Can I retire at age 35 with 9,900,000?

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 $9,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$817,533$810,251$803,146$796,211$789,440$761,733
2 years$404,719$397,182$389,877$382,794$375,924$348,300
3 years$267,133$259,563$252,276$245,260$238,501$211,830
4 years$198,353$190,806$183,592$176,696$170,101$144,585
5 years$157,096$149,594$142,475$135,719$129,308$105,014
6 years$129,600$122,155$115,141$108,536$102,317$79,264
7 years$109,968$102,586$95,683$89,233$83,211$61,395
8 years$95,251$87,935$81,147$74,856$69,032$48,434
9 years$83,810$76,563$69,892$63,760$58,135$38,729
10 years$74,662$67,487$60,933$54,962$49,534$31,288
11 years$67,183$60,079$53,644$47,833$42,601$25,477
12 years$60,955$53,924$47,608$41,956$36,917$20,875
13 years$55,689$48,731$42,535$37,041$32,192$17,190
14 years$51,179$44,296$38,218$32,881$28,219$14,211
15 years$47,274$40,465$34,505$29,324$24,847$11,787
16 years$43,861$37,126$31,284$26,257$21,960$9,802
17 years$40,852$34,191$28,467$23,591$19,471$8,170
18 years$38,180$31,594$25,987$21,261$17,313$6,821
19 years$35,793$29,281$23,790$19,211$15,431$5,703
20 years$33,647$27,210$21,833$17,399$13,783$4,775
21 years$31,708$25,345$20,082$15,791$12,335$4,001
22 years$29,947$23,658$18,509$14,357$11,056$3,356
23 years$28,342$22,127$17,090$13,076$9,925$2,817
24 years$26,873$20,732$15,805$11,926$8,920$2,366
25 years$25,524$19,456$14,639$10,891$8,027$1,988
26 years$24,280$18,285$13,577$9,958$7,231$1,671
27 years$23,131$17,209$12,607$9,115$6,519$1,405
28 years$22,065$16,216$11,720$8,351$5,882$1,182
29 years$21,075$15,297$10,906$7,658$5,311$994
30 years$20,152$14,447$10,159$7,029$4,799$837
31 years$19,291$13,657$9,471$6,455$4,339$704
32 years$18,485$12,922$8,836$5,932$3,925$593
33 years$17,729$12,238$8,251$5,455$3,552$499
34 years$17,020$11,599$7,709$5,019$3,216$420
35 years$16,352$11,001$7,207$4,621$2,913$354
36 years$15,723$10,442$6,742$4,255$2,639$298
37 years$15,130$9,917$6,311$3,921$2,392$251
38 years$14,569$9,425$5,910$3,614$2,169$211
39 years$14,038$8,962$5,537$3,332$1,966$178
40 years$13,535$8,527$5,190$3,074$1,784$150
41 years$13,058$8,117$4,866$2,836$1,618$126
42 years$12,604$7,730$4,565$2,617$1,468$106
43 years$12,173$7,365$4,283$2,416$1,333$90
44 years$11,763$7,020$4,021$2,231$1,210$76
45 years$11,372$6,695$3,775$2,060$1,098$64
46 years$10,999$6,386$3,546$1,903$997$54
47 years$10,643$6,095$3,331$1,758$905$45
48 years$10,302$5,818$3,130$1,624$822$38
49 years$9,977$5,556$2,942$1,501$747$32
50 years$9,666$5,307$2,766$1,388$678$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $9,900,000, adding $5,962 every year, while hoping to spend $36,899 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: 64/13/23 Blend
34$9,900,000$9,900,000$9,900,000$9,900,000
35$10,915,950$10,391,250$10,237,800$11,548,944
36$11,990,116$10,861,161$10,541,506$12,446,410
37$13,172,611$11,352,861$10,854,149$13,421,868
38$14,474,445$11,867,378$11,175,991$14,486,795
39$15,907,750$12,405,791$11,507,298$15,649,957
40$17,485,895$12,969,229$11,848,347$16,921,004
41$19,223,610$13,558,876$12,199,421$18,310,553
42$21,137,129$14,175,971$12,560,811$19,830,292
43$23,244,336$14,821,814$12,932,819$21,493,083
44$25,564,943$15,497,767$13,315,752$23,313,087
45$28,120,666$16,205,256$13,709,929$25,305,891
46$30,935,438$16,945,778$14,115,676$27,488,656
47$34,035,630$17,720,899$14,533,328$29,880,275
48$37,450,302$18,532,261$14,963,233$32,501,549
49$41,211,477$19,381,586$15,405,745$35,375,383
50$45,354,441$20,270,676$15,861,231$38,526,995
51$49,918,078$21,201,423$16,330,066$41,984,159
52$54,945,236$22,175,808$16,812,638$45,777,457
53$60,483,134$23,195,906$17,309,345$49,940,566
54$66,583,802$24,263,893$17,820,596$54,510,580
55$73,304,576$25,382,051$18,346,813$59,528,347
56$80,708,640$26,552,769$18,888,428$65,038,858
57$88,865,620$27,778,553$19,445,889$71,091,666
58$97,852,239$29,062,028$20,019,652$77,741,351
59$107,753,046$30,405,946$20,610,189$85,048,030
60$118,661,212$31,813,193$21,217,986$93,077,925
61$130,679,408$33,286,791$21,843,541$101,903,976
62$143,920,775$34,829,911$22,487,366$111,606,536
63$158,509,990$36,445,873$23,149,990$122,274,116
64$174,584,449$38,138,161$23,831,954$134,004,220
65$192,295,556$39,910,423$24,533,817$146,904,263
66$211,810,155$41,766,487$25,256,153$161,092,575
67$233,312,107$43,710,361$25,999,550$176,699,517
68$257,004,025$45,746,251$26,764,618$193,868,703
69$283,109,181$47,878,564$27,551,978$212,758,356
70$311,873,622$50,111,918$28,362,274$233,542,788
71$343,568,486$52,451,156$29,196,165$256,414,045
72$378,492,564$54,901,356$30,054,329$281,583,713
73$416,975,122$57,467,838$30,937,465$309,284,908
74$459,379,004$60,156,181$31,846,289$339,774,468
75$506,104,063$62,972,235$32,781,541$373,335,376
76$557,590,933$65,922,130$33,743,978$410,279,418
77$614,325,187$69,012,294$34,734,381$450,950,122
78$676,841,925$72,249,465$35,753,551$495,725,992
79$745,730,821$75,640,708$36,802,315$545,024,073
80$821,641,691$79,193,429$37,881,519$599,303,881
81$905,290,629$82,915,393$38,992,035$659,071,728
82$997,466,766$86,814,740$40,134,761$724,885,495
83$1,099,039,718$90,900,004$41,310,617$797,359,890
84$1,210,967,799$95,180,133$42,520,552$877,172,237
85$1,334,307,063$99,664,509$43,765,540$965,068,863
86$1,470,221,280$104,362,967$45,046,582$1,061,872,129
87$1,619,992,916$109,285,818$46,364,708$1,168,488,186
88$1,785,035,245$114,443,874$47,720,977$1,285,915,513
89$1,966,905,688$119,848,471$49,116,477$1,415,254,333
90$2,167,320,516$125,511,495$50,552,327$1,557,716,986
91$2,388,171,056$131,445,405$52,029,677$1,714,639,359
92$2,631,541,542$137,663,268$53,549,710$1,887,493,485
93$2,899,728,794$144,178,783$55,113,640$2,077,901,423
94$3,195,263,902$151,006,314$56,722,718$2,287,650,555
95$3,520,936,117$158,160,922$58,378,227$2,518,710,445
96$3,879,819,191$165,658,397$60,081,487$2,773,251,415
97$4,275,300,388$173,515,297$61,833,856$3,053,665,016
98$4,711,112,465$181,748,984$63,636,728$3,362,586,588
99$5,191,368,914$190,377,662$65,491,536$3,702,920,118
100$5,720,602,794$199,420,419$67,399,754$4,077,865,635