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%15.3%
1 years$941,401$933,016$924,835$916,849$909,052$889,244
2 years$466,040$457,361$448,949$440,793$432,882$413,026
3 years$307,607$298,890$290,500$282,420$274,638$255,353
4 years$228,406$219,716$211,409$203,468$195,874$177,309
5 years$180,898$172,260$164,062$156,283$148,900$131,108
6 years$149,236$140,663$132,587$124,981$117,820$100,818
7 years$126,630$118,129$110,180$102,754$95,819$79,612
8 years$109,682$101,258$93,442$86,197$79,491$64,072
9 years$96,508$88,163$80,481$73,421$66,943$52,302
10 years$85,975$77,712$70,165$63,290$57,039$43,160
11 years$77,362$69,182$61,772$55,081$49,055$35,921
12 years$70,191$62,094$54,821$48,313$42,510$30,099
13 years$64,127$56,115$48,979$42,653$37,070$25,361
14 years$58,934$51,007$44,008$37,863$32,495$21,465
15 years$54,437$46,596$39,733$33,767$28,611$18,235
16 years$50,506$42,751$36,024$30,235$25,287$15,539
17 years$47,042$39,372$32,781$27,166$22,421$13,275
18 years$43,965$36,381$29,924$24,482$19,936$11,367
19 years$41,216$33,718$27,394$22,121$17,769$9,750
20 years$38,745$31,332$25,141$20,035$15,872$8,377
21 years$36,512$29,185$23,125$18,183$14,203$7,206
22 years$34,485$27,243$21,313$16,533$12,731$6,206
23 years$32,637$25,480$19,679$15,057$11,428$5,350
24 years$30,945$23,873$18,200$13,733$10,272$4,616
25 years$29,391$22,404$16,857$12,541$9,243$3,986
26 years$27,959$21,056$15,634$11,467$8,326$3,444
27 years$26,635$19,816$14,517$10,496$7,507$2,977
28 years$25,408$18,672$13,496$9,617$6,773$2,574
29 years$24,268$17,615$12,559$8,819$6,116$2,227
30 years$23,205$16,636$11,698$8,093$5,526$1,927
31 years$22,214$15,726$10,906$7,433$4,996$1,668
32 years$21,286$14,880$10,175$6,831$4,520$1,445
33 years$20,416$14,092$9,501$6,282$4,090$1,251
34 years$19,599$13,356$8,877$5,780$3,703$1,084
35 years$18,830$12,668$8,299$5,321$3,354$939
36 years$18,106$12,024$7,764$4,900$3,039$814
37 years$17,422$11,420$7,267$4,515$2,754$705
38 years$16,776$10,853$6,805$4,162$2,497$611
39 years$16,165$10,320$6,376$3,837$2,264$530
40 years$15,586$9,819$5,976$3,539$2,054$459
41 years$15,036$9,346$5,603$3,265$1,863$398
42 years$14,514$8,901$5,256$3,014$1,691$345
43 years$14,017$8,481$4,932$2,782$1,535$299
44 years$13,545$8,084$4,630$2,569$1,393$259
45 years$13,095$7,709$4,347$2,372$1,264$225
46 years$12,665$7,354$4,083$2,191$1,148$195
47 years$12,255$7,018$3,836$2,024$1,043$169
48 years$11,863$6,700$3,605$1,871$947$147
49 years$11,489$6,398$3,388$1,729$860$127
50 years$11,130$6,111$3,185$1,598$781$110

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 $3,846 every year, while hoping to spend $46,675 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: 41/49/10 Blend
34$11,400,000$11,400,000$11,400,000$11,400,000
35$12,566,767$11,962,567$11,785,867$13,044,591
36$13,798,916$12,499,071$12,131,032$13,916,451
37$15,155,179$13,060,299$12,486,195$14,854,529
38$16,648,167$13,647,414$12,851,643$15,868,755
39$18,291,776$14,261,633$13,227,669$16,966,063
40$20,101,316$14,904,232$13,614,574$18,154,057
41$22,093,658$15,576,547$14,012,671$19,441,079
42$24,287,392$16,279,979$14,422,276$20,836,282
43$26,703,003$17,015,995$14,843,719$22,349,710
44$29,363,063$17,786,132$15,277,337$23,992,385
45$32,292,443$18,592,001$15,723,476$25,776,409
46$35,518,553$19,435,289$16,182,493$27,715,071
47$39,071,592$20,317,766$16,654,754$29,822,963
48$42,984,842$21,241,283$17,140,635$32,116,112
49$47,294,973$22,207,783$17,640,523$34,612,127
50$52,042,396$23,219,300$18,154,816$37,330,352
51$57,271,641$24,277,967$18,683,924$40,292,045
52$63,031,778$25,386,017$19,228,265$43,520,569
53$69,376,880$26,545,792$19,788,273$47,041,604
54$76,366,532$27,759,746$20,364,390$50,883,378
55$84,066,395$29,030,450$20,957,073$55,076,927
56$92,548,823$30,360,599$21,566,791$59,656,377
57$101,893,551$31,753,015$22,194,026$64,659,254
58$112,188,440$33,210,660$22,839,273$70,126,828
59$123,530,313$34,736,634$23,503,041$76,104,494
60$136,025,864$36,334,189$24,185,852$82,642,182
61$149,792,669$38,006,731$24,888,245$89,794,823
62$164,960,291$39,757,830$25,610,771$97,622,849
63$181,671,507$41,591,230$26,353,998$106,192,751
64$200,083,652$43,510,852$27,118,508$115,577,694
65$220,370,109$45,520,808$27,904,902$125,858,190
66$242,721,938$47,625,406$28,713,795$137,122,843
67$267,349,688$49,829,163$29,545,819$149,469,170
68$294,485,377$52,136,813$30,401,625$163,004,503
69$324,384,685$54,553,317$31,281,879$177,846,982
70$357,329,370$57,083,876$32,187,269$194,126,655
71$393,629,922$59,733,942$33,118,499$211,986,685
72$433,628,499$62,509,230$34,076,294$231,584,676
73$477,702,153$65,415,729$35,061,396$253,094,144
74$526,266,391$68,459,719$36,074,572$276,706,132
75$579,779,098$71,647,780$37,116,605$302,630,984
76$638,744,857$74,986,812$38,188,302$331,100,313
77$703,719,715$78,484,049$39,290,493$362,369,153
78$775,316,429$82,147,071$40,424,028$396,718,347
79$854,210,253$85,983,825$41,589,781$434,457,164
80$941,145,311$90,002,645$42,788,651$475,926,189
81$1,036,941,622$94,212,264$44,021,560$521,500,509
82$1,142,502,840$98,621,838$45,289,455$571,593,218
83$1,258,824,788$103,240,965$46,593,310$626,659,282
84$1,387,004,854$108,079,710$47,934,123$687,199,800
85$1,528,252,355$113,148,622$49,312,922$753,766,696
86$1,683,899,950$118,458,759$50,730,760$826,967,884
87$1,855,416,225$124,021,718$52,188,720$907,472,975
88$2,044,419,551$129,849,654$53,687,914$996,019,543
89$2,252,693,370$135,955,312$55,229,483$1,093,420,053
90$2,482,203,023$142,352,051$56,814,601$1,200,569,474
91$2,735,114,311$149,053,882$58,444,470$1,318,453,685
92$3,013,813,938$156,075,489$60,120,326$1,448,158,722
93$3,320,932,043$163,432,271$61,843,440$1,590,880,982
94$3,659,367,030$171,140,371$63,615,115$1,747,938,456
95$4,032,312,934$179,216,716$65,436,688$1,920,783,109
96$4,443,289,570$187,679,052$67,309,533$2,111,014,531
97$4,896,175,765$196,545,984$69,235,061$2,320,394,963
98$5,395,245,977$205,837,022$71,214,720$2,550,865,868
99$5,945,210,651$215,572,620$73,249,997$2,804,566,187
100$6,551,260,683$225,774,223$75,342,418$3,083,852,454