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%17.6%
1 years$957,917$949,385$941,060$932,934$925,000$896,467
2 years$474,216$465,385$456,825$448,526$440,476$411,980
3 years$313,004$304,134$295,596$287,375$279,456$251,889
4 years$232,413$223,571$215,118$207,038$199,311$172,884
5 years$184,072$175,282$166,941$159,025$151,513$126,299
6 years$151,855$143,131$134,913$127,173$119,887$95,907
7 years$128,851$120,201$112,113$104,556$97,500$74,753
8 years$111,607$103,035$95,081$87,710$80,886$59,357
9 years$98,201$89,710$81,893$74,709$68,118$47,783
10 years$87,483$79,075$71,396$64,400$58,040$38,870
11 years$78,720$70,396$62,856$56,047$49,916$31,878
12 years$71,422$63,184$55,783$49,161$43,256$26,311
13 years$65,252$57,100$49,839$43,402$37,720$21,829
14 years$59,968$51,902$44,780$38,527$33,065$18,185
15 years$55,392$47,413$40,431$34,360$29,113$15,201
16 years$51,392$43,501$36,656$30,765$25,730$12,743
17 years$47,867$40,063$33,356$27,642$22,814$10,706
18 years$44,737$37,020$30,449$24,911$20,285$9,012
19 years$41,939$34,309$27,875$22,509$18,081$7,599
20 years$39,425$31,882$25,582$20,387$16,150$6,415
21 years$37,153$29,697$23,531$18,502$14,453$5,422
22 years$35,090$27,721$21,687$16,823$12,955$4,587
23 years$33,209$25,927$20,024$15,321$11,629$3,884
24 years$31,488$24,292$18,519$13,973$10,452$3,290
25 years$29,907$22,797$17,152$12,761$9,405$2,789
26 years$28,449$21,425$15,908$11,668$8,472$2,365
27 years$27,102$20,164$14,772$10,680$7,638$2,007
28 years$25,854$19,000$13,732$9,785$6,892$1,703
29 years$24,694$17,924$12,779$8,973$6,223$1,446
30 years$23,613$16,928$11,903$8,235$5,623$1,228
31 years$22,603$16,002$11,097$7,564$5,084$1,043
32 years$21,659$15,141$10,354$6,951$4,599$886
33 years$20,774$14,339$9,667$6,392$4,162$753
34 years$19,943$13,590$9,033$5,881$3,768$640
35 years$19,160$12,890$8,445$5,414$3,413$544
36 years$18,423$12,235$7,900$4,986$3,092$462
37 years$17,728$11,620$7,394$4,594$2,803$393
38 years$17,071$11,043$6,924$4,235$2,541$334
39 years$16,449$10,501$6,487$3,904$2,304$284
40 years$15,859$9,991$6,081$3,601$2,090$241
41 years$15,300$9,510$5,702$3,323$1,896$205
42 years$14,768$9,057$5,348$3,066$1,720$174
43 years$14,263$8,630$5,019$2,831$1,561$148
44 years$13,782$8,226$4,711$2,614$1,417$126
45 years$13,324$7,844$4,423$2,414$1,287$107
46 years$12,887$7,483$4,155$2,230$1,168$91
47 years$12,470$7,141$3,903$2,060$1,061$77
48 years$12,072$6,817$3,668$1,903$963$66
49 years$11,690$6,510$3,448$1,759$875$56
50 years$11,326$6,219$3,241$1,626$795$48

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 $6,997 every year, while hoping to spend $43,860 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: 82/6/12 Blend
34$11,600,000$11,600,000$11,600,000$11,600,000
35$12,790,417$12,175,617$11,995,817$13,811,334
36$14,048,373$12,725,556$12,351,011$15,031,619
37$15,433,171$13,300,971$12,716,633$16,364,671
38$16,957,701$13,903,066$13,092,987$17,827,007
39$18,636,169$14,533,099$13,480,385$19,431,579
40$20,484,228$15,192,391$13,879,147$21,192,655
41$22,519,125$15,882,323$14,289,604$23,125,950
42$24,759,865$16,604,346$14,712,095$25,248,768
43$27,227,389$17,359,977$15,146,968$27,580,175
44$29,944,775$18,150,808$15,594,583$30,141,167
45$32,937,449$18,978,505$16,055,310$32,954,873
46$36,233,434$19,844,816$16,529,527$36,046,770
47$39,863,604$20,751,572$17,017,626$39,444,924
48$43,861,984$21,700,692$17,520,009$43,180,250
49$48,266,066$22,694,185$18,037,089$47,286,807
50$53,117,164$23,734,160$18,569,291$51,802,112
51$58,460,805$24,822,824$19,117,053$56,767,500
52$64,347,157$25,962,492$19,680,823$62,228,504
53$70,831,502$27,155,589$20,261,066$68,235,292
54$77,974,759$28,404,657$20,858,256$74,843,131
55$85,844,060$29,712,361$21,472,883$82,112,911
56$94,513,380$31,081,492$22,105,450$90,111,720
57$104,064,237$32,514,978$22,756,475$98,913,467
58$114,586,462$34,015,884$23,426,490$108,599,588
59$126,179,045$35,587,427$24,116,042$119,259,805
60$138,951,072$37,232,975$24,825,693$130,992,973
61$153,022,752$38,956,061$25,556,024$143,908,013
62$168,526,551$40,760,386$26,307,629$158,124,933
63$185,608,444$42,649,831$27,081,120$173,775,964
64$204,429,295$44,628,462$27,877,128$191,006,801
65$225,166,370$46,700,543$28,696,298$209,977,979
66$248,015,013$48,870,543$29,539,297$230,866,382
67$273,190,489$51,143,145$30,406,809$253,866,914
68$300,930,020$53,523,260$31,299,538$279,194,333
69$331,495,018$56,016,035$32,218,207$307,085,275
70$365,173,554$58,626,865$33,163,562$337,800,486
71$402,283,081$61,361,406$34,136,366$371,627,281
72$443,173,427$64,225,587$35,137,406$408,882,249
73$488,230,100$67,225,624$36,167,492$449,914,240
74$537,877,921$70,368,031$37,227,454$495,107,657
75$592,585,044$73,659,639$38,318,149$544,886,076
76$652,867,366$77,107,609$39,440,454$599,716,243
77$719,293,402$80,719,446$40,595,274$660,112,476
78$792,489,651$84,503,021$41,783,538$726,641,516
79$873,146,509$88,466,583$43,006,200$799,927,871
80$962,024,789$92,618,781$44,264,244$880,659,707
81$1,059,962,899$96,968,684$45,558,678$969,595,341
82$1,167,884,762$101,525,796$46,890,540$1,067,570,393
83$1,286,808,532$106,300,084$48,260,898$1,175,505,669
84$1,417,856,212$111,301,998$49,670,848$1,294,415,849
85$1,562,264,241$116,542,492$51,121,517$1,425,419,059
86$1,721,395,170$122,033,051$52,614,064$1,569,747,422
87$1,896,750,524$127,785,716$54,149,681$1,728,758,682
88$2,089,984,974$133,813,113$55,729,593$1,903,949,013
89$2,302,921,964$140,128,478$57,355,057$2,096,967,142
90$2,537,570,921$146,745,690$59,027,367$2,309,629,901
91$2,796,146,224$153,679,299$60,747,854$2,543,939,376
92$3,081,088,116$160,944,561$62,517,884$2,802,101,795
93$3,395,085,732$168,557,473$64,338,861$3,086,548,351
94$3,741,102,494$176,534,806$66,212,230$3,399,958,147
95$4,122,404,083$184,894,147$68,139,475$3,745,283,474
96$4,542,589,272$193,653,932$70,122,120$4,125,777,676
97$5,005,623,900$202,833,497$72,161,732$4,545,025,858
98$5,515,878,311$212,453,111$74,259,924$5,006,978,713
99$6,078,168,616$222,534,031$76,418,348$5,515,989,816
100$6,697,802,160$233,098,543$78,638,708$6,076,856,711