Can I retire at age 35 with 9,400,000?

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 $9,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$776,243$769,329$762,583$755,999$749,569$738,063
2 years$384,279$377,122$370,186$363,461$356,938$345,374
3 years$253,641$246,453$239,535$232,873$226,456$215,193
4 years$188,335$181,169$174,320$167,772$161,510$150,636
5 years$149,162$142,039$135,279$128,865$122,778$112,323
6 years$123,055$115,985$109,326$103,054$97,150$87,127
7 years$104,414$97,404$90,850$84,727$79,009$69,421
8 years$90,440$83,494$77,048$71,075$65,545$56,392
9 years$79,577$72,696$66,362$60,540$55,199$46,474
10 years$70,892$64,078$57,856$52,186$47,032$38,729
11 years$63,790$57,045$50,935$45,418$40,449$32,560
12 years$57,876$51,201$45,204$39,837$35,052$27,567
13 years$52,876$46,270$40,386$35,170$30,566$23,474
14 years$48,594$42,058$36,287$31,220$26,794$20,084
15 years$44,887$38,421$32,763$27,843$23,592$17,251
16 years$41,646$35,251$29,704$24,930$20,850$14,867
17 years$38,789$32,465$27,030$22,400$18,487$12,848
18 years$36,252$29,999$24,675$20,187$16,438$11,129
19 years$33,985$27,802$22,588$18,240$14,652$9,660
20 years$31,948$25,835$20,730$16,520$13,087$8,400
21 years$30,106$24,065$19,068$14,993$11,712$7,314
22 years$28,435$22,463$17,574$13,632$10,498$6,377
23 years$26,911$21,010$16,227$12,415$9,423$5,567
24 years$25,516$19,685$15,007$11,323$8,470$4,864
25 years$24,235$18,473$13,899$10,341$7,622$4,253
26 years$23,054$17,362$12,891$9,455$6,865$3,722
27 years$21,962$16,339$11,970$8,655$6,190$3,259
28 years$20,951$15,397$11,128$7,930$5,585$2,855
29 years$20,010$14,525$10,356$7,272$5,043$2,503
30 years$19,134$13,717$9,646$6,674$4,557$2,194
31 years$18,317$12,967$8,993$6,129$4,120$1,925
32 years$17,551$12,270$8,390$5,633$3,727$1,689
33 years$16,834$11,620$7,834$5,180$3,373$1,483
34 years$16,160$11,013$7,320$4,766$3,054$1,302
35 years$15,527$10,445$6,843$4,387$2,766$1,143
36 years$14,929$9,914$6,402$4,041$2,506$1,004
37 years$14,366$9,416$5,992$3,723$2,271$882
38 years$13,833$8,949$5,611$3,431$2,059$775
39 years$13,329$8,509$5,257$3,164$1,867$681
40 years$12,851$8,096$4,927$2,918$1,694$598
41 years$12,398$7,707$4,620$2,692$1,536$526
42 years$11,968$7,340$4,334$2,485$1,394$462
43 years$11,558$6,993$4,067$2,294$1,265$406
44 years$11,169$6,666$3,818$2,118$1,149$357
45 years$10,797$6,357$3,585$1,956$1,043$314
46 years$10,443$6,064$3,367$1,807$947$276
47 years$10,105$5,787$3,163$1,669$860$243
48 years$9,782$5,524$2,972$1,542$781$213
49 years$9,473$5,275$2,794$1,425$709$188
50 years$9,178$5,039$2,627$1,318$644$165

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,400,000, adding $6,998 every year, while hoping to spend $55,849 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: 48/24/28 Blend
34$9,400,000$9,400,000$9,400,000$9,400,000
35$10,366,018$9,867,818$9,722,118$10,780,412
36$11,363,929$10,291,919$9,988,387$11,496,762
37$12,461,755$10,734,928$10,261,703$12,268,224
38$13,669,629$11,197,714$10,542,244$13,104,970
39$14,998,714$11,681,185$10,830,192$14,013,188
40$16,461,311$12,186,291$11,125,732$14,999,676
41$18,070,975$12,714,029$11,429,054$16,071,911
42$19,842,638$13,265,440$11,740,351$17,238,109
43$21,792,756$13,841,616$12,059,822$18,507,308
44$23,939,460$14,443,698$12,387,669$19,889,445
45$26,302,730$15,072,884$12,724,100$21,395,448
46$28,904,578$15,730,425$13,069,328$23,037,340
47$31,769,263$16,417,634$13,423,568$24,828,344
48$34,923,512$17,135,882$13,787,042$26,783,009
49$38,396,779$17,886,609$14,159,977$28,917,341
50$42,221,518$18,671,321$14,542,603$31,248,955
51$46,433,491$19,491,593$14,935,158$33,797,232
52$51,072,104$20,349,079$15,337,884$36,583,503
53$56,180,782$21,245,507$15,751,026$39,631,244
54$61,807,373$22,182,688$16,174,837$42,966,296
55$68,004,606$23,162,520$16,609,574$46,617,100
56$74,830,582$24,186,990$17,055,501$50,614,967
57$82,349,326$25,258,178$17,512,885$54,994,367
58$90,631,393$26,378,264$17,982,002$59,793,246
59$99,754,527$27,549,530$18,463,131$65,053,386
60$109,804,401$28,774,370$18,956,558$70,820,789
61$120,875,422$30,055,285$19,462,575$77,146,106
62$133,071,622$31,394,902$19,981,479$84,085,116
63$146,507,642$32,795,967$20,513,573$91,699,237
64$161,309,812$34,261,360$21,059,168$100,056,107
65$177,617,343$35,794,096$21,618,580$109,230,216
66$195,583,641$37,397,336$22,192,131$119,303,597
67$215,377,754$39,074,388$22,780,150$130,366,599
68$237,185,972$40,828,719$23,382,972$142,518,733
69$261,213,578$42,663,963$24,000,938$155,869,597
70$287,686,791$44,583,926$24,634,398$170,539,913
71$316,854,899$46,592,593$25,283,705$186,662,651
72$348,992,611$48,694,143$25,949,222$204,384,277
73$384,402,653$50,892,952$26,631,317$223,866,131
74$423,418,623$53,193,605$27,330,365$245,285,934
75$466,408,139$55,600,908$28,046,748$268,839,464
76$513,776,311$58,119,895$28,780,856$294,742,389
77$565,969,565$60,755,839$29,533,085$323,232,291
78$623,479,854$63,514,270$30,303,837$354,570,905
79$686,849,308$66,400,977$31,093,524$389,046,571
80$756,675,342$69,422,030$31,902,562$426,976,948
81$833,616,306$72,583,788$32,731,377$468,712,000
82$918,397,690$75,892,915$33,580,399$514,637,286
83$1,011,818,979$79,356,393$34,450,067$565,177,588
84$1,114,761,199$82,981,540$35,340,829$620,800,904
85$1,228,195,231$86,776,025$36,253,136$682,022,854
86$1,353,190,979$90,747,884$37,187,450$749,411,532
87$1,490,927,468$94,905,539$38,144,239$823,592,850
88$1,642,703,975$99,257,816$39,123,976$905,256,435
89$1,809,952,296$103,813,965$40,127,145$995,162,118
90$1,994,250,260$108,583,679$41,154,234$1,094,147,090
91$2,197,336,625$113,577,118$42,205,740$1,203,133,787
92$2,421,127,494$118,804,930$43,282,165$1,323,138,578
93$2,667,734,402$124,278,275$44,384,021$1,455,281,337
94$2,939,484,249$130,008,849$45,511,824$1,600,795,998
95$3,238,941,270$136,008,910$46,666,097$1,761,042,176
96$3,568,931,240$142,291,307$47,847,373$1,937,517,982
97$3,932,568,153$148,869,508$49,056,186$2,131,874,142
98$4,333,283,618$155,757,627$50,293,082$2,345,929,550
99$4,774,859,257$162,970,460$51,558,609$2,581,688,418
100$5,261,462,402$170,523,514$52,853,324$2,841,359,165