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%15.6%
1 years$933,143$924,831$916,722$908,807$901,078$880,367
2 years$461,952$453,349$445,011$436,926$429,085$408,334
3 years$304,909$296,268$287,951$279,943$272,229$252,086
4 years$226,403$217,789$209,555$201,683$194,156$174,775
5 years$179,311$170,749$162,623$154,912$147,594$129,031
6 years$147,927$139,429$131,424$123,884$116,786$99,059
7 years$125,519$117,093$109,214$101,852$94,979$78,090
8 years$108,720$100,370$92,622$85,441$78,794$62,738
9 years$95,662$87,390$79,775$72,777$66,356$51,120
10 years$85,221$77,030$69,550$62,734$56,538$42,107
11 years$76,684$68,575$61,231$54,598$48,625$34,977
12 years$69,575$61,550$54,341$47,890$42,137$29,252
13 years$63,564$55,623$48,550$42,279$36,745$24,597
14 years$58,417$50,560$43,622$37,531$32,210$20,776
15 years$53,959$46,187$39,385$33,471$28,360$17,613
16 years$50,063$42,376$35,708$29,970$25,065$14,977
17 years$46,629$39,027$32,493$26,927$22,224$12,768
18 years$43,580$36,062$29,662$24,267$19,761$10,908
19 years$40,855$33,422$27,154$21,927$17,613$9,336
20 years$38,405$31,057$24,921$19,859$15,732$8,003
21 years$36,192$28,929$22,922$18,024$14,079$6,869
22 years$34,182$27,004$21,126$16,388$12,620$5,902
23 years$32,350$25,256$19,506$14,925$11,328$5,076
24 years$30,673$23,664$18,040$13,612$10,182$4,369
25 years$29,133$22,207$16,709$12,431$9,162$3,763
26 years$27,714$20,871$15,497$11,367$8,253$3,244
27 years$26,402$19,642$14,390$10,404$7,441$2,797
28 years$25,185$18,509$13,377$9,532$6,714$2,413
29 years$24,055$17,461$12,449$8,741$6,063$2,082
30 years$23,002$16,490$11,596$8,022$5,478$1,798
31 years$22,019$15,588$10,810$7,368$4,953$1,552
32 years$21,099$14,750$10,086$6,771$4,480$1,341
33 years$20,237$13,968$9,417$6,227$4,054$1,158
34 years$19,427$13,239$8,799$5,729$3,671$1,001
35 years$18,665$12,557$8,227$5,274$3,325$865
36 years$17,947$11,918$7,696$4,857$3,012$748
37 years$17,269$11,320$7,203$4,475$2,730$646
38 years$16,629$10,758$6,745$4,125$2,475$559
39 years$16,023$10,229$6,320$3,803$2,245$483
40 years$15,449$9,732$5,923$3,508$2,036$418
41 years$14,904$9,264$5,554$3,237$1,847$361
42 years$14,387$8,823$5,210$2,987$1,676$312
43 years$13,894$8,407$4,889$2,757$1,521$270
44 years$13,426$8,013$4,589$2,546$1,381$234
45 years$12,980$7,641$4,309$2,351$1,253$202
46 years$12,554$7,290$4,047$2,172$1,138$175
47 years$12,148$6,956$3,802$2,007$1,033$151
48 years$11,759$6,641$3,573$1,854$938$131
49 years$11,388$6,342$3,358$1,714$852$113
50 years$11,033$6,058$3,157$1,584$774$98

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 $3,128 every year, while hoping to spend $44,437 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: 48/38/14 Blend
34$11,300,000$11,300,000$11,300,000$11,300,000
35$12,455,827$11,856,927$11,681,777$13,005,045
36$13,679,040$12,390,635$12,025,835$13,918,255
37$15,025,532$12,949,006$12,379,931$14,904,415
38$16,507,830$13,533,202$12,744,352$15,974,203
39$18,139,738$14,144,438$13,119,397$17,135,447
40$19,936,466$14,783,990$13,505,372$18,396,748
41$21,914,774$15,453,194$13,902,590$19,767,547
42$24,093,131$16,153,449$14,311,376$21,258,219
43$26,491,885$16,886,224$14,732,063$22,880,162
44$29,133,463$17,653,054$15,164,992$24,645,899
45$32,042,572$18,455,550$15,610,515$26,569,193
46$35,246,442$19,295,399$16,068,995$28,665,172
47$38,775,075$20,174,370$16,540,803$30,950,466
48$42,661,534$21,094,316$17,026,321$33,443,357
49$46,942,252$22,057,178$17,525,944$36,163,948
50$51,657,373$23,064,992$18,040,075$39,134,344
51$56,851,138$24,119,889$18,569,130$42,378,856
52$62,572,295$25,224,105$19,113,537$45,924,224
53$68,874,564$26,379,981$19,673,735$49,799,859
54$75,817,141$27,589,971$20,250,177$54,038,119
55$83,465,259$28,856,649$20,843,327$58,674,601
56$91,890,799$30,182,708$21,453,662$63,748,472
57$101,172,975$31,570,976$22,081,675$69,302,831
58$111,399,077$33,024,412$22,727,869$75,385,102
59$122,665,294$34,546,119$23,392,764$82,047,480
60$135,077,626$36,139,351$24,076,894$89,347,408
61$148,752,881$37,807,516$24,780,807$97,348,110
62$163,819,778$39,554,188$25,505,067$106,119,181
63$180,420,163$41,383,110$26,250,254$115,737,228
64$198,710,346$43,298,209$27,016,964$126,286,584
65$218,862,578$45,303,599$27,805,809$137,860,092
66$241,066,678$47,403,592$28,617,420$150,559,968
67$265,531,819$49,602,707$29,452,444$164,498,753
68$292,488,509$51,905,685$30,311,545$179,800,362
69$322,190,763$54,317,490$31,195,409$196,601,237
70$354,918,503$56,843,329$32,104,737$215,051,622
71$390,980,198$59,488,659$33,040,253$235,316,966
72$430,715,775$62,259,201$34,002,699$257,579,465
73$474,499,833$65,160,950$34,992,837$282,039,768
74$522,745,172$68,200,193$36,011,454$308,918,848
75$575,906,696$71,383,520$37,059,355$338,460,076
76$634,485,704$74,717,837$38,137,368$370,931,492
77$699,034,621$78,210,386$39,246,344$406,628,317
78$770,162,216$81,868,758$40,387,160$445,875,719
79$848,539,346$85,700,912$41,560,715$489,031,856
80$934,905,292$89,715,189$42,767,931$536,491,239
81$1,030,074,735$93,920,336$44,009,760$588,688,425
82$1,134,945,448$98,325,523$45,287,177$646,102,097
83$1,250,506,771$102,940,361$46,601,185$709,259,553
84$1,377,848,951$107,774,928$47,952,814$778,741,657
85$1,518,173,434$112,839,789$49,343,123$855,188,291
86$1,672,804,206$118,146,021$50,773,200$939,304,364
87$1,843,200,295$123,705,236$52,244,162$1,031,866,435
88$2,030,969,543$129,529,610$53,757,159$1,133,730,007
89$2,237,883,782$135,631,906$55,313,369$1,245,837,568
90$2,465,895,567$142,025,509$56,914,006$1,369,227,453
91$2,717,156,605$148,724,449$58,560,316$1,505,043,602
92$2,994,038,069$155,743,437$60,253,576$1,654,546,321
93$3,299,152,984$163,097,898$61,995,103$1,819,124,134
94$3,635,380,896$170,804,002$63,786,247$2,000,306,849
95$4,005,895,055$178,878,707$65,628,394$2,199,779,948
96$4,414,192,376$187,339,789$67,522,971$2,419,400,453
97$4,864,126,449$196,205,889$69,471,441$2,661,214,401
98$5,359,943,920$205,496,551$71,475,308$2,927,476,108
99$5,906,324,586$215,232,267$73,536,116$3,220,669,390
100$6,508,425,570$225,434,525$75,655,453$3,543,530,957