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%15.1%
1 years$743,212$736,591$730,133$723,828$717,673$702,608
2 years$367,927$361,074$354,433$347,994$341,749$326,642
3 years$242,848$235,966$229,342$222,963$216,820$202,143
4 years$180,321$173,460$166,902$160,633$154,638$140,503
5 years$142,814$135,995$129,523$123,381$117,553$104,002
6 years$117,818$111,050$104,674$98,669$93,016$80,061
7 years$99,971$93,260$86,984$81,121$75,647$63,292
8 years$86,591$79,941$73,770$68,051$62,756$50,998
9 years$76,191$69,603$63,538$57,964$52,850$41,679
10 years$67,875$61,351$55,394$49,966$45,031$34,436
11 years$61,076$54,618$48,768$43,485$38,728$28,697
12 years$55,414$49,022$43,280$38,142$33,561$24,077
13 years$50,626$44,301$38,668$33,674$29,266$20,314
14 years$46,527$40,269$34,743$29,892$25,654$17,216
15 years$42,977$36,786$31,369$26,658$22,588$14,646
16 years$39,873$33,751$28,440$23,870$19,963$12,498
17 years$37,138$31,083$25,879$21,447$17,701$10,693
18 years$34,710$28,722$23,625$19,328$15,739$9,169
19 years$32,539$26,619$21,627$17,464$14,028$7,877
20 years$30,588$24,736$19,848$15,817$12,530$6,778
21 years$28,825$23,041$18,257$14,355$11,213$5,840
22 years$27,225$21,508$16,826$13,052$10,051$5,037
23 years$25,766$20,116$15,536$11,887$9,022$4,349
24 years$24,430$18,847$14,368$10,841$8,110$3,758
25 years$23,203$17,687$13,308$9,901$7,297$3,250
26 years$22,073$16,623$12,342$9,053$6,573$2,813
27 years$21,028$15,644$11,461$8,286$5,926$2,435
28 years$20,059$14,741$10,654$7,592$5,347$2,109
29 years$19,159$13,907$9,915$6,962$4,829$1,828
30 years$18,320$13,133$9,235$6,390$4,363$1,584
31 years$17,537$12,416$8,610$5,868$3,944$1,374
32 years$16,804$11,748$8,033$5,393$3,568$1,192
33 years$16,118$11,125$7,501$4,959$3,229$1,034
34 years$15,473$10,544$7,008$4,563$2,924$897
35 years$14,866$10,001$6,552$4,201$2,648$778
36 years$14,294$9,492$6,129$3,869$2,399$676
37 years$13,754$9,016$5,737$3,564$2,175$587
38 years$13,244$8,568$5,372$3,285$1,971$509
39 years$12,762$8,147$5,033$3,029$1,788$442
40 years$12,304$7,752$4,718$2,794$1,622$384
41 years$11,870$7,379$4,424$2,578$1,471$333
42 years$11,458$7,027$4,150$2,379$1,335$290
43 years$11,066$6,696$3,894$2,196$1,211$251
44 years$10,693$6,382$3,655$2,028$1,100$218
45 years$10,338$6,086$3,432$1,873$998$190
46 years$9,999$5,806$3,223$1,730$906$165
47 years$9,675$5,541$3,028$1,598$823$143
48 years$9,366$5,289$2,846$1,477$747$124
49 years$9,070$5,051$2,675$1,365$679$108
50 years$8,787$4,825$2,515$1,262$617$94

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 $3,616 every year, while hoping to spend $22,659 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: 72/8/20 Blend
34$9,000,000$9,000,000$9,000,000$9,000,000
35$9,921,730$9,444,730$9,305,230$10,587,977
36$10,909,637$9,883,413$9,592,846$11,470,427
37$11,997,552$10,342,831$9,889,338$12,433,525
38$13,195,650$10,823,978$10,194,979$13,487,764
39$14,515,147$11,327,894$10,510,051$14,642,187
40$15,968,399$11,855,667$10,834,844$15,906,750
41$17,569,022$12,408,442$11,169,659$17,292,416
42$19,332,023$12,987,415$11,514,802$18,811,255
43$21,273,934$13,593,844$11,870,594$20,476,556
44$23,412,977$14,229,044$12,237,360$22,302,954
45$25,769,230$14,894,396$12,615,440$24,306,566
46$28,364,816$15,591,346$13,005,182$26,505,140
47$31,224,116$16,321,411$13,406,945$28,918,221
48$34,373,996$17,086,181$13,821,098$31,567,337
49$37,844,063$17,887,323$14,248,024$34,476,197
50$41,666,940$18,726,584$14,688,115$37,670,914
51$45,878,578$19,605,797$15,141,777$41,180,250
52$50,518,593$20,526,881$15,609,427$45,035,886
53$55,630,643$21,491,852$16,091,497$49,272,720
54$61,262,836$22,502,819$16,588,428$53,929,191
55$67,468,184$23,561,997$17,100,680$59,047,643
56$74,305,110$24,671,705$17,628,724$64,674,721
57$81,837,989$25,834,377$18,173,044$70,861,811
58$90,137,766$27,052,563$18,734,143$77,665,517
59$99,282,617$28,328,938$19,312,536$85,148,202
60$109,358,694$29,666,306$19,908,755$93,378,564
61$120,460,931$31,067,606$20,523,350$102,432,292
62$132,693,948$32,535,920$21,156,884$112,392,768
63$146,173,032$34,074,481$21,809,940$123,351,858
64$161,025,227$35,686,677$22,483,119$135,410,773
65$177,390,537$37,376,061$23,177,040$148,681,023
66$195,423,242$39,146,357$23,892,341$163,285,465
67$215,293,357$41,001,473$24,629,679$179,359,459
68$237,188,237$42,945,503$25,389,731$197,052,146
69$261,314,346$44,982,742$26,173,196$216,527,846
70$287,899,205$47,117,692$26,980,793$237,967,609
71$317,193,540$49,355,074$27,813,266$261,570,923
72$349,473,648$51,699,840$28,671,377$287,557,585
73$385,044,008$54,157,180$29,555,916$316,169,781
74$424,240,152$56,732,537$30,467,695$347,674,359
75$467,431,835$59,431,619$31,407,550$382,365,350
76$515,026,524$62,260,410$32,376,344$420,566,736
77$567,473,245$65,225,186$33,374,968$462,635,503
78$625,266,823$68,332,528$34,404,337$508,965,006
79$688,952,553$71,589,335$35,465,396$559,988,678
80$759,131,345$75,002,845$36,559,118$616,184,116
81$836,465,402$78,580,643$37,686,508$678,077,580
82$921,684,466$82,330,688$38,848,599$746,248,960
83$1,015,592,712$86,261,322$40,046,457$821,337,240
84$1,119,076,336$90,381,294$41,281,182$904,046,527
85$1,233,111,925$94,699,780$42,553,904$995,152,686
86$1,358,775,672$99,226,401$43,865,791$1,095,510,663
87$1,497,253,542$103,971,245$45,218,046$1,206,062,543
88$1,649,852,460$108,944,893$46,611,907$1,327,846,439
89$1,818,012,659$114,158,441$48,048,654$1,462,006,284
90$2,003,321,268$119,623,523$49,529,602$1,609,802,619
91$2,207,527,302$125,352,340$51,056,108$1,772,624,486
92$2,432,558,170$131,357,688$52,629,571$1,952,002,533
93$2,680,537,874$137,652,985$54,251,432$2,149,623,452
94$2,953,807,059$144,252,303$55,923,177$2,367,345,893
95$3,254,945,112$151,170,399$57,646,336$2,607,217,999
96$3,586,794,513$158,422,748$59,422,488$2,871,496,733
97$3,952,487,670$166,025,579$61,253,258$3,162,669,172
98$4,355,476,493$173,995,913$63,140,323$3,483,475,974
99$4,799,564,981$182,351,599$65,085,410$3,836,937,239
100$5,288,945,136$191,111,354$67,090,298$4,226,381,009