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%11.8%
1 years$974,433$965,753$957,285$949,019$940,949$933,845
2 years$482,393$473,408$464,701$456,259$448,071$440,909
3 years$318,401$309,378$300,693$292,330$284,274$277,276
4 years$236,421$227,425$218,827$210,607$202,747$195,966
5 years$187,245$178,304$169,819$161,766$154,125$147,582
6 years$154,473$145,599$137,239$129,366$121,954$115,656
7 years$131,073$122,274$114,046$106,359$99,181$93,132
8 years$113,531$104,811$96,720$89,222$82,280$76,480
9 years$99,894$91,257$83,305$75,997$69,292$63,739
10 years$88,992$80,438$72,627$65,510$59,040$53,731
11 years$80,077$71,610$63,940$57,014$50,777$45,708
12 years$72,653$64,273$56,745$50,009$44,002$39,169
13 years$66,377$58,084$50,698$44,150$38,370$33,768
14 years$61,001$52,797$45,552$39,192$33,635$29,257
15 years$56,347$48,231$41,128$34,952$29,615$25,456
16 years$52,278$44,251$37,288$31,296$26,174$22,227
17 years$48,692$40,753$33,931$28,119$23,208$19,467
18 years$45,508$37,658$30,974$25,341$20,635$17,094
19 years$42,662$34,901$28,356$22,898$18,393$15,043
20 years$40,104$32,432$26,023$20,738$16,429$13,264
21 years$37,793$30,209$23,936$18,821$14,702$11,715
22 years$35,695$28,199$22,061$17,113$13,178$10,363
23 years$33,782$26,374$20,370$15,585$11,829$9,178
24 years$32,031$24,711$18,838$14,214$10,633$8,138
25 years$30,422$23,190$17,448$12,981$9,568$7,222
26 years$28,940$21,795$16,182$11,870$8,618$6,416
27 years$27,570$20,511$15,027$10,864$7,770$5,704
28 years$26,300$19,328$13,969$9,954$7,011$5,074
29 years$25,119$18,233$13,000$9,128$6,331$4,516
30 years$24,020$17,219$12,109$8,377$5,720$4,022
31 years$22,993$16,278$11,289$7,694$5,172$3,584
32 years$22,033$15,402$10,532$7,071$4,678$3,195
33 years$21,132$14,586$9,834$6,502$4,234$2,849
34 years$20,286$13,825$9,188$5,983$3,833$2,541
35 years$19,491$13,112$8,591$5,507$3,472$2,267
36 years$18,741$12,446$8,036$5,072$3,146$2,024
37 years$18,034$11,820$7,522$4,673$2,851$1,807
38 years$17,365$11,234$7,044$4,308$2,585$1,613
39 years$16,732$10,682$6,599$3,972$2,344$1,441
40 years$16,132$10,163$6,186$3,663$2,126$1,287
41 years$15,564$9,674$5,800$3,380$1,929$1,150
42 years$15,023$9,213$5,441$3,119$1,750$1,027
43 years$14,509$8,779$5,105$2,879$1,588$918
44 years$14,020$8,368$4,792$2,659$1,442$820
45 years$13,554$7,979$4,500$2,455$1,309$733
46 years$13,109$7,612$4,226$2,268$1,188$655
47 years$12,685$7,264$3,971$2,095$1,079$586
48 years$12,280$6,935$3,731$1,936$980$524
49 years$11,892$6,622$3,507$1,789$890$468
50 years$11,521$6,326$3,297$1,654$808$419

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 $3,963 every year, while hoping to spend $27,172 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: 43/44/13 Blend
34$11,800,000$11,800,000$11,800,000$11,800,000
35$13,007,688$12,382,288$12,199,388$13,517,755
36$14,305,561$12,960,109$12,579,157$14,452,791
37$15,734,907$13,565,333$12,970,737$15,462,122
38$17,309,107$14,199,273$13,374,496$16,554,987
39$19,042,906$14,863,308$13,790,811$17,739,058
40$20,952,553$15,558,881$14,220,074$19,022,755
41$23,055,953$16,287,506$14,662,686$20,415,316
42$25,372,836$17,050,770$15,119,063$21,926,877
43$27,924,945$17,850,337$15,589,631$23,568,567
44$30,736,237$18,687,951$16,074,831$25,352,603
45$33,833,114$19,565,441$16,575,119$27,292,401
46$37,244,668$20,484,725$17,090,962$29,402,695
47$41,002,959$21,447,811$17,622,844$31,699,669
48$45,143,315$22,456,808$18,171,263$34,201,102
49$49,704,666$23,513,924$18,736,733$36,926,533
50$54,729,912$24,621,476$19,319,783$39,897,428
51$60,266,326$25,781,892$19,920,960$43,137,384
52$66,366,005$26,997,719$20,540,826$46,672,338
53$73,086,356$28,271,625$21,179,962$50,530,803
54$80,490,639$29,606,410$21,838,965$54,744,128
55$88,648,568$31,005,007$22,518,454$59,346,785
56$97,636,964$32,470,494$23,219,064$64,376,681
57$107,540,482$34,006,097$23,941,451$69,875,510
58$118,452,413$35,615,197$24,686,292$75,889,129
59$130,475,559$37,301,342$25,454,282$82,467,983
60$143,723,208$39,068,249$26,246,142$89,667,567
61$158,320,200$40,919,818$27,062,612$97,548,938
62$174,404,107$42,860,136$27,904,457$106,179,276
63$192,126,533$44,893,490$28,772,463$115,632,503
64$211,654,543$47,024,374$29,667,444$125,989,968
65$233,172,239$49,257,501$30,590,237$137,341,199
66$256,882,502$51,597,813$31,541,704$149,784,730
67$283,008,902$54,050,491$32,522,736$163,429,012
68$311,797,814$56,620,969$33,534,251$178,393,423
69$343,520,737$59,314,943$34,577,195$194,809,374
70$378,476,865$62,138,387$35,652,544$212,821,529
71$416,995,903$65,097,567$36,761,302$232,589,149
72$459,441,187$68,199,049$37,904,507$254,287,575
73$506,213,108$71,449,723$39,083,228$278,109,860
74$557,752,897$74,856,810$40,298,568$304,268,566
75$614,546,784$78,427,886$41,551,662$332,997,749
76$677,130,595$82,170,892$42,843,682$364,555,138
77$746,094,806$86,094,156$44,175,836$399,224,542
78$822,090,119$90,206,412$45,549,369$437,318,502
79$905,833,604$94,516,819$46,965,565$479,181,208
80$998,115,468$99,034,979$48,425,748$525,191,718
81$1,099,806,517$103,770,965$49,931,282$575,767,505
82$1,211,866,377$108,735,337$51,483,575$631,368,361
83$1,335,352,550$113,939,171$53,084,077$692,500,700
84$1,471,430,400$119,394,080$54,734,284$759,722,305
85$1,621,384,155$125,112,245$56,435,737$833,647,547
86$1,786,629,031$131,106,437$58,190,026$914,953,151
87$1,968,724,590$137,390,050$59,998,790$1,004,384,534
88$2,169,389,468$143,977,132$61,863,718$1,102,762,798
89$2,390,517,594$150,882,412$63,786,554$1,210,992,434
90$2,634,196,077$158,121,339$65,769,092$1,330,069,812
91$2,902,724,904$165,710,112$67,813,184$1,461,092,529
92$3,198,638,658$173,665,721$69,920,739$1,605,269,722
93$3,524,730,443$182,005,983$72,093,726$1,763,933,419
94$3,884,078,255$190,749,583$74,334,172$1,938,551,057
95$4,280,074,042$199,916,117$76,644,171$2,130,739,269
96$4,716,455,722$209,526,135$79,025,879$2,342,279,082
97$5,197,342,478$219,601,188$81,481,519$2,575,132,659
98$5,727,273,645$230,163,880$84,013,383$2,831,461,747
99$6,311,251,561$241,237,914$86,623,836$3,113,648,016
100$6,954,788,798$252,848,150$89,315,312$3,424,315,453