Can I retire at age 35 with 9,300,000?

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 $9,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$767,985$761,144$754,470$747,956$741,595$725,140
2 years$380,191$373,110$366,248$359,594$353,141$336,648
3 years$250,943$243,832$236,987$230,396$224,047$208,032
4 years$186,331$179,242$172,466$165,987$159,792$144,378
5 years$147,575$140,528$133,840$127,494$121,471$106,701
6 years$121,745$114,752$108,163$101,958$96,116$82,006
7 years$103,303$96,368$89,884$83,825$78,168$64,720
8 years$89,478$82,605$76,229$70,319$64,848$52,057
9 years$78,730$71,923$65,656$59,896$54,611$42,468
10 years$70,137$63,396$57,240$51,631$46,532$35,023
11 years$63,111$56,438$50,393$44,934$40,019$29,130
12 years$57,261$50,656$44,723$39,414$34,679$24,394
13 years$52,314$45,778$39,957$34,796$30,241$20,540
14 years$48,077$41,611$35,901$30,888$26,509$17,372
15 years$44,409$38,012$32,414$27,547$23,341$14,748
16 years$41,203$34,876$29,388$24,665$20,629$12,558
17 years$38,376$32,119$26,742$22,162$18,291$10,722
18 years$35,867$29,680$24,412$19,972$16,263$9,173
19 years$33,624$27,507$22,348$18,046$14,496$7,863
20 years$31,608$25,561$20,510$16,344$12,948$6,750
21 years$29,786$23,809$18,865$14,834$11,587$5,803
22 years$28,132$22,225$17,387$13,487$10,386$4,994
23 years$26,625$20,786$16,054$12,283$9,323$4,302
24 years$25,245$19,475$14,847$11,203$8,380$3,708
25 years$23,977$18,277$13,752$10,231$7,541$3,199
26 years$22,809$17,177$12,754$9,355$6,792$2,762
27 years$21,729$16,166$11,843$8,563$6,124$2,385
28 years$20,728$15,233$11,010$7,845$5,526$2,061
29 years$19,797$14,370$10,245$7,194$4,990$1,782
30 years$18,931$13,571$9,543$6,603$4,508$1,541
31 years$18,122$12,829$8,897$6,064$4,076$1,333
32 years$17,365$12,139$8,301$5,573$3,687$1,153
33 years$16,655$11,496$7,751$5,125$3,337$998
34 years$15,988$10,896$7,242$4,715$3,021$864
35 years$15,361$10,334$6,771$4,341$2,736$748
36 years$14,771$9,809$6,334$3,998$2,479$647
37 years$14,213$9,316$5,928$3,683$2,247$560
38 years$13,686$8,854$5,551$3,395$2,037$485
39 years$13,187$8,419$5,201$3,130$1,847$420
40 years$12,715$8,010$4,875$2,887$1,676$364
41 years$12,266$7,625$4,571$2,664$1,520$315
42 years$11,840$7,261$4,288$2,458$1,379$273
43 years$11,435$6,919$4,024$2,269$1,252$237
44 years$11,050$6,595$3,777$2,095$1,136$205
45 years$10,682$6,289$3,546$1,935$1,032$178
46 years$10,332$5,999$3,331$1,788$937$154
47 years$9,998$5,725$3,129$1,651$850$133
48 years$9,678$5,466$2,941$1,526$772$115
49 years$9,372$5,219$2,764$1,410$701$100
50 years$9,080$4,986$2,599$1,304$637$87

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,300,000, adding $6,218 every year, while hoping to spend $47,206 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: 67/21/12 Blend
34$9,300,000$9,300,000$9,300,000$9,300,000
35$10,255,014$9,762,114$9,617,964$10,914,473
36$11,250,798$10,190,231$9,889,939$11,782,422
37$12,346,571$10,637,743$10,169,443$12,724,852
38$13,552,480$11,105,551$10,456,678$13,754,034
39$14,879,709$11,594,599$10,751,853$14,878,459
40$16,340,578$12,105,874$11,055,179$16,107,468
41$17,948,666$12,640,410$11,366,876$17,451,341
42$19,718,930$13,199,290$11,687,166$18,921,389
43$21,667,856$13,783,650$12,016,281$20,530,062
44$23,813,606$14,394,678$12,354,456$22,291,062
45$26,176,195$15,033,619$12,701,932$24,219,470
46$28,777,677$15,701,776$13,058,956$26,331,887
47$31,642,353$16,400,516$13,425,784$28,646,589
48$34,797,000$17,131,268$13,802,674$31,183,695
49$38,271,125$17,895,532$14,189,896$33,965,353
50$42,097,244$18,694,877$14,587,721$37,015,951
51$46,311,184$19,530,947$14,996,431$40,362,339
52$50,952,427$20,405,465$15,416,313$44,034,084
53$56,064,478$21,320,236$15,847,663$48,063,742
54$61,695,277$22,277,151$16,290,783$52,487,162
55$67,897,653$23,278,189$16,745,982$57,343,825
56$74,729,820$24,325,426$17,213,578$62,677,210
57$82,255,925$25,421,035$17,693,896$68,535,199
58$90,546,658$26,567,295$18,187,271$74,970,528
59$99,679,917$27,766,592$18,694,044$82,041,279
60$109,741,538$29,021,425$19,214,564$89,811,426
61$120,826,115$30,334,415$19,749,192$98,351,431
62$133,037,883$31,708,305$20,298,294$107,738,905
63$146,491,708$33,145,973$20,862,248$118,059,341
64$161,314,168$34,650,431$21,441,439$129,406,906
65$177,644,748$36,224,838$22,036,262$141,885,334
66$195,637,158$37,872,501$22,647,123$155,608,895
67$215,460,783$39,596,887$23,274,436$170,703,466
68$237,302,279$41,401,631$23,918,626$187,307,717
69$261,367,339$43,290,539$24,580,128$205,574,414
70$287,882,633$45,267,601$25,259,387$225,671,848
71$317,097,945$47,336,997$25,956,860$247,785,425
72$349,288,535$49,503,109$26,673,014$272,119,402
73$384,757,732$51,770,528$27,408,327$298,898,812
74$423,839,803$54,144,066$28,163,288$328,371,578
75$466,903,105$56,628,767$28,938,400$360,810,844
76$514,353,559$59,229,914$29,734,174$396,517,550
77$566,638,490$61,953,048$30,551,137$435,823,257
78$624,250,841$64,803,972$31,389,824$479,093,270
79$687,733,831$67,788,771$32,250,788$526,730,080
80$757,686,082$70,913,822$33,134,590$579,177,149
81$834,767,271$74,185,807$34,041,807$636,923,084
82$919,704,352$77,611,731$34,973,027$700,506,243
83$1,013,298,427$81,198,937$35,928,854$770,519,804
84$1,116,432,300$84,955,119$36,909,905$847,617,349
85$1,230,078,818$88,888,343$37,916,810$932,519,025
86$1,355,310,049$93,007,063$38,950,215$1,026,018,325
87$1,493,307,406$97,320,141$40,010,779$1,128,989,570
88$1,645,372,799$101,836,866$41,099,178$1,242,396,140
89$1,812,940,925$106,566,973$42,216,101$1,367,299,563
90$1,997,592,814$111,520,668$43,362,254$1,504,869,510
91$2,201,070,750$116,708,650$44,538,359$1,656,394,828
92$2,425,294,725$122,142,133$45,745,153$1,823,295,687
93$2,672,380,560$127,832,871$46,983,389$2,007,136,963
94$2,944,659,882$133,793,187$48,253,837$2,209,643,003
95$3,244,702,136$140,035,998$49,557,286$2,432,713,873
96$3,575,338,838$146,574,846$50,894,539$2,678,443,280
97$3,939,690,311$153,423,925$52,266,418$2,949,138,312
98$4,341,195,143$160,598,118$53,673,763$3,247,341,198
99$4,783,642,644$168,113,022$55,117,431$3,575,853,283
100$5,271,208,627$175,984,994$56,598,299$3,937,761,447