Can I retire at age 35 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$908,370$900,278$892,384$884,679$877,155$845,025
2 years$449,688$441,313$433,196$425,327$417,693$385,680
3 years$296,814$288,403$280,307$272,511$265,002$234,113
4 years$220,392$212,007$203,991$196,329$189,001$159,472
5 years$174,551$166,216$158,306$150,799$143,676$115,583
6 years$144,000$135,728$127,935$120,595$113,686$87,050
7 years$122,187$113,984$106,314$99,148$92,457$67,271
8 years$105,834$97,705$90,163$83,173$76,702$52,944
9 years$93,122$85,070$77,657$70,845$64,594$42,232
10 years$82,958$74,985$67,703$61,069$55,037$34,031
11 years$74,648$66,755$59,605$53,148$47,334$27,639
12 years$67,728$59,915$52,898$46,618$41,019$22,586
13 years$61,877$54,146$47,261$41,157$35,769$18,548
14 years$56,866$49,217$42,464$36,534$31,355$15,292
15 years$52,527$44,961$38,339$32,582$27,607$12,647
16 years$48,734$41,251$34,760$29,174$24,400$10,487
17 years$45,391$37,990$31,630$26,213$21,634$8,714
18 years$42,423$35,105$28,874$23,623$19,236$7,254
19 years$39,770$32,535$26,433$21,345$17,146$6,047
20 years$37,386$30,233$24,259$19,332$15,315$5,047
21 years$35,231$28,161$22,314$17,545$13,705$4,217
22 years$33,275$26,287$20,566$15,953$12,285$3,526
23 years$31,491$24,586$18,989$14,528$11,027$2,950
24 years$29,859$23,035$17,561$13,251$9,912$2,470
25 years$28,360$21,617$16,265$12,101$8,919$2,068
26 years$26,978$20,317$15,085$11,065$8,034$1,733
27 years$25,701$19,121$14,008$10,128$7,243$1,453
28 years$24,517$18,017$13,022$9,279$6,536$1,218
29 years$23,416$16,997$12,118$8,509$5,902$1,021
30 years$22,391$16,052$11,288$7,809$5,332$857
31 years$21,434$15,175$10,523$7,172$4,821$719
32 years$20,539$14,358$9,818$6,592$4,361$603
33 years$19,699$13,597$9,167$6,061$3,947$506
34 years$18,911$12,887$8,565$5,577$3,573$425
35 years$18,169$12,223$8,008$5,134$3,236$356
36 years$17,471$11,602$7,491$4,728$2,932$299
37 years$16,811$11,019$7,012$4,357$2,658$251
38 years$16,188$10,472$6,566$4,016$2,409$211
39 years$15,598$9,958$6,152$3,702$2,185$177
40 years$15,039$9,474$5,766$3,415$1,982$149
41 years$14,508$9,018$5,407$3,151$1,798$125
42 years$14,005$8,589$5,072$2,908$1,632$105
43 years$13,526$8,183$4,759$2,684$1,481$88
44 years$13,070$7,801$4,467$2,478$1,344$74
45 years$12,635$7,439$4,195$2,289$1,220$62
46 years$12,221$7,096$3,940$2,114$1,108$52
47 years$11,825$6,772$3,701$1,953$1,006$44
48 years$11,447$6,465$3,478$1,805$914$37
49 years$11,086$6,173$3,269$1,668$830$31
50 years$10,740$5,897$3,074$1,542$754$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,000,000, adding $3,024 every year, while hoping to spend $57,267 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: 53/37/10 Blend
34$11,000,000$11,000,000$11,000,000$11,000,000
35$12,125,119$11,542,119$11,371,619$12,736,661
36$13,300,950$12,046,751$11,691,637$13,657,192
37$14,594,796$12,574,191$12,020,456$14,651,719
38$16,018,634$13,125,496$12,358,310$15,732,371
39$17,585,662$13,701,772$12,705,441$16,907,309
40$19,310,420$14,304,180$13,062,093$18,185,503
41$21,208,930$14,933,932$13,428,521$19,576,807
42$23,298,848$15,592,301$13,804,983$21,092,054
43$25,599,624$16,280,618$14,191,744$22,743,149
44$28,132,696$17,000,278$14,589,078$24,543,181
45$30,921,681$17,752,742$14,997,262$26,506,540
46$33,992,605$18,539,539$15,416,583$28,649,052
47$37,374,146$19,362,272$15,847,333$30,988,118
48$41,097,904$20,222,619$16,289,815$33,542,877
49$45,198,702$21,122,338$16,744,334$36,334,382
50$49,714,908$22,063,271$17,211,208$39,385,790
51$54,688,804$23,047,347$17,690,759$42,722,578
52$60,166,981$24,076,586$18,183,319$46,372,778
53$66,200,780$25,153,105$18,689,227$50,367,232
54$72,846,774$26,279,122$19,208,830$54,739,879
55$80,167,305$27,456,960$19,742,487$59,528,069
56$88,231,071$28,689,051$20,290,561$64,772,909
57$97,113,772$29,977,947$20,853,426$70,519,640
58$106,898,827$31,326,316$21,431,466$76,818,061
59$117,678,161$32,736,959$22,025,074$83,722,987
60$129,553,069$34,212,806$22,634,650$91,294,762
61$142,635,178$35,756,929$23,260,606$99,599,817
62$157,047,494$37,372,547$23,903,365$108,711,288
63$172,925,568$39,063,031$24,563,357$118,709,698
64$190,418,771$40,831,915$25,241,024$129,683,707
65$209,691,707$42,682,900$25,936,820$141,730,937
66$230,925,764$44,619,865$26,651,206$154,958,883
67$254,320,828$46,646,874$27,384,658$169,485,917
68$280,097,169$48,768,188$28,137,660$185,442,394
69$308,497,519$50,988,267$28,910,710$202,971,868
70$339,789,363$53,311,790$29,704,316$222,232,433
71$374,267,466$55,743,655$30,518,999$243,398,208
72$412,256,652$58,288,999$31,355,290$266,660,956
73$454,114,873$60,953,203$32,213,735$292,231,889
74$500,236,586$63,741,906$33,094,891$320,343,641
75$551,056,477$66,661,018$33,999,329$351,252,446
76$607,053,563$69,716,733$34,927,632$385,240,545
77$668,755,716$72,915,542$35,880,397$422,618,827
78$736,744,643$76,264,248$36,858,234$463,729,750
79$811,661,379$79,769,979$37,861,768$508,950,547
80$894,212,339$83,440,207$38,891,636$558,696,774
81$985,175,985$87,282,764$39,948,493$613,426,206
82$1,085,410,173$91,305,857$41,033,005$673,643,138
83$1,195,860,254$95,518,088$42,145,855$739,903,123
84$1,317,567,999$99,928,473$43,287,739$812,818,187
85$1,451,681,428$104,546,462$44,459,372$893,062,588
86$1,599,465,654$109,381,959$45,661,482$981,379,145
87$1,762,314,822$114,445,346$46,894,813$1,078,586,231
88$1,941,765,271$119,747,505$48,160,126$1,185,585,462
89$2,139,510,037$125,299,841$49,458,198$1,303,370,182
90$2,357,414,838$131,114,311$50,789,825$1,433,034,804
91$2,597,535,684$137,203,444$52,155,816$1,575,785,109
92$2,862,138,289$143,580,378$53,557,001$1,732,949,597
93$3,153,719,459$150,258,881$54,994,226$1,905,991,983
94$3,475,030,666$157,253,388$56,468,354$2,096,524,985
95$3,829,104,018$164,579,028$57,980,268$2,306,325,500
96$4,219,280,888$172,251,662$59,530,868$2,537,351,340
97$4,649,243,460$180,287,914$61,121,073$2,791,759,670
98$5,123,049,486$188,705,215$62,751,822$3,071,927,324
99$5,645,170,597$197,521,833$64,424,071$3,380,473,193
100$6,220,534,518$206,756,924$66,138,798$3,720,282,900