Can I retire at age 35 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$751,469$744,776$738,245$731,871$725,647$715,986
2 years$372,015$365,086$358,371$351,861$345,546$335,828
3 years$245,546$238,588$231,890$225,441$219,229$209,756
4 years$182,324$175,387$168,757$162,417$156,356$147,201
5 years$144,401$137,506$130,962$124,752$118,859$110,049
6 years$119,127$112,284$105,837$99,765$94,049$85,595
7 years$101,082$94,296$87,951$82,023$76,487$68,391
8 years$87,554$80,829$74,589$68,807$63,453$55,715
9 years$77,037$70,376$64,244$58,608$53,437$46,052
10 years$68,629$62,033$56,009$50,521$45,531$38,495
11 years$61,754$55,224$49,310$43,968$39,158$32,464
12 years$56,029$49,566$43,761$38,566$33,934$27,574
13 years$51,189$44,794$39,098$34,048$29,591$23,557
14 years$47,043$40,716$35,129$30,224$25,939$20,223
15 years$43,454$37,195$31,717$26,954$22,839$17,430
16 years$40,316$34,126$28,756$24,135$20,185$15,073
17 years$37,551$31,428$26,167$21,685$17,897$13,072
18 years$35,095$29,041$23,887$19,542$15,914$11,365
19 years$32,901$26,915$21,867$17,658$14,184$9,901
20 years$30,928$25,011$20,069$15,993$12,670$8,641
21 years$29,146$23,297$18,459$14,515$11,338$7,553
22 years$27,527$21,747$17,013$13,197$10,163$6,610
23 years$26,052$20,339$15,709$12,019$9,123$5,792
24 years$24,702$19,056$14,528$10,962$8,200$5,080
25 years$23,461$17,884$13,456$10,011$7,378$4,460
26 years$22,318$16,808$12,480$9,154$6,646$3,918
27 years$21,261$15,818$11,588$8,379$5,992$3,445
28 years$20,282$14,905$10,773$7,677$5,407$3,030
29 years$19,372$14,061$10,025$7,040$4,882$2,667
30 years$18,524$13,279$9,338$6,461$4,411$2,348
31 years$17,732$12,553$8,706$5,933$3,988$2,068
32 years$16,991$11,878$8,122$5,453$3,608$1,823
33 years$16,297$11,249$7,584$5,015$3,265$1,606
34 years$15,645$10,661$7,086$4,614$2,956$1,416
35 years$15,031$10,112$6,625$4,247$2,677$1,249
36 years$14,453$9,598$6,197$3,912$2,426$1,102
37 years$13,907$9,116$5,801$3,604$2,199$972
38 years$13,392$8,663$5,432$3,322$1,993$858
39 years$12,904$8,238$5,089$3,063$1,808$757
40 years$12,441$7,838$4,770$2,825$1,640$668
41 years$12,002$7,461$4,473$2,607$1,487$589
42 years$11,586$7,105$4,196$2,406$1,350$520
43 years$11,189$6,770$3,937$2,221$1,225$459
44 years$10,812$6,453$3,696$2,050$1,112$406
45 years$10,453$6,154$3,470$1,894$1,009$358
46 years$10,110$5,870$3,259$1,749$916$316
47 years$9,783$5,602$3,062$1,616$832$279
48 years$9,470$5,348$2,877$1,493$756$247
49 years$9,171$5,107$2,705$1,380$686$218
50 years$8,885$4,878$2,543$1,276$623$192

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,100,000, adding $4,957 every year, while hoping to spend $49,722 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: 54/22/24 Blend
34$9,100,000$9,100,000$9,100,000$9,100,000
35$10,033,313$9,551,013$9,409,963$10,508,476
36$11,003,807$9,966,109$9,672,293$11,251,149
37$12,071,625$10,399,878$9,941,745$12,053,650
38$13,246,642$10,853,183$10,218,504$12,926,267
39$14,539,737$11,326,926$10,502,761$13,875,730
40$15,962,899$11,822,054$10,794,712$14,909,442
41$17,529,337$12,339,557$11,094,557$16,035,540
42$19,253,605$12,880,472$11,402,501$17,262,976
43$21,151,741$13,445,883$11,718,754$18,601,596
44$23,241,417$14,036,930$12,043,530$20,062,233
45$25,542,104$14,654,802$12,377,051$21,656,803
46$28,075,258$15,300,747$12,719,542$23,398,417
47$30,864,522$15,976,070$13,071,233$25,301,505
48$33,935,946$16,682,141$13,432,363$27,381,943
49$37,318,238$17,420,391$13,803,172$29,657,205
50$41,043,029$18,192,321$14,183,909$32,146,522
51$45,145,177$18,999,504$14,574,829$34,871,063
52$49,663,090$19,843,584$14,976,191$37,854,130
53$54,639,093$20,726,288$15,388,261$41,121,372
54$60,119,825$21,649,420$15,811,312$44,701,029
55$66,156,679$22,614,874$16,245,623$48,624,189
56$72,806,288$23,624,631$16,691,480$52,925,082
57$80,131,059$24,680,767$17,149,173$57,641,397
58$88,199,760$25,785,457$17,619,004$62,814,633
59$97,088,171$26,940,981$18,101,276$68,490,487
60$106,879,799$28,149,724$18,596,304$74,719,281
61$117,666,666$29,414,187$19,104,407$81,556,432
62$129,550,174$30,736,991$19,625,913$89,062,969
63$142,642,068$32,120,880$20,161,157$97,306,104
64$157,065,485$33,568,729$20,710,482$106,359,865
65$172,956,119$35,083,551$21,274,238$116,305,782
66$190,463,502$36,668,503$21,852,783$127,233,655
67$209,752,412$38,326,893$22,446,484$139,242,397
68$231,004,432$40,062,185$23,055,716$152,440,955
69$254,419,662$41,878,010$23,680,860$166,949,340
70$280,218,609$43,778,173$24,322,310$182,899,745
71$308,644,264$45,766,661$24,980,465$200,437,789
72$339,964,402$47,847,651$25,655,733$219,723,886
73$374,474,105$50,025,519$26,348,534$240,934,746
74$412,498,547$52,304,853$27,059,293$264,265,041
75$454,396,066$54,690,458$27,788,447$289,929,227
76$500,561,547$57,187,373$28,536,442$318,163,564
77$551,430,145$59,800,874$29,303,733$349,228,338
78$607,481,397$62,536,494$30,090,785$383,410,303
79$669,243,745$65,400,028$30,898,072$421,025,380
80$737,299,530$68,397,552$31,726,080$462,421,631
81$812,290,481$71,535,431$32,575,303$507,982,530
82$894,923,781$74,820,338$33,446,247$558,130,571
83$985,978,737$78,259,266$34,339,427$613,331,247
84$1,086,314,140$81,859,541$35,255,369$674,097,429
85$1,196,876,369$85,628,846$36,194,611$740,994,196
86$1,318,708,329$89,575,229$37,157,701$814,644,153
87$1,452,959,292$93,707,128$38,145,197$895,733,294
88$1,600,895,748$98,033,386$39,157,669$985,017,467
89$1,763,913,363$102,563,271$40,195,700$1,083,329,487
90$1,943,550,151$107,306,496$41,259,881$1,191,586,986
91$2,141,500,997$112,273,245$42,350,818$1,310,801,055
92$2,359,633,655$117,474,190$43,469,126$1,442,085,773
93$2,600,006,379$122,920,517$44,615,433$1,586,668,707
94$2,864,887,359$128,623,952$45,790,379$1,745,902,475
95$3,156,776,130$134,596,785$46,994,617$1,921,277,498
96$3,478,427,168$140,851,901$48,228,810$2,114,436,050
97$3,832,875,898$147,402,803$49,493,634$2,327,187,737
98$4,223,467,348$154,263,648$50,789,778$2,561,526,554
99$4,653,887,725$161,449,275$52,117,944$2,819,649,692
100$5,128,199,222$168,975,239$53,478,844$3,103,978,246