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%19%
1 years$784,501$777,513$770,696$764,041$757,543$730,084
2 years$388,367$381,134$374,124$367,327$360,735$333,372
3 years$256,339$249,075$242,083$235,350$228,865$202,458
4 years$190,339$183,097$176,174$169,557$163,228$137,979
5 years$150,748$143,550$136,719$130,236$124,084$100,058
6 years$124,364$117,219$110,489$104,151$98,183$75,399
7 years$105,525$98,441$91,817$85,628$79,849$58,301
8 years$91,402$84,382$77,868$71,831$66,243$45,911
9 years$80,423$73,470$67,068$61,184$55,786$36,645
10 years$71,646$64,760$58,471$52,741$47,532$29,547
11 years$64,469$57,652$51,477$45,901$40,879$24,013
12 years$58,492$51,745$45,685$40,261$35,425$19,636
13 years$53,439$46,763$40,816$35,545$30,891$16,136
14 years$49,111$42,506$36,673$31,552$27,079$13,313
15 years$45,364$38,830$33,111$28,139$23,843$11,018
16 years$42,089$35,626$30,020$25,196$21,072$9,143
17 years$39,201$32,810$27,317$22,638$18,684$7,603
18 years$36,638$30,318$24,937$20,401$16,613$6,334
19 years$34,347$28,098$22,829$18,434$14,808$5,284
20 years$32,287$26,110$20,951$16,696$13,226$4,414
21 years$30,427$24,321$19,271$15,153$11,836$3,690
22 years$28,737$22,702$17,761$13,777$10,609$3,088
23 years$27,197$21,233$16,399$12,547$9,524$2,586
24 years$25,787$19,894$15,167$11,444$8,560$2,166
25 years$24,492$18,670$14,047$10,451$7,703$1,816
26 years$23,299$17,546$13,028$9,556$6,938$1,523
27 years$22,196$16,513$12,098$8,747$6,256$1,277
28 years$21,173$15,560$11,246$8,014$5,644$1,072
29 years$20,223$14,679$10,466$7,349$5,097$900
30 years$19,338$13,863$9,748$6,745$4,605$755
31 years$18,511$13,105$9,088$6,194$4,164$634
32 years$17,738$12,400$8,479$5,693$3,766$532
33 years$17,013$11,743$7,917$5,235$3,408$447
34 years$16,332$11,130$7,397$4,817$3,086$376
35 years$15,692$10,557$6,916$4,434$2,795$315
36 years$15,088$10,020$6,470$4,084$2,533$265
37 years$14,519$9,516$6,056$3,762$2,295$223
38 years$13,980$9,044$5,671$3,468$2,081$187
39 years$13,471$8,600$5,313$3,198$1,887$157
40 years$12,988$8,182$4,980$2,949$1,712$132
41 years$12,530$7,789$4,670$2,721$1,553$111
42 years$12,095$7,418$4,380$2,511$1,409$93
43 years$11,681$7,068$4,110$2,318$1,279$78
44 years$11,287$6,737$3,858$2,140$1,161$66
45 years$10,912$6,424$3,623$1,977$1,054$55
46 years$10,554$6,128$3,403$1,826$957$46
47 years$10,213$5,848$3,197$1,687$869$39
48 years$9,886$5,583$3,004$1,559$789$33
49 years$9,574$5,332$2,823$1,441$717$28
50 years$9,275$5,093$2,654$1,332$651$23

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 $6,422 every year, while hoping to spend $55,009 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: 38/36/26 Blend
34$9,500,000$9,500,000$9,500,000$9,500,000
35$10,475,624$9,972,124$9,824,874$10,792,256
36$11,485,609$10,402,229$10,095,478$11,454,578
37$12,596,768$10,851,566$10,373,304$12,164,349
38$13,819,364$11,321,018$10,658,535$12,930,376
39$15,164,703$11,811,511$10,951,360$13,757,792
40$16,645,243$12,324,016$11,251,971$14,652,235
41$18,274,711$12,859,546$11,560,565$15,619,886
42$20,068,232$13,419,164$11,877,344$16,667,537
43$22,042,471$14,003,982$12,202,515$17,802,641
44$24,215,791$14,615,166$12,536,288$19,033,386
45$26,608,428$15,253,935$12,878,879$20,368,763
46$29,242,676$15,921,567$13,230,511$21,818,651
47$32,143,104$16,619,398$13,591,407$23,393,903
48$35,336,782$17,348,830$13,961,801$25,106,448
49$38,853,540$18,111,329$14,341,928$26,969,393
50$42,726,249$18,908,432$14,732,029$28,997,150
51$46,991,127$19,741,746$15,132,353$31,205,560
52$51,688,087$20,612,957$15,543,153$33,612,040
53$56,861,109$21,523,829$15,964,685$36,235,744
54$62,558,656$22,476,210$16,397,216$39,097,734
55$68,834,130$23,472,036$16,841,014$42,221,179
56$75,746,380$24,513,333$17,296,356$45,631,559
57$83,360,250$25,602,226$17,763,524$49,356,909
58$91,747,199$26,740,939$18,242,805$53,428,069
59$100,985,969$27,931,801$18,734,495$57,878,973
60$111,163,332$29,177,253$19,238,894$62,746,960
61$122,374,904$30,479,850$19,756,310$68,073,118
62$134,726,053$31,842,272$20,287,055$73,902,668
63$148,332,891$33,267,324$20,831,451$80,285,377
64$163,323,366$34,757,943$21,389,825$87,276,024
65$179,838,476$36,317,209$21,962,511$94,934,905
66$198,033,595$37,948,347$22,549,850$103,328,395
67$218,079,942$39,654,736$23,152,190$112,529,563
68$240,166,194$41,439,916$23,769,886$122,618,852
69$264,500,270$43,307,596$24,403,302$133,684,830
70$291,311,291$45,261,661$25,052,806$145,825,008
71$320,851,744$47,306,184$25,718,776$159,146,760
72$353,399,864$49,445,430$26,401,597$173,768,311
73$389,262,262$51,683,867$27,101,662$189,819,854
74$428,776,816$54,026,180$27,819,371$207,444,753
75$472,315,863$56,477,275$28,555,132$226,800,892
76$520,289,714$59,042,293$29,309,362$248,062,147
77$573,150,522$61,726,623$30,082,483$271,420,010
78$631,396,557$64,535,910$30,874,928$297,085,385
79$695,576,906$67,476,069$31,687,138$325,290,560
80$766,296,654$70,553,300$32,519,560$356,291,383
81$844,222,599$73,774,099$33,372,653$390,369,658
82$930,089,548$77,145,273$34,246,880$427,835,790
83$1,024,707,246$80,673,956$35,142,715$469,031,689
84$1,128,968,030$84,367,624$36,060,640$514,333,983
85$1,243,855,244$88,234,113$37,001,147$564,157,549
86$1,370,452,527$92,281,632$37,964,733$618,959,406
87$1,509,954,040$96,518,787$38,951,907$679,243,009
88$1,663,675,741$100,954,597$39,963,185$745,562,972
89$1,833,067,806$105,598,513$40,999,092$818,530,282
90$2,019,728,323$110,460,440$42,060,161$898,818,039
91$2,225,418,371$115,550,761$43,146,937$987,167,781
92$2,452,078,654$120,880,357$44,259,968$1,084,396,453
93$2,701,847,816$126,460,634$45,399,816$1,191,404,093
94$2,977,082,632$132,303,543$46,567,048$1,309,182,291
95$3,280,380,258$138,421,615$47,762,242$1,438,823,520
96$3,614,602,752$144,827,981$48,985,984$1,581,531,411
97$3,982,904,086$151,536,406$50,238,869$1,738,632,082
98$4,388,759,930$158,561,317$51,521,498$1,911,586,614
99$4,836,000,458$165,917,837$52,834,483$2,102,004,807
100$5,328,846,511$173,621,817$54,178,445$2,311,660,335