$81,121$75,647$72,286
8 years$86,591$79,941$73,770$68,051$62,756$59,530
9 years$76,191$69,603$63,538$57,964$52,850$49,757
10 years$67,875$61,351$55,394$49,966$45,031$42,071
11 years$61,076$54,618$48,768$43,485$38,728$35,898
12 years$55,414$49,022$43,280$38,142$33,561$30,859
13 years$50,626$44,301$38,668$33,674$29,266$26,689
14 years$46,527$40,269$34,743$29,892$25,654$23,200
15 years$42,977$36,786$31,369$26,658$22,588$20,253
16 years$39,873$33,751$28,440$23,870$19,963$17,745
17 years$37,138$31,083$25,879$21,447$17,701$15,595
18 years$34,710$28,722$23,625$19,328$15,739$13,742
19 years$32,539$26,619$21,627$17,464$14,028$12,136
20 years$30,588$24,736$19,848$15,817$12,530$10,740
21 years$28,825$23,041$18,257$14,355$11,213$9,521
22 years$27,225$21,508$16,826$13,052$10,051$8,453
23 years$25,766$20,116$15,536$11,887$9,022$7,515
24 years$24,430$18,847$14,368$10,841$8,110$6,689
25 years$23,203$17,687$13,308$9,901$7,297$5,959
26 years$22,073$16,623$12,342$9,053$6,573$5,315
27 years$21,028$15,644$11,461$8,286$5,926$4,743
28 years$20,059$14,741$10,654$7,592$5,347$4,236
29 years$19,159$13,907$9,915$6,962$4,829$3,786
30 years$18,320$13,133$9,235$6,390$4,363$3,386
31 years$17,537$12,416$8,610$5,868$3,944$3,029
32 years$16,804$11,748$8,033$5,393$3,568$2,711
33 years$16,118$11,125$7,501$4,959$3,229$2,428
34 years$15,473$10,544$7,008$4,563$2,924$2,174
35 years$14,866$10,001$6,552$4,201$2,648$1,948
36 years$14,294$9,492$6,129$3,869$2,399$1,746
37 years$13,754$9,016$5,737$3,564$2,175$1,565
38 years$13,244$8,568$5,372$3,285$1,971$1,404
39 years$12,762$8,147$5,033$3,029$1,788$1,259
40 years$12,304$7,752$4,718$2,794$1,622$1,129
41 years$11,870$7,379$4,424$2,578$1,471$1,013
42 years$11,458$7,027$4,150$2,379$1,335$909
43 years$11,066$6,696$3,894$2,196$1,211$816
44 years$10,693$6,382$3,655$2,028$1,100$732
45 years$10,338$6,086$3,432$1,873$998$657
46 years$9,999$5,806$3,223$1,730$906$590
47 years$9,675$5,541$3,028$1,598$823$530
48 years$9,366$5,289$2,846$1,477$747$476
49 years$9,070$5,051$2,675$1,365$679$427
50 years$8,787$4,825$2,515$1,262$617$384

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,000,000, adding $3,240 every year, while hoping to spend $27,670 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: 62/25/13 Blend
34$9,000,000$9,000,000$9,000,000$9,000,000
35$9,921,342$9,444,342$9,304,842$10,505,322
36$10,903,878$9,877,674$9,587,114$11,330,813
37$11,985,706$10,331,312$9,877,914$12,228,072
38$13,176,923$10,806,222$10,177,499$13,206,832
39$14,488,658$11,303,415$10,486,134$14,274,996
40$15,933,172$11,823,953$10,804,091$15,441,257
41$17,523,976$12,368,948$11,131,649$16,715,176
42$19,275,960$12,939,565$11,469,097$18,107,270
43$21,205,529$13,537,024$11,816,732$19,629,108
44$23,330,762$14,162,607$12,174,862$21,293,419
45$25,671,579$14,817,655$12,543,800$23,114,210
46$28,249,935$15,503,574$12,923,871$25,106,890
47$31,090,018$16,221,839$13,315,411$27,288,419
48$34,218,485$16,973,995$13,718,762$29,677,462
49$37,664,710$17,761,660$14,134,280$32,294,561
50$41,461,062$18,586,533$14,562,330$35,162,325
51$45,643,211$19,450,393$15,003,289$38,305,643
52$50,250,461$20,355,106$15,457,542$41,751,911
53$55,326,129$21,302,626$15,925,490$45,531,290
54$60,917,943$22,295,004$16,407,543$49,676,984
55$67,078,501$23,334,388$16,904,124$54,225,550
56$73,865,765$24,423,029$17,415,669$59,217,238
57$81,343,605$25,563,290$17,942,626$64,696,368
58$89,582,406$26,757,644$18,485,457$70,711,740
59$98,659,730$28,008,687$19,044,639$77,317,092
60$108,661,049$29,319,139$19,620,660$84,571,601
61$119,680,550$30,691,851$20,214,026$92,540,436
62$131,822,026$32,129,812$20,825,256$101,295,366
63$145,199,856$33,636,156$21,454,885$110,915,433
64$159,940,082$35,214,168$22,103,464$121,487,690
65$176,181,600$36,867,293$22,771,561$133,108,016
66$194,077,475$38,599,141$23,459,759$145,882,015
67$213,796,376$40,413,498$24,168,661$159,926,005
68$235,524,181$42,314,334$24,898,885$175,368,107
69$259,465,719$44,305,808$25,651,069$192,349,447
70$285,846,714$46,392,284$26,425,871$211,025,481
71$314,915,908$48,578,335$27,223,967$231,567,450
72$346,947,414$50,868,757$28,046,054$254,163,989
73$382,243,301$53,268,577$28,892,847$279,022,901
74$421,136,447$55,783,066$29,765,087$306,373,103
75$463,993,681$58,417,753$30,663,533$336,466,776
76$511,219,243$61,178,430$31,588,969$369,581,743
77$563,258,607$64,071,173$32,542,200$406,024,067
78$620,602,678$67,102,354$33,524,057$446,130,939
79$683,792,433$70,278,651$34,535,395$490,273,841
80$753,424,024$73,607,068$35,577,093$538,862,045
81$830,154,406$77,094,946$36,650,058$592,346,456
82$914,707,544$80,749,987$37,755,223$651,223,859
83$1,007,881,239$84,580,262$38,893,549$716,041,593
84$1,110,554,668$88,594,237$40,066,025$787,402,697
85$1,223,696,677$92,800,787$41,273,669$865,971,592
86$1,348,374,931$97,209,220$42,517,531$952,480,332
87$1,485,765,996$101,829,293$43,798,690$1,047,735,496
88$1,637,166,438$106,671,239$45,118,257$1,152,625,785
89$1,804,005,074$111,745,789$46,477,377$1,268,130,392
90$1,987,856,452$117,064,193$47,877,230$1,395,328,219
91$2,190,455,720$122,638,248$49,319,027$1,535,408,047
92$2,413,715,008$128,480,327$50,804,019$1,689,679,732
93$2,659,741,477$134,603,401$52,333,492$1,859,586,545
94$2,930,857,212$141,021,073$53,908,769$2,046,718,775
95$3,229,621,150$147,747,607$55,531,214$2,252,828,712
96$3,558,853,228$154,797,961$57,202,231$2,479,847,164
97$3,921,661,017$162,187,820$58,923,265$2,729,901,653
98$4,321,469,049$169,933,632$60,695,804$3,005,336,473
99$4,762,051,158$178,052,646$62,521,378$3,308,734,786
100$5,247,566,097$186,562,947$64,401,566$3,642,942,975