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

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 $9,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$784,501$777,513$770,696$764,041$757,543$741,037
2 years$388,367$381,134$374,124$367,327$360,735$344,188
3 years$256,339$249,075$242,083$235,350$228,865$212,794
4 years$190,339$183,097$176,174$169,557$163,228$147,758
5 years$150,748$143,550$136,719$130,236$124,084$109,256
6 years$124,364$117,219$110,489$104,151$98,183$84,015
7 years$105,525$98,441$91,817$85,628$79,849$66,343
8 years$91,402$84,382$77,868$71,831$66,243$53,394
9 years$80,423$73,470$67,068$61,184$55,786$43,585
10 years$71,646$64,760$58,471$52,741$47,532$35,966
11 years$64,469$57,652$51,477$45,901$40,879$29,934
12 years$58,492$51,745$45,685$40,261$35,425$25,083
13 years$53,439$46,763$40,816$35,545$30,891$21,134
14 years$49,111$42,506$36,673$31,552$27,079$17,887
15 years$45,364$38,830$33,111$28,139$23,843$15,195
16 years$42,089$35,626$30,020$25,196$21,072$12,949
17 years$39,201$32,810$27,317$22,638$18,684$11,063
18 years$36,638$30,318$24,937$20,401$16,613$9,472
19 years$34,347$28,098$22,829$18,434$14,808$8,125
20 years$32,287$26,110$20,951$16,696$13,226$6,981
21 years$30,427$24,321$19,271$15,153$11,836$6,005
22 years$28,737$22,702$17,761$13,777$10,609$5,172
23 years$27,197$21,233$16,399$12,547$9,524$4,459
24 years$25,787$19,894$15,167$11,444$8,560$3,847
25 years$24,492$18,670$14,047$10,451$7,703$3,322
26 years$23,299$17,546$13,028$9,556$6,938$2,870
27 years$22,196$16,513$12,098$8,747$6,256$2,480
28 years$21,173$15,560$11,246$8,014$5,644$2,145
29 years$20,223$14,679$10,466$7,349$5,097$1,856
30 years$19,338$13,863$9,748$6,745$4,605$1,606
31 years$18,511$13,105$9,088$6,194$4,164$1,390
32 years$17,738$12,400$8,479$5,693$3,766$1,204
33 years$17,013$11,743$7,917$5,235$3,408$1,043
34 years$16,332$11,130$7,397$4,817$3,086$903
35 years$15,692$10,557$6,916$4,434$2,795$783
36 years$15,088$10,020$6,470$4,084$2,533$678
37 years$14,519$9,516$6,056$3,762$2,295$588
38 years$13,980$9,044$5,671$3,468$2,081$509
39 years$13,471$8,600$5,313$3,198$1,887$441
40 years$12,988$8,182$4,980$2,949$1,712$383
41 years$12,530$7,789$4,670$2,721$1,553$332
42 years$12,095$7,418$4,380$2,511$1,409$288
43 years$11,681$7,068$4,110$2,318$1,279$249
44 years$11,287$6,737$3,858$2,140$1,161$216
45 years$10,912$6,424$3,623$1,977$1,054$187
46 years$10,554$6,128$3,403$1,826$957$163
47 years$10,213$5,848$3,197$1,687$869$141
48 years$9,886$5,583$3,004$1,559$789$122
49 years$9,574$5,332$2,823$1,441$717$106
50 years$9,275$5,093$2,654$1,332$651$92

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 $3,382 every year, while hoping to spend $37,860 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: 66/23/11 Blend
34$9,500,000$9,500,000$9,500,000$9,500,000
35$10,472,489$9,968,989$9,821,739$11,138,366
36$11,500,400$10,417,186$10,110,484$12,030,550
37$12,631,889$10,886,077$10,407,634$13,000,520
38$13,877,481$11,376,634$10,713,429$14,059,692
39$15,248,773$11,889,878$11,028,118$15,216,778
40$16,758,545$12,426,879$11,351,957$16,481,357
41$18,420,877$12,988,756$11,685,207$17,863,972
42$20,251,285$13,576,684$12,028,140$19,376,222
43$22,266,866$14,191,892$12,381,033$21,030,870
44$24,486,459$14,835,668$12,744,171$22,841,962
45$26,930,825$15,509,363$13,117,848$24,824,956
46$29,622,839$16,214,391$13,502,366$26,996,866
47$32,587,709$16,952,236$13,898,035$29,376,418
48$35,853,209$17,724,450$14,305,173$31,984,227
49$39,449,950$18,532,662$14,724,110$34,842,984
50$43,411,660$19,378,577$15,155,183$37,977,671
51$47,775,505$20,263,983$15,598,737$41,415,791
52$52,582,442$21,190,753$16,055,130$45,187,626
53$57,877,602$22,160,851$16,524,728$49,326,515
54$63,710,719$23,176,334$17,007,907$53,869,170
55$70,136,596$24,239,358$17,505,056$58,856,015
56$77,215,624$25,352,183$18,016,572$64,331,566
57$85,014,355$26,517,176$18,542,864$70,344,842
58$93,606,122$27,736,821$19,084,352$76,949,829
59$103,071,739$29,013,718$19,641,471$84,205,981
60$113,500,259$30,350,593$20,214,663$92,178,777
61$124,989,818$31,750,304$20,804,386$100,940,333
62$137,648,556$33,215,845$21,411,110$110,570,080
63$151,595,643$34,750,356$22,035,316$121,155,503
64$166,962,402$36,357,127$22,677,502$132,792,968
65$183,893,546$38,039,605$23,338,178$145,588,617
66$202,548,547$39,801,406$24,017,867$159,659,369
67$223,103,142$41,646,317$24,717,108$175,134,017
68$245,750,986$43,578,311$25,436,455$192,154,431
69$270,705,487$45,601,548$26,176,477$210,876,896
70$298,201,816$47,720,394$26,937,758$231,473,577
71$328,499,128$49,939,420$27,720,900$254,134,133
72$361,883,009$52,263,421$28,526,520$279,067,506
73$398,668,171$54,697,423$29,355,253$306,503,874
74$439,201,421$57,246,694$30,207,750$336,696,825
75$483,864,939$59,916,755$31,084,684$369,925,735
76$533,079,883$62,713,397$31,986,741$406,498,394
77$587,310,364$65,642,686$32,914,629$446,753,905
78$647,067,829$68,710,985$33,869,077$491,065,871
79$712,915,886$71,924,962$34,850,830$539,845,911
80$785,475,631$75,291,609$35,860,657$593,547,534
81$865,431,503$78,818,256$36,899,346$652,670,405
82$953,537,750$82,512,584$37,967,708$717,765,049
83$1,050,625,550$86,382,650$39,066,576$789,438,038
84$1,157,610,854$90,436,899$40,196,805$868,357,697
85$1,275,503,037$94,684,182$41,359,273$955,260,399
86$1,405,414,422$99,133,783$42,554,884$1,050,957,503
87$1,548,570,786$103,795,431$43,784,566$1,156,342,995
88$1,706,322,929$108,679,329$45,049,271$1,272,401,906
89$1,880,159,424$113,796,173$46,349,978$1,400,219,602
90$2,071,720,675$119,157,176$47,687,693$1,540,991,999
91$2,282,814,402$124,774,095$49,063,448$1,696,036,842
92$2,515,432,703$130,659,257$50,478,305$1,866,806,120
93$2,771,770,864$136,825,586$51,933,354$2,054,899,752
94$3,054,248,084$143,286,632$53,429,713$2,262,080,665
95$3,365,530,313$150,056,602$54,968,534$2,490,291,419
96$3,708,555,421$157,150,391$56,550,995$2,741,672,512
97$4,086,560,932$164,583,618$58,178,312$3,018,582,567
98$4,503,114,590$172,372,659$59,851,728$3,323,620,570
99$4,962,148,041$180,534,682$61,572,524$3,659,650,374
100$5,467,993,951$189,087,691$63,342,013$4,029,827,707