Can I retire at age 35 with 11,600,000?

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 $11,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$957,917$949,385$941,060$932,934$925,000$918,017
2 years$474,216$465,385$456,825$448,526$440,476$433,436
3 years$313,004$304,134$295,596$287,375$279,456$272,577
4 years$232,413$223,571$215,118$207,038$199,311$192,645
5 years$184,072$175,282$166,941$159,025$151,513$145,080
6 years$151,855$143,131$134,913$127,173$119,887$113,696
7 years$128,851$120,201$112,113$104,556$97,500$91,554
8 years$111,607$103,035$95,081$87,710$80,886$75,184
9 years$98,201$89,710$81,893$74,709$68,118$62,659
10 years$87,483$79,075$71,396$64,400$58,040$52,821
11 years$78,720$70,396$62,856$56,047$49,916$44,933
12 years$71,422$63,184$55,783$49,161$43,256$38,505
13 years$65,252$57,100$49,839$43,402$37,720$33,195
14 years$59,968$51,902$44,780$38,527$33,065$28,762
15 years$55,392$47,413$40,431$34,360$29,113$25,025
16 years$51,392$43,501$36,656$30,765$25,730$21,851
17 years$47,867$40,063$33,356$27,642$22,814$19,137
18 years$44,737$37,020$30,449$24,911$20,285$16,804
19 years$41,939$34,309$27,875$22,509$18,081$14,788
20 years$39,425$31,882$25,582$20,387$16,150$13,039
21 years$37,153$29,697$23,531$18,502$14,453$11,517
22 years$35,090$27,721$21,687$16,823$12,955$10,187
23 years$33,209$25,927$20,024$15,321$11,629$9,022
24 years$31,488$24,292$18,519$13,973$10,452$8,000
25 years$29,907$22,797$17,152$12,761$9,405$7,100
26 years$28,449$21,425$15,908$11,668$8,472$6,307
27 years$27,102$20,164$14,772$10,680$7,638$5,607
28 years$25,854$19,000$13,732$9,785$6,892$4,988
29 years$24,694$17,924$12,779$8,973$6,223$4,440
30 years$23,613$16,928$11,903$8,235$5,623$3,954
31 years$22,603$16,002$11,097$7,564$5,084$3,523
32 years$21,659$15,141$10,354$6,951$4,599$3,141
33 years$20,774$14,339$9,667$6,392$4,162$2,801
34 years$19,943$13,590$9,033$5,881$3,768$2,498
35 years$19,160$12,890$8,445$5,414$3,413$2,229
36 years$18,423$12,235$7,900$4,986$3,092$1,989
37 years$17,728$11,620$7,394$4,594$2,803$1,776
38 years$17,071$11,043$6,924$4,235$2,541$1,586
39 years$16,449$10,501$6,487$3,904$2,304$1,416
40 years$15,859$9,991$6,081$3,601$2,090$1,265
41 years$15,300$9,510$5,702$3,323$1,896$1,130
42 years$14,768$9,057$5,348$3,066$1,720$1,010
43 years$14,263$8,630$5,019$2,831$1,561$902
44 years$13,782$8,226$4,711$2,614$1,417$806
45 years$13,324$7,844$4,423$2,414$1,287$721
46 years$12,887$7,483$4,155$2,230$1,168$644
47 years$12,470$7,141$3,903$2,060$1,061$576
48 years$12,072$6,817$3,668$1,903$963$515
49 years$11,690$6,510$3,448$1,759$875$460
50 years$11,326$6,219$3,241$1,626$795$411

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,600,000, adding $6,900 every year, while hoping to spend $41,591 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: 57/23/20 Blend
34$11,600,000$11,600,000$11,600,000$11,600,000
35$12,790,317$12,175,517$11,995,717$13,450,670
36$14,050,677$12,727,865$12,353,321$14,453,444
37$15,438,200$13,305,884$12,721,511$15,540,672
38$16,965,812$13,910,788$13,100,597$16,724,638
39$18,647,757$14,543,849$13,490,900$18,014,662
40$20,499,731$15,206,401$13,892,748$19,420,993
41$22,539,028$15,899,839$14,306,479$20,954,902
42$24,784,706$16,625,628$14,732,443$22,628,783
43$27,257,764$17,385,301$15,170,998$24,456,273
44$29,981,341$18,180,467$15,622,512$26,452,371
45$32,980,938$19,012,809$16,087,366$28,633,578
46$36,284,650$19,884,093$16,565,949$31,018,049
47$39,923,440$20,796,169$17,058,664$33,625,765
48$43,931,426$21,750,977$17,565,924$36,478,707
49$48,346,204$22,750,547$18,088,155$39,601,071
50$53,209,203$23,797,010$18,625,795$43,019,485
51$58,566,076$24,892,598$19,179,294$46,763,255
52$64,467,131$26,039,651$19,749,115$50,864,644
53$70,967,803$27,240,619$20,335,735$55,359,163
54$78,129,183$28,498,073$20,939,646$60,285,906
55$86,018,587$29,814,706$21,561,352$65,687,912
56$94,710,198$31,193,341$22,201,372$71,612,567
57$104,285,760$32,636,937$22,860,240$78,112,043
58$114,835,357$34,148,596$23,538,507$85,243,786
59$126,458,255$35,731,569$24,236,739$93,071,051
60$139,263,843$37,389,262$24,955,516$101,663,493
61$153,372,667$39,125,248$25,695,438$111,097,816
62$168,917,565$40,943,271$26,457,120$121,458,492
63$186,044,919$42,847,254$27,241,197$132,838,549
64$204,916,044$44,841,312$28,048,320$145,340,441
65$225,708,701$46,929,758$28,879,159$159,077,008
66$248,618,783$49,117,110$29,734,406$174,172,529
67$273,862,159$51,408,108$30,614,768$190,763,892
68$301,676,713$53,807,720$31,520,977$209,001,872
69$332,324,591$56,321,151$32,453,783$229,052,543
70$366,094,674$58,953,862$33,413,959$251,098,840
71$403,305,304$61,711,574$34,402,300$275,342,273
72$444,307,290$64,600,287$35,419,622$302,004,815
73$489,487,222$67,626,289$36,466,768$331,330,990
74$539,271,115$70,796,174$37,544,601$363,590,165
75$594,128,436$74,116,853$38,654,012$399,079,083
76$654,576,531$77,595,574$39,795,916$438,124,648
77$721,185,512$81,239,932$40,971,254$481,086,996
78$794,583,638$85,057,892$42,180,995$528,362,886
79$875,463,244$89,057,804$43,426,133$580,389,421
80$964,587,280$93,248,421$44,707,694$637,648,165
81$1,062,796,512$97,638,923$46,026,731$700,669,668
82$1,171,017,458$102,238,932$47,384,328$770,038,461
83$1,290,271,134$107,058,535$48,781,599$846,398,548
84$1,421,682,697$112,108,311$50,219,690$930,459,476
85$1,566,492,063$117,399,349$51,699,780$1,023,003,005
86$1,726,065,613$122,943,276$53,223,082$1,124,890,469
87$1,901,909,092$128,752,284$54,790,842$1,237,070,887
88$2,095,681,827$134,839,153$56,404,343$1,360,589,899
89$2,309,212,389$141,217,287$58,064,903$1,496,599,608
90$2,544,515,854$147,900,736$59,773,879$1,646,369,437
91$2,803,812,833$154,904,233$61,532,666$1,811,298,083
92$3,089,550,429$162,243,228$63,342,697$1,992,926,693
93$3,404,425,343$169,933,917$65,205,448$2,192,953,387
94$3,751,409,333$177,993,284$67,122,436$2,413,249,257
95$4,133,777,267$186,439,137$69,095,220$2,655,875,998
96$4,555,138,043$195,290,148$71,125,403$2,923,105,339
97$5,019,468,655$204,565,897$73,214,636$3,217,440,456
98$5,531,151,745$214,286,914$75,364,614$3,541,639,566
99$6,095,016,975$224,474,725$77,577,081$3,898,741,927
100$6,716,386,623$235,151,902$79,853,829$4,292,096,493