Can I retire at age 35 with 10,000,000?

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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$825,791$818,435$811,258$804,254$797,414$786,147
2 years$408,807$401,194$393,815$386,660$379,721$368,391
3 years$269,831$262,184$254,824$247,737$240,911$229,870
4 years$200,356$192,733$185,447$178,481$171,819$161,154
5 years$158,683$151,105$143,914$137,090$130,614$120,355
6 years$130,909$123,389$116,304$109,632$103,351$93,509
7 years$111,079$103,622$96,649$90,135$84,052$74,631
8 years$96,213$88,823$81,966$75,612$69,729$60,728
9 years$84,656$77,336$70,598$64,404$58,722$50,137
10 years$75,417$68,168$61,549$55,517$50,034$41,859
11 years$67,862$60,686$54,186$48,317$43,031$35,257
12 years$61,571$54,469$48,089$42,380$37,290$29,908
13 years$56,251$49,224$42,964$37,415$32,517$25,518
14 years$51,696$44,743$38,604$33,213$28,505$21,876
15 years$47,752$40,874$34,854$29,620$25,098$18,829
16 years$44,304$37,501$31,600$26,522$22,181$16,261
17 years$41,265$34,537$28,755$23,830$19,668$14,082
18 years$38,566$31,914$26,250$21,475$17,487$12,225
19 years$36,155$29,577$24,030$19,405$15,587$10,635
20 years$33,987$27,484$22,054$17,575$13,923$9,268
21 years$32,028$25,601$20,285$15,950$12,459$8,088
22 years$30,250$23,897$18,696$14,502$11,168$7,068
23 years$28,629$22,351$17,262$13,208$10,025$6,184
24 years$27,145$20,941$15,965$12,046$9,011$5,416
25 years$25,782$19,652$14,787$11,001$8,108$4,747
26 years$24,525$18,470$13,714$10,059$7,304$4,164
27 years$23,364$17,382$12,734$9,207$6,585$3,655
28 years$22,288$16,379$11,838$8,436$5,942$3,210
29 years$21,288$15,452$11,017$7,736$5,365$2,820
30 years$20,356$14,593$10,262$7,099$4,848$2,479
31 years$19,486$13,795$9,567$6,520$4,383$2,180
32 years$18,672$13,053$8,926$5,992$3,965$1,918
33 years$17,909$12,361$8,334$5,510$3,588$1,688
34 years$17,192$11,716$7,787$5,070$3,248$1,485
35 years$16,518$11,112$7,280$4,667$2,942$1,308
36 years$15,882$10,547$6,810$4,298$2,666$1,151
37 years$15,283$10,017$6,374$3,960$2,416$1,014
38 years$14,716$9,520$5,969$3,650$2,190$893
39 years$14,180$9,053$5,593$3,366$1,986$787
40 years$13,672$8,613$5,242$3,105$1,802$693
41 years$13,189$8,199$4,915$2,864$1,635$611
42 years$12,731$7,808$4,611$2,643$1,483$538
43 years$12,296$7,439$4,327$2,440$1,346$474
44 years$11,881$7,091$4,061$2,253$1,222$418
45 years$11,486$6,762$3,813$2,081$1,109$369
46 years$11,110$6,451$3,582$1,922$1,007$325
47 years$10,750$6,156$3,365$1,776$914$286
48 years$10,406$5,877$3,162$1,641$830$252
49 years$10,078$5,612$2,972$1,516$754$223
50 years$9,763$5,361$2,794$1,402$685$196

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,000,000, adding $4,573 every year, while hoping to spend $29,247 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: 45/30/25 Blend
34$10,000,000$10,000,000$10,000,000$10,000,000
35$11,024,717$10,494,717$10,339,717$11,441,044
36$12,118,120$10,977,840$10,654,979$12,219,228
37$13,322,069$11,483,655$10,979,822$13,059,446
38$14,647,810$12,013,244$11,314,536$13,970,094
39$16,107,734$12,567,740$11,659,420$14,957,751
40$17,715,494$13,148,331$12,014,782$16,029,642
41$19,486,136$13,756,261$12,380,939$17,193,702
42$21,436,239$14,392,834$12,758,217$18,458,645
43$23,584,071$15,059,419$13,146,954$19,834,051
44$25,949,765$15,757,449$13,547,495$21,330,442
45$28,555,503$16,488,426$13,960,198$22,959,385
46$31,425,730$17,253,925$14,385,431$24,733,593
47$34,587,384$18,055,597$14,823,572$26,667,040
48$38,070,148$18,895,172$15,275,013$28,775,093
49$41,906,732$19,774,464$15,740,154$31,074,647
50$46,133,180$20,695,374$16,219,411$33,584,282
51$50,789,213$21,659,896$16,713,209$36,324,433
52$55,918,600$22,670,118$17,221,989$39,317,577
53$61,569,575$23,728,232$17,746,203$42,588,439
54$67,795,288$24,836,532$18,286,318$46,164,218
55$74,654,311$25,997,425$18,842,813$50,074,844
56$82,211,187$27,213,436$19,416,184$54,353,244
57$90,537,042$28,487,208$20,006,940$59,035,654
58$99,710,254$29,821,515$20,615,606$64,161,950
59$109,817,195$31,219,263$21,242,723$69,776,018
60$120,953,042$32,683,501$21,888,849$75,926,161
61$133,222,683$34,217,423$22,554,555$82,665,546
62$146,741,699$35,824,379$23,240,435$90,052,695
63$161,637,459$37,507,880$23,947,096$98,152,036
64$178,050,322$39,271,608$24,675,166$107,034,491
65$196,134,960$41,119,423$25,425,290$116,778,145
66$216,061,823$43,055,371$26,198,134$127,468,968
67$238,018,740$45,083,695$26,994,382$139,201,619
68$262,212,698$47,208,844$27,814,741$152,080,325
69$288,871,796$49,435,480$28,659,938$166,219,854
70$318,247,394$51,768,493$29,530,720$181,746,589
71$350,616,490$54,213,010$30,427,861$198,799,705
72$386,284,330$56,774,406$31,352,153$217,532,473
73$425,587,297$59,458,317$32,304,415$238,113,688
74$468,896,078$62,270,652$33,285,490$260,729,253
75$516,619,170$65,217,605$34,296,245$285,583,914
76$569,206,731$68,305,674$35,337,575$312,903,180
77$627,154,834$71,541,668$36,410,400$342,935,437
78$691,010,147$74,932,730$37,515,669$375,954,270
79$761,375,097$78,486,349$38,654,358$412,261,029
80$838,913,551$82,210,374$39,827,474$452,187,660
81$924,357,092$86,113,041$41,036,052$496,099,812
82$1,018,511,915$90,202,980$42,281,160$544,400,270
83$1,122,266,448$94,489,244$43,563,897$597,532,739
84$1,236,599,733$98,981,323$44,885,394$655,986,005
85$1,362,590,669$103,689,171$46,246,818$720,298,527
86$1,501,428,199$108,623,223$47,649,369$791,063,498
87$1,654,422,537$113,794,422$49,094,284$868,934,415
88$1,823,017,529$119,214,243$50,582,837$954,631,223
89$2,008,804,294$124,894,717$52,116,338$1,048,947,082
90$2,213,536,236$130,848,463$53,696,140$1,152,755,827
91$2,439,145,605$137,088,710$55,323,633$1,267,020,183
92$2,687,761,732$143,629,332$57,000,250$1,392,800,823
93$2,961,731,137$150,484,878$58,727,467$1,531,266,345
94$3,263,639,680$157,670,604$60,506,804$1,683,704,271
95$3,596,336,970$165,202,507$62,339,825$1,851,533,163
96$3,962,963,275$173,097,363$64,228,143$2,036,315,974
97$4,366,979,161$181,372,766$66,173,418$2,239,774,766
98$4,812,198,167$190,047,162$68,177,358$2,463,806,920
99$5,302,822,805$199,139,899$70,241,725$2,710,503,006
100$5,843,484,241$208,671,263$72,368,332$2,982,166,472