Can I retire at age 35 with 11,500,000?

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$949,659$941,200$932,947$924,892$917,026$884,489
2 years$470,128$461,373$452,887$444,660$436,679$404,246
3 years$310,306$301,512$293,048$284,898$277,047$245,736
4 years$230,410$221,643$213,264$205,253$197,592$167,643
5 years$182,485$173,771$165,501$157,654$150,207$121,698
6 years$150,546$141,897$133,750$126,077$118,853$91,806
7 years$127,741$119,165$111,147$103,655$96,660$71,069
8 years$110,645$102,146$94,261$86,953$80,188$56,033
9 years$97,355$88,937$81,187$74,065$67,530$44,778
10 years$86,729$78,393$70,781$63,845$57,539$36,151
11 years$78,041$69,789$62,314$55,564$49,486$29,418
12 years$70,806$62,639$55,302$48,737$42,883$24,088
13 years$64,689$56,607$49,409$43,028$37,395$19,822
14 years$59,451$51,454$44,394$38,195$32,780$16,376
15 years$54,914$47,005$40,082$34,063$28,862$13,573
16 years$50,949$43,126$36,340$30,500$25,509$11,280
17 years$47,454$39,717$33,068$27,404$22,618$9,394
18 years$44,351$36,701$30,187$24,697$20,111$7,837
19 years$41,578$34,014$27,635$22,315$17,925$6,548
20 years$39,085$31,607$25,362$20,211$16,011$5,478
21 years$36,832$29,441$23,328$18,343$14,328$4,587
22 years$34,787$27,482$21,500$16,678$12,843$3,844
23 years$32,923$25,703$19,852$15,189$11,529$3,224
24 years$31,216$24,082$18,359$13,853$10,362$2,706
25 years$29,649$22,600$17,005$12,651$9,324$2,272
26 years$28,204$21,240$15,771$11,568$8,399$1,908
27 years$26,869$19,990$14,645$10,588$7,572$1,603
28 years$25,631$18,836$13,614$9,701$6,833$1,347
29 years$24,481$17,770$12,669$8,896$6,170$1,133
30 years$23,409$16,782$11,801$8,164$5,575$952
31 years$22,408$15,864$11,002$7,498$5,040$801
32 years$21,472$15,011$10,265$6,891$4,559$674
33 years$20,595$14,215$9,584$6,337$4,126$567
34 years$19,771$13,473$8,955$5,831$3,736$477
35 years$18,995$12,779$8,372$5,367$3,384$401
36 years$18,265$12,129$7,832$4,943$3,066$338
37 years$17,575$11,520$7,331$4,555$2,779$284
38 years$16,923$10,948$6,865$4,198$2,519$239
39 years$16,307$10,410$6,432$3,871$2,284$201
40 years$15,722$9,905$6,028$3,570$2,072$169
41 years$15,168$9,428$5,653$3,294$1,880$142
42 years$14,641$8,979$5,302$3,040$1,706$120
43 years$14,140$8,555$4,976$2,806$1,548$101
44 years$13,664$8,155$4,670$2,591$1,405$85
45 years$13,209$7,777$4,385$2,393$1,276$71
46 years$12,776$7,419$4,119$2,210$1,158$60
47 years$12,363$7,080$3,870$2,042$1,052$51
48 years$11,967$6,758$3,636$1,887$955$43
49 years$11,590$6,454$3,418$1,744$867$36
50 years$11,228$6,165$3,213$1,612$788$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,500,000, adding $5,105 every year, while hoping to spend $49,905 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: 53/35/12 Blend
34$11,500,000$11,500,000$11,500,000$11,500,000
35$12,678,266$12,068,766$11,890,516$13,310,181
36$13,918,350$12,607,037$12,235,750$14,279,298
37$15,283,251$13,170,010$12,590,876$15,327,346
38$16,785,646$13,758,845$12,956,174$16,466,459
39$18,439,506$14,374,752$13,331,930$17,705,278
40$20,260,224$15,019,003$13,718,438$19,053,296
41$22,264,761$15,692,929$14,116,000$20,520,946
42$24,471,809$16,397,924$14,524,928$22,119,695
43$26,901,960$17,135,449$14,945,539$23,862,148
44$29,577,909$17,907,035$15,378,164$25,762,160
45$32,524,660$18,714,285$15,823,137$27,834,969
46$35,769,770$19,558,878$16,280,806$30,097,327
47$39,343,599$20,442,577$16,751,527$32,567,658
48$43,279,607$21,367,223$17,235,663$35,266,226
49$47,614,661$22,334,751$17,733,592$38,215,321
50$52,389,387$23,347,185$18,245,698$41,439,462
51$57,648,553$24,406,645$18,772,377$44,965,624
52$63,441,490$25,515,356$19,314,037$48,823,488
53$69,822,560$26,675,646$19,871,095$53,045,709
54$76,851,665$27,889,957$20,443,981$57,668,225
55$84,594,816$29,160,846$21,033,135$62,730,583
56$93,124,753$30,490,993$21,639,011$68,276,310
57$102,521,634$31,883,208$22,262,074$74,353,310
58$112,873,788$33,340,433$22,902,801$81,014,313
59$124,278,553$34,865,752$23,561,683$88,317,365
60$136,843,191$36,462,399$24,239,225$96,326,362
61$150,685,901$38,133,761$24,935,943$105,111,647
62$165,936,935$39,883,388$25,652,370$114,750,666
63$182,739,829$41,715,000$26,389,050$125,328,685
64$201,252,753$43,632,497$27,146,545$136,939,588
65$221,650,010$45,639,966$27,925,431$149,686,749
66$244,123,676$47,741,688$28,726,297$163,683,999
67$268,885,414$49,942,155$29,549,752$179,056,685
68$296,168,475$52,246,069$30,396,417$195,942,844
69$326,229,896$54,658,363$31,266,934$214,494,492
70$359,352,927$57,184,205$32,161,958$234,879,044
71$395,849,707$59,829,012$33,082,164$257,280,879
72$436,064,205$62,598,461$34,028,245$281,903,068
73$480,375,474$65,498,506$35,000,911$308,969,273
74$529,201,223$68,535,383$36,000,893$338,725,844
75$583,001,763$71,715,633$37,028,938$371,444,123
76$642,284,352$75,046,107$38,085,816$407,422,991
77$707,607,981$78,533,992$39,172,317$446,991,670
78$779,588,656$82,186,818$40,289,250$490,512,809
79$858,905,206$86,012,480$41,437,447$538,385,887
80$946,305,697$90,019,251$42,617,761$591,050,964
81$1,042,614,492$94,215,808$43,831,069$648,992,811
82$1,148,740,030$98,611,243$45,078,270$712,745,463
83$1,265,683,407$103,215,088$46,360,287$782,897,233
84$1,394,547,823$108,037,336$47,678,065$860,096,244
85$1,536,548,999$113,088,462$49,032,577$945,056,516
86$1,693,026,648$118,379,449$50,424,821$1,038,564,679
87$1,865,457,133$123,921,808$51,855,818$1,141,487,370
88$2,055,467,392$129,727,608$53,326,620$1,254,779,382
89$2,264,850,307$135,809,502$54,838,302$1,379,492,645
90$2,495,581,624$142,180,754$56,391,972$1,516,786,121
91$2,749,838,608$148,855,269$57,988,761$1,667,936,709
92$3,030,020,596$155,847,627$59,629,835$1,834,351,264
93$3,338,771,648$163,173,112$61,316,385$2,017,579,835
94$3,679,005,509$170,847,748$63,049,637$2,219,330,262
95$4,053,933,118$178,888,334$64,830,846$2,441,484,248
96$4,467,092,917$187,312,483$66,661,301$2,686,115,084
97$4,922,384,262$196,138,663$68,542,322$2,955,507,172
98$5,424,104,233$205,386,233$70,475,266$3,252,177,541
99$5,976,988,198$215,075,492$72,461,521$3,578,899,558
100$6,586,254,527$225,227,724$74,502,514$3,938,729,054