Can I retire at age 35 with 9,900,000?

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 $9,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$817,533$810,251$803,146$796,211$789,440$778,607
2 years$404,719$397,182$389,877$382,794$375,924$365,029
3 years$267,133$259,563$252,276$245,260$238,501$227,884
4 years$198,353$190,806$183,592$176,696$170,101$159,842
5 years$157,096$149,594$142,475$135,719$129,308$119,437
6 years$129,600$122,155$115,141$108,536$102,317$92,846
7 years$109,968$102,586$95,683$89,233$83,211$74,144
8 years$95,251$87,935$81,147$74,856$69,032$60,367
9 years$83,810$76,563$69,892$63,760$58,135$49,868
10 years$74,662$67,487$60,933$54,962$49,534$41,659
11 years$67,183$60,079$53,644$47,833$42,601$35,111
12 years$60,955$53,924$47,608$41,956$36,917$29,803
13 years$55,689$48,731$42,535$37,041$32,192$25,445
14 years$51,179$44,296$38,218$32,881$28,219$21,828
15 years$47,274$40,465$34,505$29,324$24,847$18,801
16 years$43,861$37,126$31,284$26,257$21,960$16,247
17 years$40,852$34,191$28,467$23,591$19,471$14,081
18 years$38,180$31,594$25,987$21,261$17,313$12,233
19 years$35,793$29,281$23,790$19,211$15,431$10,649
20 years$33,647$27,210$21,833$17,399$13,783$9,287
21 years$31,708$25,345$20,082$15,791$12,335$8,111
22 years$29,947$23,658$18,509$14,357$11,056$7,094
23 years$28,342$22,127$17,090$13,076$9,925$6,211
24 years$26,873$20,732$15,805$11,926$8,920$5,444
25 years$25,524$19,456$14,639$10,891$8,027$4,775
26 years$24,280$18,285$13,577$9,958$7,231$4,192
27 years$23,131$17,209$12,607$9,115$6,519$3,682
28 years$22,065$16,216$11,720$8,351$5,882$3,237
29 years$21,075$15,297$10,906$7,658$5,311$2,846
30 years$20,152$14,447$10,159$7,029$4,799$2,504
31 years$19,291$13,657$9,471$6,455$4,339$2,204
32 years$18,485$12,922$8,836$5,932$3,925$1,940
33 years$17,729$12,238$8,251$5,455$3,552$1,709
34 years$17,020$11,599$7,709$5,019$3,216$1,505
35 years$16,352$11,001$7,207$4,621$2,913$1,326
36 years$15,723$10,442$6,742$4,255$2,639$1,169
37 years$15,130$9,917$6,311$3,921$2,392$1,030
38 years$14,569$9,425$5,910$3,614$2,169$908
39 years$14,038$8,962$5,537$3,332$1,966$801
40 years$13,535$8,527$5,190$3,074$1,784$706
41 years$13,058$8,117$4,866$2,836$1,618$623
42 years$12,604$7,730$4,565$2,617$1,468$549
43 years$12,173$7,365$4,283$2,416$1,333$485
44 years$11,763$7,020$4,021$2,231$1,210$427
45 years$11,372$6,695$3,775$2,060$1,098$377
46 years$10,999$6,386$3,546$1,903$997$333
47 years$10,643$6,095$3,331$1,758$905$293
48 years$10,302$5,818$3,130$1,624$822$259
49 years$9,977$5,556$2,942$1,501$747$228
50 years$9,666$5,307$2,766$1,388$678$202

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,900,000, adding $2,195 every year, while hoping to spend $55,751 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: 50/23/27 Blend
34$9,900,000$9,900,000$9,900,000$9,900,000
35$10,912,064$10,387,364$10,233,914$11,374,268
36$11,965,776$10,837,026$10,517,432$12,146,859
37$13,125,098$11,306,853$10,808,578$12,980,377
38$14,400,743$11,797,775$11,107,551$13,885,266
39$15,804,517$12,310,763$11,414,552$14,868,323
40$17,349,424$12,846,837$11,729,786$15,937,016
41$19,049,796$13,407,063$12,053,465$17,099,559
42$20,921,425$13,992,559$12,385,805$18,364,982
43$22,981,709$14,604,493$12,727,028$19,743,217
44$25,249,820$15,244,090$13,077,361$21,245,186
45$27,746,884$15,912,632$13,437,034$22,882,904
46$30,496,178$16,611,464$13,806,287$24,669,586
47$33,523,353$17,341,989$14,185,362$26,619,774
48$36,856,671$18,105,683$14,574,508$28,749,465
49$40,527,276$18,904,086$14,973,978$31,076,263
50$44,569,487$19,738,815$15,384,035$33,619,540
51$49,021,118$20,611,561$15,804,944$36,400,614
52$53,923,841$21,524,096$16,236,979$39,442,951
53$59,323,572$22,478,276$16,680,417$42,772,376
54$65,270,910$23,476,045$17,135,545$46,417,318
55$71,821,612$24,519,440$17,602,654$50,409,072
56$79,037,116$25,610,592$18,082,043$54,782,088
57$86,985,127$26,751,737$18,574,016$59,574,297
58$95,740,252$27,945,214$19,078,888$64,827,458
59$105,384,702$29,193,474$19,596,975$70,587,551
60$116,009,073$30,499,086$20,128,605$76,905,206
61$127,713,197$31,864,739$20,674,112$83,836,170
62$140,607,084$33,293,252$21,233,835$91,441,837
63$154,811,963$34,787,578$21,808,125$99,789,812
64$170,461,422$36,350,808$22,397,336$108,954,549
65$187,702,673$37,986,184$23,001,833$119,018,045
66$206,697,939$39,697,100$23,621,987$130,070,607
67$227,625,984$41,487,113$24,258,179$142,211,700
68$250,683,802$43,359,949$24,910,796$155,550,876
69$276,088,477$45,319,514$25,580,235$170,208,799
70$304,079,229$47,369,897$26,266,900$186,318,380
71$334,919,674$49,515,386$26,971,205$204,026,023
72$368,900,312$51,760,471$27,693,571$223,492,993
73$406,341,268$54,109,858$28,434,430$244,896,937
74$447,595,315$56,568,479$29,194,222$268,433,544
75$493,051,203$59,141,501$29,973,394$294,318,388
76$543,137,328$61,834,337$30,772,405$322,788,950
77$598,325,778$64,652,661$31,591,722$354,106,850
78$659,136,785$67,602,419$32,431,823$388,560,305
79$726,143,641$70,689,841$33,293,193$426,466,836
80$799,978,105$73,921,457$34,176,328$468,176,258
81$881,336,371$77,304,108$35,081,734$514,073,965
82$970,985,636$80,844,964$36,009,928$564,584,558
83$1,069,771,344$84,551,541$36,961,434$620,175,837
84$1,178,625,168$88,431,712$37,936,788$681,363,203
85$1,298,573,801$92,493,733$38,936,536$748,714,509
86$1,430,748,654$96,746,251$39,961,236$822,855,405
87$1,576,396,533$101,198,333$41,011,453$904,475,226
88$1,736,891,408$105,859,480$42,087,766$994,333,484
89$1,913,747,387$110,739,650$43,190,761$1,093,267,021
90$2,108,633,007$115,849,279$44,321,038$1,202,197,885
91$2,323,386,986$121,199,307$45,479,205$1,322,142,021
92$2,560,035,584$126,801,198$46,665,884$1,454,218,838
93$2,820,811,728$132,666,971$47,881,705$1,599,661,753
94$3,108,176,092$138,809,220$49,127,311$1,759,829,819
95$3,424,840,331$145,241,150$50,403,353$1,936,220,525
96$3,773,792,676$151,976,597$51,710,497$2,130,483,911
97$4,158,326,147$159,030,069$53,049,416$2,344,438,120
98$4,582,069,641$166,416,769$54,420,798$2,580,086,535
99$5,049,022,189$174,152,635$55,825,340$2,839,636,664
100$5,563,590,713$182,254,375$57,263,749$3,125,520,948