Can I retire at age 35 with 8,100,000?

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 $8,100,000?

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$668,890$662,932$657,119$651,446$645,905$636,779
2 years$331,134$324,967$318,990$313,195$307,574$298,397
3 years$218,563$212,369$206,408$200,667$195,138$186,195
4 years$162,289$156,114$150,212$144,569$139,174$130,535
5 years$128,533$122,395$116,571$111,043$105,798$97,487
6 years$106,036$99,945$94,206$88,802$83,714$75,742
7 years$89,974$83,934$78,286$73,009$68,082$60,451
8 years$77,932$71,947$66,393$61,245$56,481$49,190
9 years$68,572$62,642$57,184$52,168$47,565$40,611
10 years$61,087$55,216$49,854$44,969$40,528$33,905
11 years$54,968$49,156$43,891$39,136$34,855$28,558
12 years$49,872$44,120$38,952$34,328$30,205$24,225
13 years$45,564$39,871$34,801$30,306$26,339$20,669
14 years$41,874$36,242$31,269$26,903$23,089$17,720
15 years$38,679$33,108$28,232$23,992$20,329$15,252
16 years$35,886$30,376$25,596$21,483$17,967$13,171
17 years$33,424$27,975$23,291$19,302$15,931$11,407
18 years$31,239$25,850$21,262$17,395$14,165$9,902
19 years$29,285$23,957$19,464$15,718$12,625$8,614
20 years$27,529$22,262$17,863$14,236$11,277$7,507
21 years$25,943$20,737$16,431$12,920$10,092$6,552
22 years$24,502$19,357$15,144$11,747$9,046$5,725
23 years$23,189$18,104$13,983$10,698$8,120$5,009
24 years$21,987$16,962$12,931$9,757$7,299$4,387
25 years$20,883$15,918$11,977$8,911$6,568$3,845
26 years$19,866$14,961$11,108$8,148$5,916$3,373
27 years$18,925$14,080$10,315$7,458$5,334$2,960
28 years$18,053$13,267$9,589$6,833$4,813$2,600
29 years$17,243$12,516$8,923$6,266$4,346$2,284
30 years$16,488$11,820$8,312$5,751$3,927$2,008
31 years$15,783$11,174$7,749$5,281$3,550$1,766
32 years$15,124$10,573$7,230$4,854$3,211$1,554
33 years$14,506$10,013$6,751$4,463$2,906$1,367
34 years$13,925$9,490$6,307$4,107$2,631$1,203
35 years$13,379$9,001$5,897$3,781$2,383$1,059
36 years$12,865$8,543$5,516$3,482$2,159$933
37 years$12,379$8,114$5,163$3,208$1,957$821
38 years$11,920$7,711$4,835$2,957$1,774$724
39 years$11,486$7,333$4,530$2,726$1,609$637
40 years$11,074$6,976$4,246$2,515$1,459$562
41 years$10,683$6,641$3,981$2,320$1,324$495
42 years$10,312$6,325$3,735$2,141$1,201$436
43 years$9,960$6,026$3,504$1,977$1,090$384
44 years$9,624$5,744$3,290$1,825$990$339
45 years$9,304$5,477$3,089$1,685$898$299
46 years$8,999$5,225$2,901$1,557$816$263
47 years$8,708$4,987$2,726$1,438$741$232
48 years$8,429$4,760$2,561$1,329$673$205
49 years$8,163$4,546$2,407$1,228$611$180
50 years$7,908$4,342$2,263$1,135$555$159

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,100,000, adding $2,213 every year, while hoping to spend $31,794 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: 74/10/16 Blend
34$8,100,000$8,100,000$8,100,000$8,100,000
35$8,928,483$8,499,183$8,373,633$9,557,032
36$9,805,359$8,881,814$8,620,321$10,356,133
37$10,770,612$9,282,129$8,874,207$11,227,345
38$11,833,221$9,700,960$9,135,500$12,181,118
39$13,003,082$10,139,180$9,404,412$13,225,650
40$14,291,100$10,597,703$9,681,163$14,369,966
41$15,709,289$11,077,487$9,965,979$15,624,001
42$17,270,890$11,579,537$10,259,092$16,998,696
43$18,990,489$12,104,903$10,560,741$18,506,097
44$20,884,165$12,654,689$10,871,171$20,159,469
45$22,969,629$13,230,048$11,190,635$21,973,423
46$25,266,402$13,832,191$11,519,392$23,964,044
47$27,795,992$14,462,386$11,857,709$26,149,051
48$30,582,103$15,121,962$12,205,861$28,547,956
49$33,650,850$15,812,311$12,564,131$31,182,252
50$37,031,015$16,534,892$12,932,807$34,075,608
51$40,754,311$17,291,235$13,312,189$37,254,098
52$44,855,687$18,082,942$13,702,584$40,746,440
53$49,373,653$18,911,692$14,104,306$44,584,265
54$54,350,647$19,779,246$14,517,681$48,802,421
55$59,833,431$20,687,447$14,943,042$53,439,289
56$65,873,538$21,638,229$15,380,731$58,537,154
57$72,527,755$22,633,619$15,831,102$64,142,594
58$79,858,658$23,675,738$16,294,516$70,306,923
59$87,935,205$24,766,813$16,771,346$77,086,669
60$96,833,386$25,909,176$17,261,975$84,544,108
61$106,636,937$27,105,272$17,766,798$92,747,848
62$117,438,137$28,357,663$18,286,218$101,773,476
63$129,338,673$29,669,034$18,820,652$111,704,267
64$142,450,601$31,042,201$19,370,527$122,631,966
65$156,897,407$32,480,113$19,936,285$134,657,655
66$172,815,168$33,985,864$20,518,375$147,892,703
67$190,353,838$35,562,694$21,117,264$162,459,811
68$209,678,665$37,214,002$21,733,428$178,494,172
69$230,971,751$38,943,349$22,367,359$196,144,739
70$254,433,765$40,754,469$23,019,562$215,575,631
71$280,285,846$42,651,276$23,690,554$236,967,679
72$308,771,685$44,637,870$24,380,870$260,520,125
73$340,159,824$46,718,553$25,091,056$286,452,504
74$374,746,196$48,897,833$25,821,677$315,006,709
75$412,856,916$51,180,434$26,573,311$346,449,270
76$454,851,357$53,571,311$27,346,553$381,073,870
77$501,125,547$56,075,657$28,142,014$419,204,105
78$552,115,904$58,698,915$28,960,322$461,196,543
79$608,303,357$61,446,793$29,802,124$507,444,076
80$670,217,887$64,325,273$30,668,082$558,379,630
81$738,443,527$67,340,628$31,558,879$614,480,246
82$813,623,881$70,499,432$32,475,216$676,271,574
83$896,468,193$73,808,580$33,417,811$744,332,831
84$987,758,047$77,275,299$34,387,406$819,302,265
85$1,088,354,744$80,907,165$35,384,761$901,883,169
86$1,199,207,433$84,712,122$36,410,656$992,850,520
87$1,321,362,073$88,698,497$37,465,894$1,093,058,282
88$1,455,971,304$92,875,023$38,551,301$1,203,447,462
89$1,604,305,330$97,250,853$39,667,723$1,325,054,988
90$1,767,763,914$101,835,584$40,816,032$1,459,023,489
91$1,947,889,585$106,639,280$41,997,121$1,606,612,072
92$2,146,382,208$111,672,490$43,211,910$1,769,208,200
93$2,365,115,027$116,946,276$44,461,342$1,948,340,785
94$2,606,152,351$122,472,234$45,746,389$2,145,694,605
95$2,871,769,043$128,262,526$47,068,045$2,363,126,209
96$3,164,471,997$134,329,901$48,427,336$2,602,681,422
97$3,487,023,800$140,687,726$49,825,311$2,866,614,659
98$3,842,468,821$147,350,018$51,263,053$3,157,410,190
99$4,234,161,945$154,331,473$52,741,669$3,477,805,582
100$4,665,800,248$161,647,500$54,262,300$3,830,817,533