Can I retire at age 35 with 10,700,000?

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 $10,700,000?

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$883,596$875,725$868,047$860,552$853,233$847,146
2 years$437,424$429,277$421,382$413,727$406,301$400,163
3 years$288,719$280,537$272,662$265,079$257,774$251,775
4 years$214,381$206,225$198,428$190,974$183,847$178,033
5 years$169,790$161,683$153,988$146,687$139,757$134,146
6 years$140,073$132,026$124,445$117,306$110,585$105,184
7 years$118,854$110,875$103,415$96,444$89,935$84,746
8 years$102,948$95,041$87,704$80,905$74,610$69,633
9 years$90,582$82,750$75,539$68,913$62,833$58,067
10 years$80,696$72,940$65,857$59,403$53,536$48,979
11 years$72,612$64,934$57,979$51,699$46,043$41,691
12 years$65,881$58,281$51,455$45,347$39,900$35,749
13 years$60,189$52,669$45,972$40,034$34,794$30,839
14 years$55,315$47,875$41,306$35,538$30,500$26,738
15 years$51,094$43,735$37,294$31,694$26,854$23,279
16 years$47,405$40,126$33,812$28,378$23,734$20,340
17 years$44,153$36,954$30,768$25,498$21,044$17,827
18 years$41,266$34,147$28,087$22,979$18,712$15,664
19 years$38,685$31,648$25,712$20,763$16,678$13,795
20 years$36,366$29,408$23,597$18,805$14,897$12,173
21 years$34,270$27,393$21,705$17,067$13,331$10,759
22 years$32,367$25,570$20,005$15,518$11,950$9,524
23 years$30,633$23,915$18,471$14,132$10,727$8,441
24 years$29,045$22,407$17,082$12,889$9,641$7,490
25 years$27,586$21,028$15,822$11,771$8,676$6,653
26 years$26,242$19,763$14,674$10,763$7,815$5,915
27 years$25,000$18,599$13,626$9,852$7,046$5,262
28 years$23,848$17,526$12,667$9,026$6,357$4,685
29 years$22,778$16,534$11,788$8,277$5,741$4,174
30 years$21,781$15,614$10,980$7,596$5,187$3,720
31 years$20,850$14,761$10,236$6,977$4,690$3,317
32 years$19,979$13,967$9,551$6,412$4,242$2,960
33 years$19,162$13,227$8,917$5,896$3,839$2,641
34 years$18,395$12,536$8,332$5,425$3,476$2,358
35 years$17,674$11,890$7,790$4,994$3,148$2,106
36 years$16,994$11,285$7,287$4,599$2,852$1,881
37 years$16,353$10,718$6,821$4,238$2,585$1,681
38 years$15,746$10,186$6,387$3,906$2,344$1,502
39 years$15,172$9,686$5,984$3,602$2,125$1,342
40 years$14,629$9,216$5,609$3,322$1,928$1,200
41 years$14,113$8,772$5,259$3,065$1,749$1,073
42 years$13,623$8,355$4,933$2,828$1,587$960
43 years$13,157$7,960$4,629$2,611$1,440$858
44 years$12,713$7,588$4,345$2,411$1,307$768
45 years$12,290$7,236$4,080$2,226$1,187$687
46 years$11,887$6,903$3,832$2,057$1,078$614
47 years$11,503$6,587$3,600$1,900$979$550
48 years$11,135$6,288$3,383$1,756$889$492
49 years$10,783$6,005$3,180$1,623$807$440
50 years$10,447$5,736$2,990$1,500$733$394

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,700,000, adding $6,793 every year, while hoping to spend $52,681 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: 56/29/15 Blend
34$10,700,000$10,700,000$10,700,000$10,700,000
35$11,798,407$11,231,307$11,065,457$12,412,596
36$12,945,792$11,725,589$11,380,098$13,324,628
37$14,208,445$12,242,325$11,703,513$14,311,305
38$15,598,068$12,782,560$12,035,942$15,384,888
39$17,127,553$13,347,387$12,377,628$16,553,703
40$18,811,108$13,937,954$12,728,823$17,826,907
41$20,664,386$14,555,459$13,089,784$19,214,564
42$22,704,638$15,201,161$13,460,776$20,727,743
43$24,950,868$15,876,375$13,842,069$22,378,616
44$27,424,019$16,582,480$14,233,941$24,180,569
45$30,147,170$17,320,922$14,636,679$26,148,328
46$33,145,748$18,093,214$15,050,574$28,298,092
47$36,447,772$18,900,940$15,475,927$30,647,680
48$40,084,120$19,745,761$15,913,046$33,216,700
49$44,088,814$20,629,417$16,362,246$36,026,726
50$48,499,344$21,553,729$16,823,852$39,101,500
51$53,357,023$22,520,607$17,298,197$42,467,148
52$58,707,373$23,532,051$17,785,620$46,152,424
53$64,600,558$24,590,155$18,286,472$50,188,979
54$71,091,858$25,697,115$18,801,111$54,611,648
55$78,242,184$26,855,230$19,329,905$59,458,780
56$86,118,660$28,066,910$19,873,231$64,772,588
57$94,795,254$29,334,679$20,431,474$70,599,548
58$104,353,474$30,661,183$21,005,033$76,990,827
59$114,883,139$32,049,191$21,594,312$84,002,760
60$126,483,227$33,501,609$22,199,729$91,697,376
61$139,262,807$35,021,479$22,821,711$100,142,977
62$153,342,070$36,611,989$23,460,695$109,414,772
63$168,853,464$38,276,478$24,117,131$119,595,583
64$185,942,941$40,018,449$24,791,478$130,776,618
65$204,771,336$41,841,569$25,484,208$143,058,320
66$225,515,888$43,749,681$26,195,805$156,551,312
67$248,371,907$45,746,814$26,926,763$171,377,424
68$273,554,622$47,837,188$27,677,590$187,670,844
69$301,301,210$50,025,227$28,448,806$205,579,363
70$331,873,037$52,315,567$29,240,944$225,265,770
71$365,558,122$54,713,065$30,054,551$246,909,369
72$402,673,858$57,222,813$30,890,186$270,707,666
73$443,570,007$59,850,145$31,748,422$296,878,217
74$488,632,000$62,600,655$32,629,847$325,660,675
75$538,284,578$65,480,202$33,535,062$357,319,030
76$592,995,802$68,494,928$34,464,683$392,144,097
77$653,281,465$71,651,271$35,419,341$430,456,238
78$719,709,969$74,955,978$36,399,684$472,608,380
79$792,907,685$78,416,120$37,406,372$518,989,322
80$873,564,868$82,039,109$38,440,085$570,027,395
81$962,442,172$85,832,713$39,501,515$626,194,485
82$1,060,377,833$89,805,075$40,591,375$688,010,472
83$1,168,295,577$93,964,729$41,710,392$756,048,116
84$1,287,213,347$98,320,622$42,859,310$830,938,447
85$1,418,252,905$102,882,129$44,038,894$913,376,697
86$1,562,650,427$107,659,079$45,249,923$1,004,128,848
87$1,721,768,173$112,661,776$46,493,197$1,104,038,836
88$1,897,107,341$117,901,017$47,769,534$1,214,036,493
89$2,090,322,247$123,388,125$49,079,771$1,335,146,304
90$2,303,235,937$129,134,964$50,424,764$1,468,497,052
91$2,537,857,400$135,153,974$51,805,391$1,615,332,443
92$2,796,400,531$141,458,195$53,222,547$1,777,022,824
93$3,081,305,033$148,061,295$54,677,151$1,955,078,085
94$3,395,259,453$154,977,604$56,170,141$2,151,161,887
95$3,741,226,554$162,222,143$57,702,478$2,367,107,331
96$4,122,471,294$169,810,660$59,275,143$2,604,934,231
97$4,542,591,646$177,759,663$60,889,140$2,866,868,145
98$5,005,552,565$186,086,457$62,545,497$3,155,361,352
99$5,515,723,420$194,809,187$64,245,265$3,473,115,960
100$6,077,919,243$203,946,871$65,989,516$3,823,109,376