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%11.2%
1 years$916,628$908,463$900,497$892,722$885,130$880,659
2 years$453,776$445,325$437,134$429,193$421,490$416,979
3 years$299,512$291,025$282,855$274,988$267,411$262,998
4 years$222,396$213,934$205,846$198,114$190,720$186,439
5 years$176,138$167,727$159,745$152,170$144,982$140,846
6 years$145,309$136,962$129,098$121,692$114,719$110,734
7 years$123,297$115,020$107,281$100,049$93,298$89,465
8 years$106,796$98,593$90,983$83,929$77,399$73,719
9 years$93,968$85,843$78,363$71,489$65,181$61,653
10 years$83,712$75,667$68,319$61,624$55,538$52,160
11 years$75,327$67,362$60,147$53,631$47,764$44,534
12 years$68,343$60,460$53,379$47,042$41,392$38,307
13 years$62,439$54,638$47,690$41,531$36,094$33,152
14 years$57,383$49,665$42,850$36,867$31,640$28,836
15 years$53,004$45,370$38,688$32,879$27,858$25,190
16 years$49,177$41,626$35,076$29,439$24,621$22,085
17 years$45,804$38,336$31,918$26,451$21,831$19,423
18 years$42,808$35,424$29,137$23,838$19,411$17,127
19 years$40,132$32,831$26,673$21,539$17,302$15,137
20 years$37,725$30,508$24,480$19,508$15,454$13,405
21 years$35,551$28,417$22,517$17,705$13,830$11,892
22 years$33,577$26,526$20,752$16,098$12,396$10,566
23 years$31,778$24,809$19,161$14,660$11,128$9,401
24 years$30,131$23,245$17,721$13,371$10,002$8,373
25 years$28,618$21,814$16,413$12,211$9,000$7,466
26 years$27,223$20,502$15,222$11,165$8,107$6,663
27 years$25,934$19,294$14,135$10,220$7,309$5,952
28 years$24,739$18,181$13,141$9,364$6,595$5,320
29 years$23,629$17,152$12,228$8,587$5,955$4,758
30 years$22,595$16,198$11,390$7,880$5,381$4,258
31 years$21,629$15,312$10,619$7,238$4,865$3,813
32 years$20,726$14,489$9,908$6,652$4,401$3,416
33 years$19,878$13,721$9,251$6,117$3,983$3,061
34 years$19,083$13,004$8,643$5,628$3,606$2,744
35 years$18,335$12,334$8,081$5,181$3,266$2,461
36 years$17,629$11,707$7,560$4,771$2,959$2,207
37 years$16,964$11,119$7,076$4,396$2,682$1,981
38 years$16,335$10,567$6,626$4,052$2,431$1,777
39 years$15,740$10,048$6,208$3,736$2,205$1,596
40 years$15,175$9,560$5,819$3,446$2,000$1,433
41 years$14,640$9,100$5,456$3,179$1,814$1,286
42 years$14,132$8,667$5,118$2,934$1,646$1,155
43 years$13,649$8,258$4,802$2,709$1,494$1,038
44 years$13,188$7,871$4,508$2,501$1,356$932
45 years$12,750$7,506$4,233$2,310$1,231$837
46 years$12,332$7,161$3,976$2,134$1,118$752
47 years$11,933$6,833$3,735$1,971$1,015$676
48 years$11,551$6,523$3,510$1,821$922$608
49 years$11,186$6,229$3,299$1,683$837$546
50 years$10,837$5,951$3,102$1,556$760$491

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 $6,811 every year, while hoping to spend $23,976 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: 27/47/26 Blend
34$11,100,000$11,100,000$11,100,000$11,100,000
35$12,239,226$11,650,926$11,478,876$12,469,987
36$13,462,116$12,196,311$11,837,908$13,201,142
37$14,808,938$12,767,616$12,208,164$13,983,085
38$16,292,307$13,366,086$12,589,994$14,822,161
39$17,926,125$13,993,027$12,983,761$15,723,248
40$19,725,710$14,649,806$13,389,838$16,691,677
41$21,707,943$15,337,857$13,808,608$17,733,282
42$23,891,425$16,058,684$14,240,469$18,854,446
43$26,296,655$16,813,864$14,685,829$20,062,154
44$28,946,220$17,605,049$15,145,110$21,364,056
45$31,865,010$18,433,972$15,618,747$22,768,529
46$35,080,455$19,302,451$16,107,189$24,284,751
47$38,622,780$20,212,389$16,610,898$25,922,777
48$42,525,291$21,165,784$17,130,350$27,693,632
49$46,824,692$22,164,729$17,666,039$29,609,400
50$51,561,430$23,211,420$18,218,471$31,683,334
51$56,780,075$24,308,158$18,788,168$33,929,971
52$62,529,742$25,457,357$19,375,671$36,365,260
53$68,864,554$26,661,547$19,981,535$39,006,702
54$75,844,157$27,923,380$20,606,334$41,873,506
55$83,534,274$29,245,640$21,250,660$44,986,757
56$92,007,335$30,631,241$21,915,122$48,369,608
57$101,343,154$32,083,242$22,600,349$52,047,483
58$111,629,685$33,604,851$23,306,990$56,048,309
59$122,963,853$35,199,428$24,035,714$60,402,762
60$135,452,465$36,870,500$24,787,210$65,144,544
61$149,213,225$38,621,762$25,562,190$70,310,690
62$164,375,837$40,457,092$26,361,387$75,941,902
63$181,083,236$42,380,553$27,185,557$82,082,915
64$199,492,933$44,396,407$28,035,480$88,782,905
65$219,778,504$46,509,123$28,911,960$96,095,939
66$242,131,228$48,723,386$29,815,828$104,081,462
67$266,761,893$51,044,112$30,747,937$112,804,845
68$293,902,783$53,476,451$31,709,170$122,337,980
69$323,809,877$56,025,806$32,700,437$132,759,937
70$356,765,257$58,697,844$33,722,675$144,157,694
71$393,079,780$61,498,505$34,776,851$156,626,931
72$433,096,005$64,434,019$35,863,963$170,272,914
73$477,191,431$67,510,919$36,985,039$185,211,461
74$525,782,059$70,736,056$38,141,140$201,570,011
75$579,326,319$74,116,613$39,333,358$219,488,803
76$638,329,400$77,660,124$40,562,823$239,122,166
77$703,348,018$81,374,488$41,830,696$260,639,953
78$774,995,668$85,267,991$43,138,176$284,229,111
79$853,948,422$89,349,319$44,486,501$310,095,414
80$940,951,308$93,627,582$45,876,946$338,465,373
81$1,036,825,343$98,112,335$47,310,825$369,588,335
82$1,142,475,285$102,813,597$48,789,495$403,738,807
83$1,258,898,175$107,741,873$50,314,354$441,219,005
84$1,387,192,747$112,908,184$51,886,843$482,361,667
85$1,528,569,805$118,324,082$53,508,450$527,533,150
86$1,684,363,650$124,001,687$55,180,707$577,136,850
87$1,856,044,678$129,953,705$56,905,197$631,616,959
88$2,045,233,263$136,193,465$58,683,549$691,462,612
89$2,253,715,053$142,734,942$60,517,445$757,212,453
90$2,483,457,827$149,592,792$62,408,618$829,459,668
91$2,736,630,075$156,782,389$64,358,856$908,857,528
92$3,015,621,468$164,319,851$66,370,003$996,125,500
93$3,323,065,419$172,222,086$68,443,960$1,092,055,975
94$3,661,863,947$180,506,823$70,582,687$1,197,521,689
95$4,035,215,068$189,192,656$72,788,206$1,313,483,891
96$4,446,642,996$198,299,086$75,062,602$1,441,001,350
97$4,900,031,405$207,846,566$77,408,023$1,581,240,275
98$5,399,660,104$217,856,543$79,826,687$1,735,485,252
99$5,950,245,433$228,351,511$82,320,879$1,905,151,286
100$6,556,984,795$239,355,064$84,892,957$2,091,797,076