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%16.9%
1 years$949,659$941,200$932,947$924,892$917,026$891,245
2 years$470,128$461,373$452,887$444,660$436,679$410,901
3 years$310,306$301,512$293,048$284,898$277,047$252,080
4 years$230,410$221,643$213,264$205,253$197,592$173,628
5 years$182,485$173,771$165,501$157,654$150,207$127,310
6 years$150,546$141,897$133,750$126,077$118,853$97,047
7 years$127,741$119,165$111,147$103,655$96,660$75,943
8 years$110,645$102,146$94,261$86,953$80,188$60,551
9 years$97,355$88,937$81,187$74,065$67,530$48,952
10 years$86,729$78,393$70,781$63,845$57,539$39,996
11 years$78,041$69,789$62,314$55,564$49,486$32,949
12 years$70,806$62,639$55,302$48,737$42,883$27,321
13 years$64,689$56,607$49,409$43,028$37,395$22,774
14 years$59,451$51,454$44,394$38,195$32,780$19,065
15 years$54,914$47,005$40,082$34,063$28,862$16,016
16 years$50,949$43,126$36,340$30,500$25,509$13,493
17 years$47,454$39,717$33,068$27,404$22,618$11,395
18 years$44,351$36,701$30,187$24,697$20,111$9,642
19 years$41,578$34,014$27,635$22,315$17,925$8,173
20 years$39,085$31,607$25,362$20,211$16,011$6,937
21 years$36,832$29,441$23,328$18,343$14,328$5,895
22 years$34,787$27,482$21,500$16,678$12,843$5,014
23 years$32,923$25,703$19,852$15,189$11,529$4,269
24 years$31,216$24,082$18,359$13,853$10,362$3,637
25 years$29,649$22,600$17,005$12,651$9,324$3,100
26 years$28,204$21,240$15,771$11,568$8,399$2,644
27 years$26,869$19,990$14,645$10,588$7,572$2,256
28 years$25,631$18,836$13,614$9,701$6,833$1,926
29 years$24,481$17,770$12,669$8,896$6,170$1,644
30 years$23,409$16,782$11,801$8,164$5,575$1,404
31 years$22,408$15,864$11,002$7,498$5,040$1,200
32 years$21,472$15,011$10,265$6,891$4,559$1,025
33 years$20,595$14,215$9,584$6,337$4,126$876
34 years$19,771$13,473$8,955$5,831$3,736$749
35 years$18,995$12,779$8,372$5,367$3,384$640
36 years$18,265$12,129$7,832$4,943$3,066$547
37 years$17,575$11,520$7,331$4,555$2,779$468
38 years$16,923$10,948$6,865$4,198$2,519$400
39 years$16,307$10,410$6,432$3,871$2,284$342
40 years$15,722$9,905$6,028$3,570$2,072$293
41 years$15,168$9,428$5,653$3,294$1,880$250
42 years$14,641$8,979$5,302$3,040$1,706$214
43 years$14,140$8,555$4,976$2,806$1,548$183
44 years$13,664$8,155$4,670$2,591$1,405$156
45 years$13,209$7,777$4,385$2,393$1,276$134
46 years$12,776$7,419$4,119$2,210$1,158$114
47 years$12,363$7,080$3,870$2,042$1,052$98
48 years$11,967$6,758$3,636$1,887$955$84
49 years$11,590$6,454$3,418$1,744$867$72
50 years$11,228$6,165$3,213$1,612$788$61

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 $4,515 every year, while hoping to spend $33,906 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: 49/44/7 Blend
34$11,500,000$11,500,000$11,500,000$11,500,000
35$12,677,657$12,068,157$11,889,907$13,275,691
36$13,934,703$12,623,421$12,252,143$14,239,974
37$15,318,830$13,204,757$12,625,378$15,282,782
38$16,842,966$13,813,406$13,009,944$16,414,621
39$18,521,356$14,450,669$13,406,184$17,643,808
40$20,369,693$15,117,911$13,814,450$18,979,474
41$22,405,275$15,816,562$14,235,107$20,431,644
42$24,647,159$16,548,119$14,668,529$22,011,328
43$27,116,346$17,314,154$15,115,102$23,730,620
44$29,835,979$18,116,313$15,575,223$25,602,803
45$32,831,558$18,956,321$16,049,302$27,642,474
46$36,131,183$19,835,987$16,537,760$29,865,673
47$39,765,821$20,757,208$17,041,032$32,290,027
48$43,769,593$21,721,969$17,559,565$34,934,911
49$48,180,101$22,732,356$18,093,821$37,821,624
50$53,038,780$23,790,550$18,644,273$40,973,582
51$58,391,291$24,898,842$19,211,411$44,416,533
52$64,287,948$26,059,631$19,795,738$48,178,790
53$70,784,197$27,275,431$20,397,774$52,291,492
54$77,941,139$28,548,881$21,018,053$56,788,887
55$85,826,103$29,882,744$21,657,125$61,708,648
56$94,513,284$31,279,917$22,315,558$67,092,217
57$104,084,445$32,743,439$22,993,935$72,985,189
58$114,629,685$34,276,494$23,692,858$79,437,729
59$126,248,291$35,882,420$24,412,947$86,505,036
60$139,049,675$37,564,717$25,154,840$94,247,852
61$153,154,409$39,327,055$25,919,194$102,733,025
62$168,695,358$41,173,280$26,706,686$112,034,124
63$185,818,938$43,107,425$27,518,014$122,232,122
64$204,686,499$45,133,718$28,353,896$133,416,149
65$225,475,842$47,256,591$29,215,072$145,684,314
66$248,382,905$49,480,691$30,102,304$159,144,619
67$273,623,608$51,810,890$31,016,377$173,915,961
68$301,435,889$54,252,298$31,958,100$190,129,242
69$332,081,958$56,810,268$32,928,304$207,928,579
70$365,850,763$59,490,417$33,927,848$227,472,653
71$403,060,724$62,298,631$34,957,614$248,936,187
72$444,062,737$65,241,082$36,018,513$272,511,571
73$489,243,484$68,324,244$37,111,481$298,410,662
74$539,029,088$71,554,900$38,237,484$326,866,759
75$593,889,130$74,940,165$39,397,515$358,136,783
76$654,341,087$78,487,499$40,592,598$392,503,678
77$720,955,215$82,204,724$41,823,787$430,279,058
78$794,359,932$86,100,039$43,092,168$471,806,119
79$875,247,748$90,182,045$44,398,859$517,462,854
80$964,381,810$94,459,757$45,745,012$567,665,591
81$1,062,603,098$98,942,628$47,131,814$622,872,893
82$1,170,838,369$103,640,572$48,560,484$683,589,854
83$1,290,108,905$108,563,982$50,032,283$750,372,834
84$1,421,540,154$113,723,758$51,548,505$823,834,678
85$1,566,372,354$119,131,327$53,110,485$904,650,461
86$1,725,972,245$124,798,673$54,719,597$993,563,825
87$1,901,845,967$130,738,361$56,377,257$1,091,393,959
88$2,095,653,283$136,963,567$58,084,921$1,199,043,288
89$2,309,223,243$143,488,108$59,844,092$1,317,505,951
90$2,544,571,460$150,326,470$61,656,315$1,447,877,135
91$2,803,919,129$157,493,848$63,523,181$1,591,363,371
92$3,089,714,003$165,006,170$65,446,331$1,749,293,867
93$3,404,653,501$172,880,142$67,427,453$1,923,133,009
94$3,751,710,172$181,133,282$69,468,286$2,114,494,125
95$4,134,159,756$189,783,959$71,570,620$2,325,154,659
96$4,555,612,114$198,851,437$73,736,300$2,557,072,888
97$5,020,045,308$208,355,915$75,967,223$2,812,406,346
98$5,531,843,150$218,318,576$78,265,347$3,093,532,126
99$6,095,836,600$228,761,634$80,632,684$3,403,069,246
100$6,717,349,362$239,708,384$83,071,308$3,743,903,304