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%11.7%
1 years$784,501$777,513$770,696$764,041$757,543$752,139
2 years$388,367$381,134$374,124$367,327$360,735$355,285
3 years$256,339$249,075$242,083$235,350$228,865$223,539
4 years$190,339$183,097$176,174$169,557$163,228$158,067
5 years$150,748$143,550$136,719$130,236$124,084$119,102
6 years$124,364$117,219$110,489$104,151$98,183$93,388
7 years$105,525$98,441$91,817$85,628$79,849$75,242
8 years$91,402$84,382$77,868$71,831$66,243$61,824
9 years$80,423$73,470$67,068$61,184$55,786$51,554
10 years$71,646$64,760$58,471$52,741$47,532$43,486
11 years$64,469$57,652$51,477$45,901$40,879$37,015
12 years$58,492$51,745$45,685$40,261$35,425$31,740
13 years$53,439$46,763$40,816$35,545$30,891$27,381
14 years$49,111$42,506$36,673$31,552$27,079$23,739
15 years$45,364$38,830$33,111$28,139$23,843$20,668
16 years$42,089$35,626$30,020$25,196$21,072$18,059
17 years$39,201$32,810$27,317$22,638$18,684$15,827
18 years$36,638$30,318$24,937$20,401$16,613$13,908
19 years$34,347$28,098$22,829$18,434$14,808$12,248
20 years$32,287$26,110$20,951$16,696$13,226$10,808
21 years$30,427$24,321$19,271$15,153$11,836$9,553
22 years$28,737$22,702$17,761$13,777$10,609$8,456
23 years$27,197$21,233$16,399$12,547$9,524$7,495
24 years$25,787$19,894$15,167$11,444$8,560$6,650
25 years$24,492$18,670$14,047$10,451$7,703$5,907
26 years$23,299$17,546$13,028$9,556$6,938$5,251
27 years$22,196$16,513$12,098$8,747$6,256$4,672
28 years$21,173$15,560$11,246$8,014$5,644$4,160
29 years$20,223$14,679$10,466$7,349$5,097$3,706
30 years$19,338$13,863$9,748$6,745$4,605$3,303
31 years$18,511$13,105$9,088$6,194$4,164$2,945
32 years$17,738$12,400$8,479$5,693$3,766$2,628
33 years$17,013$11,743$7,917$5,235$3,408$2,345
34 years$16,332$11,130$7,397$4,817$3,086$2,094
35 years$15,692$10,557$6,916$4,434$2,795$1,870
36 years$15,088$10,020$6,470$4,084$2,533$1,670
37 years$14,519$9,516$6,056$3,762$2,295$1,492
38 years$13,980$9,044$5,671$3,468$2,081$1,334
39 years$13,471$8,600$5,313$3,198$1,887$1,192
40 years$12,988$8,182$4,980$2,949$1,712$1,066
41 years$12,530$7,789$4,670$2,721$1,553$953
42 years$12,095$7,418$4,380$2,511$1,409$852
43 years$11,681$7,068$4,110$2,318$1,279$762
44 years$11,287$6,737$3,858$2,140$1,161$682
45 years$10,912$6,424$3,623$1,977$1,054$610
46 years$10,554$6,128$3,403$1,826$957$545
47 years$10,213$5,848$3,197$1,687$869$488
48 years$9,886$5,583$3,004$1,559$789$437
49 years$9,574$5,332$2,823$1,441$717$391
50 years$9,275$5,093$2,654$1,332$651$350

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 $6,326 every year, while hoping to spend $35,899 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: 36/42/22 Blend
34$9,500,000$9,500,000$9,500,000$9,500,000
35$10,475,525$9,972,025$9,824,775$10,782,762
36$11,505,833$10,422,458$10,115,709$11,458,999
37$12,640,028$10,893,759$10,415,186$12,184,773
38$13,888,670$11,386,913$10,723,454$12,967,579
39$15,263,394$11,902,951$11,040,769$13,812,547
40$16,777,019$12,442,954$11,367,394$14,725,297
41$18,443,672$13,008,056$11,703,598$15,711,994
42$20,278,918$13,599,442$12,049,660$16,779,401
43$22,299,910$14,218,357$12,405,866$17,934,935
44$24,525,548$14,866,104$12,772,510$19,186,735
45$26,976,660$15,544,049$13,149,895$20,543,735
46$29,676,194$16,253,622$13,538,331$22,015,739
47$32,649,440$16,996,324$13,938,140$23,613,516
48$35,924,265$17,773,726$14,349,649$25,348,886
49$39,531,376$18,587,475$14,773,199$27,234,836
50$43,504,612$19,439,297$15,209,136$29,285,630
51$47,881,261$20,331,000$15,657,821$31,516,938
52$52,702,412$21,264,482$16,119,620$33,945,981
53$58,013,344$22,241,727$16,594,913$36,591,684
54$63,863,952$23,264,820$17,084,091$39,474,848
55$70,309,220$24,335,941$17,587,552$42,618,337
56$77,409,737$25,457,378$18,105,711$46,047,291
57$85,232,269$26,631,528$18,638,991$49,789,349
58$93,850,391$27,860,904$19,187,829$53,874,908
59$103,345,181$29,148,138$19,752,671$58,337,393
60$113,805,985$30,495,992$20,333,981$63,213,572
61$125,331,258$31,907,358$20,932,232$68,543,886
62$138,029,496$33,385,269$21,547,911$74,372,825
63$152,020,260$34,932,902$22,181,521$80,749,335
64$167,435,301$36,553,589$22,833,578$87,727,270
65$184,419,810$38,250,823$23,504,611$95,365,890
66$203,133,781$40,028,264$24,195,165$103,730,404
67$223,753,527$41,889,749$24,905,803$112,892,578
68$246,473,339$43,839,299$25,637,100$122,931,393
69$271,507,326$45,881,132$26,389,650$133,933,784
70$299,091,432$48,019,666$27,164,062$145,995,441
71$329,485,663$50,259,534$27,960,963$159,221,696
72$362,976,543$52,605,594$28,780,997$173,728,506
73$399,879,818$55,062,935$29,624,828$189,643,529
74$440,543,437$57,636,896$30,493,137$207,107,308
75$485,350,835$60,333,072$31,386,625$226,274,585
76$534,724,554$63,157,326$32,306,011$247,315,738
77$589,130,233$66,115,809$33,252,036$270,418,375
78$649,081,000$69,214,967$34,225,463$295,789,075
79$715,142,319$72,461,557$35,227,073$323,655,327
80$787,937,326$75,862,665$36,257,671$354,267,644
81$868,152,715$79,425,717$37,318,084$387,901,914
82$956,545,216$83,158,501$38,409,164$424,861,969
83$1,053,948,741$87,069,180$39,531,783$465,482,437
84$1,161,282,256$91,166,314$40,686,842$510,131,864
85$1,279,558,459$95,458,876$41,875,264$559,216,173
86$1,409,893,335$99,956,274$43,097,998$613,182,457
87$1,553,516,695$104,668,371$44,356,021$672,523,176
88$1,711,783,787$109,605,510$45,650,337$737,780,768
89$1,886,188,086$114,778,534$46,981,976$809,552,738
90$2,078,375,398$120,198,809$48,352,000$888,497,258
91$2,290,159,394$125,878,256$49,761,497$975,339,348
92$2,523,538,733$131,829,371$51,211,588$1,070,877,677
93$2,780,715,932$138,065,258$52,703,424$1,175,992,063
94$3,064,118,156$144,599,656$54,238,188$1,291,651,734
95$3,376,420,138$151,446,968$55,817,097$1,418,924,432
96$3,720,569,422$158,622,300$57,441,400$1,558,986,446
97$4,099,814,198$166,141,488$59,112,382$1,713,133,669
98$4,517,733,962$174,021,136$60,831,363$1,882,793,774
99$4,978,273,312$182,278,657$62,599,699$2,069,539,642
100$5,485,779,185$190,932,307$64,418,784$2,275,104,152