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%18.4%
1 years$751,469$744,776$738,245$731,871$725,647$701,016
2 years$372,015$365,086$358,371$351,861$345,546$320,978
3 years$245,546$238,588$231,890$225,441$219,229$195,495
4 years$182,324$175,387$168,757$162,417$156,356$133,638
5 years$144,401$137,506$130,962$124,752$118,859$97,217
6 years$119,127$112,284$105,837$99,765$94,049$73,500
7 years$101,082$94,296$87,951$82,023$76,487$57,028
8 years$87,554$80,829$74,589$68,807$63,453$45,069
9 years$77,037$70,376$64,244$58,608$53,437$36,104
10 years$68,629$62,033$56,009$50,521$45,531$29,222
11 years$61,754$55,224$49,310$43,968$39,158$23,842
12 years$56,029$49,566$43,761$38,566$33,934$19,574
13 years$51,189$44,794$39,098$34,048$29,591$16,151
14 years$47,043$40,716$35,129$30,224$25,939$13,381
15 years$43,454$37,195$31,717$26,954$22,839$11,122
16 years$40,316$34,126$28,756$24,135$20,185$9,270
17 years$37,551$31,428$26,167$21,685$17,897$7,743
18 years$35,095$29,041$23,887$19,542$15,914$6,479
19 years$32,901$26,915$21,867$17,658$14,184$5,430
20 years$30,928$25,011$20,069$15,993$12,670$4,556
21 years$29,146$23,297$18,459$14,515$11,338$3,827
22 years$27,527$21,747$17,013$13,197$10,163$3,217
23 years$26,052$20,339$15,709$12,019$9,123$2,707
24 years$24,702$19,056$14,528$10,962$8,200$2,279
25 years$23,461$17,884$13,456$10,011$7,378$1,919
26 years$22,318$16,808$12,480$9,154$6,646$1,617
27 years$21,261$15,818$11,588$8,379$5,992$1,363
28 years$20,282$14,905$10,773$7,677$5,407$1,150
29 years$19,372$14,061$10,025$7,040$4,882$970
30 years$18,524$13,279$9,338$6,461$4,411$818
31 years$17,732$12,553$8,706$5,933$3,988$690
32 years$16,991$11,878$8,122$5,453$3,608$582
33 years$16,297$11,249$7,584$5,015$3,265$492
34 years$15,645$10,661$7,086$4,614$2,956$415
35 years$15,031$10,112$6,625$4,247$2,677$350
36 years$14,453$9,598$6,197$3,912$2,426$296
37 years$13,907$9,116$5,801$3,604$2,199$250
38 years$13,392$8,663$5,432$3,322$1,993$211
39 years$12,904$8,238$5,089$3,063$1,808$178
40 years$12,441$7,838$4,770$2,825$1,640$150
41 years$12,002$7,461$4,473$2,607$1,487$127
42 years$11,586$7,105$4,196$2,406$1,350$107
43 years$11,189$6,770$3,937$2,221$1,225$91
44 years$10,812$6,453$3,696$2,050$1,112$76
45 years$10,453$6,154$3,470$1,894$1,009$65
46 years$10,110$5,870$3,259$1,749$916$55
47 years$9,783$5,602$3,062$1,616$832$46
48 years$9,470$5,348$2,877$1,493$756$39
49 years$9,171$5,107$2,705$1,380$686$33
50 years$8,885$4,878$2,543$1,276$623$28

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 $6,951 every year, while hoping to spend $59,415 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: 56/32/12 Blend
34$9,100,000$9,100,000$9,100,000$9,100,000
35$10,035,370$9,553,070$9,412,020$10,566,530
36$10,995,761$9,957,953$9,664,106$11,331,788
37$12,052,120$10,380,685$9,922,645$12,157,808
38$13,214,173$10,822,076$10,187,791$13,056,142
39$14,492,638$11,282,976$10,459,700$14,033,708
40$15,899,320$11,764,275$10,738,534$15,098,111
41$17,447,230$12,266,903$11,024,453$16,257,712
42$19,150,701$12,791,835$11,317,626$17,521,705
43$21,025,527$13,340,090$11,618,221$18,900,200
44$23,089,111$13,912,735$11,926,413$20,404,317
45$25,360,629$14,510,888$12,242,376$22,046,286
46$27,861,210$15,135,717$12,566,292$23,839,561
47$30,614,134$15,788,448$12,898,343$25,798,944
48$33,645,055$16,470,362$13,238,717$27,940,719
49$36,982,241$17,182,800$13,587,605$30,282,806
50$40,656,840$17,927,168$13,945,200$32,844,921
51$44,703,174$18,704,935$14,311,700$35,648,766
52$49,159,063$19,517,642$14,687,308$38,718,220
53$54,066,182$20,366,901$15,072,227$42,079,569
54$59,470,454$21,254,400$15,466,667$45,761,747
55$65,422,481$22,181,907$15,870,841$49,796,600
56$71,978,024$23,151,271$16,284,966$54,219,189
57$79,198,531$24,164,431$16,709,260$59,068,111
58$87,151,710$25,223,417$17,143,949$64,385,860
59$95,912,173$26,330,353$17,589,260$70,219,224
60$105,562,140$27,487,466$18,045,426$76,619,717
61$116,192,212$28,697,085$18,512,681$83,644,063
62$127,902,227$29,961,651$18,991,265$91,354,723
63$140,802,203$31,283,722$19,481,421$99,820,481
64$155,013,376$32,665,973$19,983,398$109,117,082
65$170,669,344$34,111,208$20,497,444$119,327,946
66$187,917,325$35,622,366$21,023,817$130,544,943
67$206,919,551$37,202,521$21,562,774$142,869,252
68$227,854,796$38,854,895$22,114,577$156,412,314
69$250,920,063$40,582,863$22,679,494$171,296,870
70$276,332,447$42,389,960$23,257,794$187,658,113
71$304,331,177$44,279,889$23,849,751$205,644,954
72$335,179,882$46,256,528$24,455,642$225,421,421
73$369,169,072$48,323,941$25,075,749$247,168,192
74$406,618,887$50,486,383$25,710,356$271,084,296
75$447,882,112$52,748,314$26,359,751$297,388,977
76$493,347,510$55,114,405$27,024,226$326,323,754
77$543,443,494$57,589,549$27,704,075$358,154,688
78$598,642,167$60,178,873$28,399,598$393,174,882
79$659,463,778$62,887,748$29,111,095$431,707,232
80$726,481,637$65,721,801$29,838,870$474,107,468
81$800,327,524$68,686,929$30,583,232$520,767,490
82$881,697,650$71,789,307$31,344,489$572,119,057
83$971,359,236$75,035,409$32,122,955$628,637,849
84$1,070,157,750$78,432,015$32,918,946$690,847,937
85$1,179,024,887$81,986,231$33,732,778$759,326,713
86$1,298,987,371$85,705,502$34,564,771$834,710,329
87$1,431,176,639$89,597,628$35,415,247$917,699,676
88$1,576,839,529$93,670,784$36,284,530$1,009,066,988
89$1,737,350,043$97,933,534$37,172,944$1,109,663,105
90$1,914,222,326$102,394,856$38,080,816$1,220,425,490
91$2,109,124,952$107,064,153$39,008,473$1,342,387,053
92$2,323,896,683$111,951,283$39,956,242$1,476,685,880
93$2,560,563,822$117,066,572$40,924,453$1,624,575,952
94$2,821,359,343$122,420,846$41,913,434$1,787,438,956
95$3,108,743,975$128,025,447$42,923,513$1,966,797,307
96$3,425,429,428$133,892,261$43,955,018$2,164,328,486
97$3,774,403,995$140,033,747$45,008,276$2,381,880,853
98$4,158,960,761$146,462,959$46,083,612$2,621,491,061
99$4,582,728,696$153,193,581$47,181,350$2,885,403,252
100$5,049,706,909$160,239,953$48,301,812$3,176,090,211