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%11.1%
1 years$751,469$744,776$738,245$731,871$725,647$722,285
2 years$372,015$365,086$358,371$351,861$345,546$342,153
3 years$245,546$238,588$231,890$225,441$219,229$215,909
4 years$182,324$175,387$168,757$162,417$156,356$153,135
5 years$144,401$137,506$130,962$124,752$118,859$115,747
6 years$119,127$112,284$105,837$99,765$94,049$91,050
7 years$101,082$94,296$87,951$82,023$76,487$73,602
8 years$87,554$80,829$74,589$68,807$63,453$60,682
9 years$77,037$70,376$64,244$58,608$53,437$50,780
10 years$68,629$62,033$56,009$50,521$45,531$42,986
11 years$61,754$55,224$49,310$43,968$39,158$36,724
12 years$56,029$49,566$43,761$38,566$33,934$31,608
13 years$51,189$44,794$39,098$34,048$29,591$27,372
14 years$47,043$40,716$35,129$30,224$25,939$23,825
15 years$43,454$37,195$31,717$26,954$22,839$20,826
16 years$40,316$34,126$28,756$24,135$20,185$18,271
17 years$37,551$31,428$26,167$21,685$17,897$16,080
18 years$35,095$29,041$23,887$19,542$15,914$14,189
19 years$32,901$26,915$21,867$17,658$14,184$12,549
20 years$30,928$25,011$20,069$15,993$12,670$11,122
21 years$29,146$23,297$18,459$14,515$11,338$9,874
22 years$27,527$21,747$17,013$13,197$10,163$8,779
23 years$26,052$20,339$15,709$12,019$9,123$7,816
24 years$24,702$19,056$14,528$10,962$8,200$6,968
25 years$23,461$17,884$13,456$10,011$7,378$6,218
26 years$22,318$16,808$12,480$9,154$6,646$5,553
27 years$21,261$15,818$11,588$8,379$5,992$4,964
28 years$20,282$14,905$10,773$7,677$5,407$4,441
29 years$19,372$14,061$10,025$7,040$4,882$3,975
30 years$18,524$13,279$9,338$6,461$4,411$3,560
31 years$17,732$12,553$8,706$5,933$3,988$3,190
32 years$16,991$11,878$8,122$5,453$3,608$2,860
33 years$16,297$11,249$7,584$5,015$3,265$2,565
34 years$15,645$10,661$7,086$4,614$2,956$2,302
35 years$15,031$10,112$6,625$4,247$2,677$2,066
36 years$14,453$9,598$6,197$3,912$2,426$1,855
37 years$13,907$9,116$5,801$3,604$2,199$1,665
38 years$13,392$8,663$5,432$3,322$1,993$1,496
39 years$12,904$8,238$5,089$3,063$1,808$1,344
40 years$12,441$7,838$4,770$2,825$1,640$1,208
41 years$12,002$7,461$4,473$2,607$1,487$1,085
42 years$11,586$7,105$4,196$2,406$1,350$976
43 years$11,189$6,770$3,937$2,221$1,225$877
44 years$10,812$6,453$3,696$2,050$1,112$789
45 years$10,453$6,154$3,470$1,894$1,009$709
46 years$10,110$5,870$3,259$1,749$916$638
47 years$9,783$5,602$3,062$1,616$832$574
48 years$9,470$5,348$2,877$1,493$756$516
49 years$9,171$5,107$2,705$1,380$686$464
50 years$8,885$4,878$2,543$1,276$623$417

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 $3,142 every year, while hoping to spend $20,541 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: 72/17/11 Blend
34$9,100,000$9,100,000$9,100,000$9,100,000
35$10,031,441$9,549,141$9,408,091$10,731,527
36$11,032,792$9,995,193$9,701,407$11,641,074
37$12,135,593$10,462,414$10,003,860$12,633,843
38$13,350,170$10,951,818$10,315,735$13,720,328
39$14,687,901$11,464,471$10,637,326$14,909,781
40$16,161,324$12,001,488$10,968,934$16,212,384
41$17,784,258$12,564,039$11,310,872$17,639,344
42$19,571,927$13,153,352$11,663,460$19,202,997
43$21,541,109$13,770,711$12,027,032$20,916,922
44$23,710,292$14,417,466$12,401,927$22,796,067
45$26,099,849$15,095,029$12,788,499$24,856,890
46$28,732,231$15,804,883$13,187,112$27,117,510
47$31,632,178$16,548,581$13,598,139$29,597,875
48$34,826,950$17,327,752$14,021,967$32,319,950
49$38,346,591$18,144,104$14,458,994$35,307,923
50$42,224,204$18,999,426$14,909,632$38,588,425
51$46,496,271$19,895,596$15,374,303$42,190,785
52$51,202,993$20,834,583$15,853,444$46,147,301
53$56,388,670$21,818,449$16,347,506$50,493,541
54$62,102,119$22,849,358$16,856,952$55,268,678
55$68,397,137$23,929,578$17,382,262$60,515,856
56$75,333,006$25,061,488$17,923,929$66,282,590
57$82,975,054$26,247,582$18,482,461$72,621,219
58$91,395,269$27,490,474$19,058,384$79,589,386
59$100,672,985$28,792,905$19,652,238$87,250,588
60$110,895,623$30,157,751$20,264,581$95,674,765
61$122,159,520$31,588,025$20,895,989$104,938,958
62$134,570,841$33,086,887$21,547,053$115,128,032
63$148,246,574$34,657,652$22,218,387$126,335,473
64$163,315,641$36,303,793$22,910,619$138,664,262
65$179,920,112$38,028,955$23,624,401$152,227,848
66$198,216,547$39,836,958$24,360,403$167,151,210
67$218,377,473$41,731,807$25,119,314$183,572,030
68$240,593,013$43,717,703$25,901,849$201,641,989
69$265,072,681$45,799,051$26,708,741$221,528,193
70$292,047,359$47,980,468$27,540,748$243,414,744
71$321,771,478$50,266,800$28,398,651$267,504,470
72$354,525,418$52,663,123$29,283,256$294,020,834
73$390,618,158$55,174,763$30,195,392$323,210,034
74$430,390,188$57,807,305$31,135,916$355,343,324
75$474,216,729$60,566,604$32,105,711$390,719,562
76$522,511,269$63,458,801$33,105,685$429,668,026
77$575,729,471$66,490,335$34,136,779$472,551,514
78$634,373,475$69,667,959$35,199,959$519,769,755
79$698,996,635$72,998,755$36,296,223$571,763,181
80$770,208,744$76,490,146$37,426,599$629,017,067
81$848,681,794$80,149,921$38,592,148$692,066,107
82$935,156,315$83,986,246$39,793,963$761,499,449
83$1,030,448,371$88,007,683$41,033,172$837,966,245
84$1,135,457,258$92,223,213$42,310,937$922,181,767
85$1,251,174,001$96,642,254$43,628,457$1,014,934,150
86$1,378,690,706$101,274,680$44,986,966$1,117,091,816
87$1,519,210,868$106,130,850$46,387,740$1,229,611,659
88$1,674,060,739$111,221,624$47,832,091$1,353,548,065
89$1,844,701,843$116,558,392$49,321,375$1,490,062,853
90$2,032,744,777$122,153,100$50,856,987$1,640,436,223
91$2,239,964,416$128,018,273$52,440,368$1,806,078,831
92$2,468,316,668$134,167,050$54,073,002$1,988,545,083
93$2,719,956,940$140,613,207$55,756,419$2,189,547,797
94$2,997,260,486$147,371,193$57,492,198$2,410,974,351
95$3,302,844,835$154,456,160$59,281,965$2,654,904,484
96$3,639,594,495$161,884,000$61,127,399$2,923,629,906
97$4,010,688,196$169,671,377$63,030,228$3,219,675,916
98$4,419,628,888$177,835,771$64,992,237$3,545,825,216
99$4,870,276,821$186,395,510$67,015,264$3,905,144,161
100$5,366,885,986$195,369,820$69,101,204$4,301,011,680