Can I retire at age 35 with 10,900,000?

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 $10,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$900,112$892,094$884,272$876,637$869,181$850,242
2 years$445,600$437,301$429,258$421,460$413,896$394,910
3 years$294,116$285,781$277,758$270,033$262,593$244,153
4 years$218,389$210,079$202,137$194,544$187,283$169,532
5 years$172,964$164,705$156,867$149,428$142,370$125,357
6 years$142,691$134,494$126,772$119,499$112,652$96,396
7 years$121,076$112,948$105,348$98,247$91,616$76,120
8 years$104,872$96,817$89,343$82,417$76,005$61,262
9 years$92,275$84,297$76,951$70,201$64,007$50,008
10 years$82,204$74,303$67,088$60,514$54,537$41,267
11 years$73,969$66,148$59,063$52,665$46,904$34,345
12 years$67,112$59,371$52,417$46,194$40,646$28,779
13 years$61,314$53,654$46,831$40,783$35,444$24,249
14 years$56,349$48,770$42,078$36,202$31,070$20,523
15 years$52,049$44,552$37,991$32,286$27,356$17,435
16 years$48,291$40,876$34,444$28,909$24,178$14,857
17 years$44,978$37,645$31,343$25,974$21,438$12,693
18 years$42,037$34,786$28,612$23,408$19,061$10,868
19 years$39,408$32,239$26,193$21,151$16,990$9,323
20 years$37,046$29,958$24,039$19,156$15,176$8,009
21 years$34,911$27,905$22,111$17,386$13,580$6,890
22 years$32,972$26,048$20,379$15,808$12,173$5,934
23 years$31,205$24,362$18,816$14,396$10,927$5,116
24 years$29,588$22,826$17,402$13,130$9,822$4,414
25 years$28,102$21,421$16,117$11,991$8,838$3,811
26 years$26,733$20,132$14,948$10,964$7,961$3,293
27 years$25,467$18,947$13,881$10,036$7,177$2,846
28 years$24,294$17,853$12,904$9,195$6,476$2,461
29 years$23,203$16,843$12,008$8,432$5,848$2,129
30 years$22,188$15,906$11,185$7,738$5,284$1,843
31 years$21,239$15,037$10,428$7,107$4,777$1,595
32 years$20,352$14,228$9,729$6,532$4,321$1,381
33 years$19,520$13,474$9,084$6,006$3,911$1,196
34 years$18,739$12,770$8,488$5,526$3,541$1,036
35 years$18,004$12,112$7,935$5,087$3,207$898
36 years$17,312$11,496$7,423$4,685$2,906$778
37 years$16,658$10,919$6,948$4,317$2,634$674
38 years$16,041$10,377$6,507$3,979$2,388$584
39 years$15,456$9,867$6,096$3,669$2,165$506
40 years$14,902$9,388$5,714$3,384$1,964$439
41 years$14,376$8,936$5,358$3,122$1,782$381
42 years$13,877$8,511$5,026$2,881$1,617$330
43 years$13,403$8,109$4,716$2,660$1,467$286
44 years$12,951$7,730$4,427$2,456$1,332$248
45 years$12,520$7,371$4,157$2,268$1,209$215
46 years$12,110$7,032$3,904$2,095$1,098$187
47 years$11,718$6,710$3,668$1,936$997$162
48 years$11,343$6,406$3,447$1,789$905$140
49 years$10,985$6,117$3,240$1,653$822$122
50 years$10,642$5,843$3,046$1,528$747$105

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $10,900,000, adding $5,671 every year, while hoping to spend $36,901 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: 37/36/27 Blend
34$10,900,000$10,900,000$10,900,000$10,900,000
35$12,017,650$11,439,950$11,271,000$12,364,998
36$13,204,188$11,961,245$11,609,316$13,142,971
37$14,510,516$12,506,847$11,957,729$13,978,957
38$15,948,813$13,077,907$12,316,538$14,881,270
39$17,532,501$13,675,634$12,686,051$15,855,924
40$19,276,368$14,301,292$13,066,586$16,909,515
41$21,196,710$14,956,207$13,458,468$18,049,280
42$23,311,482$15,641,769$13,862,034$19,283,159
43$25,640,471$16,359,433$14,277,630$20,619,866
44$28,205,480$17,110,726$14,705,612$22,068,966
45$31,030,535$17,897,248$15,146,346$23,640,963
46$34,142,111$18,720,675$15,600,210$25,347,389
47$37,569,381$19,582,762$16,067,591$27,200,913
48$41,344,492$20,485,353$16,548,891$29,215,447
49$45,502,871$21,430,376$17,044,519$31,406,281
50$50,083,554$22,419,854$17,554,901$33,790,214
51$55,129,557$23,455,907$18,080,470$36,385,707
52$60,688,283$24,540,758$18,621,677$39,213,053
53$66,811,968$25,676,735$19,178,983$42,294,559
54$73,558,173$26,866,279$19,752,864$45,654,750
55$80,990,330$28,111,950$20,343,808$49,320,591
56$89,178,337$29,416,429$20,952,319$53,321,739
57$98,199,221$30,782,528$21,578,915$57,690,804
58$108,137,863$32,213,194$22,224,131$62,463,660
59$119,087,800$33,711,515$22,888,514$67,679,763
60$131,152,107$35,280,730$23,572,630$73,382,524
61$144,444,369$36,924,233$24,277,060$79,619,699
62$159,089,757$38,645,583$25,002,404$86,443,836
63$175,226,204$40,448,508$25,749,276$93,912,758
64$193,005,711$42,336,920$26,518,312$102,090,093
65$212,595,781$44,314,916$27,310,163$111,045,871
66$234,180,998$46,386,794$28,125,500$120,857,163
67$257,964,771$48,557,058$28,965,016$131,608,802
68$284,171,254$50,830,431$29,829,420$143,394,166
69$313,047,462$53,211,862$30,719,446$156,316,046
70$344,865,601$55,706,541$31,635,846$170,487,604
71$379,925,641$58,319,910$32,579,395$186,033,418
72$418,558,142$61,057,672$33,550,891$203,090,650
73$461,127,382$63,925,807$34,551,154$221,810,316
74$508,034,788$66,930,584$35,581,031$242,358,699
75$559,722,730$70,078,576$36,641,389$264,918,894
76$616,678,696$73,376,675$37,733,124$289,692,524
77$679,439,895$76,832,104$38,857,155$316,901,615
78$748,598,325$80,452,438$40,014,431$346,790,672
79$824,806,366$84,245,618$41,205,926$379,628,969
80$908,782,933$88,219,972$42,432,642$415,713,061
81$1,001,320,269$92,384,228$43,695,613$455,369,561
82$1,103,291,420$96,747,538$44,995,899$498,958,199
83$1,215,658,478$101,319,500$46,334,595$546,875,187
84$1,339,481,663$106,110,176$47,712,824$599,556,934
85$1,475,929,332$111,130,114$49,131,743$657,484,131
86$1,626,289,010$116,390,376$50,592,543$721,186,265
87$1,791,979,545$121,902,560$52,096,448$791,246,577
88$1,974,564,499$127,678,826$53,644,720$868,307,540
89$2,175,766,914$133,731,925$55,238,654$953,076,885
90$2,397,485,576$140,075,226$56,879,586$1,046,334,242
91$2,641,812,940$146,722,747$58,568,887$1,148,938,468
92$2,911,054,886$153,689,188$60,307,972$1,261,835,707
93$3,207,752,487$160,989,961$62,098,291$1,386,068,283
94$3,534,705,999$168,641,227$63,941,342$1,522,784,493
95$3,895,001,295$176,659,932$65,838,661$1,673,249,400
96$4,292,039,004$185,063,844$67,791,832$1,838,856,728
97$4,729,566,607$193,871,597$69,802,484$2,021,141,967
98$5,211,713,823$203,102,729$71,872,290$2,221,796,815
99$5,743,031,596$212,777,725$74,002,974$2,442,685,091
100$6,328,535,055$222,918,069$76,196,310$2,685,860,273