Can I retire at age 35 with 11,300,000?

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 $11,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$933,143$924,831$916,722$908,807$901,078$887,612
2 years$461,952$453,349$445,011$436,926$429,085$415,549
3 years$304,909$296,268$287,951$279,943$272,229$259,044
4 years$226,403$217,789$209,555$201,683$194,156$181,423
5 years$179,311$170,749$162,623$154,912$147,594$135,351
6 years$147,927$139,429$131,424$123,884$116,786$105,046
7 years$125,519$117,093$109,214$101,852$94,979$83,746
8 years$108,720$100,370$92,622$85,441$78,794$68,066
9 years$95,662$87,390$79,775$72,777$66,356$56,129
10 years$85,221$77,030$69,550$62,734$56,538$46,804
11 years$76,684$68,575$61,231$54,598$48,625$39,373
12 years$69,575$61,550$54,341$47,890$42,137$33,357
13 years$63,564$55,623$48,550$42,279$36,745$28,423
14 years$58,417$50,560$43,622$37,531$32,210$24,334
15 years$53,959$46,187$39,385$33,471$28,360$20,916
16 years$50,063$42,376$35,708$29,970$25,065$18,038
17 years$46,629$39,027$32,493$26,927$22,224$15,600
18 years$43,580$36,062$29,662$24,267$19,761$13,523
19 years$40,855$33,422$27,154$21,927$17,613$11,746
20 years$38,405$31,057$24,921$19,859$15,732$10,221
21 years$36,192$28,929$22,922$18,024$14,079$8,907
22 years$34,182$27,004$21,126$16,388$12,620$7,772
23 years$32,350$25,256$19,506$14,925$11,328$6,789
24 years$30,673$23,664$18,040$13,612$10,182$5,937
25 years$29,133$22,207$16,709$12,431$9,162$5,195
26 years$27,714$20,871$15,497$11,367$8,253$4,550
27 years$26,402$19,642$14,390$10,404$7,441$3,987
28 years$25,185$18,509$13,377$9,532$6,714$3,496
29 years$24,055$17,461$12,449$8,741$6,063$3,067
30 years$23,002$16,490$11,596$8,022$5,478$2,691
31 years$22,019$15,588$10,810$7,368$4,953$2,363
32 years$21,099$14,750$10,086$6,771$4,480$2,075
33 years$20,237$13,968$9,417$6,227$4,054$1,823
34 years$19,427$13,239$8,799$5,729$3,671$1,602
35 years$18,665$12,557$8,227$5,274$3,325$1,408
36 years$17,947$11,918$7,696$4,857$3,012$1,238
37 years$17,269$11,320$7,203$4,475$2,730$1,088
38 years$16,629$10,758$6,745$4,125$2,475$957
39 years$16,023$10,229$6,320$3,803$2,245$841
40 years$15,449$9,732$5,923$3,508$2,036$740
41 years$14,904$9,264$5,554$3,237$1,847$651
42 years$14,387$8,823$5,210$2,987$1,676$573
43 years$13,894$8,407$4,889$2,757$1,521$504
44 years$13,426$8,013$4,589$2,546$1,381$443
45 years$12,980$7,641$4,309$2,351$1,253$390
46 years$12,554$7,290$4,047$2,172$1,138$343
47 years$12,148$6,956$3,802$2,007$1,033$302
48 years$11,759$6,641$3,573$1,854$938$266
49 years$11,388$6,342$3,358$1,714$852$234
50 years$11,033$6,058$3,157$1,584$774$206

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,300,000, adding $5,023 every year, while hoping to spend $27,331 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: 44/42/14 Blend
34$11,300,000$11,300,000$11,300,000$11,300,000
35$12,457,781$11,858,881$11,683,731$12,955,470
36$13,699,395$12,410,886$12,046,056$13,855,535
37$15,066,737$12,989,024$12,419,603$14,827,360
38$16,572,604$13,594,545$12,804,719$15,880,094
39$18,231,094$14,228,762$13,201,762$17,021,203
40$20,057,744$14,893,051$13,611,100$18,258,879
41$22,069,676$15,588,853$14,033,114$19,602,115
42$24,285,756$16,317,679$14,468,196$21,060,781
43$26,726,772$17,081,114$14,916,749$22,645,714
44$29,415,634$17,880,820$15,379,191$24,368,814
45$32,377,586$18,718,537$15,855,951$26,243,151
46$35,640,445$19,596,091$16,347,472$28,283,082
47$39,234,868$20,515,397$16,854,209$30,504,381
48$43,194,633$21,478,460$17,376,633$32,924,378
49$47,556,965$22,487,384$17,915,230$35,562,120
50$52,362,884$23,544,374$18,470,499$38,438,541
51$57,657,592$24,651,743$19,042,955$41,576,652
52$63,490,903$25,811,914$19,633,130$45,001,750
53$69,917,706$27,027,429$20,241,571$48,741,651
54$76,998,491$28,300,953$20,868,843$52,826,940
55$84,799,916$29,635,278$21,515,528$57,291,253
56$93,395,435$31,033,334$22,182,225$62,171,584
57$102,865,993$32,498,191$22,869,554$67,508,624
58$113,300,791$34,033,069$23,578,151$73,347,136
59$124,798,127$35,641,345$24,308,674$79,736,364
60$137,466,321$37,326,556$25,061,800$86,730,490
61$151,424,743$39,092,414$25,838,227$94,389,128
62$166,804,935$40,942,810$26,638,676$102,777,879
63$183,751,854$42,881,825$27,463,888$111,968,936
64$202,425,244$44,913,734$28,314,628$122,041,750
65$223,001,136$47,043,024$29,191,685$133,083,766
66$245,673,517$49,274,398$30,095,872$145,191,233
67$270,656,158$51,612,786$31,028,027$158,470,100
68$298,184,634$54,063,360$31,989,012$173,036,994
69$328,518,542$56,631,540$32,979,720$189,020,307
70$361,943,960$59,323,012$34,001,067$206,561,390
71$398,776,141$62,143,737$35,054,000$225,815,866
72$439,362,492$65,099,965$36,139,494$246,955,082
73$484,085,854$68,198,251$37,258,555$270,167,701
74$533,368,113$71,445,467$38,412,218$295,661,467
75$587,674,185$74,848,819$39,601,552$323,665,138
76$647,516,406$78,415,866$40,827,658$354,430,624
77$713,459,367$82,154,530$42,091,672$388,235,340
78$786,125,242$86,073,123$43,394,763$425,384,797
79$866,199,667$90,180,356$44,738,138$466,215,458
80$954,438,208$94,485,368$46,123,040$511,097,889
81$1,051,673,494$98,997,740$47,550,751$560,440,222
82$1,158,823,081$103,727,519$49,022,591$614,691,980
83$1,276,898,110$108,685,243$50,539,924$674,348,285
84$1,407,012,858$113,881,960$52,104,151$739,954,498
85$1,550,395,250$119,329,257$53,716,722$812,111,330
86$1,708,398,460$125,039,285$55,379,126$891,480,477
87$1,882,513,679$131,024,786$57,092,902$978,790,826
88$2,074,384,194$137,299,121$58,859,635$1,074,845,289
89$2,285,820,908$143,876,303$60,680,958$1,180,528,347
90$2,518,819,425$150,771,027$62,558,556$1,296,814,348
91$2,775,578,903$157,998,704$64,494,163$1,424,776,659
92$3,058,522,804$165,575,493$66,489,571$1,565,597,749
93$3,370,321,781$173,518,343$68,546,622$1,720,580,297
94$3,713,918,887$181,845,027$70,667,219$1,891,159,438
95$4,092,557,363$190,574,183$72,853,320$2,078,916,249
96$4,509,811,255$199,725,358$75,106,947$2,285,592,619
97$4,969,619,154$209,319,052$77,430,181$2,513,107,624
98$5,476,321,384$219,376,762$79,825,168$2,763,575,584
99$6,034,700,975$229,921,033$82,294,122$3,039,325,948
100$6,650,028,822$240,975,511$84,839,321$3,342,925,214