Can I retire at age 35 with 9,400,000?

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 $9,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$776,243$769,329$762,583$755,999$749,569$728,789
2 years$384,279$377,122$370,186$363,461$356,938$336,157
3 years$253,641$246,453$239,535$232,873$226,456$206,326
4 years$188,335$181,169$174,320$167,772$161,510$142,185
5 years$149,162$142,039$135,279$128,865$122,778$104,310
6 years$123,055$115,985$109,326$103,054$97,150$79,558
7 years$104,414$97,404$90,850$84,727$79,009$62,292
8 years$90,440$83,494$77,048$71,075$65,545$49,696
9 years$79,577$72,696$66,362$60,540$55,199$40,201
10 years$70,892$64,078$57,856$52,186$47,032$32,866
11 years$63,790$57,045$50,935$45,418$40,449$27,093
12 years$57,876$51,201$45,204$39,837$35,052$22,480
13 years$52,876$46,270$40,386$35,170$30,566$18,752
14 years$48,594$42,058$36,287$31,220$26,794$15,709
15 years$44,887$38,421$32,763$27,843$23,592$13,205
16 years$41,646$35,251$29,704$24,930$20,850$11,133
17 years$38,789$32,465$27,030$22,400$18,487$9,409
18 years$36,252$29,999$24,675$20,187$16,438$7,967
19 years$33,985$27,802$22,588$18,240$14,652$6,758
20 years$31,948$25,835$20,730$16,520$13,087$5,741
21 years$30,106$24,065$19,068$14,993$11,712$4,882
22 years$28,435$22,463$17,574$13,632$10,498$4,156
23 years$26,911$21,010$16,227$12,415$9,423$3,541
24 years$25,516$19,685$15,007$11,323$8,470$3,019
25 years$24,235$18,473$13,899$10,341$7,622$2,576
26 years$23,054$17,362$12,891$9,455$6,865$2,199
27 years$21,962$16,339$11,970$8,655$6,190$1,877
28 years$20,951$15,397$11,128$7,930$5,585$1,604
29 years$20,010$14,525$10,356$7,272$5,043$1,371
30 years$19,134$13,717$9,646$6,674$4,557$1,172
31 years$18,317$12,967$8,993$6,129$4,120$1,002
32 years$17,551$12,270$8,390$5,633$3,727$857
33 years$16,834$11,620$7,834$5,180$3,373$733
34 years$16,160$11,013$7,320$4,766$3,054$627
35 years$15,527$10,445$6,843$4,387$2,766$536
36 years$14,929$9,914$6,402$4,041$2,506$459
37 years$14,366$9,416$5,992$3,723$2,271$393
38 years$13,833$8,949$5,611$3,431$2,059$336
39 years$13,329$8,509$5,257$3,164$1,867$288
40 years$12,851$8,096$4,927$2,918$1,694$246
41 years$12,398$7,707$4,620$2,692$1,536$211
42 years$11,968$7,340$4,334$2,485$1,394$180
43 years$11,558$6,993$4,067$2,294$1,265$154
44 years$11,169$6,666$3,818$2,118$1,149$132
45 years$10,797$6,357$3,585$1,956$1,043$113
46 years$10,443$6,064$3,367$1,807$947$97
47 years$10,105$5,787$3,163$1,669$860$83
48 years$9,782$5,524$2,972$1,542$781$71
49 years$9,473$5,275$2,794$1,425$709$61
50 years$9,178$5,039$2,627$1,318$644$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,400,000, adding $6,486 every year, while hoping to spend $59,662 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: 74/19/7 Blend
34$9,400,000$9,400,000$9,400,000$9,400,000
35$10,365,490$9,867,290$9,721,590$11,122,225
36$11,359,290$10,287,308$9,983,784$12,041,446
37$12,452,459$10,725,906$10,252,761$13,039,953
38$13,655,067$11,183,933$10,528,686$14,132,087
39$14,978,214$11,662,276$10,811,728$15,327,088
40$16,434,128$12,161,864$11,102,056$16,635,124
41$18,036,281$12,683,667$11,399,847$18,067,389
42$19,799,518$13,228,704$11,705,279$19,636,205
43$21,740,198$13,798,038$12,018,534$21,355,137
44$23,876,342$14,392,786$12,339,799$23,239,117
45$26,227,810$15,014,114$12,669,263$25,304,588
46$28,816,484$15,663,243$13,007,121$27,569,650
47$31,666,477$16,341,453$13,353,571$30,054,238
48$34,804,356$17,050,083$13,708,814$32,780,297
49$38,259,397$17,790,534$14,073,056$35,771,998
50$42,063,860$18,564,275$14,446,508$39,055,954
51$46,253,292$19,372,842$14,829,384$42,661,475
52$50,866,861$20,217,845$15,221,902$46,620,840
53$55,947,730$21,100,969$15,624,285$50,969,600
54$61,543,460$22,023,978$16,036,760$55,746,906
55$67,706,460$22,988,720$16,459,559$60,995,884
56$74,494,481$23,997,129$16,892,916$66,764,031
57$81,971,162$25,051,233$17,337,073$73,103,665
58$90,206,630$26,153,152$17,792,274$80,072,413
59$99,278,159$27,305,109$18,258,767$87,733,753
60$109,270,903$28,509,431$18,736,808$96,157,609
61$120,278,697$29,768,556$19,226,654$105,421,006
62$132,404,945$31,085,036$19,728,567$115,608,795
63$145,763,592$32,461,544$20,242,816$126,814,450
64$160,480,200$33,900,883$20,769,673$139,140,942
65$176,693,138$35,405,983$21,309,414$152,701,713
66$194,554,880$36,979,918$21,862,321$167,621,736
67$214,233,449$38,625,905$22,428,681$184,038,692
68$235,914,003$40,347,316$23,008,783$202,104,268
69$259,800,578$42,147,682$23,602,924$221,985,576
70$286,118,019$44,030,701$24,211,405$243,866,733
71$315,114,100$46,000,248$24,834,530$267,950,587
72$347,061,860$48,060,382$25,472,608$294,460,630
73$382,262,185$50,215,355$26,125,955$323,643,097
74$421,046,643$52,469,623$26,794,890$355,769,288
75$463,780,618$54,827,852$27,479,736$391,138,120
76$510,866,755$57,294,931$28,180,822$430,078,941
77$562,748,765$59,875,984$28,898,480$472,954,633
78$619,915,608$62,576,376$29,633,049$520,165,030
79$682,906,114$65,401,732$30,384,869$572,150,680
80$752,314,062$68,357,942$31,154,287$629,397,001
81$828,793,795$71,451,179$31,941,654$692,438,850
82$913,066,387$74,687,911$32,747,324$761,865,566
83$1,005,926,455$78,074,916$33,571,656$838,326,520
84$1,108,249,660$81,619,293$34,415,013$922,537,239
85$1,221,000,971$85,328,485$35,277,762$1,015,286,144
86$1,345,243,776$89,210,286$36,160,273$1,117,441,991
87$1,482,149,920$93,272,869$37,062,921$1,229,962,050
88$1,633,010,765$97,524,793$37,986,082$1,353,901,136
89$1,799,249,386$101,975,030$38,930,139$1,490,421,555
90$1,982,433,999$106,632,982$39,895,474$1,640,804,058
91$2,184,292,769$111,508,501$40,882,475$1,806,459,923
92$2,406,730,125$116,611,911$41,891,531$1,988,944,258
93$2,651,844,735$121,954,032$42,923,035$2,189,970,672
94$2,921,949,321$127,546,203$43,977,380$2,411,427,433
95$3,219,592,493$133,400,308$45,054,963$2,655,395,279
96$3,547,582,805$139,528,801$46,156,182$2,924,167,042
97$3,909,015,274$145,944,734$47,281,436$3,220,269,278
98$4,307,300,593$152,661,787$48,431,126$3,546,486,095
99$4,746,197,336$159,694,298$49,605,651$3,905,885,424
100$5,229,847,437$167,057,291$50,805,414$4,301,847,953