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%15.2%
1 years$949,659$941,200$932,947$924,892$917,026$897,410
2 years$470,128$461,373$452,887$444,660$436,679$417,012
3 years$310,306$301,512$293,048$284,898$277,047$257,943
4 years$230,410$221,643$213,264$205,253$197,592$179,198
5 years$182,485$173,771$165,501$157,654$150,207$132,574
6 years$150,546$141,897$133,750$126,077$118,853$102,001
7 years$127,741$119,165$111,147$103,655$96,660$80,591
8 years$110,645$102,146$94,261$86,953$80,188$64,898
9 years$97,355$88,937$81,187$74,065$67,530$53,008
10 years$86,729$78,393$70,781$63,845$57,539$43,770
11 years$78,041$69,789$62,314$55,564$49,486$36,451
12 years$70,806$62,639$55,302$48,737$42,883$30,564
13 years$64,689$56,607$49,409$43,028$37,395$25,769
14 years$59,451$51,454$44,394$38,195$32,780$21,825
15 years$54,914$47,005$40,082$34,063$28,862$18,554
16 years$50,949$43,126$36,340$30,500$25,509$15,822
17 years$47,454$39,717$33,068$27,404$22,618$13,527
18 years$44,351$36,701$30,187$24,697$20,111$11,591
19 years$41,578$34,014$27,635$22,315$17,925$9,950
20 years$39,085$31,607$25,362$20,211$16,011$8,555
21 years$36,832$29,441$23,328$18,343$14,328$7,365
22 years$34,787$27,482$21,500$16,678$12,843$6,348
23 years$32,923$25,703$19,852$15,189$11,529$5,477
24 years$31,216$24,082$18,359$13,853$10,362$4,729
25 years$29,649$22,600$17,005$12,651$9,324$4,086
26 years$28,204$21,240$15,771$11,568$8,399$3,533
27 years$26,869$19,990$14,645$10,588$7,572$3,057
28 years$25,631$18,836$13,614$9,701$6,833$2,645
29 years$24,481$17,770$12,669$8,896$6,170$2,291
30 years$23,409$16,782$11,801$8,164$5,575$1,984
31 years$22,408$15,864$11,002$7,498$5,040$1,719
32 years$21,472$15,011$10,265$6,891$4,559$1,490
33 years$20,595$14,215$9,584$6,337$4,126$1,291
34 years$19,771$13,473$8,955$5,831$3,736$1,119
35 years$18,995$12,779$8,372$5,367$3,384$971
36 years$18,265$12,129$7,832$4,943$3,066$842
37 years$17,575$11,520$7,331$4,555$2,779$730
38 years$16,923$10,948$6,865$4,198$2,519$633
39 years$16,307$10,410$6,432$3,871$2,284$549
40 years$15,722$9,905$6,028$3,570$2,072$477
41 years$15,168$9,428$5,653$3,294$1,880$414
42 years$14,641$8,979$5,302$3,040$1,706$359
43 years$14,140$8,555$4,976$2,806$1,548$311
44 years$13,664$8,155$4,670$2,591$1,405$270
45 years$13,209$7,777$4,385$2,393$1,276$235
46 years$12,776$7,419$4,119$2,210$1,158$204
47 years$12,363$7,080$3,870$2,042$1,052$177
48 years$11,967$6,758$3,636$1,887$955$153
49 years$11,590$6,454$3,418$1,744$867$133
50 years$11,228$6,165$3,213$1,612$788$115

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 $4,821 every year, while hoping to spend $20,771 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: 74/12/14 Blend
34$11,500,000$11,500,000$11,500,000$11,500,000
35$12,677,973$12,068,473$11,890,223$13,577,781
36$13,949,026$12,637,728$12,266,445$14,742,722
37$15,349,030$13,234,180$12,654,575$16,015,698
38$16,891,117$13,859,141$13,054,989$17,409,906
39$18,589,756$14,513,983$13,468,076$18,937,377
40$20,460,892$15,200,149$13,894,237$20,611,353
41$22,522,095$15,919,149$14,333,887$22,446,412
42$24,792,729$16,672,568$14,787,452$24,458,604
43$27,294,128$17,462,065$15,255,372$26,665,603
44$30,049,806$18,289,382$15,738,104$29,086,867
45$33,085,670$19,156,346$16,236,114$31,743,820
46$36,430,272$20,064,871$16,749,888$34,660,059
47$40,115,075$21,016,964$17,279,924$37,861,564
48$44,174,748$22,014,730$17,826,737$41,376,947
49$48,647,497$23,060,378$18,390,858$45,237,720
50$53,575,425$24,156,220$18,972,835$49,478,588
51$59,004,927$25,304,683$19,573,233$54,137,771
52$64,987,130$26,508,313$20,192,637$59,257,368
53$71,578,374$27,769,777$20,831,647$64,883,745
54$78,840,746$29,091,873$21,490,885$71,067,976
55$86,842,663$30,477,536$22,170,990$77,866,315
56$95,659,520$31,929,841$22,872,624$85,340,730
57$105,374,402$33,452,014$23,596,468$93,559,478
58$116,078,868$35,047,439$24,343,226$102,597,750
59$127,873,811$36,719,663$25,113,623$112,538,377
60$140,870,418$38,472,404$25,908,407$123,472,605
61$155,191,213$40,309,565$26,728,352$135,500,953
62$170,971,218$42,235,234$27,574,253$148,734,158
63$188,359,224$44,253,703$28,446,932$163,294,216
64$207,519,198$46,369,468$29,347,238$179,315,528
65$228,631,831$48,587,246$30,276,045$196,946,163
66$251,896,241$50,911,984$31,234,255$216,349,253
67$277,531,855$53,348,870$32,222,801$237,704,524
68$305,780,482$55,903,342$33,242,642$261,209,989
69$336,908,590$58,581,105$34,294,770$287,083,809
70$371,209,829$61,388,141$35,380,207$315,566,351
71$409,007,795$64,330,723$36,500,007$346,922,445
72$450,659,092$67,415,431$37,655,260$381,443,879
73$496,556,696$70,649,163$38,847,087$419,452,147
74$547,133,662$74,039,156$40,076,648$461,301,478
75$602,867,216$77,592,995$41,345,136$507,382,166
76$664,283,260$81,318,639$42,653,786$558,124,255
77$731,961,333$85,224,433$44,003,868$614,001,581
78$806,540,086$89,319,128$45,396,695$675,536,245
79$888,723,311$93,611,901$46,833,621$743,303,525
80$979,286,584$98,112,379$48,316,042$817,937,302
81$1,079,084,585$102,830,656$49,845,399$900,136,030
82$1,189,059,172$107,777,317$51,423,180$990,669,322
83$1,310,248,268$112,963,466$53,050,916$1,090,385,205
84$1,443,795,660$118,400,745$54,730,191$1,200,218,109
85$1,590,961,802$124,101,366$56,462,637$1,321,197,682
86$1,753,135,708$130,078,135$58,249,937$1,454,458,493
87$1,931,848,071$136,344,484$60,093,831$1,601,250,733
88$2,128,785,709$142,914,498$61,996,109$1,762,952,004
89$2,345,807,493$149,802,951$63,958,621$1,941,080,303
90$2,584,961,898$157,025,336$65,983,274$2,137,308,348
91$2,848,506,336$164,597,901$68,072,039$2,353,479,344
92$3,138,928,473$172,537,690$70,226,943$2,591,624,372
93$3,458,969,716$180,862,575$72,450,084$2,853,981,548
94$3,811,651,087$189,591,301$74,743,622$3,143,017,127
95$4,200,301,751$198,743,529$77,109,787$3,461,448,776
96$4,628,590,444$208,339,876$79,550,879$3,812,271,202
97$5,100,560,108$218,401,969$82,069,272$4,198,784,412
98$5,620,666,062$228,952,487$84,667,415$4,624,624,836
99$6,193,818,060$240,015,219$87,347,833$5,093,799,644
100$6,825,426,650$251,615,113$90,113,134$5,610,724,546