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%16.2%
1 years$957,917$949,385$941,060$932,934$925,000$901,541
2 years$474,216$465,385$456,825$448,526$440,476$416,994
3 years$313,004$304,134$295,596$287,375$279,456$256,685
4 years$232,413$223,571$215,118$207,038$199,311$177,426
5 years$184,072$175,282$166,941$159,025$151,513$130,575
6 years$151,855$143,131$134,913$127,173$119,887$99,917
7 years$128,851$120,201$112,113$104,556$97,500$78,500
8 years$111,607$103,035$95,081$87,710$80,886$62,847
9 years$98,201$89,710$81,893$74,709$68,118$51,024
10 years$87,483$79,075$71,396$64,400$58,040$41,871
11 years$78,720$70,396$62,856$56,047$49,916$34,649
12 years$71,422$63,184$55,783$49,161$43,256$28,863
13 years$65,252$57,100$49,839$43,402$37,720$24,173
14 years$59,968$51,902$44,780$38,527$33,065$20,334
15 years$55,392$47,413$40,431$34,360$29,113$17,166
16 years$51,392$43,501$36,656$30,765$25,730$14,535
17 years$47,867$40,063$33,356$27,642$22,814$12,337
18 years$44,737$37,020$30,449$24,911$20,285$10,494
19 years$41,939$34,309$27,875$22,509$18,081$8,941
20 years$39,425$31,882$25,582$20,387$16,150$7,629
21 years$37,153$29,697$23,531$18,502$14,453$6,518
22 years$35,090$27,721$21,687$16,823$12,955$5,575
23 years$33,209$25,927$20,024$15,321$11,629$4,772
24 years$31,488$24,292$18,519$13,973$10,452$4,088
25 years$29,907$22,797$17,152$12,761$9,405$3,505
26 years$28,449$21,425$15,908$11,668$8,472$3,006
27 years$27,102$20,164$14,772$10,680$7,638$2,580
28 years$25,854$19,000$13,732$9,785$6,892$2,214
29 years$24,694$17,924$12,779$8,973$6,223$1,902
30 years$23,613$16,928$11,903$8,235$5,623$1,634
31 years$22,603$16,002$11,097$7,564$5,084$1,404
32 years$21,659$15,141$10,354$6,951$4,599$1,206
33 years$20,774$14,339$9,667$6,392$4,162$1,037
34 years$19,943$13,590$9,033$5,881$3,768$892
35 years$19,160$12,890$8,445$5,414$3,413$767
36 years$18,423$12,235$7,900$4,986$3,092$659
37 years$17,728$11,620$7,394$4,594$2,803$567
38 years$17,071$11,043$6,924$4,235$2,541$488
39 years$16,449$10,501$6,487$3,904$2,304$419
40 years$15,859$9,991$6,081$3,601$2,090$361
41 years$15,300$9,510$5,702$3,323$1,896$310
42 years$14,768$9,057$5,348$3,066$1,720$267
43 years$14,263$8,630$5,019$2,831$1,561$230
44 years$13,782$8,226$4,711$2,614$1,417$198
45 years$13,324$7,844$4,423$2,414$1,287$170
46 years$12,887$7,483$4,155$2,230$1,168$146
47 years$12,470$7,141$3,903$2,060$1,061$126
48 years$12,072$6,817$3,668$1,903$963$108
49 years$11,690$6,510$3,448$1,759$875$93
50 years$11,326$6,219$3,241$1,626$795$80

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 $3,014 every year, while hoping to spend $41,955 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: 60/25/15 Blend
34$11,600,000$11,600,000$11,600,000$11,600,000
35$12,786,309$12,171,509$11,991,709$13,505,056
36$14,045,873$12,723,273$12,348,791$14,541,684
37$15,432,506$13,300,668$12,716,430$15,667,051
38$16,959,125$13,904,904$13,094,934$16,893,704
39$18,639,963$14,537,252$13,484,622$18,231,436
40$20,490,704$15,199,041$13,885,821$19,691,017
41$22,528,628$15,891,666$14,298,868$21,284,291
42$24,772,778$16,616,588$14,724,110$23,024,286
43$27,244,138$17,375,338$15,161,905$24,925,333
44$29,965,829$18,169,519$15,612,618$27,003,198
45$32,963,331$19,000,813$16,076,628$29,275,228
46$36,264,720$19,870,981$16,554,323$31,760,508
47$39,900,932$20,781,870$17,046,104$34,480,041
48$43,906,060$21,735,415$17,552,382$37,456,940
49$48,317,671$22,733,643$18,073,580$40,716,641
50$53,177,162$23,778,680$18,610,133$44,287,142
51$58,530,151$24,872,753$19,162,490$48,199,258
52$64,426,905$26,018,197$19,731,113$52,486,911
53$70,922,818$27,217,457$20,316,474$57,187,442
54$78,078,932$28,473,100$20,919,063$62,341,960
55$85,962,513$29,787,811$21,539,381$67,995,724
56$94,647,683$31,164,408$22,177,944$74,198,564
57$104,216,127$32,605,844$22,835,285$81,005,345
58$114,757,855$34,115,213$23,511,950$88,476,479
59$126,372,057$35,695,759$24,208,501$96,678,489
60$139,168,038$37,350,883$24,925,517$105,684,628
61$153,266,249$39,084,147$25,663,593$115,575,566
62$168,799,424$40,899,288$26,423,341$126,440,142
63$185,913,834$42,800,222$27,205,392$138,376,194
64$204,770,665$44,791,053$28,010,392$151,491,476
65$225,547,541$46,876,083$28,839,009$165,904,666
66$248,440,203$49,059,823$29,691,928$181,746,474
67$273,664,350$51,347,002$30,569,855$199,160,874
68$301,457,683$53,742,574$31,473,514$218,306,443
69$332,082,143$56,251,736$32,403,653$239,357,855
70$365,826,384$58,879,933$33,361,038$262,507,518
71$403,008,501$61,632,876$34,346,459$287,967,375
72$443,979,031$64,516,550$35,360,728$315,970,896
73$489,124,260$67,537,229$36,404,680$346,775,271
74$538,869,873$70,701,491$37,479,175$380,663,819
75$593,684,969$74,016,233$38,585,096$417,948,655
76$654,086,491$77,488,684$39,723,352$458,973,620
77$720,644,107$81,126,423$40,894,878$504,117,510
78$793,985,584$84,937,396$42,100,635$553,797,639
79$874,802,719$88,929,934$43,341,612$608,473,760
80$963,857,866$93,112,771$44,618,826$668,652,391
81$1,061,991,134$97,495,062$45,933,322$734,891,575
82$1,170,128,318$102,086,408$47,286,176$807,806,133
83$1,289,289,639$106,896,874$48,678,495$888,073,447
84$1,420,599,373$111,937,012$50,111,416$976,439,832
85$1,565,296,469$117,217,886$51,586,109$1,073,727,565
86$1,724,746,242$122,751,096$53,103,777$1,180,842,620
87$1,900,453,263$128,548,803$54,665,657$1,298,783,201
88$2,094,075,560$134,623,759$56,273,021$1,428,649,140
89$2,307,440,278$140,989,334$57,927,178$1,571,652,252
90$2,542,560,921$147,659,546$59,629,473$1,729,127,754
91$2,801,656,365$154,649,093$61,381,290$1,902,546,834
92$3,087,171,801$161,973,387$63,184,051$2,093,530,518
93$3,401,801,827$169,648,585$65,039,219$2,303,864,935
94$3,748,515,878$177,691,630$66,948,297$2,535,518,156
95$4,130,586,266$186,120,288$68,912,833$2,790,658,731
96$4,551,619,069$194,953,186$70,934,417$3,071,676,131
97$5,015,588,177$204,209,855$73,014,683$3,381,203,270
98$5,526,872,810$213,910,777$75,155,314$3,722,141,319
99$6,090,298,856$224,077,424$77,358,036$4,097,687,056
100$6,711,184,437$234,732,315$79,624,628$4,511,363,004