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

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 $9,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$817,533$810,251$803,146$796,211$789,440$760,221
2 years$404,719$397,182$389,877$382,794$375,924$346,816
3 years$267,133$259,563$252,276$245,260$238,501$210,421
4 years$198,353$190,806$183,592$176,696$170,101$143,261
5 years$157,096$149,594$142,475$135,719$129,308$103,779
6 years$129,600$122,155$115,141$108,536$102,317$78,117
7 years$109,968$102,586$95,683$89,233$83,211$60,333
8 years$95,251$87,935$81,147$74,856$69,032$47,456
9 years$83,810$76,563$69,892$63,760$58,135$37,831
10 years$74,662$67,487$60,933$54,962$49,534$30,465
11 years$67,183$60,079$53,644$47,833$42,601$24,727
12 years$60,955$53,924$47,608$41,956$36,917$20,193
13 years$55,689$48,731$42,535$37,041$32,192$16,571
14 years$51,179$44,296$38,218$32,881$28,219$13,652
15 years$47,274$40,465$34,505$29,324$24,847$11,283
16 years$43,861$37,126$31,284$26,257$21,960$9,349
17 years$40,852$34,191$28,467$23,591$19,471$7,763
18 years$38,180$31,594$25,987$21,261$17,313$6,458
19 years$35,793$29,281$23,790$19,211$15,431$5,379
20 years$33,647$27,210$21,833$17,399$13,783$4,486
21 years$31,708$25,345$20,082$15,791$12,335$3,745
22 years$29,947$23,658$18,509$14,357$11,056$3,129
23 years$28,342$22,127$17,090$13,076$9,925$2,616
24 years$26,873$20,732$15,805$11,926$8,920$2,188
25 years$25,524$19,456$14,639$10,891$8,027$1,831
26 years$24,280$18,285$13,577$9,958$7,231$1,533
27 years$23,131$17,209$12,607$9,115$6,519$1,284
28 years$22,065$16,216$11,720$8,351$5,882$1,076
29 years$21,075$15,297$10,906$7,658$5,311$901
30 years$20,152$14,447$10,159$7,029$4,799$755
31 years$19,291$13,657$9,471$6,455$4,339$633
32 years$18,485$12,922$8,836$5,932$3,925$531
33 years$17,729$12,238$8,251$5,455$3,552$445
34 years$17,020$11,599$7,709$5,019$3,216$373
35 years$16,352$11,001$7,207$4,621$2,913$313
36 years$15,723$10,442$6,742$4,255$2,639$262
37 years$15,130$9,917$6,311$3,921$2,392$220
38 years$14,569$9,425$5,910$3,614$2,169$185
39 years$14,038$8,962$5,537$3,332$1,966$155
40 years$13,535$8,527$5,190$3,074$1,784$130
41 years$13,058$8,117$4,866$2,836$1,618$109
42 years$12,604$7,730$4,565$2,617$1,468$91
43 years$12,173$7,365$4,283$2,416$1,333$77
44 years$11,763$7,020$4,021$2,231$1,210$64
45 years$11,372$6,695$3,775$2,060$1,098$54
46 years$10,999$6,386$3,546$1,903$997$45
47 years$10,643$6,095$3,331$1,758$905$38
48 years$10,302$5,818$3,130$1,624$822$32
49 years$9,977$5,556$2,942$1,501$747$27
50 years$9,666$5,307$2,766$1,388$678$22

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 $6,817 every year, while hoping to spend $52,825 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: 45/37/18 Blend
34$9,900,000$9,900,000$9,900,000$9,900,000
35$10,916,832$10,392,132$10,238,682$11,351,364
36$11,974,143$10,845,141$10,525,472$12,109,293
37$13,137,530$11,318,577$10,820,100$12,924,905
38$14,417,756$11,813,385$11,122,771$13,808,253
39$15,826,681$12,330,555$11,433,698$14,765,642
40$17,377,374$12,871,123$11,753,098$15,803,995
41$19,084,232$13,436,175$12,081,193$16,930,916
42$20,963,123$14,026,847$12,418,212$18,154,756
43$23,031,529$14,644,329$12,764,389$19,484,690
44$25,308,712$15,289,868$13,119,963$20,930,800
45$27,815,898$15,964,770$13,485,180$22,504,163
46$30,576,477$16,670,401$13,860,291$24,216,957
47$33,616,221$17,408,193$14,245,554$26,082,565
48$36,963,528$18,179,648$14,641,233$28,115,702
49$40,649,692$18,986,335$15,047,598$30,332,546
50$44,709,195$19,829,899$15,464,927$32,750,888
51$49,180,035$20,712,066$15,893,503$35,390,292
52$54,104,080$21,634,639$16,333,618$38,272,277
53$59,527,471$22,599,511$16,785,568$41,420,512
54$65,501,047$23,608,661$17,249,659$44,861,035
55$72,080,834$24,664,166$17,726,203$48,622,493
56$79,328,568$25,768,199$18,215,520$52,736,403
57$87,312,279$26,923,038$18,717,937$57,237,448
58$96,106,932$28,131,067$19,233,789$62,163,791
59$105,795,138$29,394,788$19,763,419$67,557,433
60$116,467,927$30,716,818$20,307,178$73,464,597
61$128,225,614$32,099,900$20,865,427$79,936,161
62$141,178,740$33,546,909$21,438,533$87,028,129
63$155,449,120$35,060,856$22,026,872$94,802,145
64$171,170,988$36,644,896$22,630,830$103,326,074
65$188,492,268$38,302,334$23,250,802$112,674,627
66$207,575,966$40,036,636$23,887,191$122,930,059
67$228,601,712$41,851,428$24,540,409$134,182,935
68$251,767,454$43,750,516$25,210,880$146,532,971
69$277,291,325$45,737,882$25,899,035$160,089,968
70$305,413,704$47,817,702$26,605,317$174,974,831
71$336,399,483$49,994,351$27,330,176$191,320,703
72$370,540,570$52,272,413$28,074,077$209,274,208
73$408,158,641$54,656,694$28,837,491$228,996,816
74$449,608,177$57,152,226$29,620,901$250,666,361
75$495,279,812$59,764,287$30,424,802$274,478,696
76$545,604,019$62,498,403$31,249,700$300,649,535
77$601,055,174$65,360,370$32,096,110$329,416,465
78$662,156,033$68,356,259$32,964,561$361,041,175
79$729,482,666$71,492,434$33,855,591$395,811,911
80$803,669,897$74,775,562$34,769,753$434,046,171
81$885,417,296$78,212,634$35,707,609$476,093,692
82$975,495,781$81,810,974$36,669,734$522,339,721
83$1,074,754,898$85,578,259$37,656,718$573,208,639
84$1,184,130,839$89,522,535$38,669,160$629,167,938
85$1,304,655,281$93,652,236$39,707,673$690,732,613
86$1,437,465,124$97,976,199$40,772,884$758,470,002
87$1,583,813,223$102,503,689$41,865,432$833,005,111
88$1,745,080,218$107,244,416$42,985,970$915,026,489
89$1,922,787,565$112,208,557$44,135,164$1,005,292,701
90$2,118,611,899$117,406,780$45,313,696$1,104,639,459
91$2,334,400,867$122,850,266$46,522,258$1,213,987,479
92$2,572,190,561$128,550,734$47,761,559$1,334,351,141
93$2,834,224,749$134,520,472$49,032,323$1,466,848,034
94$3,122,976,053$140,772,355$50,335,285$1,612,709,466
95$3,441,169,293$147,319,882$51,671,199$1,773,292,054
96$3,791,807,207$154,177,203$53,040,831$1,950,090,494
97$4,178,198,807$161,359,150$54,444,963$2,144,751,625
98$4,603,990,608$168,881,271$55,884,392$2,359,089,940
99$5,073,201,062$176,759,865$57,359,932$2,595,104,666
100$5,590,258,490$185,012,018$58,872,409$2,854,998,594