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%19.8%
1 years$974,433$965,753$957,285$949,019$940,949$903,972
2 years$482,393$473,408$464,701$456,259$448,071$411,270
3 years$318,401$309,378$300,693$292,330$284,274$248,809
4 years$236,421$227,425$218,827$210,607$202,747$168,885
5 years$187,245$178,304$169,819$161,766$154,125$121,954
6 years$154,473$145,599$137,239$129,366$121,954$91,495
7 years$131,073$122,274$114,046$106,359$99,181$70,423
8 years$113,531$104,811$96,720$89,222$82,280$55,195
9 years$99,894$91,257$83,305$75,997$69,292$43,838
10 years$88,992$80,438$72,627$65,510$59,040$35,169
11 years$80,077$71,610$63,940$57,014$50,777$28,433
12 years$72,653$64,273$56,745$50,009$44,002$23,127
13 years$66,377$58,084$50,698$44,150$38,370$18,901
14 years$61,001$52,797$45,552$39,192$33,635$15,506
15 years$56,347$48,231$41,128$34,952$29,615$12,761
16 years$52,278$44,251$37,288$31,296$26,174$10,528
17 years$48,692$40,753$33,931$28,119$23,208$8,703
18 years$45,508$37,658$30,974$25,341$20,635$7,207
19 years$42,662$34,901$28,356$22,898$18,393$5,976
20 years$40,104$32,432$26,023$20,738$16,429$4,961
21 years$37,793$30,209$23,936$18,821$14,702$4,122
22 years$35,695$28,199$22,061$17,113$13,178$3,428
23 years$33,782$26,374$20,370$15,585$11,829$2,852
24 years$32,031$24,711$18,838$14,214$10,633$2,375
25 years$30,422$23,190$17,448$12,981$9,568$1,978
26 years$28,940$21,795$16,182$11,870$8,618$1,648
27 years$27,570$20,511$15,027$10,864$7,770$1,373
28 years$26,300$19,328$13,969$9,954$7,011$1,145
29 years$25,119$18,233$13,000$9,128$6,331$955
30 years$24,020$17,219$12,109$8,377$5,720$796
31 years$22,993$16,278$11,289$7,694$5,172$664
32 years$22,033$15,402$10,532$7,071$4,678$554
33 years$21,132$14,586$9,834$6,502$4,234$462
34 years$20,286$13,825$9,188$5,983$3,833$386
35 years$19,491$13,112$8,591$5,507$3,472$322
36 years$18,741$12,446$8,036$5,072$3,146$269
37 years$18,034$11,820$7,522$4,673$2,851$224
38 years$17,365$11,234$7,044$4,308$2,585$187
39 years$16,732$10,682$6,599$3,972$2,344$156
40 years$16,132$10,163$6,186$3,663$2,126$130
41 years$15,564$9,674$5,800$3,380$1,929$109
42 years$15,023$9,213$5,441$3,119$1,750$91
43 years$14,509$8,779$5,105$2,879$1,588$76
44 years$14,020$8,368$4,792$2,659$1,442$63
45 years$13,554$7,979$4,500$2,455$1,309$53
46 years$13,109$7,612$4,226$2,268$1,188$44
47 years$12,685$7,264$3,971$2,095$1,079$37
48 years$12,280$6,935$3,731$1,936$980$31
49 years$11,892$6,622$3,507$1,789$890$26
50 years$11,521$6,326$3,297$1,654$808$21

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 $2,761 every year, while hoping to spend $36,840 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: 28/43/29 Blend
34$11,800,000$11,800,000$11,800,000$11,800,000
35$13,006,448$12,381,048$12,198,148$13,253,788
36$14,293,908$12,948,522$12,567,588$14,020,239
37$15,711,455$13,542,567$12,948,170$14,839,733
38$17,272,317$14,164,447$13,340,228$15,719,445
39$18,991,074$14,815,486$13,744,106$16,664,575
40$20,883,789$15,497,070$14,160,159$17,680,811
41$22,968,163$16,210,654$14,588,752$18,774,380
42$25,263,701$16,957,761$15,030,261$19,952,102
43$27,791,897$17,739,990$15,485,073$21,221,444
44$30,576,435$18,559,014$15,953,588$22,590,590
45$33,643,413$19,416,588$16,436,215$24,068,507
46$37,021,591$20,314,550$16,933,378$25,665,026
47$40,742,660$21,254,829$17,445,512$27,390,924
48$44,841,540$22,239,445$17,973,066$29,258,024
49$49,356,715$23,270,516$18,516,501$31,279,294
50$54,330,590$24,350,261$19,076,294$33,468,961
51$59,809,894$25,481,008$19,652,934$35,842,642
52$65,846,121$26,665,195$20,246,925$38,417,476
53$72,496,015$27,905,379$20,858,787$41,212,282
54$79,822,106$29,204,240$21,489,054$44,247,723
55$87,893,301$30,564,588$22,138,277$47,546,493
56$96,785,532$31,989,367$22,807,024$51,133,520
57$106,582,475$33,481,665$23,495,877$55,036,191
58$117,376,337$35,044,716$24,205,439$59,284,598
59$129,268,731$36,681,915$24,936,329$63,911,810
60$142,371,629$38,396,816$25,689,183$68,954,172
61$156,808,424$40,193,148$26,464,659$74,451,637
62$172,715,090$42,074,820$27,263,433$80,448,127
63$190,241,471$44,045,928$28,086,200$86,991,935
64$209,552,691$46,110,768$28,933,677$94,136,163
65$230,830,712$48,273,842$29,806,602$101,939,210
66$254,276,057$50,539,872$30,705,735$110,465,308
67$280,109,695$52,913,807$31,631,858$119,785,105
68$308,575,136$55,400,835$32,585,777$129,976,320
69$339,940,720$58,006,397$33,568,321$141,124,457
70$374,502,158$60,736,195$34,580,344$153,323,587
71$412,585,319$63,596,209$35,622,726$166,677,221
72$454,549,306$66,592,708$36,696,372$181,299,264
73$500,789,849$69,732,264$37,802,214$197,315,067
74$551,743,037$73,021,768$38,941,211$214,862,585
75$607,889,438$76,468,446$40,114,353$234,093,658
76$669,758,633$80,079,872$41,322,657$255,175,415
77$737,934,217$83,863,990$42,567,169$278,291,827
78$813,059,307$87,829,125$43,848,969$303,645,414
79$895,842,614$91,984,009$45,169,167$331,459,128
80$987,065,133$96,337,798$46,528,906$361,978,424
81$1,087,587,515$100,900,089$47,929,364$395,473,548
82$1,198,358,196$105,680,948$49,371,751$432,242,052
83$1,320,422,343$110,690,926$50,857,317$472,611,568
84$1,454,931,730$115,941,088$52,387,344$516,942,862
85$1,603,155,602$121,443,038$53,963,156$565,633,204
86$1,766,492,666$127,208,939$55,586,114$619,120,073
87$1,946,484,289$133,251,548$57,257,620$677,885,249
88$2,144,829,053$139,584,240$58,979,117$742,459,311
89$2,363,398,788$146,221,040$60,752,089$813,426,604
90$2,604,256,248$153,176,655$62,578,068$891,430,703
91$2,869,674,578$160,466,503$64,458,626$977,180,438
92$3,162,158,780$168,106,757$66,395,385$1,071,456,531
93$3,484,469,358$176,114,371$68,390,013$1,175,118,914
94$3,839,648,383$184,507,125$70,444,228$1,289,114,782
95$4,231,048,207$193,303,663$72,559,799$1,414,487,477
96$4,662,363,118$202,523,536$74,738,546$1,552,386,273
97$5,137,664,211$212,187,245$76,982,342$1,704,077,158
98$5,661,437,827$222,316,286$79,293,117$1,870,954,712
99$6,238,627,906$232,933,205$81,672,857$2,054,555,202
100$6,874,682,661$244,061,641$84,123,606$2,256,571,003