Can I retire at age 35 with 9,000,000?

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 $9,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$743,212$736,591$730,133$723,828$717,673$689,743
2 years$367,927$361,074$354,433$347,994$341,749$313,948
3 years$242,848$235,966$229,342$222,963$216,820$190,022
4 years$180,321$173,460$166,902$160,633$154,638$129,047
5 years$142,814$135,995$129,523$123,381$117,553$93,236
6 years$117,818$111,050$104,674$98,669$93,016$69,988
7 years$99,971$93,260$86,984$81,121$75,647$53,900
8 years$86,591$79,941$73,770$68,051$62,756$42,270
9 years$76,191$69,603$63,538$57,964$52,850$33,593
10 years$67,875$61,351$55,394$49,966$45,031$26,967
11 years$61,076$54,618$48,768$43,485$38,728$21,816
12 years$55,414$49,022$43,280$38,142$33,561$17,757
13 years$50,626$44,301$38,668$33,674$29,266$14,522
14 years$46,527$40,269$34,743$29,892$25,654$11,922
15 years$42,977$36,786$31,369$26,658$22,588$9,818
16 years$39,873$33,751$28,440$23,870$19,963$8,106
17 years$37,138$31,083$25,879$21,447$17,701$6,706
18 years$34,710$28,722$23,625$19,328$15,739$5,557
19 years$32,539$26,619$21,627$17,464$14,028$4,612
20 years$30,588$24,736$19,848$15,817$12,530$3,831
21 years$28,825$23,041$18,257$14,355$11,213$3,186
22 years$27,225$21,508$16,826$13,052$10,051$2,651
23 years$25,766$20,116$15,536$11,887$9,022$2,208
24 years$24,430$18,847$14,368$10,841$8,110$1,840
25 years$23,203$17,687$13,308$9,901$7,297$1,533
26 years$22,073$16,623$12,342$9,053$6,573$1,279
27 years$21,028$15,644$11,461$8,286$5,926$1,067
28 years$20,059$14,741$10,654$7,592$5,347$890
29 years$19,159$13,907$9,915$6,962$4,829$743
30 years$18,320$13,133$9,235$6,390$4,363$620
31 years$17,537$12,416$8,610$5,868$3,944$517
32 years$16,804$11,748$8,033$5,393$3,568$432
33 years$16,118$11,125$7,501$4,959$3,229$361
34 years$15,473$10,544$7,008$4,563$2,924$301
35 years$14,866$10,001$6,552$4,201$2,648$252
36 years$14,294$9,492$6,129$3,869$2,399$210
37 years$13,754$9,016$5,737$3,564$2,175$175
38 years$13,244$8,568$5,372$3,285$1,971$147
39 years$12,762$8,147$5,033$3,029$1,788$122
40 years$12,304$7,752$4,718$2,794$1,622$102
41 years$11,870$7,379$4,424$2,578$1,471$85
42 years$11,458$7,027$4,150$2,379$1,335$71
43 years$11,066$6,696$3,894$2,196$1,211$60
44 years$10,693$6,382$3,655$2,028$1,100$50
45 years$10,338$6,086$3,432$1,873$998$42
46 years$9,999$5,806$3,223$1,730$906$35
47 years$9,675$5,541$3,028$1,598$823$29
48 years$9,366$5,289$2,846$1,477$747$24
49 years$9,070$5,051$2,675$1,365$679$20
50 years$8,787$4,825$2,515$1,262$617$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,000,000, adding $4,998 every year, while hoping to spend $35,350 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: 84/11/5 Blend
34$9,000,000$9,000,000$9,000,000$9,000,000
35$9,923,155$9,446,155$9,306,655$10,756,102
36$10,897,705$9,871,405$9,580,816$11,725,426
37$11,970,474$10,316,307$9,862,977$12,784,495
38$13,151,444$10,781,787$10,153,367$13,946,525
39$14,451,611$11,268,815$10,452,226$15,221,823
40$15,883,096$11,778,407$10,759,795$16,621,736
41$17,459,250$12,311,628$11,076,327$18,158,760
42$19,194,789$12,869,593$11,402,079$19,846,659
43$21,105,926$13,453,471$11,737,317$21,700,589
44$23,210,526$14,064,487$12,082,314$23,737,245
45$25,528,278$14,703,925$12,437,349$25,975,013
46$28,080,873$15,373,128$12,802,712$28,434,145
47$30,892,218$16,073,508$13,178,698$31,136,947
48$33,988,654$16,806,539$13,565,614$34,107,988
49$37,399,207$17,573,770$13,963,773$37,374,334
50$41,155,864$18,376,822$14,373,496$40,965,797
51$45,293,870$19,217,394$14,795,117$44,915,217
52$49,852,067$20,097,269$15,228,975$49,258,772
53$54,873,253$21,018,310$15,675,421$54,036,313
54$60,404,593$21,982,476$16,134,816$59,291,745
55$66,498,060$22,991,815$16,607,530$65,073,432
56$73,210,924$24,048,476$17,093,945$71,434,658
57$80,606,297$25,154,711$17,594,451$78,434,123
58$88,753,726$26,312,878$18,109,452$86,136,500
59$97,729,849$27,525,452$18,639,361$94,613,036
60$107,619,118$28,795,024$19,184,604$103,942,231
61$118,514,599$30,124,311$19,745,619$114,210,568
62$130,518,846$31,516,160$20,322,856$125,513,332
63$143,744,873$32,973,556$20,916,776$137,955,506
64$158,317,217$34,499,628$21,527,855$151,652,759
65$174,373,118$36,097,654$22,156,582$166,732,532
66$192,063,807$37,771,070$22,803,459$183,335,242
67$211,555,943$39,523,480$23,469,003$201,615,604
68$233,033,178$41,358,659$24,153,743$221,744,083
69$256,697,894$43,280,566$24,858,226$243,908,507
70$282,773,115$45,293,349$25,583,012$268,315,832
71$311,504,607$47,401,357$26,328,677$295,194,090
72$343,163,203$49,609,150$27,095,814$324,794,544
73$378,047,358$51,921,506$27,885,032$357,394,049
74$416,485,963$54,343,436$28,696,955$393,297,667
75$458,841,457$56,880,189$29,532,229$432,841,536
76$505,513,240$59,537,272$30,391,512$476,396,044
77$556,941,448$62,320,456$31,275,486$524,369,318
78$613,611,107$65,235,791$32,184,846$577,211,072
79$676,056,714$68,289,618$33,120,312$635,416,847
80$744,867,276$71,488,587$34,082,620$699,532,681
81$820,691,878$74,839,667$35,072,528$770,160,264
82$904,245,806$78,350,167$36,090,814$847,962,604
83$996,317,300$82,027,748$37,138,278$933,670,286
84$1,097,774,997$85,880,440$38,215,743$1,028,088,360
85$1,209,576,130$89,916,664$39,324,053$1,132,103,930
86$1,332,775,562$94,145,248$40,464,076$1,246,694,530
87$1,468,535,750$98,575,446$41,636,703$1,372,937,335
88$1,618,137,716$103,216,962$42,842,852$1,512,019,330
89$1,782,993,138$108,079,968$44,083,463$1,665,248,499
90$1,964,657,684$113,175,132$45,359,504$1,834,066,174
91$2,164,845,688$118,513,634$46,671,969$2,020,060,625
92$2,385,446,347$124,107,201$48,021,878$2,224,982,045
93$2,628,541,544$129,968,123$49,410,281$2,450,759,069
94$2,896,425,511$136,109,291$50,838,254$2,699,516,963
95$3,191,626,483$142,544,216$52,306,906$2,973,597,682
96$3,516,930,570$149,287,069$53,817,373$3,275,581,965
97$3,875,408,057$156,352,704$55,370,824$3,608,313,690
98$4,270,442,391$163,756,698$56,968,458$3,974,926,705
99$4,705,762,121$171,515,383$58,611,508$4,378,874,404
100$5,185,476,105$179,645,884$60,301,241$4,823,962,315