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

Use the below retirement simulation to view the chances of a successful retirement.
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%13%
1 years$974,433$965,753$957,285$949,019$940,949$929,190
2 years$482,393$473,408$464,701$456,259$448,071$436,240
3 years$318,401$309,378$300,693$292,330$284,274$272,738
4 years$236,421$227,425$218,827$210,607$202,747$191,594
5 years$187,245$178,304$169,819$161,766$154,125$143,388
6 years$154,473$145,599$137,239$129,366$121,954$111,645
7 years$131,073$122,274$114,046$106,359$99,181$89,305
8 years$113,531$104,811$96,720$89,222$82,280$72,836
9 years$99,894$91,257$83,305$75,997$69,292$60,276
10 years$88,992$80,438$72,627$65,510$59,040$50,445
11 years$80,077$71,610$63,940$57,014$50,777$42,595
12 years$72,653$64,273$56,745$50,009$44,002$36,225
13 years$66,377$58,084$50,698$44,150$38,370$30,989
14 years$61,001$52,797$45,552$39,192$33,635$26,638
15 years$56,347$48,231$41,128$34,952$29,615$22,990
16 years$52,278$44,251$37,288$31,296$26,174$19,909
17 years$48,692$40,753$33,931$28,119$23,208$17,291
18 years$45,508$37,658$30,974$25,341$20,635$15,054
19 years$42,662$34,901$28,356$22,898$18,393$13,134
20 years$40,104$32,432$26,023$20,738$16,429$11,479
21 years$37,793$30,209$23,936$18,821$14,702$10,049
22 years$35,695$28,199$22,061$17,113$13,178$8,808
23 years$33,782$26,374$20,370$15,585$11,829$7,730
24 years$32,031$24,711$18,838$14,214$10,633$6,791
25 years$30,422$23,190$17,448$12,981$9,568$5,971
26 years$28,940$21,795$16,182$11,870$8,618$5,254
27 years$27,570$20,511$15,027$10,864$7,770$4,627
28 years$26,300$19,328$13,969$9,954$7,011$4,076
29 years$25,119$18,233$13,000$9,128$6,331$3,593
30 years$24,020$17,219$12,109$8,377$5,720$3,169
31 years$22,993$16,278$11,289$7,694$5,172$2,796
32 years$22,033$15,402$10,532$7,071$4,678$2,468
33 years$21,132$14,586$9,834$6,502$4,234$2,179
34 years$20,286$13,825$9,188$5,983$3,833$1,924
35 years$19,491$13,112$8,591$5,507$3,472$1,700
36 years$18,741$12,446$8,036$5,072$3,146$1,502
37 years$18,034$11,820$7,522$4,673$2,851$1,327
38 years$17,365$11,234$7,044$4,308$2,585$1,173
39 years$16,732$10,682$6,599$3,972$2,344$1,037
40 years$16,132$10,163$6,186$3,663$2,126$917
41 years$15,564$9,674$5,800$3,380$1,929$810
42 years$15,023$9,213$5,441$3,119$1,750$717
43 years$14,509$8,779$5,105$2,879$1,588$634
44 years$14,020$8,368$4,792$2,659$1,442$561
45 years$13,554$7,979$4,500$2,455$1,309$496
46 years$13,109$7,612$4,226$2,268$1,188$439
47 years$12,685$7,264$3,971$2,095$1,079$388
48 years$12,280$6,935$3,731$1,936$980$343
49 years$11,892$6,622$3,507$1,789$890$304
50 years$11,521$6,326$3,297$1,654$808$269

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 $5,841 every year, while hoping to spend $44,893 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: 56/14/30 Blend
34$11,800,000$11,800,000$11,800,000$11,800,000
35$13,009,625$12,384,225$12,201,325$13,629,822
36$14,288,841$12,943,286$12,562,304$14,617,259
37$15,697,032$13,528,237$12,933,870$15,687,503
38$17,247,307$14,140,298$13,316,333$16,852,794
39$18,954,109$14,780,749$13,710,006$18,122,329
40$20,833,354$15,450,931$14,115,217$19,506,229
41$22,902,578$16,152,249$14,532,299$21,015,626
42$25,181,105$16,886,174$14,961,596$22,662,769
43$27,690,231$17,654,249$15,403,462$24,461,135
44$30,453,417$18,458,090$15,858,261$26,425,554
45$33,496,521$19,299,392$16,326,367$28,572,346
46$36,848,032$20,179,928$16,808,166$30,919,475
47$40,539,345$21,101,558$17,304,054$33,486,711
48$44,605,056$22,066,232$17,814,437$36,295,816
49$49,083,286$23,075,992$18,339,736$39,370,745
50$54,016,044$24,132,979$18,880,380$42,737,871
51$59,449,621$25,239,435$19,436,812$46,426,228
52$65,435,026$26,397,711$20,009,490$50,467,782
53$72,028,472$27,610,272$20,598,881$54,897,729
54$79,291,900$28,879,699$21,205,467$59,754,825
55$87,293,568$30,208,698$21,829,744$65,081,743
56$96,108,694$31,600,107$22,472,223$70,925,476
57$105,820,164$33,056,896$23,133,426$77,337,777
58$116,519,319$34,582,182$23,813,894$84,375,635
59$128,306,811$36,179,230$24,514,181$92,101,819
60$141,293,557$37,851,463$25,234,857$100,585,457
61$155,601,783$39,602,468$25,976,508$109,902,685
62$171,366,182$41,436,006$26,739,737$120,137,365
63$188,735,178$43,356,016$27,525,165$131,381,865
64$207,872,337$45,366,632$28,333,428$143,737,926
65$228,957,900$47,472,181$29,165,183$157,317,621
66$252,190,492$49,677,204$30,021,102$172,244,399
67$277,788,993$51,986,458$30,901,880$188,654,251
68$305,994,606$54,404,930$31,808,229$206,696,981
69$337,073,132$56,937,848$32,740,881$226,537,614
70$371,317,481$59,590,692$33,700,590$248,357,951
71$409,050,435$62,369,207$34,688,130$272,358,271
72$450,627,695$65,279,413$35,704,298$298,759,215
73$496,441,240$68,327,625$36,749,912$327,803,863
74$546,923,026$71,520,458$37,825,814$359,760,017
75$602,549,065$74,864,851$38,932,869$394,922,720
76$663,843,917$78,368,076$40,071,968$433,617,033
77$731,385,641$82,037,756$41,244,023$476,201,092
78$805,811,255$85,881,885$42,449,977$523,069,479
79$887,822,746$89,908,840$43,690,794$574,656,934
80$978,193,700$94,127,407$44,967,469$631,442,452
81$1,077,776,601$98,546,794$46,281,024$693,953,787
82$1,187,510,884$103,176,657$47,632,507$762,772,426
83$1,308,431,797$108,027,116$49,022,999$838,539,065
84$1,441,680,180$113,108,784$50,453,609$921,959,639
85$1,588,513,230$118,432,786$51,925,477$1,013,811,981
86$1,750,316,374$124,010,787$53,439,775$1,114,953,139
87$1,928,616,345$129,855,017$54,997,708$1,226,327,463
88$2,125,095,596$135,978,296$56,600,515$1,348,975,495
89$2,341,608,182$142,394,068$58,249,467$1,484,043,779
90$2,580,197,266$149,116,427$59,945,874$1,632,795,667
91$2,843,114,406$156,160,150$61,691,080$1,796,623,230
92$3,132,840,810$163,540,732$63,486,466$1,977,060,373
93$3,452,110,763$171,274,418$65,333,452$2,175,797,306
94$3,803,937,436$179,378,241$67,233,499$2,394,696,472
95$4,191,641,339$187,870,059$69,188,105$2,635,810,112
96$4,618,881,662$196,768,598$71,198,813$2,901,399,613
97$5,089,690,824$206,093,492$73,267,206$3,193,956,839
98$5,608,512,543$215,865,327$75,394,912$3,516,227,624
99$6,180,243,784$226,105,691$77,583,604$3,871,237,673
100$6,810,280,996$236,837,215$79,835,000$4,262,321,100