Can I retire at age 35 with 7,700,000?

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 $7,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$635,859$630,195$624,669$619,275$614,009$601,366
2 years$314,782$308,919$303,237$297,729$292,385$279,705
3 years$207,770$201,882$196,215$190,758$185,501$173,179
4 years$154,274$148,405$142,794$137,430$132,301$120,433
5 years$122,186$116,351$110,814$105,559$100,573$89,192
6 years$100,800$95,009$89,554$84,417$79,580$68,698
7 years$85,531$79,789$74,420$69,404$64,720$54,340
8 years$74,084$68,394$63,114$58,221$53,691$43,810
9 years$65,185$59,549$54,360$49,591$45,216$35,826
10 years$58,071$52,490$47,392$42,748$38,526$29,619
11 years$52,254$46,728$41,723$37,204$33,134$24,697
12 years$47,409$41,941$37,029$32,633$28,713$20,736
13 years$43,314$37,902$33,083$28,810$25,038$17,506
14 years$39,806$34,452$29,725$25,574$21,948$14,847
15 years$36,769$31,473$26,838$22,808$19,325$12,639
16 years$34,114$28,876$24,332$20,422$17,080$10,793
17 years$31,774$26,593$22,141$18,349$15,144$9,241
18 years$29,696$24,573$20,212$16,536$13,465$7,930
19 years$27,839$22,774$18,503$14,942$12,002$6,817
20 years$26,170$21,163$16,981$13,533$10,720$5,870
21 years$24,662$19,713$15,620$12,282$9,594$5,062
22 years$23,292$18,401$14,396$11,167$8,599$4,369
23 years$22,044$17,210$13,292$10,170$7,719$3,776
24 years$20,901$16,125$12,293$9,275$6,938$3,265
25 years$19,852$15,132$11,386$8,471$6,243$2,826
26 years$18,885$14,222$10,560$7,745$5,624$2,447
27 years$17,990$13,384$9,806$7,090$5,070$2,121
28 years$17,162$12,612$9,116$6,496$4,575$1,838
29 years$16,391$11,898$8,483$5,957$4,131$1,594
30 years$15,674$11,236$7,901$5,467$3,733$1,383
31 years$15,004$10,622$7,366$5,021$3,375$1,200
32 years$14,377$10,051$6,873$4,614$3,053$1,042
33 years$13,790$9,518$6,417$4,243$2,763$905
34 years$13,238$9,021$5,996$3,904$2,501$786
35 years$12,719$8,556$5,606$3,594$2,266$682
36 years$12,229$8,121$5,244$3,310$2,053$593
37 years$11,768$7,713$4,908$3,050$1,860$515
38 years$11,331$7,330$4,596$2,811$1,687$448
39 years$10,918$6,970$4,306$2,592$1,529$389
40 years$10,527$6,632$4,036$2,391$1,387$338
41 years$10,156$6,313$3,785$2,206$1,259$294
42 years$9,803$6,012$3,550$2,035$1,142$255
43 years$9,468$5,728$3,331$1,879$1,036$222
44 years$9,149$5,460$3,127$1,735$941$193
45 years$8,845$5,207$2,936$1,602$854$168
46 years$8,554$4,967$2,758$1,480$775$146
47 years$8,278$4,740$2,591$1,367$704$127
48 years$8,013$4,525$2,435$1,263$639$110
49 years$7,760$4,321$2,289$1,168$581$96
50 years$7,518$4,128$2,152$1,079$528$83

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $7,700,000, adding $6,730 every year, while hoping to spend $52,156 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: 81/7/12 Blend
34$7,700,000$7,700,000$7,700,000$7,700,000
35$8,492,342$8,084,242$7,964,892$9,161,241
36$9,303,067$8,424,876$8,176,222$9,941,756
37$10,194,739$8,780,454$8,392,884$10,790,817
38$11,175,557$9,151,651$8,615,001$11,721,282
39$12,254,559$9,539,177$8,842,699$12,741,284
40$13,441,701$9,943,774$9,076,106$13,859,780
41$14,747,953$10,366,217$9,315,354$15,086,636
42$16,185,400$10,807,318$9,560,575$16,432,717
43$17,767,362$11,267,928$9,811,905$17,909,990
44$19,508,513$11,748,935$10,069,483$19,531,636
45$21,425,020$12,251,272$10,333,450$21,312,174
46$23,534,700$12,775,912$10,603,948$23,267,596
47$25,857,184$13,323,876$10,881,125$25,415,519
48$28,414,102$13,896,232$11,165,128$27,775,347
49$31,229,290$14,494,097$11,456,109$30,368,457
50$34,329,011$15,118,641$11,754,222$33,218,398
51$37,742,204$15,771,089$12,059,624$36,351,111
52$41,500,761$16,452,724$12,372,472$39,795,176
53$45,639,818$17,164,887$12,692,930$43,582,078
54$50,198,098$17,908,985$13,021,162$47,746,503
55$55,218,268$18,686,489$13,357,334$52,326,666
56$60,747,344$19,498,940$13,701,617$57,364,670
57$66,837,135$20,347,950$14,054,184$62,906,900
58$73,544,732$21,235,208$14,415,208$69,004,463
59$80,933,045$22,162,484$14,784,868$75,713,666
60$89,071,399$23,131,630$15,163,345$83,096,548
61$98,036,186$24,144,583$15,550,821$91,221,463
62$107,911,585$25,203,376$15,947,481$100,163,724
63$118,790,359$26,310,134$16,353,515$110,006,314
64$130,774,730$27,467,085$16,769,112$120,840,664
65$143,977,341$28,676,561$17,194,466$132,767,519
66$158,522,322$29,941,004$17,629,772$145,897,881
67$174,546,458$31,262,973$18,075,229$160,354,062
68$192,200,484$32,645,146$18,531,037$176,270,833
69$211,650,505$34,090,330$18,997,398$193,796,694
70$233,079,564$35,601,463$19,474,518$213,095,273
71$256,689,369$37,181,624$19,962,603$234,346,873
72$282,702,198$38,834,037$20,461,864$257,750,165
73$311,362,997$40,562,079$20,972,511$283,524,069
74$342,941,690$42,369,289$21,494,758$311,909,811
75$377,735,730$44,259,371$22,028,819$343,173,201
76$416,072,902$46,236,208$22,574,913$377,607,141
77$458,314,422$48,303,866$23,133,256$415,534,385
78$504,858,342$50,466,605$23,704,070$457,310,583
79$556,143,312$52,728,888$24,287,575$503,327,637
80$612,652,715$55,095,389$24,883,994$554,017,398
81$674,919,235$57,571,006$25,493,551$609,855,738
82$743,529,883$60,160,870$26,116,470$671,367,038
83$819,131,536$62,870,358$26,752,977$739,129,138
84$902,437,048$65,705,102$27,403,298$813,778,789
85$994,231,977$68,671,002$28,067,658$896,017,656
86$1,095,381,999$71,774,240$28,746,285$986,618,942
87$1,206,841,081$75,021,296$29,439,403$1,086,434,682
88$1,329,660,488$78,418,957$30,147,240$1,196,403,784
89$1,464,998,706$81,974,334$30,870,021$1,317,560,884
90$1,614,132,376$85,694,879$31,607,969$1,451,046,115
91$1,778,468,351$89,588,400$32,361,308$1,598,115,864
92$1,959,556,971$93,663,080$33,130,260$1,760,154,624
93$2,159,106,703$97,927,492$33,915,045$1,938,688,065
94$2,379,000,268$102,390,620$34,715,880$2,135,397,428
95$2,621,312,413$107,061,878$35,532,980$2,352,135,394
96$2,888,329,503$111,951,134$36,366,558$2,590,943,568
97$3,182,571,097$117,068,724$37,216,823$2,854,071,746
98$3,506,813,741$122,425,484$38,083,978$3,143,999,151
99$3,864,117,177$128,032,767$38,968,226$3,463,457,828
100$4,257,853,229$133,902,473$39,869,762$3,815,458,435