Can I retire at age 35 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$751,469$744,776$738,245$731,871$725,647$718,069
2 years$372,015$365,086$358,371$351,861$345,546$337,915
3 years$245,546$238,588$231,890$225,441$219,229$211,781
4 years$182,324$175,387$168,757$162,417$156,356$149,149
5 years$144,401$137,506$130,962$124,752$118,859$111,914
6 years$119,127$112,284$105,837$99,765$94,049$87,374
7 years$101,082$94,296$87,951$82,023$76,487$70,086
8 years$87,554$80,829$74,589$68,807$63,453$57,325
9 years$77,037$70,376$64,244$58,608$53,437$47,579
10 years$68,629$62,033$56,009$50,521$45,531$39,940
11 years$61,754$55,224$49,310$43,968$39,158$33,830
12 years$56,029$49,566$43,761$38,566$33,934$28,862
13 years$51,189$44,794$39,098$34,048$29,591$24,770
14 years$47,043$40,716$35,129$30,224$25,939$21,363
15 years$43,454$37,195$31,717$26,954$22,839$18,500
16 years$40,316$34,126$28,756$24,135$20,185$16,076
17 years$37,551$31,428$26,167$21,685$17,897$14,011
18 years$35,095$29,041$23,887$19,542$15,914$12,242
19 years$32,901$26,915$21,867$17,658$14,184$10,719
20 years$30,928$25,011$20,069$15,993$12,670$9,404
21 years$29,146$23,297$18,459$14,515$11,338$8,263
22 years$27,527$21,747$17,013$13,197$10,163$7,270
23 years$26,052$20,339$15,709$12,019$9,123$6,405
24 years$24,702$19,056$14,528$10,962$8,200$5,648
25 years$23,461$17,884$13,456$10,011$7,378$4,986
26 years$22,318$16,808$12,480$9,154$6,646$4,405
27 years$21,261$15,818$11,588$8,379$5,992$3,894
28 years$20,282$14,905$10,773$7,677$5,407$3,445
29 years$19,372$14,061$10,025$7,040$4,882$3,049
30 years$18,524$13,279$9,338$6,461$4,411$2,700
31 years$17,732$12,553$8,706$5,933$3,988$2,392
32 years$16,991$11,878$8,122$5,453$3,608$2,120
33 years$16,297$11,249$7,584$5,015$3,265$1,880
34 years$15,645$10,661$7,086$4,614$2,956$1,667
35 years$15,031$10,112$6,625$4,247$2,677$1,479
36 years$14,453$9,598$6,197$3,912$2,426$1,312
37 years$13,907$9,116$5,801$3,604$2,199$1,164
38 years$13,392$8,663$5,432$3,322$1,993$1,033
39 years$12,904$8,238$5,089$3,063$1,808$917
40 years$12,441$7,838$4,770$2,825$1,640$815
41 years$12,002$7,461$4,473$2,607$1,487$723
42 years$11,586$7,105$4,196$2,406$1,350$642
43 years$11,189$6,770$3,937$2,221$1,225$571
44 years$10,812$6,453$3,696$2,050$1,112$507
45 years$10,453$6,154$3,470$1,894$1,009$450
46 years$10,110$5,870$3,259$1,749$916$400
47 years$9,783$5,602$3,062$1,616$832$355
48 years$9,470$5,348$2,877$1,493$756$316
49 years$9,171$5,107$2,705$1,380$686$281
50 years$8,885$4,878$2,543$1,276$623$249

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,100,000, adding $2,669 every year, while hoping to spend $28,365 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: 32/46/22 Blend
34$9,100,000$9,100,000$9,100,000$9,100,000
35$10,030,953$9,548,653$9,407,603$10,283,757
36$11,023,930$9,986,357$9,692,578$10,911,985
37$12,117,240$10,444,558$9,986,148$11,585,438
38$13,321,087$10,924,229$10,288,573$12,310,247
39$14,646,715$11,426,394$10,600,117$13,090,930
40$16,106,514$11,952,121$10,921,055$13,932,435
41$17,714,136$12,502,532$11,251,667$14,840,181
42$19,484,625$13,078,804$11,592,245$15,820,107
43$21,434,559$13,682,167$11,943,088$16,878,721
44$23,582,205$14,313,914$12,304,502$18,023,159
45$25,947,692$14,975,399$12,676,806$19,261,244
46$28,553,203$15,668,039$13,060,325$20,601,557
47$31,423,179$16,393,323$13,455,395$22,053,512
48$34,584,556$17,152,808$13,862,363$23,627,438
49$38,067,013$17,948,128$14,281,585$25,334,671
50$41,903,259$18,780,997$14,713,429$27,187,654
51$46,129,334$19,653,208$15,158,271$29,200,049
52$50,784,955$20,566,644$15,616,502$31,386,860
53$55,913,887$21,523,277$16,088,522$33,764,561
54$61,564,361$22,525,174$16,574,744$36,351,253
55$67,789,521$23,574,503$17,075,594$39,166,818
56$74,647,933$24,673,535$17,591,507$42,233,106
57$82,204,136$25,824,652$18,122,937$45,574,127
58$90,529,249$27,030,351$18,670,346$49,216,271
59$99,701,642$28,293,248$19,234,212$53,188,546
60$109,807,678$29,616,086$19,815,027$57,522,842
61$120,942,530$31,001,742$20,413,299$62,254,225
62$133,211,072$32,453,232$21,029,548$67,421,251
63$146,728,876$33,973,715$21,664,313$73,066,323
64$161,623,299$35,566,505$22,318,146$79,236,077
65$178,034,689$37,235,077$22,991,616$85,981,811
66$196,117,703$38,983,071$23,685,311$93,359,954
67$216,042,774$40,814,307$24,399,835$101,432,587
68$237,997,716$42,732,787$25,135,808$110,268,015
69$262,189,497$44,742,708$25,893,872$119,941,394
70$288,846,195$46,848,469$26,674,685$130,535,424
71$318,219,146$49,054,684$27,478,927$142,141,120
72$350,585,324$51,366,189$28,307,296$154,858,645
73$386,249,948$53,788,053$29,160,512$168,798,242
74$425,549,370$56,325,594$30,039,315$184,081,256
75$468,854,242$58,984,385$30,944,469$200,841,257
76$516,573,026$61,770,271$31,876,759$219,225,284
77$569,155,838$64,689,378$32,836,994$239,395,207
78$627,098,706$67,748,130$33,826,006$261,529,234
79$690,948,249$70,953,264$34,844,653$285,823,571
80$761,306,839$74,311,842$35,893,817$312,494,246
81$838,838,283$77,831,269$36,974,407$341,779,126
82$924,274,097$81,519,310$38,087,358$373,940,130
83$1,018,420,404$85,384,105$39,233,634$409,265,678
84$1,122,165,550$89,434,191$40,414,226$448,073,382
85$1,236,488,489$93,678,519$41,630,155$490,713,010
86$1,362,468,022$98,126,474$42,882,472$537,569,760
87$1,501,292,985$102,787,896$44,172,260$589,067,857
88$1,654,273,471$107,673,105$45,500,632$645,674,526
89$1,822,853,198$112,792,919$46,868,736$707,904,360
90$2,008,623,137$118,158,686$48,277,752$776,324,144
91$2,213,336,536$123,782,300$49,728,896$851,558,160
92$2,438,925,468$129,676,238$51,223,419$934,294,038
93$2,687,519,072$135,853,580$52,762,609$1,025,289,205
94$2,961,463,654$142,328,042$54,347,794$1,125,377,981
95$3,263,344,839$149,114,009$55,980,337$1,235,479,413
96$3,596,011,980$156,226,562$57,661,646$1,356,605,895
97$3,962,605,057$163,681,519$59,393,166$1,489,872,671
98$4,366,584,324$171,495,464$61,176,388$1,636,508,306
99$4,811,762,972$179,685,789$63,012,844$1,797,866,226
100$5,302,343,135$188,270,732$64,904,114$1,975,437,430