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%13.9%
1 years$916,628$908,463$900,497$892,722$885,130$870,825
2 years$453,776$445,325$437,134$429,193$421,490$407,118
3 years$299,512$291,025$282,855$274,988$267,411$253,418
4 years$222,396$213,934$205,846$198,114$190,720$177,214
5 years$176,138$167,727$159,745$152,170$144,982$132,003
6 years$145,309$136,962$129,098$121,692$114,719$102,282
7 years$123,297$115,020$107,281$100,049$93,298$81,405
8 years$106,796$98,593$90,983$83,929$77,399$66,050
9 years$93,968$85,843$78,363$71,489$65,181$54,369
10 years$83,712$75,667$68,319$61,624$55,538$45,253
11 years$75,327$67,362$60,147$53,631$47,764$37,997
12 years$68,343$60,460$53,379$47,042$41,392$32,129
13 years$62,439$54,638$47,690$41,531$36,094$27,323
14 years$57,383$49,665$42,850$36,867$31,640$23,346
15 years$53,004$45,370$38,688$32,879$27,858$20,025
16 years$49,177$41,626$35,076$29,439$24,621$17,234
17 years$45,804$38,336$31,918$26,451$21,831$14,872
18 years$42,808$35,424$29,137$23,838$19,411$12,864
19 years$40,132$32,831$26,673$21,539$17,302$11,150
20 years$37,725$30,508$24,480$19,508$15,454$9,680
21 years$35,551$28,417$22,517$17,705$13,830$8,417
22 years$33,577$26,526$20,752$16,098$12,396$7,327
23 years$31,778$24,809$19,161$14,660$11,128$6,386
24 years$30,131$23,245$17,721$13,371$10,002$5,571
25 years$28,618$21,814$16,413$12,211$9,000$4,864
26 years$27,223$20,502$15,222$11,165$8,107$4,249
27 years$25,934$19,294$14,135$10,220$7,309$3,715
28 years$24,739$18,181$13,141$9,364$6,595$3,249
29 years$23,629$17,152$12,228$8,587$5,955$2,843
30 years$22,595$16,198$11,390$7,880$5,381$2,489
31 years$21,629$15,312$10,619$7,238$4,865$2,180
32 years$20,726$14,489$9,908$6,652$4,401$1,910
33 years$19,878$13,721$9,251$6,117$3,983$1,674
34 years$19,083$13,004$8,643$5,628$3,606$1,467
35 years$18,335$12,334$8,081$5,181$3,266$1,286
36 years$17,629$11,707$7,560$4,771$2,959$1,128
37 years$16,964$11,119$7,076$4,396$2,682$989
38 years$16,335$10,567$6,626$4,052$2,431$867
39 years$15,740$10,048$6,208$3,736$2,205$761
40 years$15,175$9,560$5,819$3,446$2,000$667
41 years$14,640$9,100$5,456$3,179$1,814$586
42 years$14,132$8,667$5,118$2,934$1,646$514
43 years$13,649$8,258$4,802$2,709$1,494$451
44 years$13,188$7,871$4,508$2,501$1,356$396
45 years$12,750$7,506$4,233$2,310$1,231$347
46 years$12,332$7,161$3,976$2,134$1,118$305
47 years$11,933$6,833$3,735$1,971$1,015$267
48 years$11,551$6,523$3,510$1,821$922$235
49 years$11,186$6,229$3,299$1,683$837$206
50 years$10,837$5,951$3,102$1,556$760$181

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 $5,934 every year, while hoping to spend $59,362 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: 70/7/23 Blend
34$11,100,000$11,100,000$11,100,000$11,100,000
35$12,238,321$11,650,021$11,477,971$13,023,968
36$13,423,469$12,157,711$11,799,322$14,057,576
37$14,727,513$12,688,289$12,129,449$15,181,112
38$16,162,516$13,242,812$12,468,583$16,409,576
39$17,741,774$13,822,391$12,816,961$17,753,359
40$19,479,932$14,428,185$13,174,827$19,223,904
41$21,393,129$15,061,411$13,542,428$20,833,810
42$23,499,150$15,723,341$13,920,021$22,596,947
43$25,817,588$16,415,310$14,307,867$24,528,592
44$28,370,035$17,138,713$14,706,233$26,645,567
45$31,180,282$17,895,013$15,115,395$28,966,397
46$34,274,544$18,685,742$15,535,634$31,511,483
47$37,681,707$19,512,503$15,967,237$34,303,296
48$41,433,603$20,376,978$16,410,501$37,366,584
49$45,565,305$21,280,924$16,865,728$40,728,604
50$50,115,464$22,226,187$17,333,228$44,419,380
51$55,126,667$23,214,696$17,813,317$48,471,981
52$60,645,845$24,248,474$18,306,321$52,922,837
53$66,724,711$25,329,640$18,812,573$57,812,072
54$73,420,251$26,460,411$19,332,413$63,183,891
55$80,795,259$27,643,114$19,866,191$69,086,987
56$88,918,931$28,880,182$20,414,264$75,575,001
57$97,867,518$30,174,168$20,976,999$82,707,029
58$107,725,045$31,527,742$21,554,768$90,548,172
59$118,584,104$32,943,705$22,147,957$99,170,153
60$130,546,727$34,424,991$22,756,957$108,651,988
61$143,725,348$35,974,671$23,382,171$119,080,732
62$158,243,869$37,595,966$24,024,010$130,552,296
63$174,238,824$39,292,247$24,682,893$143,172,349
64$191,860,667$41,067,051$25,359,253$157,057,316
65$211,275,196$42,924,078$26,053,530$172,335,470
66$232,665,118$44,867,209$26,766,174$189,148,142
67$256,231,766$46,900,508$27,497,648$207,651,051
68$282,197,009$49,028,236$28,248,422$228,015,771
69$310,805,339$51,254,855$29,018,979$250,431,346
70$342,326,183$53,585,041$29,809,814$275,106,072
71$377,056,441$56,023,696$30,621,430$302,269,461
72$415,323,295$58,575,954$31,454,345$332,174,398
73$457,487,291$61,247,196$32,309,086$365,099,532
74$503,945,747$64,043,061$33,186,193$401,351,896
75$555,136,501$66,969,459$34,086,217$441,269,802
76$611,542,042$70,032,580$35,009,724$485,226,034
77$673,694,070$73,238,916$35,957,289$533,631,358
78$742,178,508$76,595,267$36,929,502$586,938,396
79$817,641,040$80,108,759$37,926,964$645,645,895
80$900,793,201$83,786,863$38,950,292$710,303,429
81$992,419,095$87,637,406$40,000,114$781,516,579
82$1,093,382,796$91,668,593$41,077,072$859,952,650
83$1,204,636,510$95,889,022$42,181,822$946,346,959
84$1,327,229,555$100,307,705$43,315,034$1,041,509,773
85$1,462,318,274$104,934,088$44,477,392$1,146,333,953
86$1,611,176,949$109,778,069$45,669,596$1,261,803,371
87$1,775,209,829$114,850,025$46,892,358$1,389,002,199
88$1,955,964,386$120,160,831$48,146,407$1,529,125,130
89$2,155,145,928$125,721,886$49,432,486$1,683,488,650
90$2,374,633,691$131,545,138$50,751,353$1,853,543,464
91$2,616,498,588$137,643,109$52,103,784$2,040,888,175
92$2,883,022,750$144,028,928$53,490,566$2,247,284,373
93$3,176,721,078$150,716,352$54,912,508$2,474,673,256
94$3,500,364,980$157,719,806$56,370,429$2,725,193,943
95$3,857,008,538$165,054,407$57,865,169$3,001,203,663
96$4,250,017,339$172,736,003$59,397,582$3,305,299,998
97$4,683,100,247$180,781,206$60,968,540$3,640,345,392
98$5,160,344,417$189,207,430$62,578,931$4,009,494,169
99$5,686,253,882$198,032,929$64,229,660$4,416,222,297
100$6,265,792,074$207,276,839$65,921,650$4,864,360,192