Can I retire at age 35 with 11,400,000?

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 $11,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$941,401$933,016$924,835$916,849$909,052$898,065
2 years$466,040$457,361$448,949$440,793$432,882$421,825
3 years$307,607$298,890$290,500$282,420$274,638$263,854
4 years$228,406$219,716$211,409$203,468$195,874$185,447
5 years$180,898$172,260$164,062$156,283$148,900$138,860
6 years$149,236$140,663$132,587$124,981$117,820$108,178
7 years$126,630$118,129$110,180$102,754$95,819$86,580
8 years$109,682$101,258$93,442$86,197$79,491$70,654
9 years$96,508$88,163$80,481$73,421$66,943$58,504
10 years$85,975$77,712$70,165$63,290$57,039$48,993
11 years$77,362$69,182$61,772$55,081$49,055$41,395
12 years$70,191$62,094$54,821$48,313$42,510$35,227
13 years$64,127$56,115$48,979$42,653$37,070$30,154
14 years$58,934$51,007$44,008$37,863$32,495$25,937
15 years$54,437$46,596$39,733$33,767$28,611$22,401
16 years$50,506$42,751$36,024$30,235$25,287$19,412
17 years$47,042$39,372$32,781$27,166$22,421$16,871
18 years$43,965$36,381$29,924$24,482$19,936$14,699
19 years$41,216$33,718$27,394$22,121$17,769$12,833
20 years$38,745$31,332$25,141$20,035$15,872$11,225
21 years$36,512$29,185$23,125$18,183$14,203$9,833
22 years$34,485$27,243$21,313$16,533$12,731$8,626
23 years$32,637$25,480$19,679$15,057$11,428$7,576
24 years$30,945$23,873$18,200$13,733$10,272$6,661
25 years$29,391$22,404$16,857$12,541$9,243$5,861
26 years$27,959$21,056$15,634$11,467$8,326$5,162
27 years$26,635$19,816$14,517$10,496$7,507$4,549
28 years$25,408$18,672$13,496$9,617$6,773$4,011
29 years$24,268$17,615$12,559$8,819$6,116$3,539
30 years$23,205$16,636$11,698$8,093$5,526$3,123
31 years$22,214$15,726$10,906$7,433$4,996$2,758
32 years$21,286$14,880$10,175$6,831$4,520$2,436
33 years$20,416$14,092$9,501$6,282$4,090$2,153
34 years$19,599$13,356$8,877$5,780$3,703$1,903
35 years$18,830$12,668$8,299$5,321$3,354$1,682
36 years$18,106$12,024$7,764$4,900$3,039$1,487
37 years$17,422$11,420$7,267$4,515$2,754$1,316
38 years$16,776$10,853$6,805$4,162$2,497$1,164
39 years$16,165$10,320$6,376$3,837$2,264$1,030
40 years$15,586$9,819$5,976$3,539$2,054$911
41 years$15,036$9,346$5,603$3,265$1,863$806
42 years$14,514$8,901$5,256$3,014$1,691$714
43 years$14,017$8,481$4,932$2,782$1,535$632
44 years$13,545$8,084$4,630$2,569$1,393$559
45 years$13,095$7,709$4,347$2,372$1,264$495
46 years$12,665$7,354$4,083$2,191$1,148$438
47 years$12,255$7,018$3,836$2,024$1,043$388
48 years$11,863$6,700$3,605$1,871$947$343
49 years$11,489$6,398$3,388$1,729$860$304
50 years$11,130$6,111$3,185$1,598$781$269

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,400,000, adding $6,673 every year, while hoping to spend $31,944 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: 62/27/11 Blend
34$11,400,000$11,400,000$11,400,000$11,400,000
35$12,569,683$11,965,483$11,788,783$13,316,750
36$13,817,803$12,517,804$12,149,719$14,370,258
37$15,192,160$13,096,117$12,521,676$15,515,441
38$16,705,597$13,701,664$12,904,989$16,764,657
39$18,372,266$14,335,743$13,300,004$18,127,980
40$20,207,759$14,999,717$13,707,077$19,616,493
41$22,229,261$15,695,014$14,126,574$21,242,380
42$24,455,707$16,423,130$14,558,875$23,019,047
43$26,907,959$17,185,634$15,004,368$24,961,238
44$29,609,012$17,984,171$15,463,455$27,085,173
45$32,584,200$18,820,464$15,936,550$29,408,697
46$35,861,441$19,696,320$16,424,077$31,951,446
47$39,471,501$20,613,633$16,926,477$34,735,026
48$43,448,282$21,574,388$17,444,201$37,783,215
49$47,829,141$22,580,667$17,977,716$41,122,178
50$52,655,245$23,634,652$18,527,501$44,780,716
51$57,971,959$24,738,628$19,094,051$48,790,528
52$63,829,273$25,894,995$19,677,876$53,186,506
53$70,282,274$27,106,266$20,279,501$58,007,059
54$77,391,668$28,375,074$20,899,466$63,294,472
55$85,224,348$29,704,184$21,538,328$69,095,296
56$93,854,033$31,096,489$22,196,663$75,460,781
57$103,361,954$32,555,027$22,875,061$82,447,358
58$113,837,629$34,082,980$23,574,132$90,117,160
59$125,379,706$35,683,684$24,294,504$98,538,601
60$138,096,889$37,360,638$25,036,823$107,787,018
61$152,108,972$39,117,509$25,801,756$117,945,374
62$167,547,962$40,958,142$26,589,990$129,105,029
63$184,559,331$42,886,568$27,402,232$141,366,596
64$203,303,386$44,907,013$28,239,210$154,840,886
65$223,956,783$47,023,909$29,101,676$169,649,935
66$246,714,196$49,241,901$29,990,402$185,928,157
67$271,790,149$51,565,860$30,906,186$203,823,595
68$299,421,050$54,000,892$31,849,849$223,499,311
69$329,867,414$56,552,353$32,822,236$245,134,912
70$363,416,328$59,225,856$33,824,219$268,928,238
71$400,384,158$62,027,288$34,856,695$295,097,211
72$441,119,537$64,962,820$35,920,588$323,881,884
73$486,006,655$68,038,922$37,016,853$355,546,694
74$535,468,885$71,262,381$38,146,469$390,382,940
75$589,972,784$74,640,311$39,310,449$428,711,520
76$650,032,492$78,180,170$40,509,833$470,885,949
77$716,214,588$81,889,781$41,745,694$517,295,673
78$789,143,440$85,777,344$43,019,139$568,369,734
79$869,507,096$89,851,459$44,331,305$624,580,800
80$958,063,783$94,121,143$45,683,367$686,449,607
81$1,055,649,061$98,595,851$47,076,531$754,549,862
82$1,163,183,714$103,285,496$48,512,044$829,513,630
83$1,281,682,443$108,200,476$49,991,188$912,037,285
84$1,412,263,443$113,351,690$51,515,284$1,002,888,061
85$1,556,158,961$118,750,570$53,085,693$1,102,911,272
86$1,714,726,928$124,409,101$54,703,817$1,213,038,264
87$1,889,463,781$130,339,852$56,371,100$1,334,295,188
88$2,082,018,585$136,556,004$58,089,030$1,467,812,653
89$2,294,208,608$143,071,376$59,859,141$1,614,836,379
90$2,528,036,474$149,900,461$61,683,010$1,776,738,922
91$2,785,709,068$157,058,457$63,562,264$1,955,032,606
92$3,069,658,372$164,561,301$65,498,579$2,151,383,761
93$3,382,564,425$172,425,703$67,493,680$2,367,628,427
94$3,727,380,623$180,669,190$69,549,345$2,605,789,650
95$4,107,361,604$189,310,138$71,667,406$2,868,096,542
96$4,526,093,973$198,367,819$73,849,749$3,157,005,287
97$4,987,530,159$207,862,444$76,098,317$3,475,222,290
98$5,496,025,737$217,815,205$78,415,112$3,825,729,683
99$6,056,380,540$228,248,328$80,802,196$4,211,813,435
100$6,673,883,979$239,185,119$83,261,693$4,637,094,325