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%11.2%
1 years$908,370$900,278$892,384$884,679$877,155$872,725
2 years$449,688$441,313$433,196$425,327$417,693$413,222
3 years$296,814$288,403$280,307$272,511$265,002$260,628
4 years$220,392$212,007$203,991$196,329$189,001$184,759
5 years$174,551$166,216$158,306$150,799$143,676$139,577
6 years$144,000$135,728$127,935$120,595$113,686$109,737
7 years$122,187$113,984$106,314$99,148$92,457$88,659
8 years$105,834$97,705$90,163$83,173$76,702$73,055
9 years$93,122$85,070$77,657$70,845$64,594$61,098
10 years$82,958$74,985$67,703$61,069$55,037$51,690
11 years$74,648$66,755$59,605$53,148$47,334$44,133
12 years$67,728$59,915$52,898$46,618$41,019$37,962
13 years$61,877$54,146$47,261$41,157$35,769$32,853
14 years$56,866$49,217$42,464$36,534$31,355$28,577
15 years$52,527$44,961$38,339$32,582$27,607$24,963
16 years$48,734$41,251$34,760$29,174$24,400$21,886
17 years$45,391$37,990$31,630$26,213$21,634$19,248
18 years$42,423$35,105$28,874$23,623$19,236$16,972
19 years$39,770$32,535$26,433$21,345$17,146$15,001
20 years$37,386$30,233$24,259$19,332$15,315$13,284
21 years$35,231$28,161$22,314$17,545$13,705$11,785
22 years$33,275$26,287$20,566$15,953$12,285$10,471
23 years$31,491$24,586$18,989$14,528$11,027$9,316
24 years$29,859$23,035$17,561$13,251$9,912$8,298
25 years$28,360$21,617$16,265$12,101$8,919$7,399
26 years$26,978$20,317$15,085$11,065$8,034$6,603
27 years$25,701$19,121$14,008$10,128$7,243$5,898
28 years$24,517$18,017$13,022$9,279$6,536$5,272
29 years$23,416$16,997$12,118$8,509$5,902$4,715
30 years$22,391$16,052$11,288$7,809$5,332$4,220
31 years$21,434$15,175$10,523$7,172$4,821$3,778
32 years$20,539$14,358$9,818$6,592$4,361$3,385
33 years$19,699$13,597$9,167$6,061$3,947$3,033
34 years$18,911$12,887$8,565$5,577$3,573$2,719
35 years$18,169$12,223$8,008$5,134$3,236$2,439
36 years$17,471$11,602$7,491$4,728$2,932$2,187
37 years$16,811$11,019$7,012$4,357$2,658$1,963
38 years$16,188$10,472$6,566$4,016$2,409$1,761
39 years$15,598$9,958$6,152$3,702$2,185$1,581
40 years$15,039$9,474$5,766$3,415$1,982$1,420
41 years$14,508$9,018$5,407$3,151$1,798$1,275
42 years$14,005$8,589$5,072$2,908$1,632$1,145
43 years$13,526$8,183$4,759$2,684$1,481$1,028
44 years$13,070$7,801$4,467$2,478$1,344$924
45 years$12,635$7,439$4,195$2,289$1,220$830
46 years$12,221$7,096$3,940$2,114$1,108$746
47 years$11,825$6,772$3,701$1,953$1,006$670
48 years$11,447$6,465$3,478$1,805$914$602
49 years$11,086$6,173$3,269$1,668$830$541
50 years$10,740$5,897$3,074$1,542$754$486

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 $5,423 every year, while hoping to spend $47,460 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: 37/44/19 Blend
34$11,000,000$11,000,000$11,000,000$11,000,000
35$12,127,594$11,544,594$11,374,094$12,506,534
36$13,314,111$12,059,782$11,704,629$13,296,704
37$14,620,063$12,598,623$12,044,646$14,144,772
38$16,057,581$13,162,227$12,394,413$15,059,833
39$17,640,033$13,751,756$12,754,205$16,047,926
40$19,382,150$14,368,425$13,124,304$17,115,676
41$21,300,162$15,013,510$13,505,001$18,270,345
42$23,411,953$15,688,347$13,896,594$19,519,902
43$25,737,232$16,394,336$14,299,389$20,873,088
44$28,297,712$17,132,941$14,713,701$22,339,495
45$31,117,323$17,905,699$15,139,854$23,929,653
46$34,222,431$18,714,220$15,578,181$25,655,120
47$37,642,091$19,560,189$16,029,022$27,528,590
48$41,408,320$20,445,373$16,492,729$29,564,000
49$45,556,395$21,371,623$16,969,663$31,776,661
50$50,125,194$22,340,879$17,460,193$34,183,392
51$55,157,555$23,355,173$17,964,700$36,802,674
52$60,700,683$24,416,635$18,483,576$39,654,813
53$66,806,599$25,527,496$19,017,221$42,762,128
54$73,532,622$26,690,093$19,566,049$46,149,153
55$80,941,920$27,906,878$20,130,482$49,842,857
56$89,104,099$29,180,419$20,710,956$53,872,892
57$98,095,863$30,513,405$21,307,919$58,271,864
58$108,001,735$31,908,656$21,921,828$63,075,627
59$118,914,860$33,369,128$22,553,157$68,323,617
60$130,937,877$34,897,916$23,202,389$74,059,209
61$144,183,893$36,498,267$23,870,022$80,330,118
62$158,777,550$38,173,581$24,556,567$87,188,833
63$174,856,196$39,927,423$25,262,548$94,693,108
64$192,571,189$41,763,528$25,988,505$102,906,486
65$212,089,322$43,685,812$26,734,991$111,898,891
66$233,594,393$45,698,378$27,502,574$121,747,272
67$257,288,949$47,805,525$28,291,838$132,536,314
68$283,396,189$50,011,763$29,103,381$144,359,223
69$312,162,076$52,321,816$29,937,821$157,318,590
70$343,857,657$54,740,634$30,795,787$171,527,341
71$378,781,621$57,273,409$31,677,929$187,109,787
72$417,263,120$59,925,579$32,584,914$204,202,779
73$459,664,874$62,702,848$33,517,424$222,956,978
74$506,386,596$65,611,192$34,476,162$243,538,259
75$557,868,764$68,656,876$35,461,849$266,129,258
76$614,596,781$71,846,466$36,475,224$290,931,069
77$677,105,557$75,186,847$37,517,048$318,165,122
78$745,984,554$78,685,233$38,588,100$348,075,249
79$821,883,358$82,349,188$39,689,180$380,929,960
80$905,517,803$86,186,642$40,821,110$417,024,952
81$997,676,736$90,205,904$41,984,734$456,685,869
82$1,099,229,457$94,415,687$43,180,917$500,271,354
83$1,211,133,932$98,825,126$44,410,548$548,176,396
84$1,334,445,829$103,443,793$45,674,537$600,836,034
85$1,470,328,491$108,281,727$46,973,822$658,729,424
86$1,620,063,915$113,349,449$48,309,363$722,384,334
87$1,785,064,852$118,657,990$49,682,144$792,382,085
88$1,966,888,149$124,218,913$51,093,178$869,363,001
89$2,167,249,442$130,044,342$52,543,501$954,032,417
90$2,388,039,357$136,146,987$54,034,180$1,047,167,291
91$2,631,341,353$142,540,170$55,566,307$1,149,623,498
92$2,899,451,394$149,237,862$57,141,002$1,262,343,863
93$3,194,899,627$156,254,708$58,759,415$1,386,367,014
94$3,520,474,261$163,606,061$60,422,728$1,522,837,134
95$3,879,247,896$171,308,019$62,132,150$1,673,014,713
96$4,274,606,528$179,377,458$63,888,924$1,838,288,392
97$4,710,281,514$187,832,073$65,694,323$2,020,188,012
98$5,190,384,799$196,690,416$67,549,654$2,220,398,997
99$5,719,447,739$205,971,937$69,456,257$2,440,778,203
100$6,302,463,875$215,697,028$71,415,508$2,683,371,381