Can I retire at age 35 with 11,100,000?

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$916,628$908,463$900,497$892,722$885,130$875,158
2 years$453,776$445,325$437,134$429,193$421,490$411,452
3 years$299,512$291,025$282,855$274,988$267,411$257,617
4 years$222,396$213,934$205,846$198,114$190,720$181,246
5 years$176,138$167,727$159,745$152,170$144,982$135,856
6 years$145,309$136,962$129,098$121,692$114,719$105,953
7 years$123,297$115,020$107,281$100,049$93,298$84,893
8 years$106,796$98,593$90,983$83,929$77,399$69,357
9 years$93,968$85,843$78,363$71,489$65,181$57,498
10 years$83,712$75,667$68,319$61,624$55,538$48,208
11 years$75,327$67,362$60,147$53,631$47,764$40,782
12 years$68,343$60,460$53,379$47,042$41,392$34,750
13 years$62,439$54,638$47,690$41,531$36,094$29,785
14 years$57,383$49,665$42,850$36,867$31,640$25,654
15 years$53,004$45,370$38,688$32,879$27,858$22,186
16 years$49,177$41,626$35,076$29,439$24,621$19,252
17 years$45,804$38,336$31,918$26,451$21,831$16,756
18 years$42,808$35,424$29,137$23,838$19,411$14,619
19 years$40,132$32,831$26,673$21,539$17,302$12,782
20 years$37,725$30,508$24,480$19,508$15,454$11,197
21 years$35,551$28,417$22,517$17,705$13,830$9,824
22 years$33,577$26,526$20,752$16,098$12,396$8,631
23 years$31,778$24,809$19,161$14,660$11,128$7,592
24 years$30,131$23,245$17,721$13,371$10,002$6,685
25 years$28,618$21,814$16,413$12,211$9,000$5,891
26 years$27,223$20,502$15,222$11,165$8,107$5,197
27 years$25,934$19,294$14,135$10,220$7,309$4,587
28 years$24,739$18,181$13,141$9,364$6,595$4,051
29 years$23,629$17,152$12,228$8,587$5,955$3,580
30 years$22,595$16,198$11,390$7,880$5,381$3,165
31 years$21,629$15,312$10,619$7,238$4,865$2,799
32 years$20,726$14,489$9,908$6,652$4,401$2,477
33 years$19,878$13,721$9,251$6,117$3,983$2,192
34 years$19,083$13,004$8,643$5,628$3,606$1,941
35 years$18,335$12,334$8,081$5,181$3,266$1,719
36 years$17,629$11,707$7,560$4,771$2,959$1,522
37 years$16,964$11,119$7,076$4,396$2,682$1,349
38 years$16,335$10,567$6,626$4,052$2,431$1,195
39 years$15,740$10,048$6,208$3,736$2,205$1,059
40 years$15,175$9,560$5,819$3,446$2,000$939
41 years$14,640$9,100$5,456$3,179$1,814$832
42 years$14,132$8,667$5,118$2,934$1,646$738
43 years$13,649$8,258$4,802$2,709$1,494$654
44 years$13,188$7,871$4,508$2,501$1,356$580
45 years$12,750$7,506$4,233$2,310$1,231$514
46 years$12,332$7,161$3,976$2,134$1,118$456
47 years$11,933$6,833$3,735$1,971$1,015$405
48 years$11,551$6,523$3,510$1,821$922$359
49 years$11,186$6,229$3,299$1,683$837$318
50 years$10,837$5,951$3,102$1,556$760$282

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,100,000, adding $2,043 every year, while hoping to spend $30,447 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: 90/5/5 Blend
34$11,100,000$11,100,000$11,100,000$11,100,000
35$12,234,307$11,646,007$11,473,957$13,337,534
36$13,449,811$12,184,266$11,825,940$14,592,801
37$14,788,276$12,747,880$12,188,693$15,968,695
38$16,262,212$13,338,057$12,562,545$17,480,919
39$17,885,403$13,956,068$12,947,837$19,143,229
40$19,673,040$14,603,241$13,344,915$20,970,778
41$21,641,861$15,280,970$13,754,140$22,980,259
42$23,810,310$15,990,717$14,175,883$25,190,060
43$26,198,712$16,734,012$14,610,525$27,620,441
44$28,829,462$17,512,461$15,058,459$30,293,718
45$31,727,241$18,327,745$15,520,092$33,234,477
46$34,919,245$19,181,630$15,995,840$36,469,806
47$38,435,442$20,075,963$16,486,134$40,029,547
48$42,308,855$21,012,684$16,991,418$43,946,578
49$46,575,876$21,993,823$17,512,148$48,257,121
50$51,276,606$23,021,511$18,048,796$53,001,085
51$56,455,235$24,097,980$18,601,846$58,222,440
52$62,160,459$25,225,572$19,171,798$63,969,631
53$68,445,940$26,406,739$19,759,167$70,296,037
54$75,370,811$27,644,054$20,364,485$77,260,467
55$83,000,236$28,940,215$20,988,297$84,927,721
56$91,406,023$30,298,048$21,631,167$93,369,195
57$100,667,302$31,720,517$22,293,676$102,663,557
58$110,871,274$33,210,730$22,976,422$112,897,487
59$122,114,033$34,771,945$23,680,021$124,166,493
60$134,501,471$36,407,576$24,405,108$136,575,812
61$148,150,279$38,121,206$25,152,337$150,241,398
62$163,189,050$39,916,587$25,922,383$165,291,024
63$179,759,490$41,797,657$26,715,940$181,865,474
64$198,017,757$43,768,541$27,533,723$200,119,882
65$218,135,936$45,833,567$28,376,470$220,225,184
66$240,303,660$47,997,271$29,244,941$242,369,739
67$264,729,905$50,264,409$30,139,918$266,761,096
68$291,644,958$52,639,967$31,062,208$293,627,959
69$321,302,593$55,129,175$32,012,641$323,222,338
70$353,982,467$57,737,515$32,992,075$355,821,929
71$389,992,760$60,470,734$34,001,390$391,732,732
72$429,673,080$63,334,859$35,041,496$431,291,935
73$473,397,677$66,336,210$36,113,328$474,871,097
74$521,578,968$69,481,412$37,217,853$522,879,651
75$574,671,435$72,777,413$38,356,062$575,768,770
76$633,175,912$76,231,497$39,528,982$634,035,616
77$697,644,318$79,851,303$40,737,665$698,228,037
78$768,684,862$83,644,840$41,983,201$768,949,732
79$846,967,787$87,620,507$43,266,707$846,865,946
80$933,231,699$91,787,109$44,589,339$932,709,750
81$1,028,290,535$96,153,880$45,952,285$1,027,288,954
82$1,133,041,252$100,730,503$47,356,769$1,131,493,732
83$1,248,472,292$105,527,130$48,804,054$1,246,305,017
84$1,375,672,915$110,554,409$50,295,438$1,372,803,763
85$1,515,843,480$115,823,502$51,832,263$1,512,181,142
86$1,670,306,778$121,346,117$53,415,907$1,665,749,784
87$1,840,520,521$127,134,528$55,047,791$1,834,956,166
88$2,028,091,103$133,201,609$56,729,381$2,021,394,260
89$2,234,788,765$139,560,857$58,462,185$2,226,820,577
90$2,462,564,308$146,226,429$60,247,758$2,453,170,747
91$2,713,567,511$153,213,167$62,087,700$2,702,577,778
92$2,990,167,421$160,536,636$63,983,663$2,977,392,199
93$3,294,974,727$168,213,161$65,937,345$3,280,204,231
94$3,630,866,401$176,259,857$67,950,497$3,613,868,245
95$4,001,012,860$184,694,675$70,024,924$3,981,529,696
96$4,408,907,896$193,536,440$72,162,484$4,386,654,813
97$4,858,401,666$202,804,890$74,365,092$4,833,063,313
98$5,353,737,033$212,520,726$76,634,720$5,324,964,458
99$5,899,589,627$222,705,659$78,973,400$5,866,996,781
100$6,501,111,986$233,382,452$81,383,225$6,464,271,873