Can I retire at age 35 with 10,800,000?

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 $10,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$891,854$883,910$876,159$868,594$861,207$835,312
2 years$441,512$433,289$425,320$417,593$410,099$384,228
3 years$291,417$283,159$275,210$267,556$260,183$235,149
4 years$216,385$208,152$200,283$192,759$185,565$161,558
5 years$171,377$163,194$155,427$148,057$141,064$118,149
6 years$141,382$133,260$125,608$118,403$111,619$89,817
7 years$119,965$111,911$104,381$97,345$90,776$70,086
8 years$103,910$95,929$88,524$81,661$75,307$55,716
9 years$91,429$83,523$76,245$69,557$63,420$44,907
10 years$81,450$73,622$66,472$59,959$54,037$36,576
11 years$73,291$65,541$58,521$52,182$46,473$30,035
12 years$66,496$58,826$51,936$45,771$40,273$24,823
13 years$60,752$53,162$46,401$40,409$35,119$20,622
14 years$55,832$48,322$41,692$35,870$30,785$17,204
15 years$51,572$44,143$37,642$31,990$27,105$14,402
16 years$47,848$40,501$34,128$28,644$23,956$12,090
17 years$44,566$37,300$31,055$25,736$21,241$10,172
18 years$41,651$34,467$28,349$23,193$18,886$8,576
19 years$39,047$31,943$25,953$20,957$16,834$7,241
20 years$36,706$29,683$23,818$18,981$15,036$6,123
21 years$34,590$27,649$21,908$17,226$13,456$5,183
22 years$32,670$25,809$20,192$15,663$12,061$4,392
23 years$30,919$24,139$18,643$14,264$10,827$3,724
24 years$29,316$22,616$17,242$13,010$9,731$3,160
25 years$27,844$21,224$15,970$11,881$8,757$2,683
26 years$26,487$19,948$14,811$10,864$7,888$2,279
27 years$25,233$18,773$13,753$9,944$7,112$1,937
28 years$24,071$17,690$12,785$9,111$6,417$1,647
29 years$22,991$16,688$11,898$8,355$5,794$1,400
30 years$21,984$15,760$11,082$7,667$5,235$1,191
31 years$21,044$14,899$10,332$7,042$4,733$1,013
32 years$20,165$14,097$9,640$6,472$4,282$862
33 years$19,341$13,350$9,001$5,951$3,875$734
34 years$18,567$12,653$8,410$5,476$3,508$625
35 years$17,839$12,001$7,863$5,041$3,178$532
36 years$17,153$11,391$7,355$4,642$2,879$453
37 years$16,505$10,819$6,884$4,277$2,609$385
38 years$15,893$10,282$6,447$3,942$2,366$328
39 years$15,314$9,777$6,040$3,635$2,145$279
40 years$14,765$9,302$5,661$3,353$1,946$238
41 years$14,245$8,854$5,309$3,093$1,765$203
42 years$13,750$8,433$4,980$2,855$1,602$173
43 years$13,280$8,035$4,673$2,635$1,454$147
44 years$12,832$7,659$4,386$2,433$1,320$125
45 years$12,405$7,303$4,118$2,247$1,198$107
46 years$11,998$6,967$3,868$2,076$1,088$91
47 years$11,610$6,649$3,634$1,918$988$77
48 years$11,239$6,347$3,415$1,772$897$66
49 years$10,884$6,061$3,210$1,638$815$56
50 years$10,545$5,790$3,018$1,514$740$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,800,000, adding $3,381 every year, while hoping to spend $44,611 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: 61/13/26 Blend
34$10,800,000$10,800,000$10,800,000$10,800,000
35$11,905,088$11,332,688$11,165,288$12,548,231
36$13,071,941$11,840,523$11,491,859$13,493,559
37$14,356,318$12,371,748$11,827,875$14,519,792
38$15,770,159$12,927,461$12,173,606$15,639,008
39$17,326,621$13,508,812$12,529,328$16,860,280
40$19,040,201$14,117,009$12,895,325$18,193,597
41$20,926,874$14,753,315$13,271,891$19,649,947
42$23,004,242$15,419,053$13,659,325$21,241,425
43$25,291,700$16,115,612$14,057,938$22,981,340
44$27,810,621$16,844,445$14,468,047$24,884,344
45$30,584,556$17,607,074$14,889,978$26,966,563
46$33,639,455$18,405,096$15,324,067$29,245,751
47$37,003,916$19,240,182$15,770,659$31,741,451
48$40,709,448$20,114,084$16,230,109$34,475,179
49$44,790,776$21,028,637$16,702,782$37,470,626
50$49,286,161$21,985,767$17,189,051$40,753,876
51$54,237,767$22,987,487$17,689,302$44,353,650
52$59,692,056$24,035,911$18,203,931$48,301,576
53$65,700,227$25,133,252$18,733,344$52,632,482
54$72,318,699$26,281,829$19,277,959$57,384,721
55$79,609,641$27,484,074$19,838,206$62,600,534
56$87,641,564$28,742,534$20,414,525$68,326,441
57$96,489,963$30,059,877$21,007,371$74,613,677
58$106,238,031$31,438,903$21,617,210$81,518,672
59$116,977,444$32,882,543$22,244,520$89,103,583
60$128,809,226$34,393,870$22,889,794$97,436,870
61$141,844,702$35,976,105$23,553,537$106,593,945
62$156,206,550$37,632,622$24,236,269$116,657,873
63$172,029,958$39,366,960$24,938,524$127,720,158
64$189,463,899$41,182,827$25,660,850$139,881,595
65$208,672,539$43,084,107$26,403,810$153,253,221
66$229,836,784$45,074,876$27,167,985$167,957,357
67$253,155,992$47,159,400$27,953,968$184,128,756
68$278,849,849$49,342,156$28,762,371$201,915,870
69$307,160,445$51,627,833$29,593,822$221,482,248
70$338,354,561$54,021,348$30,448,966$243,008,068
71$372,726,185$56,527,853$31,328,465$266,691,835
72$410,599,287$59,152,749$32,233,001$292,752,249
73$452,330,880$61,901,699$33,163,271$321,430,260
74$498,314,384$64,780,637$34,119,996$352,991,338
75$548,983,348$67,795,785$35,103,912$387,727,968
76$604,815,534$70,953,663$36,115,777$425,962,406
77$666,337,433$74,261,107$37,156,371$468,049,711
78$734,129,234$77,725,283$38,226,492$514,381,089
79$808,830,297$81,353,704$39,326,961$565,387,578
80$891,145,196$85,154,244$40,458,622$621,544,106
81$981,850,362$89,135,158$41,622,342$683,373,965
82$1,081,801,417$93,305,099$42,819,009$751,453,742
83$1,191,941,254$97,673,141$44,049,538$826,418,749
84$1,313,308,931$102,248,794$45,314,866$908,969,014
85$1,447,049,485$107,042,028$46,615,958$999,875,871
86$1,594,424,742$112,063,297$47,953,802$1,099,989,237
87$1,756,825,225$117,323,558$49,329,414$1,210,245,617
88$1,935,783,287$122,834,301$50,743,838$1,331,676,937
89$2,132,987,570$128,607,570$52,198,144$1,465,420,268
90$2,350,298,953$134,655,992$53,693,433$1,612,728,546
91$2,589,768,117$140,992,806$55,230,834$1,774,982,391
92$2,853,654,904$147,631,892$56,811,506$1,953,703,117
93$3,144,449,651$154,587,803$58,436,639$2,150,567,086
94$3,464,896,705$161,875,794$60,107,455$2,367,421,510
95$3,818,020,323$169,511,862$61,825,209$2,606,301,875
96$4,207,153,231$177,512,779$63,591,189$2,869,451,140
97$4,635,968,083$185,896,127$65,406,716$3,159,340,891
98$5,108,512,135$194,680,345$67,273,148$3,478,694,652
99$5,629,245,452$203,884,761$69,191,878$3,830,513,582
100$6,203,083,017$213,529,643$71,164,335$4,218,104,777