Can I retire at age 35 with 9,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $9,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$784,501$777,513$770,696$764,041$757,543$752,769
2 years$388,367$381,134$374,124$367,327$360,735$355,919
3 years$256,339$249,075$242,083$235,350$228,865$224,157
4 years$190,339$183,097$176,174$169,557$163,228$158,664
5 years$150,748$143,550$136,719$130,236$124,084$119,677
6 years$124,364$117,219$110,489$104,151$98,183$93,939
7 years$105,525$98,441$91,817$85,628$79,849$75,770
8 years$91,402$84,382$77,868$71,831$66,243$62,329
9 years$80,423$73,470$67,068$61,184$55,786$52,036
10 years$71,646$64,760$58,471$52,741$47,532$43,945
11 years$64,469$57,652$51,477$45,901$40,879$37,451
12 years$58,492$51,745$45,685$40,261$35,425$32,154
13 years$53,439$46,763$40,816$35,545$30,891$27,774
14 years$49,111$42,506$36,673$31,552$27,079$24,111
15 years$45,364$38,830$33,111$28,139$23,843$21,021
16 years$42,089$35,626$30,020$25,196$21,072$18,392
17 years$39,201$32,810$27,317$22,638$18,684$16,141
18 years$36,638$30,318$24,937$20,401$16,613$14,203
19 years$34,347$28,098$22,829$18,434$14,808$12,526
20 years$32,287$26,110$20,951$16,696$13,226$11,069
21 years$30,427$24,321$19,271$15,153$11,836$9,798
22 years$28,737$22,702$17,761$13,777$10,609$8,686
23 years$27,197$21,233$16,399$12,547$9,524$7,711
24 years$25,787$19,894$15,167$11,444$8,560$6,852
25 years$24,492$18,670$14,047$10,451$7,703$6,096
26 years$23,299$17,546$13,028$9,556$6,938$5,428
27 years$22,196$16,513$12,098$8,747$6,256$4,837
28 years$21,173$15,560$11,246$8,014$5,644$4,313
29 years$20,223$14,679$10,466$7,349$5,097$3,848
30 years$19,338$13,863$9,748$6,745$4,605$3,436
31 years$18,511$13,105$9,088$6,194$4,164$3,069
32 years$17,738$12,400$8,479$5,693$3,766$2,742
33 years$17,013$11,743$7,917$5,235$3,408$2,451
34 years$16,332$11,130$7,397$4,817$3,086$2,192
35 years$15,692$10,557$6,916$4,434$2,795$1,961
36 years$15,088$10,020$6,470$4,084$2,533$1,755
37 years$14,519$9,516$6,056$3,762$2,295$1,570
38 years$13,980$9,044$5,671$3,468$2,081$1,406
39 years$13,471$8,600$5,313$3,198$1,887$1,259
40 years$12,988$8,182$4,980$2,949$1,712$1,127
41 years$12,530$7,789$4,670$2,721$1,553$1,010
42 years$12,095$7,418$4,380$2,511$1,409$904
43 years$11,681$7,068$4,110$2,318$1,279$810
44 years$11,287$6,737$3,858$2,140$1,161$726
45 years$10,912$6,424$3,623$1,977$1,054$650
46 years$10,554$6,128$3,403$1,826$957$583
47 years$10,213$5,848$3,197$1,687$869$522
48 years$9,886$5,583$3,004$1,559$789$468
49 years$9,574$5,332$2,823$1,441$717$420
50 years$9,275$5,093$2,654$1,332$651$376

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,500,000, adding $2,911 every year, while hoping to spend $36,575 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: 49/45/6 Blend
34$9,500,000$9,500,000$9,500,000$9,500,000
35$10,472,003$9,968,503$9,821,253$10,969,097
36$11,501,231$10,418,044$10,111,349$11,758,159
37$12,634,216$10,888,387$10,409,938$12,610,579
38$13,881,500$11,380,512$10,717,265$13,535,546
39$15,254,703$11,895,447$11,033,583$14,539,835
40$16,766,627$12,434,268$11,359,153$15,630,882
41$18,431,380$12,998,104$11,694,241$16,816,856
42$20,264,506$13,588,137$12,039,124$18,106,724
43$22,283,134$14,205,604$12,394,083$19,510,339
44$24,506,140$14,851,804$12,759,411$21,038,523
45$26,954,321$15,528,097$13,135,406$22,703,168
46$29,650,595$16,235,908$13,522,376$24,517,341
47$32,620,219$16,976,730$13,920,638$26,495,403
48$35,891,019$17,752,129$14,330,518$28,653,141
49$39,493,663$18,563,743$14,752,350$31,007,908
50$43,461,942$19,413,291$15,186,479$33,578,785
51$47,833,093$20,302,575$15,633,259$36,386,751
52$52,648,149$21,233,483$16,093,054$39,454,876
53$57,952,328$22,207,991$16,566,239$42,808,534
54$63,795,456$23,228,173$17,053,198$46,475,634
55$70,232,441$24,296,202$17,554,329$50,486,873
56$77,323,789$25,414,354$18,070,037$54,876,026
57$85,136,174$26,585,016$18,600,743$59,680,247
58$93,743,072$27,810,690$19,146,876$64,940,418
59$103,225,448$29,093,997$19,708,879$70,701,526
60$113,672,525$30,437,684$20,287,207$77,013,073
61$125,182,623$31,844,631$20,882,329$83,929,540
62$137,864,089$33,317,856$21,494,726$91,510,886
63$151,836,319$34,860,525$22,124,893$99,823,108
64$167,230,885$36,475,952$22,773,338$108,938,847
65$184,192,775$38,167,613$23,440,584$118,938,070
66$202,881,765$39,939,153$24,127,171$129,908,804
67$223,473,924$41,794,390$24,833,649$141,947,962
68$246,163,276$43,737,327$25,560,589$155,162,237
69$271,163,636$45,772,162$26,308,574$169,669,102
70$298,710,620$47,903,292$27,078,205$185,597,900
71$329,063,879$50,135,328$27,870,100$203,091,051
72$362,509,540$52,473,105$28,684,894$222,305,381
73$399,362,915$54,921,689$29,523,240$243,413,583
74$439,971,472$57,486,391$30,385,808$266,605,834
75$484,718,119$60,172,781$31,273,289$292,091,566
76$534,024,814$62,986,694$32,186,392$320,101,429
77$588,356,554$65,934,251$33,125,845$350,889,445
78$648,225,760$69,021,867$34,092,398$384,735,388
79$714,197,115$72,256,266$35,086,821$421,947,396
80$786,892,896$75,644,499$36,109,905$462,864,865
81$866,998,849$79,193,956$37,162,464$507,861,624
82$955,270,660$82,912,389$38,245,335$557,349,437
83$1,052,541,091$86,807,919$39,359,377$611,781,869
84$1,159,727,839$90,889,063$40,505,473$671,658,533
85$1,277,842,203$95,164,752$41,684,531$737,529,782
86$1,407,998,630$99,644,347$42,897,484$810,001,872
87$1,551,425,232$104,337,662$44,145,292$889,742,653
88$1,709,475,386$109,254,988$45,428,940$977,487,839
89$1,883,640,507$114,407,114$46,749,441$1,074,047,921
90$2,075,564,127$119,805,351$48,107,835$1,180,315,779
91$2,287,057,413$125,461,558$49,505,193$1,297,275,071
92$2,520,116,265$131,388,171$50,942,613$1,426,009,482
93$2,776,940,159$137,598,226$52,421,225$1,567,712,908
94$3,059,952,909$144,105,392$53,942,190$1,723,700,688
95$3,371,825,552$150,924,003$55,506,700$1,895,421,966
96$3,715,501,565$158,069,085$57,115,980$2,084,473,333
97$4,094,224,649$165,556,395$58,771,291$2,292,613,838
98$4,511,569,359$173,402,454$60,473,925$2,521,781,549
99$4,971,474,844$181,624,585$62,225,211$2,774,111,787
100$5,478,282,038$190,240,950$64,026,517$3,051,957,231