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%
1 years$908,370$900,278$892,384$884,679$877,155$873,459
2 years$449,688$441,313$433,196$425,327$417,693$413,962
3 years$296,814$288,403$280,307$272,511$265,002$261,350
4 years$220,392$212,007$203,991$196,329$189,001$185,458
5 years$174,551$166,216$158,306$150,799$143,676$140,252
6 years$144,000$135,728$127,935$120,595$113,686$110,385
7 years$122,187$113,984$106,314$99,148$92,457$89,281
8 years$105,834$97,705$90,163$83,173$76,702$73,651
9 years$93,122$85,070$77,657$70,845$64,594$61,668
10 years$82,958$74,985$67,703$61,069$55,037$52,234
11 years$74,648$66,755$59,605$53,148$47,334$44,652
12 years$67,728$59,915$52,898$46,618$41,019$38,456
13 years$61,877$54,146$47,261$41,157$35,769$33,323
14 years$56,866$49,217$42,464$36,534$31,355$29,023
15 years$52,527$44,961$38,339$32,582$27,607$25,387
16 years$48,734$41,251$34,760$29,174$24,400$22,288
17 years$45,391$37,990$31,630$26,213$21,634$19,628
18 years$42,423$35,105$28,874$23,623$19,236$17,332
19 years$39,770$32,535$26,433$21,345$17,146$15,340
20 years$37,386$30,233$24,259$19,332$15,315$13,605
21 years$35,231$28,161$22,314$17,545$13,705$12,087
22 years$33,275$26,287$20,566$15,953$12,285$10,755
23 years$31,491$24,586$18,989$14,528$11,027$9,583
24 years$29,859$23,035$17,561$13,251$9,912$8,549
25 years$28,360$21,617$16,265$12,101$8,919$7,634
26 years$26,978$20,317$15,085$11,065$8,034$6,824
27 years$25,701$19,121$14,008$10,128$7,243$6,105
28 years$24,517$18,017$13,022$9,279$6,536$5,465
29 years$23,416$16,997$12,118$8,509$5,902$4,896
30 years$22,391$16,052$11,288$7,809$5,332$4,389
31 years$21,434$15,175$10,523$7,172$4,821$3,936
32 years$20,539$14,358$9,818$6,592$4,361$3,532
33 years$19,699$13,597$9,167$6,061$3,947$3,170
34 years$18,911$12,887$8,565$5,577$3,573$2,847
35 years$18,169$12,223$8,008$5,134$3,236$2,557
36 years$17,471$11,602$7,491$4,728$2,932$2,298
37 years$16,811$11,019$7,012$4,357$2,658$2,065
38 years$16,188$10,472$6,566$4,016$2,409$1,856
39 years$15,598$9,958$6,152$3,702$2,185$1,669
40 years$15,039$9,474$5,766$3,415$1,982$1,501
41 years$14,508$9,018$5,407$3,151$1,798$1,350
42 years$14,005$8,589$5,072$2,908$1,632$1,215
43 years$13,526$8,183$4,759$2,684$1,481$1,093
44 years$13,070$7,801$4,467$2,478$1,344$984
45 years$12,635$7,439$4,195$2,289$1,220$885
46 years$12,221$7,096$3,940$2,114$1,108$797
47 years$11,825$6,772$3,701$1,953$1,006$717
48 years$11,447$6,465$3,478$1,805$914$646
49 years$11,086$6,173$3,269$1,668$830$581
50 years$10,740$5,897$3,074$1,542$754$523

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 $2,200 every year, while hoping to spend $27,583 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: 44/29/27 Blend
34$11,000,000$11,000,000$11,000,000$11,000,000
35$12,124,269$11,541,269$11,370,769$12,562,587
36$13,331,597$12,077,443$11,722,342$13,411,364
37$14,661,147$12,638,966$12,084,768$14,328,053
38$16,125,358$13,227,049$12,458,381$15,321,241
39$17,737,935$13,842,964$12,843,527$16,398,055
40$19,513,979$14,488,045$13,240,561$17,566,323
41$21,470,134$15,163,688$13,649,849$18,834,642
42$23,624,738$15,871,359$14,071,769$20,212,454
43$25,997,997$16,612,591$14,506,709$21,710,134
44$28,612,180$17,388,996$14,955,071$23,339,081
45$31,491,825$18,202,259$15,417,268$25,111,820
46$34,663,971$19,054,150$15,893,727$27,042,121
47$38,158,416$19,946,523$16,384,887$29,145,118
48$42,007,994$20,881,322$16,891,200$31,437,450
49$46,248,888$21,860,585$17,413,134$33,937,410
50$50,920,969$22,886,449$17,951,168$36,665,117
51$56,068,176$23,961,152$18,505,800$39,642,694
52$61,738,925$25,087,044$19,077,540$42,894,476
53$67,986,572$26,266,587$19,666,914$46,447,229
54$74,869,914$27,502,360$20,274,467$50,330,400
55$82,453,740$28,797,071$20,900,757$54,576,383
56$90,809,450$30,153,556$21,546,361$59,220,822
57$100,015,724$31,574,790$22,211,873$64,302,938
58$110,159,264$33,063,891$22,897,908$69,865,893
59$121,335,616$34,624,129$23,605,095$75,957,185
60$133,650,070$36,258,933$24,334,087$82,629,090
61$147,218,652$37,971,895$25,085,553$89,939,150
62$162,169,222$39,766,785$25,860,187$97,950,701
63$178,642,680$41,647,555$26,658,700$106,733,462
64$196,794,294$43,618,346$27,481,828$116,364,186
65$216,795,170$45,683,503$28,330,327$126,927,372
66$238,833,863$47,847,581$29,204,979$138,516,050
67$263,118,159$50,115,354$30,106,587$151,232,647
68$289,877,035$52,491,830$31,035,981$165,189,946
69$319,362,822$54,982,259$31,994,016$180,512,133
70$351,853,587$57,592,146$32,981,573$197,335,957
71$387,655,756$60,327,265$33,999,559$215,812,008
72$427,107,009$63,193,667$35,048,910$236,106,122
73$470,579,467$66,197,699$36,130,591$258,400,934
74$518,483,203$69,346,017$37,245,596$282,897,582
75$571,270,115$72,645,598$38,394,950$309,817,592
76$629,438,194$76,103,759$39,579,708$339,404,950
77$693,536,221$79,728,174$40,800,959$371,928,386
78$764,168,949$83,526,889$42,059,825$407,683,895
79$842,002,815$87,508,339$43,357,462$446,997,508
80$927,772,227$91,681,373$44,695,062$490,228,348
81$1,022,286,500$96,055,266$46,073,853$537,772,003
82$1,126,437,497$100,639,748$47,495,100$590,064,230
83$1,241,208,046$105,445,019$48,960,110$647,585,050
84$1,367,681,218$110,481,777$50,470,226$710,863,256
85$1,507,050,558$115,761,240$52,026,834$780,481,369
86$1,660,631,345$121,295,171$53,631,363$857,081,122
87$1,829,873,014$127,095,906$55,285,285$941,369,480
88$2,016,372,837$133,176,381$56,990,118$1,034,125,286
89$2,221,891,004$139,550,161$58,747,424$1,136,206,587
90$2,448,367,241$146,231,473$60,558,817$1,248,558,693
91$2,697,939,120$153,235,236$62,425,958$1,372,223,072
92$2,972,962,240$160,577,092$64,350,558$1,508,347,146
93$3,276,032,468$168,273,450$66,334,381$1,658,195,081
94$3,610,010,445$176,341,514$68,379,248$1,823,159,686
95$3,978,048,589$184,799,326$70,487,031$2,004,775,520
96$4,383,620,861$193,665,810$72,659,663$2,204,733,331
97$4,830,555,562$202,960,807$74,899,135$2,424,895,978
98$5,323,071,472$212,705,129$77,207,498$2,667,315,967
99$5,865,817,680$222,920,599$79,586,868$2,934,254,779
100$6,463,917,479$233,630,104$82,039,423$3,228,204,166