Can I retire at age 35 with 8,600,000?

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 $8,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$710,180$703,854$697,682$691,658$685,776$667,303
2 years$351,574$345,026$338,681$332,528$326,560$308,081
3 years$232,055$225,479$219,149$213,054$207,183$189,276
4 years$172,307$165,751$159,484$153,493$147,765$130,567
5 years$136,467$129,951$123,766$117,898$112,328$95,888
6 years$112,582$106,114$100,022$94,284$88,882$73,214
7 years$95,528$89,115$83,118$77,516$72,285$57,391
8 years$82,743$76,388$70,491$65,026$59,967$45,839
9 years$72,804$66,509$60,714$55,388$50,501$37,126
10 years$64,858$58,625$52,932$47,745$43,029$30,390
11 years$58,361$52,190$46,600$41,552$37,007$25,084
12 years$52,951$46,843$41,357$36,447$32,069$20,841
13 years$48,376$42,332$36,949$32,177$27,965$17,408
14 years$44,459$38,479$33,199$28,563$24,514$14,603
15 years$41,066$35,151$29,974$25,473$21,584$12,293
16 years$38,101$32,251$27,176$22,809$19,076$10,379
17 years$35,488$29,702$24,729$20,493$16,914$8,784
18 years$33,167$27,446$22,575$18,469$15,039$7,449
19 years$31,093$25,436$20,666$16,688$13,405$6,328
20 years$29,229$23,637$18,966$15,114$11,973$5,384
21 years$27,544$22,017$17,445$13,717$10,715$4,585
22 years$26,015$20,552$16,078$12,472$9,604$3,910
23 years$24,621$19,222$14,846$11,359$8,621$3,336
24 years$23,344$18,009$13,730$10,360$7,749$2,849
25 years$22,172$16,901$12,716$9,461$6,973$2,434
26 years$21,092$15,884$11,794$8,651$6,281$2,081
27 years$20,093$14,949$10,952$7,918$5,663$1,780
28 years$19,168$14,086$10,181$7,255$5,110$1,523
29 years$18,307$13,289$9,474$6,653$4,614$1,304
30 years$17,506$12,550$8,825$6,106$4,169$1,116
31 years$16,758$11,864$8,227$5,607$3,769$956
32 years$16,058$11,225$7,676$5,153$3,409$819
33 years$15,401$10,631$7,167$4,739$3,086$702
34 years$14,785$10,076$6,697$4,360$2,794$601
35 years$14,205$9,556$6,261$4,014$2,530$515
36 years$13,659$9,070$5,857$3,697$2,293$442
37 years$13,143$8,615$5,482$3,406$2,078$379
38 years$12,656$8,187$5,134$3,139$1,884$324
39 years$12,195$7,785$4,810$2,895$1,708$278
40 years$11,758$7,407$4,508$2,670$1,549$238
41 years$11,343$7,051$4,227$2,463$1,406$204
42 years$10,949$6,715$3,965$2,273$1,276$175
43 years$10,575$6,398$3,721$2,099$1,158$150
44 years$10,218$6,099$3,493$1,938$1,051$129
45 years$9,878$5,816$3,279$1,790$954$111
46 years$9,554$5,548$3,080$1,653$866$95
47 years$9,245$5,294$2,894$1,527$786$81
48 years$8,950$5,054$2,719$1,411$714$70
49 years$8,667$4,826$2,556$1,304$649$60
50 years$8,397$4,610$2,403$1,205$589$51

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $8,600,000, adding $5,219 every year, while hoping to spend $29,931 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: 54/31/15 Blend
34$8,600,000$8,600,000$8,600,000$8,600,000
35$9,482,583$9,026,783$8,893,483$9,956,622
36$10,417,961$9,437,249$9,159,569$10,690,779
37$11,447,743$9,866,825$9,433,565$11,485,828
38$12,581,529$10,316,415$9,715,705$12,350,540
39$13,829,893$10,786,968$10,006,229$13,291,554
40$15,204,489$11,279,477$10,305,386$14,316,168
41$16,718,159$11,794,983$10,613,428$15,432,399
42$18,385,051$12,334,577$10,930,618$16,649,065
43$20,220,759$12,899,404$11,257,225$17,975,857
44$22,242,462$13,490,660$11,593,528$19,423,432
45$24,469,093$14,109,602$11,939,811$21,003,508
46$26,921,514$14,757,547$12,296,369$22,728,975
47$29,622,714$15,435,872$12,663,503$24,614,008
48$32,598,026$16,146,025$13,041,525$26,674,201
49$35,875,364$16,889,519$13,430,756$28,926,706
50$39,485,489$17,667,944$13,831,524$31,390,397
51$43,462,298$18,482,963$14,244,169$34,086,040
52$47,843,145$19,336,320$14,669,041$37,036,483
53$52,669,190$20,229,844$15,106,498$40,266,872
54$57,985,792$21,165,451$15,556,911$43,804,879
55$63,842,935$22,145,150$16,020,659$47,680,960
56$70,295,697$23,171,046$16,498,134$51,928,638
57$77,404,776$24,245,345$16,989,740$56,584,812
58$85,237,058$25,370,361$17,495,890$61,690,100
59$93,866,247$26,548,517$18,017,012$67,289,219
60$103,373,566$27,782,357$18,553,543$73,431,397
61$113,848,520$29,074,542$19,105,937$80,170,832
62$125,389,741$30,427,867$19,674,658$87,567,200
63$138,105,919$31,845,258$20,260,185$95,686,205
64$152,116,831$33,329,783$20,863,008$104,600,198
65$167,554,465$34,884,659$21,483,636$114,388,848
66$184,564,271$36,513,259$22,122,589$125,139,887
67$203,306,534$38,219,116$22,780,403$136,949,930
68$223,957,885$40,005,936$23,457,631$149,925,377
69$246,712,966$41,877,605$24,154,839$164,183,407
70$271,786,275$43,838,193$24,872,612$179,853,078
71$299,414,181$45,891,971$25,611,550$197,076,531
72$329,857,163$48,043,414$26,372,273$216,010,324
73$363,402,266$50,297,213$27,155,417$236,826,894
74$400,365,809$52,658,288$27,961,635$259,716,179
75$441,096,374$55,131,796$28,791,602$284,887,395
76$485,978,093$57,723,144$29,646,010$312,570,996
77$535,434,280$60,437,999$30,525,572$343,020,843
78$589,931,420$63,282,304$31,431,022$376,516,577
79$649,983,577$66,262,290$32,363,114$413,366,252
80$716,157,248$69,384,488$33,322,625$453,909,223
81$789,076,707$72,655,747$34,310,352$498,519,333
82$869,429,900$76,083,248$35,327,118$547,608,429
83$957,974,941$79,674,519$36,373,768$601,630,229
84$1,055,547,267$83,437,452$37,451,171$661,084,586
85$1,163,067,525$87,380,324$38,560,222$726,522,189
86$1,281,550,264$91,511,811$39,701,840$798,549,740
87$1,412,113,513$95,841,012$40,876,974$877,835,662
88$1,555,989,334$100,377,464$42,086,596$965,116,384
89$1,714,535,457$105,131,171$43,331,707$1,061,203,271
90$1,889,248,093$110,112,618$44,613,339$1,166,990,259
91$2,081,776,064$115,332,802$45,932,552$1,283,462,270
92$2,293,936,365$120,803,251$47,290,434$1,411,704,479
93$2,527,731,320$126,536,056$48,688,109$1,552,912,535
94$2,785,367,484$132,543,892$50,126,730$1,708,403,816
95$3,069,276,474$138,840,050$51,607,483$1,879,629,836
96$3,382,137,929$145,438,467$53,131,588$2,068,189,915
97$3,726,904,804$152,353,757$54,700,302$2,275,846,245
98$4,106,831,246$159,601,244$56,314,915$2,504,540,489
99$4,525,503,324$167,196,996$57,976,755$2,756,412,075
100$4,986,872,875$175,157,861$59,687,189$3,033,818,354