Can I retire at age 35 with 11,700,000?

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 $11,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$966,175$957,569$949,172$940,977$932,974$927,873
2 years$478,304$469,397$460,763$452,393$444,274$439,126
3 years$315,702$306,756$298,144$289,852$281,865$276,831
4 years$234,417$225,498$216,973$208,822$201,029$196,146
5 years$185,659$176,793$168,380$160,396$152,819$148,103
6 years$153,164$144,365$136,076$128,270$120,920$116,377
7 years$129,962$121,237$113,080$105,458$98,341$93,972
8 years$112,569$103,923$95,901$88,466$81,583$77,389
9 years$99,048$90,484$82,599$75,353$68,705$64,685
10 years$88,237$79,757$72,012$64,955$58,540$54,692
11 years$79,398$71,003$63,398$56,530$50,346$46,668
12 years$72,038$63,728$56,264$49,585$43,629$40,117
13 years$65,814$57,592$50,268$43,776$38,045$34,696
14 years$60,484$52,349$45,166$38,859$33,350$30,160
15 years$55,870$47,822$40,779$34,656$29,364$26,329
16 years$51,835$43,876$36,972$31,030$25,952$23,068
17 years$48,280$40,408$33,643$27,881$23,011$20,273
18 years$45,122$37,339$30,712$25,126$20,460$17,864
19 years$42,301$34,605$28,115$22,704$18,237$15,777
20 years$39,765$32,157$25,803$20,562$16,289$13,962
21 years$37,473$29,953$23,734$18,662$14,577$12,377
22 years$35,392$27,960$21,874$16,968$13,066$10,989
23 years$33,495$26,150$20,197$15,453$11,729$9,769
24 years$31,759$24,501$18,679$14,094$10,542$8,695
25 years$30,164$22,993$17,300$12,871$9,487$7,747
26 years$28,695$21,610$16,045$11,769$8,545$6,909
27 years$27,336$20,337$14,899$10,772$7,704$6,166
28 years$26,077$19,164$13,851$9,870$6,952$5,507
29 years$24,906$18,079$12,889$9,051$6,277$4,922
30 years$23,816$17,074$12,006$8,306$5,672$4,401
31 years$22,798$16,140$11,193$7,629$5,128$3,938
32 years$21,846$15,272$10,443$7,011$4,638$3,524
33 years$20,953$14,463$9,751$6,447$4,198$3,156
34 years$20,114$13,707$9,111$5,932$3,801$2,827
35 years$19,326$13,001$8,518$5,461$3,442$2,533
36 years$18,582$12,340$7,968$5,029$3,119$2,270
37 years$17,881$11,720$7,458$4,634$2,827$2,035
38 years$17,218$11,138$6,984$4,271$2,563$1,825
39 years$16,590$10,592$6,543$3,938$2,324$1,637
40 years$15,996$10,077$6,133$3,632$2,108$1,468
41 years$15,432$9,592$5,751$3,351$1,912$1,317
42 years$14,896$9,135$5,395$3,093$1,735$1,182
43 years$14,386$8,704$5,062$2,855$1,575$1,061
44 years$13,901$8,297$4,752$2,636$1,430$952
45 years$13,439$7,912$4,462$2,435$1,298$855
46 years$12,998$7,548$4,190$2,249$1,178$767
47 years$12,578$7,203$3,937$2,078$1,070$689
48 years$12,176$6,876$3,700$1,920$972$619
49 years$11,791$6,566$3,477$1,774$883$555
50 years$11,423$6,272$3,269$1,640$802$499

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,700,000, adding $4,176 every year, while hoping to spend $38,501 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: 63/21/16 Blend
34$11,700,000$11,700,000$11,700,000$11,700,000
35$12,897,708$12,277,608$12,096,258$13,658,890
36$14,172,309$12,838,246$12,460,517$14,731,149
37$15,575,629$13,425,064$12,835,690$15,896,830
38$17,120,757$14,039,306$13,222,099$17,168,865
39$18,822,115$14,682,273$13,620,080$18,557,609
40$20,695,596$15,355,329$14,029,977$20,074,453
41$22,758,710$16,059,904$14,452,146$21,731,928
42$25,030,756$16,797,496$14,886,949$23,543,822
43$27,532,996$17,569,676$15,334,765$25,525,305
44$30,288,860$18,378,090$15,795,979$27,693,072
45$33,324,170$19,224,462$16,270,990$30,065,493
46$36,667,375$20,110,600$16,760,208$32,662,788
47$40,349,827$21,038,400$17,264,055$35,507,209
48$44,406,075$22,009,847$17,782,966$38,623,251
49$48,874,187$23,027,022$18,317,388$42,037,878
50$53,796,116$24,092,108$18,867,782$45,780,772
51$59,218,090$25,207,391$19,434,623$49,884,609
52$65,191,050$26,375,268$20,018,398$54,385,365
53$71,771,133$27,598,252$20,619,610$59,322,650
54$79,020,198$28,878,976$21,238,776$64,740,077
55$87,006,412$30,220,200$21,876,429$70,685,667
56$95,804,894$31,624,817$22,533,117$77,212,300
57$105,498,422$33,095,862$23,209,405$84,378,208
58$116,178,215$34,636,513$23,905,874$92,247,516
59$127,944,793$36,250,103$24,623,121$100,890,847
60$140,908,929$37,940,125$25,361,763$110,385,975
61$155,192,691$39,710,242$26,122,433$120,818,560
62$170,930,595$41,564,293$26,905,784$132,282,945
63$188,270,874$43,506,302$27,712,487$144,883,040
64$207,376,881$45,540,489$28,543,233$158,733,298
65$228,428,625$47,671,275$29,398,734$173,959,784
66$251,624,476$49,903,299$30,279,722$190,701,361
67$277,183,031$52,241,419$31,186,951$209,110,989
68$305,345,184$54,690,732$32,121,198$229,357,162
69$336,376,395$57,256,581$33,083,261$251,625,486
70$370,569,199$59,944,565$34,073,961$276,120,427
71$408,245,965$62,760,556$35,094,147$303,067,227
72$449,761,941$65,710,710$36,144,688$332,714,021
73$495,508,604$68,801,481$37,226,480$365,334,165
74$545,917,363$72,039,634$38,340,448$401,228,813
75$601,463,621$75,432,263$39,487,540$440,729,739
76$662,671,272$78,986,806$40,668,735$484,202,462
77$730,117,643$82,711,060$41,885,038$532,049,679
78$804,438,940$86,613,200$43,137,485$584,715,058
79$886,336,264$90,701,798$44,427,142$642,687,408
80$976,582,217$94,985,841$45,755,106$706,505,278
81$1,076,028,207$99,474,751$47,122,506$776,762,030
82$1,185,612,478$104,178,407$48,530,503$854,111,417
83$1,306,368,970$109,107,169$49,980,295$939,273,743
84$1,439,437,081$114,271,896$51,473,111$1,033,042,643
85$1,586,072,421$119,683,978$53,010,218$1,136,292,555
86$1,747,658,668$125,355,352$54,592,920$1,249,986,957
87$1,925,720,629$131,298,541$56,222,559$1,375,187,442
88$2,121,938,633$137,526,670$57,900,516$1,513,063,716
89$2,338,164,401$144,053,504$59,628,210$1,664,904,623
90$2,576,438,521$150,893,476$61,407,106$1,832,130,282
91$2,839,009,712$158,061,719$63,238,706$2,016,305,474
92$3,128,356,061$165,574,102$65,124,561$2,219,154,386
93$3,447,208,410$173,447,263$67,066,264$2,442,576,862
94$3,798,576,139$181,698,650$69,065,455$2,688,666,309
95$4,185,775,579$190,346,558$71,123,822$2,959,729,435
96$4,612,461,319$199,410,170$73,243,101$3,258,307,987
97$5,082,660,709$208,909,603$75,425,080$3,587,202,720
98$5,600,811,878$218,865,952$77,671,598$3,949,499,803
99$6,171,805,641$229,301,334$79,984,547$4,348,599,917
100$6,801,031,661$240,238,945$82,365,875$4,788,250,325