Can I retire at age 35 with 9,800,000?

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 $9,800,000?

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%
1 years$809,275$802,066$795,033$788,169$781,466$752,841
2 years$400,631$393,170$385,938$378,927$372,127$343,606
3 years$264,434$256,941$249,728$242,782$236,092$208,573
4 years$196,349$188,879$181,738$174,911$168,383$142,075
5 years$155,509$148,083$141,036$134,348$128,002$102,974
6 years$128,291$120,921$113,978$107,440$101,284$77,553
7 years$108,857$101,549$94,716$88,332$82,371$59,932
8 years$94,288$87,047$80,327$74,099$68,335$47,168
9 years$82,963$75,790$69,186$63,116$57,548$37,625
10 years$73,908$66,805$60,318$54,407$49,033$30,319
11 years$66,505$59,472$53,103$47,350$42,170$24,624
12 years$60,339$53,379$47,127$41,533$36,544$20,122
13 years$55,126$48,239$42,105$36,667$31,867$16,524
14 years$50,662$43,848$37,832$32,549$27,934$13,623
15 years$46,797$40,056$34,157$29,028$24,596$11,267
16 years$43,418$36,751$30,968$25,991$21,738$9,343
17 years$40,439$33,846$28,180$23,353$19,274$7,764
18 years$37,795$31,275$25,725$21,046$17,138$6,463
19 years$35,431$28,986$23,550$19,017$15,275$5,388
20 years$33,307$26,935$21,613$17,223$13,644$4,496
21 years$31,388$25,089$19,879$15,631$12,210$3,757
22 years$29,645$23,419$18,322$14,212$10,944$3,141
23 years$28,056$21,904$16,917$12,943$9,824$2,628
24 years$26,602$20,522$15,645$11,805$8,830$2,200
25 years$25,266$19,259$14,491$10,781$7,946$1,843
26 years$24,035$18,101$13,440$9,858$7,157$1,544
27 years$22,897$17,035$12,480$9,023$6,453$1,294
28 years$21,842$16,052$11,602$8,267$5,823$1,085
29 years$20,862$15,143$10,796$7,581$5,258$910
30 years$19,949$14,301$10,056$6,958$4,751$763
31 years$19,096$13,519$9,375$6,390$4,295$640
32 years$18,298$12,792$8,747$5,872$3,885$537
33 years$17,550$12,114$8,167$5,400$3,516$451
34 years$16,848$11,481$7,631$4,969$3,183$378
35 years$16,187$10,890$7,135$4,574$2,883$318
36 years$15,565$10,336$6,674$4,213$2,612$267
37 years$14,977$9,817$6,247$3,881$2,368$224
38 years$14,422$9,330$5,850$3,577$2,147$188
39 years$13,896$8,872$5,481$3,299$1,947$158
40 years$13,398$8,441$5,137$3,042$1,766$132
41 years$12,926$8,035$4,817$2,807$1,602$111
42 years$12,477$7,652$4,519$2,591$1,454$93
43 years$12,050$7,291$4,240$2,391$1,319$78
44 years$11,644$6,950$3,980$2,208$1,197$66
45 years$11,257$6,627$3,737$2,039$1,087$55
46 years$10,888$6,322$3,510$1,884$987$46
47 years$10,535$6,033$3,298$1,740$896$39
48 years$10,198$5,759$3,099$1,608$814$33
49 years$9,876$5,500$2,913$1,486$739$27
50 years$9,568$5,254$2,738$1,374$671$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,800,000, adding $4,576 every year, while hoping to spend $48,894 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: 36/48/16 Blend
34$9,800,000$9,800,000$9,800,000$9,800,000
35$10,804,320$10,284,920$10,133,020$11,140,239
36$11,854,338$10,736,858$10,420,453$11,835,615
37$13,009,819$11,209,303$10,715,877$12,580,861
38$14,281,469$11,703,207$11,019,507$13,384,360
39$15,681,083$12,219,569$11,331,565$14,251,329
40$17,221,659$12,759,433$11,652,279$15,187,491
41$18,917,519$13,323,896$11,981,881$16,199,116
42$20,784,444$13,914,105$12,320,611$17,293,081
43$22,839,820$14,531,259$12,668,715$18,476,932
44$25,102,809$15,176,618$13,026,444$19,758,944
45$27,594,523$15,851,500$13,394,057$21,148,199
46$30,338,225$16,557,284$13,771,819$22,654,666
47$33,359,550$17,295,417$14,160,001$24,289,287
48$36,686,746$18,067,414$14,558,882$26,064,078
49$40,350,937$18,874,861$14,968,748$27,992,233
50$44,386,424$19,719,420$15,389,893$30,088,245
51$48,831,001$20,602,833$15,822,616$32,368,035
52$53,726,315$21,526,924$16,267,225$34,849,094
53$59,118,259$22,493,603$16,724,038$37,550,644
54$65,057,406$23,504,874$17,193,377$40,493,809
55$71,599,481$24,562,833$17,675,575$43,701,809
56$78,805,894$25,669,678$18,170,973$47,200,169
57$86,744,315$26,827,711$18,679,920$51,016,951
58$95,489,311$28,039,345$19,202,773$55,183,013
59$105,123,054$29,307,107$19,739,900$59,732,287
60$115,736,095$30,633,644$20,291,676$64,702,092
61$127,428,217$32,021,733$20,858,487$70,133,475
62$140,309,377$33,474,279$21,440,728$76,071,587
63$154,500,745$34,994,331$22,038,804$82,566,102
64$170,135,846$36,585,078$22,653,129$89,671,666
65$187,361,823$38,249,867$23,284,129$97,448,408
66$206,340,820$39,992,203$23,932,239$105,962,493
67$227,251,521$41,815,758$24,597,906$115,286,729
68$250,290,827$43,724,381$25,281,587$125,501,247
69$275,675,721$45,722,105$25,983,750$136,694,237
70$303,645,315$47,813,158$26,704,876$148,962,765
71$334,463,103$50,001,969$27,445,455$162,413,678
72$368,419,453$52,293,179$28,205,991$177,164,592
73$405,834,346$54,691,654$28,987,001$193,344,985
74$447,060,395$57,202,491$29,789,011$211,097,399
75$492,486,177$59,831,034$30,612,564$230,578,771
76$542,539,895$62,582,883$31,458,213$251,961,890
77$597,693,426$65,463,906$32,326,526$275,437,008
78$658,466,773$68,480,255$33,218,082$301,213,613
79$725,432,974$71,638,377$34,133,477$329,522,387
80$799,223,508$74,945,028$35,073,319$360,617,353
81$880,534,262$78,407,291$36,038,232$394,778,252
82$970,132,096$82,032,588$37,028,852$432,313,158
83$1,068,862,085$85,828,700$38,045,834$473,561,353
84$1,177,655,494$89,803,782$39,089,845$518,896,507
85$1,297,538,568$93,966,381$40,161,569$568,730,169
86$1,429,642,225$98,325,457$41,261,705$623,515,624
87$1,575,212,730$102,890,402$42,390,970$683,752,137
88$1,735,623,456$107,671,060$43,550,095$749,989,633
89$1,912,387,856$112,677,749$44,739,830$822,833,848
90$2,107,173,745$117,921,286$45,960,942$902,952,011
91$2,321,819,048$123,413,010$47,214,215$991,079,103
92$2,558,349,150$129,164,807$48,500,450$1,088,024,754
93$2,818,996,015$135,189,135$49,820,468$1,194,680,836
94$3,106,219,262$141,499,055$51,175,106$1,312,029,847
95$3,422,729,378$148,108,260$52,565,223$1,441,154,126
96$3,771,513,311$155,031,102$53,991,695$1,583,246,029
97$4,155,862,670$162,282,627$55,455,418$1,739,619,127
98$4,579,404,797$169,878,610$56,957,309$1,911,720,554
99$5,046,137,010$177,835,586$58,498,303$2,101,144,609
100$5,560,464,347$186,170,891$60,079,358$2,309,647,744