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%17.9%
1 years$916,628$908,463$900,497$892,722$885,130$856,796
2 years$453,776$445,325$437,134$429,193$421,490$393,206
3 years$299,512$291,025$282,855$274,988$267,411$240,063
4 years$222,396$213,934$205,846$198,114$190,720$164,519
5 years$176,138$167,727$159,745$152,170$144,982$119,998
6 years$145,309$136,962$129,098$121,692$114,719$90,972
7 years$123,297$115,020$107,281$100,049$93,298$70,786
8 years$106,796$98,593$90,983$83,929$77,399$56,107
9 years$93,968$85,843$78,363$71,489$65,181$45,085
10 years$83,712$75,667$68,319$61,624$55,538$36,606
11 years$75,327$67,362$60,147$53,631$47,764$29,963
12 years$68,343$60,460$53,379$47,042$41,392$24,681
13 years$62,439$54,638$47,690$41,531$36,094$20,435
14 years$57,383$49,665$42,850$36,867$31,640$16,989
15 years$53,004$45,370$38,688$32,879$27,858$14,171
16 years$49,177$41,626$35,076$29,439$24,621$11,853
17 years$45,804$38,336$31,918$26,451$21,831$9,937
18 years$42,808$35,424$29,137$23,838$19,411$8,346
19 years$40,132$32,831$26,673$21,539$17,302$7,021
20 years$37,725$30,508$24,480$19,508$15,454$5,914
21 years$35,551$28,417$22,517$17,705$13,830$4,987
22 years$33,577$26,526$20,752$16,098$12,396$4,209
23 years$31,778$24,809$19,161$14,660$11,128$3,555
24 years$30,131$23,245$17,721$13,371$10,002$3,005
25 years$28,618$21,814$16,413$12,211$9,000$2,541
26 years$27,223$20,502$15,222$11,165$8,107$2,150
27 years$25,934$19,294$14,135$10,220$7,309$1,820
28 years$24,739$18,181$13,141$9,364$6,595$1,541
29 years$23,629$17,152$12,228$8,587$5,955$1,305
30 years$22,595$16,198$11,390$7,880$5,381$1,105
31 years$21,629$15,312$10,619$7,238$4,865$936
32 years$20,726$14,489$9,908$6,652$4,401$793
33 years$19,878$13,721$9,251$6,117$3,983$672
34 years$19,083$13,004$8,643$5,628$3,606$570
35 years$18,335$12,334$8,081$5,181$3,266$483
36 years$17,629$11,707$7,560$4,771$2,959$410
37 years$16,964$11,119$7,076$4,396$2,682$347
38 years$16,335$10,567$6,626$4,052$2,431$294
39 years$15,740$10,048$6,208$3,736$2,205$250
40 years$15,175$9,560$5,819$3,446$2,000$212
41 years$14,640$9,100$5,456$3,179$1,814$180
42 years$14,132$8,667$5,118$2,934$1,646$152
43 years$13,649$8,258$4,802$2,709$1,494$129
44 years$13,188$7,871$4,508$2,501$1,356$110
45 years$12,750$7,506$4,233$2,310$1,231$93
46 years$12,332$7,161$3,976$2,134$1,118$79
47 years$11,933$6,833$3,735$1,971$1,015$67
48 years$11,551$6,523$3,510$1,821$922$57
49 years$11,186$6,229$3,299$1,683$837$48
50 years$10,837$5,951$3,102$1,556$760$41

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 $2,396 every year, while hoping to spend $28,454 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: 76/19/5 Blend
34$11,100,000$11,100,000$11,100,000$11,100,000
35$12,234,671$11,646,371$11,474,321$13,160,737
36$13,452,333$12,186,769$11,828,436$14,309,457
37$14,793,243$12,752,692$12,193,461$15,564,237
38$16,269,941$13,345,362$12,569,729$16,938,657
39$17,896,248$13,966,058$12,957,588$18,444,565
40$19,687,392$14,616,121$13,357,394$20,095,000
41$21,660,153$15,296,958$13,769,514$21,904,316
42$23,833,022$16,010,042$14,194,326$23,888,313
43$26,226,375$16,756,918$14,632,220$26,064,384
44$28,862,664$17,539,207$15,083,599$28,451,677
45$31,766,634$18,358,606$15,548,877$31,071,275
46$34,965,547$19,216,894$16,028,481$33,946,390
47$38,489,449$20,115,938$16,522,852$37,102,578
48$42,371,448$21,057,694$17,032,442$40,567,983
49$46,648,027$22,044,212$17,557,720$44,373,593
50$51,359,390$23,077,643$18,099,168$48,553,532
51$56,549,839$24,160,239$18,657,282$53,145,380
52$62,268,196$25,294,364$19,232,574$58,190,524
53$68,568,259$26,482,495$19,825,572$63,734,540
54$75,509,313$27,727,228$20,436,820$69,827,629
55$83,156,687$29,031,287$21,066,878$76,525,075
56$91,582,375$30,397,526$21,716,324$83,887,775
57$100,865,709$31,828,937$22,385,753$91,982,797
58$111,094,114$33,328,658$23,075,779$100,884,019
59$122,363,930$34,899,978$23,787,033$110,672,817
60$134,781,321$36,546,347$24,520,169$121,438,825
61$148,463,278$38,271,381$25,275,857$133,280,782
62$163,538,725$40,078,870$26,054,791$146,307,455
63$180,149,731$41,972,791$26,857,682$160,638,660
64$198,452,856$43,957,310$27,685,267$176,406,389
65$218,620,627$46,036,798$28,538,303$193,756,045
66$240,843,167$48,215,837$29,417,572$212,847,815
67$265,329,988$50,499,231$30,323,879$233,858,167
68$292,311,970$52,892,017$31,258,052$256,981,517
69$322,043,541$55,399,476$32,220,948$282,432,050
70$354,805,079$58,027,147$33,213,446$310,445,737
71$390,905,557$60,780,837$34,236,456$341,282,553
72$430,685,459$63,666,634$35,290,913$375,228,924
73$474,519,999$66,690,922$36,377,782$412,600,421
74$522,822,658$69,860,396$37,498,056$453,744,727
75$576,049,089$73,182,075$38,652,760$499,044,915
76$634,701,419$76,663,319$39,842,951$548,923,047
77$699,332,989$80,311,848$41,069,716$603,844,153
78$770,553,578$84,135,753$42,334,176$664,320,606
79$849,035,160$88,143,521$43,637,487$730,916,947
80$935,518,243$92,344,051$44,980,840$804,255,205
81$1,030,818,869$96,746,674$46,365,462$885,020,752
82$1,135,836,307$101,361,175$47,792,620$973,968,763
83$1,251,561,553$106,197,815$49,263,615$1,071,931,327
84$1,379,086,677$111,267,354$50,779,791$1,179,825,289
85$1,519,615,138$116,581,074$52,342,534$1,298,660,892
86$1,674,473,143$122,150,807$53,953,270$1,429,551,292
87$1,845,122,168$127,988,961$55,613,469$1,573,723,055
88$2,033,172,755$134,108,547$57,324,647$1,732,527,713
89$2,240,399,719$140,523,208$59,088,365$1,907,454,510
90$2,468,758,898$147,247,253$60,906,233$2,100,144,434
91$2,720,405,624$154,295,686$62,779,909$2,312,405,695
92$2,997,715,064$161,684,242$64,711,103$2,546,230,770
93$3,303,304,652$169,429,421$66,701,577$2,803,815,190
94$3,640,058,792$177,548,527$68,753,144$3,087,578,245
95$4,011,156,091$186,059,708$70,867,677$3,400,185,797
96$4,420,099,370$194,981,992$73,047,102$3,744,575,421
97$4,870,748,733$204,335,336$75,293,408$4,123,984,111
98$5,367,358,007$214,140,671$77,608,640$4,541,978,810
99$5,914,614,903$224,419,943$79,994,908$5,002,490,055
100$6,517,685,273$235,196,170$82,454,388$5,509,849,051