Can I retire at age 35 with 11,800,000?

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 $11,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$974,433$965,753$957,285$949,019$940,949$916,343
2 years$482,393$473,408$464,701$456,259$448,071$423,449
3 years$318,401$309,378$300,693$292,330$284,274$260,406
4 years$236,421$227,425$218,827$210,607$202,747$179,816
5 years$187,245$178,304$169,819$161,766$154,125$132,195
6 years$154,473$145,599$137,239$129,366$121,954$101,046
7 years$131,073$122,274$114,046$106,359$99,181$79,297
8 years$113,531$104,811$96,720$89,222$82,280$63,411
9 years$99,894$91,257$83,305$75,997$69,292$51,420
10 years$88,992$80,438$72,627$65,510$59,040$42,143
11 years$80,077$71,610$63,940$57,014$50,777$34,829
12 years$72,653$64,273$56,745$50,009$44,002$28,976
13 years$66,377$58,084$50,698$44,150$38,370$24,235
14 years$61,001$52,797$45,552$39,192$33,635$20,358
15 years$56,347$48,231$41,128$34,952$29,615$17,162
16 years$52,278$44,251$37,288$31,296$26,174$14,511
17 years$48,692$40,753$33,931$28,119$23,208$12,299
18 years$45,508$37,658$30,974$25,341$20,635$10,446
19 years$42,662$34,901$28,356$22,898$18,393$8,887
20 years$40,104$32,432$26,023$20,738$16,429$7,572
21 years$37,793$30,209$23,936$18,821$14,702$6,459
22 years$35,695$28,199$22,061$17,113$13,178$5,516
23 years$33,782$26,374$20,370$15,585$11,829$4,714
24 years$32,031$24,711$18,838$14,214$10,633$4,032
25 years$30,422$23,190$17,448$12,981$9,568$3,451
26 years$28,940$21,795$16,182$11,870$8,618$2,955
27 years$27,570$20,511$15,027$10,864$7,770$2,532
28 years$26,300$19,328$13,969$9,954$7,011$2,170
29 years$25,119$18,233$13,000$9,128$6,331$1,860
30 years$24,020$17,219$12,109$8,377$5,720$1,596
31 years$22,993$16,278$11,289$7,694$5,172$1,369
32 years$22,033$15,402$10,532$7,071$4,678$1,174
33 years$21,132$14,586$9,834$6,502$4,234$1,008
34 years$20,286$13,825$9,188$5,983$3,833$865
35 years$19,491$13,112$8,591$5,507$3,472$742
36 years$18,741$12,446$8,036$5,072$3,146$637
37 years$18,034$11,820$7,522$4,673$2,851$547
38 years$17,365$11,234$7,044$4,308$2,585$470
39 years$16,732$10,682$6,599$3,972$2,344$404
40 years$16,132$10,163$6,186$3,663$2,126$347
41 years$15,564$9,674$5,800$3,380$1,929$298
42 years$15,023$9,213$5,441$3,119$1,750$256
43 years$14,509$8,779$5,105$2,879$1,588$220
44 years$14,020$8,368$4,792$2,659$1,442$189
45 years$13,554$7,979$4,500$2,455$1,309$162
46 years$13,109$7,612$4,226$2,268$1,188$139
47 years$12,685$7,264$3,971$2,095$1,079$120
48 years$12,280$6,935$3,731$1,936$980$103
49 years$11,892$6,622$3,507$1,789$890$88
50 years$11,521$6,326$3,297$1,654$808$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,800,000, adding $2,765 every year, while hoping to spend $24,767 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: 31/45/24 Blend
34$11,800,000$11,800,000$11,800,000$11,800,000
35$13,006,452$12,381,052$12,198,152$13,313,193
36$14,306,758$12,961,372$12,580,438$14,127,968
37$15,738,866$13,569,297$12,974,701$15,002,020
38$17,316,192$14,206,154$13,381,315$15,942,404
39$19,053,522$14,873,334$13,800,668$16,954,924
40$20,967,149$15,572,295$14,233,158$18,045,933
41$23,075,026$16,304,566$14,679,196$19,222,387
42$25,396,937$17,071,748$15,139,208$20,491,908
43$27,954,683$17,875,522$15,613,630$21,862,844
44$30,772,288$18,717,650$16,102,914$23,344,347
45$33,876,225$19,599,978$16,607,525$24,946,446
46$37,295,666$20,524,444$17,127,943$26,680,142
47$41,062,758$21,493,075$17,664,664$28,557,496
48$45,212,926$22,508,003$18,218,197$30,591,743
49$49,785,207$23,571,457$18,789,068$32,797,403
50$54,822,618$24,685,779$19,377,822$35,190,410
51$60,372,563$25,853,420$19,985,018$37,788,255
52$66,487,282$27,076,955$20,611,233$40,610,143
53$73,224,338$28,359,079$21,257,062$43,677,158
54$80,647,167$29,702,621$21,923,121$47,012,460
55$88,825,674$31,110,545$22,610,042$50,641,486
56$97,836,893$32,585,962$23,318,478$54,592,182
57$107,765,713$34,132,131$24,049,104$58,895,254
58$118,705,680$35,752,469$24,802,613$63,584,445
59$130,759,881$37,450,562$25,579,722$68,696,842
60$144,041,917$39,230,168$26,381,171$74,273,209
61$158,676,973$41,095,227$27,207,721$80,358,364
62$174,803,003$43,049,871$28,060,158$87,001,577
63$192,572,028$45,098,434$28,939,292$94,257,031
64$212,151,577$47,245,459$29,845,960$102,184,308
65$233,726,261$49,495,709$30,781,023$110,848,937
66$257,499,522$51,854,182$31,745,370$120,322,998
67$283,695,551$54,326,115$32,739,918$130,685,779
68$312,561,404$56,917,001$33,765,612$142,024,507
69$344,369,335$59,632,602$34,823,427$154,435,150
70$379,419,365$62,478,957$35,914,370$168,023,303
71$418,042,115$65,462,401$37,039,476$182,905,160
72$460,601,927$68,589,575$38,199,815$199,208,588
73$507,500,306$71,867,446$39,396,491$217,074,311
74$559,179,703$75,303,318$40,630,640$236,657,210
75$616,127,702$78,904,850$41,903,436$258,127,759
76$678,881,615$82,680,074$43,216,088$281,673,607
77$748,033,556$86,637,414$44,569,843$307,501,319
78$824,236,035$90,785,704$45,965,989$335,838,292
79$908,208,114$95,134,206$47,405,853$366,934,876
80$1,000,742,194$99,692,635$48,890,801$401,066,696
81$1,102,711,501$104,471,177$50,422,247$438,537,222
82$1,215,078,326$109,480,517$52,001,644$479,680,596
83$1,338,903,111$114,731,857$53,630,494$524,864,748
84$1,475,354,457$120,236,947$55,310,345$574,494,824
85$1,625,720,162$126,008,109$57,042,792$629,016,976
86$1,791,419,375$132,058,262$58,829,482$688,922,521
87$1,974,015,994$138,400,960$60,672,112$754,752,537
88$2,175,233,432$145,050,413$62,572,434$827,102,917
89$2,396,970,884$152,021,525$64,532,253$906,629,949
90$2,641,321,260$159,329,926$66,553,430$994,056,453
91$2,910,590,945$166,992,009$68,637,885$1,090,178,551
92$3,207,321,567$175,024,963$70,787,600$1,195,873,119
93$3,534,313,998$183,446,818$73,004,617$1,312,106,010
94$3,894,654,795$192,276,481$75,291,040$1,439,941,100
95$4,291,745,338$201,533,782$77,649,044$1,580,550,269
96$4,729,333,942$211,239,517$80,080,866$1,735,224,388
97$5,211,551,247$221,415,496$82,588,818$1,905,385,437
98$5,742,949,212$232,084,593$85,175,281$2,092,599,843
99$6,328,544,091$243,270,798$87,842,713$2,298,593,194
100$6,973,863,791$254,999,270$90,593,646$2,525,266,438