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%11.6%
1 years$743,212$736,591$730,133$723,828$717,673$712,851
2 years$367,927$361,074$354,433$347,994$341,749$336,886
3 years$242,848$235,966$229,342$222,963$216,820$212,066
4 years$180,321$173,460$166,902$160,633$154,638$150,030
5 years$142,814$135,995$129,523$123,381$117,553$113,105
6 years$117,818$111,050$104,674$98,669$93,016$88,733
7 years$99,971$93,260$86,984$81,121$75,647$71,532
8 years$86,591$79,941$73,770$68,051$62,756$58,809
9 years$76,191$69,603$63,538$57,964$52,850$49,069
10 years$67,875$61,351$55,394$49,966$45,031$41,414
11 years$61,076$54,618$48,768$43,485$38,728$35,273
12 years$55,414$49,022$43,280$38,142$33,561$30,265
13 years$50,626$44,301$38,668$33,674$29,266$26,125
14 years$46,527$40,269$34,743$29,892$25,654$22,665
15 years$42,977$36,786$31,369$26,658$22,588$19,747
16 years$39,873$33,751$28,440$23,870$19,963$17,266
17 years$37,138$31,083$25,879$21,447$17,701$15,142
18 years$34,710$28,722$23,625$19,328$15,739$13,315
19 years$32,539$26,619$21,627$17,464$14,028$11,735
20 years$30,588$24,736$19,848$15,817$12,530$10,362
21 years$28,825$23,041$18,257$14,355$11,213$9,166
22 years$27,225$21,508$16,826$13,052$10,051$8,119
23 years$25,766$20,116$15,536$11,887$9,022$7,202
24 years$24,430$18,847$14,368$10,841$8,110$6,395
25 years$23,203$17,687$13,308$9,901$7,297$5,685
26 years$22,073$16,623$12,342$9,053$6,573$5,058
27 years$21,028$15,644$11,461$8,286$5,926$4,504
28 years$20,059$14,741$10,654$7,592$5,347$4,013
29 years$19,159$13,907$9,915$6,962$4,829$3,578
30 years$18,320$13,133$9,235$6,390$4,363$3,191
31 years$17,537$12,416$8,610$5,868$3,944$2,848
32 years$16,804$11,748$8,033$5,393$3,568$2,543
33 years$16,118$11,125$7,501$4,959$3,229$2,271
34 years$15,473$10,544$7,008$4,563$2,924$2,030
35 years$14,866$10,001$6,552$4,201$2,648$1,814
36 years$14,294$9,492$6,129$3,869$2,399$1,622
37 years$13,754$9,016$5,737$3,564$2,175$1,450
38 years$13,244$8,568$5,372$3,285$1,971$1,297
39 years$12,762$8,147$5,033$3,029$1,788$1,160
40 years$12,304$7,752$4,718$2,794$1,622$1,038
41 years$11,870$7,379$4,424$2,578$1,471$929
42 years$11,458$7,027$4,150$2,379$1,335$832
43 years$11,066$6,696$3,894$2,196$1,211$744
44 years$10,693$6,382$3,655$2,028$1,100$666
45 years$10,338$6,086$3,432$1,873$998$597
46 years$9,999$5,806$3,223$1,730$906$534
47 years$9,675$5,541$3,028$1,598$823$478
48 years$9,366$5,289$2,846$1,477$747$428
49 years$9,070$5,051$2,675$1,365$679$384
50 years$8,787$4,825$2,515$1,262$617$344

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 $6,711 every year, while hoping to spend $46,764 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: 55/39/6 Blend
34$9,000,000$9,000,000$9,000,000$9,000,000
35$9,924,922$9,447,922$9,308,422$10,457,416
36$10,887,508$9,861,114$9,570,498$11,230,508
37$11,946,710$10,292,985$9,839,786$12,065,992
38$13,112,334$10,744,400$10,116,478$12,974,438
39$14,395,184$11,216,268$10,400,772$13,962,777
40$15,807,164$11,709,537$10,692,869$15,038,625
41$17,361,392$12,225,201$10,992,978$16,210,353
42$19,072,321$12,764,303$11,301,310$17,487,160
43$20,955,877$13,327,933$11,618,083$18,879,159
44$23,029,608$13,917,234$11,943,520$20,397,467
45$25,312,851$14,533,401$12,277,851$22,054,308
46$27,826,913$15,177,689$12,621,311$23,863,123
47$30,595,273$15,851,410$12,974,138$25,838,696
48$33,643,800$16,555,938$13,336,581$27,997,283
49$37,001,003$17,292,715$13,708,892$30,356,769
50$40,698,295$18,063,247$14,091,330$32,936,826
51$44,770,291$18,869,117$14,484,160$35,759,098
52$49,255,135$19,711,978$14,887,653$38,847,399
53$54,194,859$20,593,565$15,302,090$42,227,929
54$59,635,779$21,515,694$15,727,755$45,929,524
55$65,628,934$22,480,269$16,164,940$49,983,914
56$72,230,565$23,489,282$16,613,946$54,426,021
57$79,502,649$24,544,823$17,075,079$59,294,283
58$87,513,479$25,649,079$17,548,653$64,631,008
59$96,338,312$26,804,342$18,034,992$70,482,767
60$106,060,080$28,013,015$18,534,424$76,900,827
61$116,770,170$29,277,614$19,047,288$83,941,630
62$128,569,285$30,600,775$19,573,930$91,667,311
63$141,568,399$31,985,260$20,114,704$100,146,286
64$155,889,802$33,433,964$20,669,973$109,453,879
65$171,668,253$34,949,919$21,240,108$119,673,033
66$189,052,253$36,536,304$21,825,490$130,895,079
67$208,205,447$38,196,447$22,426,509$143,220,587
68$229,308,168$39,933,838$23,043,562$156,760,310
69$252,559,137$41,752,133$23,677,058$171,636,215
70$278,177,345$43,655,162$24,327,414$187,982,624
71$306,404,110$45,646,941$24,995,059$205,947,471
72$337,505,364$47,731,677$25,680,429$225,693,686
73$371,774,160$49,913,778$26,383,971$247,400,718
74$409,533,435$52,197,864$27,106,145$271,266,221
75$451,139,063$54,588,776$27,847,419$297,507,898
76$496,983,212$57,091,591$28,608,271$326,365,549
77$547,498,044$59,711,623$29,389,193$358,103,314
78$603,159,800$62,454,448$30,190,686$393,012,153
79$664,493,288$65,325,905$31,013,263$431,412,575
80$732,076,845$68,332,116$31,857,449$473,657,647
81$806,547,790$71,479,496$32,723,780$520,136,307
82$888,608,443$74,774,770$33,612,805$571,277,015
83$979,032,755$78,224,985$34,525,085$627,551,783
84$1,078,673,614$81,837,527$35,461,194$689,480,602
85$1,188,470,896$85,620,138$36,421,716$757,636,337
86$1,309,460,336$89,580,934$37,407,253$832,650,104
87$1,442,783,309$93,728,419$38,418,415$915,217,209
88$1,589,697,603$98,071,508$39,455,829$1,006,103,682
89$1,751,589,293$102,619,546$40,520,133$1,106,153,488
90$1,929,985,825$107,382,328$41,611,982$1,216,296,460
91$2,126,570,438$112,370,121$42,732,041$1,337,557,050
92$2,343,198,052$117,593,686$43,880,994$1,471,063,973
93$2,581,912,781$123,064,305$45,059,536$1,618,060,824
94$2,844,967,232$128,793,803$46,268,377$1,779,917,791
95$3,134,843,766$134,794,576$47,508,244$1,958,144,549
96$3,454,277,938$141,079,617$48,779,878$2,154,404,483
97$3,806,284,318$147,662,549$50,084,035$2,370,530,342
98$4,194,184,956$154,557,651$51,421,487$2,608,541,512
99$4,621,640,737$161,779,891$52,793,022$2,870,663,028
100$5,092,685,948$169,344,962$54,199,444$3,159,346,543