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%14.3%
1 years$966,175$957,569$949,172$940,977$932,974$916,387
2 years$478,304$469,397$460,763$452,393$444,274$427,619
3 years$315,702$306,756$298,144$289,852$281,865$265,662
4 years$234,417$225,498$216,973$208,822$201,029$185,401
5 years$185,659$176,793$168,380$160,396$152,819$137,812
6 years$153,164$144,365$136,076$128,270$120,920$106,552
7 years$129,962$121,237$113,080$105,458$98,341$84,614
8 years$112,569$103,923$95,901$88,466$81,583$68,494
9 years$99,048$90,484$82,599$75,353$68,705$56,247
10 years$88,237$79,757$72,012$64,955$58,540$46,702
11 years$79,398$71,003$63,398$56,530$50,346$39,115
12 years$72,038$63,728$56,264$49,585$43,629$32,990
13 years$65,814$57,592$50,268$43,776$38,045$27,981
14 years$60,484$52,349$45,166$38,859$33,350$23,843
15 years$55,870$47,822$40,779$34,656$29,364$20,396
16 years$51,835$43,876$36,972$31,030$25,952$17,503
17 years$48,280$40,408$33,643$27,881$23,011$15,062
18 years$45,122$37,339$30,712$25,126$20,460$12,991
19 years$42,301$34,605$28,115$22,704$18,237$11,226
20 years$39,765$32,157$25,803$20,562$16,289$9,718
21 years$37,473$29,953$23,734$18,662$14,577$8,424
22 years$35,392$27,960$21,874$16,968$13,066$7,311
23 years$33,495$26,150$20,197$15,453$11,729$6,352
24 years$31,759$24,501$18,679$14,094$10,542$5,524
25 years$30,164$22,993$17,300$12,871$9,487$4,807
26 years$28,695$21,610$16,045$11,769$8,545$4,187
27 years$27,336$20,337$14,899$10,772$7,704$3,648
28 years$26,077$19,164$13,851$9,870$6,952$3,181
29 years$24,906$18,079$12,889$9,051$6,277$2,774
30 years$23,816$17,074$12,006$8,306$5,672$2,421
31 years$22,798$16,140$11,193$7,629$5,128$2,113
32 years$21,846$15,272$10,443$7,011$4,638$1,845
33 years$20,953$14,463$9,751$6,447$4,198$1,611
34 years$20,114$13,707$9,111$5,932$3,801$1,408
35 years$19,326$13,001$8,518$5,461$3,442$1,230
36 years$18,582$12,340$7,968$5,029$3,119$1,075
37 years$17,881$11,720$7,458$4,634$2,827$939
38 years$17,218$11,138$6,984$4,271$2,563$821
39 years$16,590$10,592$6,543$3,938$2,324$718
40 years$15,996$10,077$6,133$3,632$2,108$628
41 years$15,432$9,592$5,751$3,351$1,912$549
42 years$14,896$9,135$5,395$3,093$1,735$480
43 years$14,386$8,704$5,062$2,855$1,575$420
44 years$13,901$8,297$4,752$2,636$1,430$367
45 years$13,439$7,912$4,462$2,435$1,298$321
46 years$12,998$7,548$4,190$2,249$1,178$281
47 years$12,578$7,203$3,937$2,078$1,070$246
48 years$12,176$6,876$3,700$1,920$972$215
49 years$11,791$6,566$3,477$1,774$883$188
50 years$11,423$6,272$3,269$1,640$802$164

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 $5,474 every year, while hoping to spend $27,487 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: 80/12/8 Blend
34$11,700,000$11,700,000$11,700,000$11,700,000
35$12,899,046$12,278,946$12,097,596$13,917,193
36$14,185,503$12,851,369$12,473,620$15,157,626
37$15,602,257$13,450,919$12,861,319$16,514,245
38$17,162,570$14,078,896$13,261,056$18,002,003
39$18,881,055$14,736,665$13,673,203$19,633,983
40$20,773,813$15,425,652$14,098,147$21,424,595
41$22,858,591$16,147,358$14,536,283$23,389,702
42$25,154,940$16,903,351$14,988,021$25,546,774
43$27,684,406$17,695,278$15,453,783$27,915,049
44$30,470,734$18,524,865$15,934,003$30,515,712
45$33,540,086$19,393,921$16,429,130$33,372,093
46$36,921,295$20,304,342$16,939,625$36,509,888
47$40,646,131$21,258,119$17,465,966$39,957,396
48$44,749,604$22,257,334$18,008,644$43,745,784
49$49,270,294$23,304,175$18,568,164$47,909,383
50$54,250,717$24,400,932$19,145,050$52,486,004
51$59,737,720$25,550,007$19,739,840$57,517,297
52$65,782,931$26,753,921$20,353,087$63,049,139
53$72,443,240$28,015,313$20,985,366$69,132,065
54$79,781,339$29,336,953$21,637,265$75,821,742
55$87,866,315$30,721,743$22,309,393$83,179,490
56$96,774,298$32,172,727$23,002,376$91,272,863
57$106,589,182$33,693,096$23,716,861$100,176,277
58$117,403,417$35,286,196$24,453,515$109,971,712
59$129,318,881$36,955,536$25,213,023$120,749,483
60$142,447,843$38,704,793$25,996,095$132,609,086
61$156,914,020$40,537,825$26,803,461$145,660,137
62$172,853,746$42,458,674$27,635,874$160,023,401
63$190,417,261$44,471,582$28,494,108$175,831,925
64$209,770,127$46,580,995$29,378,965$193,232,296
65$231,094,789$48,791,572$30,291,270$212,386,013
66$254,592,302$51,108,204$31,231,872$233,471,011
67$280,484,225$53,536,015$32,201,649$256,683,335
68$309,014,715$56,080,379$33,201,503$282,238,985
69$340,452,830$58,746,931$34,232,367$310,375,949
70$375,095,069$61,541,581$35,295,202$341,356,443
71$413,268,172$64,470,524$36,390,997$375,469,385
72$455,332,204$67,540,258$37,520,773$413,033,109
73$501,683,953$70,757,595$38,685,583$454,398,370
74$552,760,678$74,129,679$39,886,513$499,951,643
75$609,044,236$77,664,002$41,124,679$550,118,770
76$671,065,628$81,368,419$42,401,236$605,368,965
77$739,410,017$85,251,166$43,717,373$666,219,245
78$814,722,249$89,320,883$45,074,315$733,239,292
79$897,712,939$93,586,627$46,473,325$807,056,832
80$989,165,183$98,057,896$47,915,706$888,363,545
81$1,089,941,950$102,744,652$49,402,801$977,921,590
82$1,200,994,228$107,657,339$50,935,993$1,076,570,787
83$1,323,370,002$112,806,911$52,516,712$1,185,236,537
84$1,458,224,147$118,204,854$54,146,426$1,304,938,546
85$1,606,829,332$123,863,215$55,826,654$1,436,800,441
86$1,770,588,036$129,794,624$57,558,959$1,582,060,367
87$1,951,045,784$136,012,329$59,344,952$1,742,082,659
88$2,149,905,742$142,530,221$61,186,296$1,918,370,717
89$2,369,044,794$149,362,868$63,084,703$2,112,581,176
90$2,610,531,262$156,525,548$65,041,940$2,326,539,539
91$2,876,644,434$164,034,282$67,059,828$2,562,257,392
92$3,169,896,076$171,905,872$69,140,242$2,821,951,382
93$3,493,054,154$180,157,938$71,285,119$3,108,064,124
94$3,849,168,960$188,808,959$73,496,452$3,423,287,246
95$4,241,601,909$197,878,313$75,776,298$3,770,586,784
96$4,674,057,277$207,386,324$78,126,777$4,153,231,160
97$5,150,617,169$217,354,304$80,550,075$4,574,822,023
98$5,675,780,061$227,804,606$83,048,443$5,039,328,229
99$6,254,503,267$238,760,671$85,624,205$5,551,123,288
100$6,892,249,739$250,247,082$88,279,755$6,115,026,634