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%15.9%
1 years$776,243$769,329$762,583$755,999$749,569$731,449
2 years$384,279$377,122$370,186$363,461$356,938$338,790
3 years$253,641$246,453$239,535$232,873$226,456$208,849
4 years$188,335$181,169$174,320$167,772$161,510$144,580
5 years$149,162$142,039$135,279$128,865$122,778$106,570
6 years$123,055$115,985$109,326$103,054$97,150$81,682
7 years$104,414$97,404$90,850$84,727$79,009$64,282
8 years$90,440$83,494$77,048$71,075$65,545$51,554
9 years$79,577$72,696$66,362$60,540$55,199$41,932
10 years$70,892$64,078$57,856$52,186$47,032$34,474
11 years$63,790$57,045$50,935$45,418$40,449$28,582
12 years$57,876$51,201$45,204$39,837$35,052$23,857
13 years$52,876$46,270$40,386$35,170$30,566$20,021
14 years$48,594$42,058$36,287$31,220$26,794$16,876
15 years$44,887$38,421$32,763$27,843$23,592$14,276
16 years$41,646$35,251$29,704$24,930$20,850$12,114
17 years$38,789$32,465$27,030$22,400$18,487$10,305
18 years$36,252$29,999$24,675$20,187$16,438$8,784
19 years$33,985$27,802$22,588$18,240$14,652$7,501
20 years$31,948$25,835$20,730$16,520$13,087$6,416
21 years$30,106$24,065$19,068$14,993$11,712$5,494
22 years$28,435$22,463$17,574$13,632$10,498$4,710
23 years$26,911$21,010$16,227$12,415$9,423$4,041
24 years$25,516$19,685$15,007$11,323$8,470$3,470
25 years$24,235$18,473$13,899$10,341$7,622$2,982
26 years$23,054$17,362$12,891$9,455$6,865$2,564
27 years$21,962$16,339$11,970$8,655$6,190$2,205
28 years$20,951$15,397$11,128$7,930$5,585$1,898
29 years$20,010$14,525$10,356$7,272$5,043$1,634
30 years$19,134$13,717$9,646$6,674$4,557$1,407
31 years$18,317$12,967$8,993$6,129$4,120$1,212
32 years$17,551$12,270$8,390$5,633$3,727$1,044
33 years$16,834$11,620$7,834$5,180$3,373$900
34 years$16,160$11,013$7,320$4,766$3,054$776
35 years$15,527$10,445$6,843$4,387$2,766$669
36 years$14,929$9,914$6,402$4,041$2,506$576
37 years$14,366$9,416$5,992$3,723$2,271$497
38 years$13,833$8,949$5,611$3,431$2,059$429
39 years$13,329$8,509$5,257$3,164$1,867$370
40 years$12,851$8,096$4,927$2,918$1,694$319
41 years$12,398$7,707$4,620$2,692$1,536$275
42 years$11,968$7,340$4,334$2,485$1,394$237
43 years$11,558$6,993$4,067$2,294$1,265$205
44 years$11,169$6,666$3,818$2,118$1,149$176
45 years$10,797$6,357$3,585$1,956$1,043$152
46 years$10,443$6,064$3,367$1,807$947$131
47 years$10,105$5,787$3,163$1,669$860$113
48 years$9,782$5,524$2,972$1,542$781$98
49 years$9,473$5,275$2,794$1,425$709$84
50 years$9,178$5,039$2,627$1,318$644$73

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 $5,484 every year, while hoping to spend $34,045 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: 53/23/24 Blend
34$9,400,000$9,400,000$9,400,000$9,400,000
35$10,364,457$9,866,257$9,720,557$10,844,568
36$11,385,408$10,313,480$10,009,972$11,623,626
37$12,509,355$10,781,476$10,307,941$12,466,983
38$13,746,767$11,271,226$10,614,716$13,384,047
39$15,109,182$11,783,761$10,930,553$14,381,868
40$16,609,310$12,320,157$11,255,718$15,468,195
41$18,261,160$12,881,545$11,590,485$16,651,551
42$20,080,166$13,469,108$11,935,134$17,941,306
43$22,083,337$14,084,088$12,289,955$19,347,764
44$24,289,413$14,727,784$12,655,244$20,882,260
45$26,719,046$15,401,559$13,031,308$22,557,259
46$29,394,994$16,106,840$13,418,461$24,386,476
47$32,342,332$16,845,124$13,817,029$26,384,999
48$35,588,694$17,617,979$14,227,343$28,569,428
49$39,164,529$18,427,048$14,649,748$30,958,030
50$43,103,391$19,274,055$15,084,595$33,570,904
51$47,442,257$20,160,803$15,532,248$36,430,172
52$52,221,869$21,089,184$15,993,081$39,560,182
53$57,487,128$22,061,183$16,467,477$42,987,730
54$63,287,510$23,078,875$16,955,833$46,742,313
55$69,677,537$24,144,441$17,458,554$50,856,403
56$76,717,290$25,260,163$17,976,060$55,365,744
57$84,472,976$26,428,433$18,508,780$60,309,690
58$93,017,553$27,651,760$19,057,158$65,731,568
59$102,431,420$28,932,772$19,621,649$71,679,083
60$112,803,172$30,274,226$20,202,722$78,204,761
61$124,230,441$31,679,009$20,800,858$85,366,442
62$136,820,815$33,150,148$21,416,555$93,227,816
63$150,692,850$34,690,818$22,050,322$101,859,022
64$165,977,197$36,304,344$22,702,684$111,337,298
65$182,817,828$37,994,214$23,374,181$121,747,710
66$201,373,399$39,764,083$24,065,369$133,183,940
67$221,818,744$41,617,782$24,776,817$145,749,171
68$244,346,531$43,559,328$25,509,115$159,557,045
69$269,169,074$45,592,931$26,262,867$174,732,733
70$296,520,340$47,723,006$27,038,694$191,414,106
71$326,658,160$49,954,179$27,837,236$209,753,027
72$359,866,660$52,291,301$28,659,151$229,916,776
73$396,458,941$54,739,457$29,505,114$252,089,619
74$436,780,041$57,303,977$30,375,823$276,474,537
75$481,210,185$59,990,452$31,271,993$303,295,130
76$530,168,378$62,804,739$32,194,359$332,797,720
77$584,116,362$65,752,981$33,143,680$365,253,661
78$643,562,971$68,841,617$34,120,733$400,961,890
79$709,068,937$72,077,398$35,126,320$440,251,735
80$781,252,181$75,467,403$36,161,264$483,486,012
81$860,793,649$79,019,052$37,226,413$531,064,436
82$948,443,741$82,740,125$38,322,637$583,427,377
83$1,045,029,389$86,638,778$39,450,832$641,060,005
84$1,151,461,872$90,723,563$40,611,920$704,496,853
85$1,268,745,412$95,003,447$41,806,849$774,326,846
86$1,397,986,658$99,487,830$43,036,592$851,198,843
87$1,540,405,131$104,186,567$44,302,151$935,827,745
88$1,697,344,739$109,109,993$45,604,558$1,029,001,223
89$1,870,286,463$114,268,943$46,944,871$1,131,587,138
90$2,060,862,338$119,674,778$48,324,181$1,244,541,706
91$2,270,870,862$125,339,408$49,743,606$1,368,918,511
92$2,502,293,974$131,275,322$51,204,301$1,505,878,424
93$2,757,315,763$137,495,617$52,707,449$1,656,700,536
94$3,038,343,090$144,014,021$54,254,267$1,822,794,216
95$3,348,028,310$150,844,933$55,846,010$2,005,712,381
96$3,689,294,310$158,003,448$57,483,964$2,207,166,136
97$4,065,362,107$165,505,393$59,169,454$2,429,040,895
98$4,479,781,251$173,367,367$60,903,840$2,673,414,151
99$4,936,463,343$181,606,773$62,688,523$2,942,575,061
100$5,439,718,957$190,241,858$64,524,942$3,239,046,018