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%12.8%
1 years$974,433$965,753$957,285$949,019$940,949$929,962
2 years$482,393$473,408$464,701$456,259$448,071$437,012
3 years$318,401$309,378$300,693$292,330$284,274$273,487
4 years$236,421$227,425$218,827$210,607$202,747$192,314
5 years$187,245$178,304$169,819$161,766$154,125$144,077
6 years$154,473$145,599$137,239$129,366$121,954$112,304
7 years$131,073$122,274$114,046$106,359$99,181$89,932
8 years$113,531$104,811$96,720$89,222$82,280$73,432
9 years$99,894$91,257$83,305$75,997$69,292$60,840
10 years$88,992$80,438$72,627$65,510$59,040$50,979
11 years$80,077$71,610$63,940$57,014$50,777$43,100
12 years$72,653$64,273$56,745$50,009$44,002$36,701
13 years$66,377$58,084$50,698$44,150$38,370$31,437
14 years$61,001$52,797$45,552$39,192$33,635$27,059
15 years$56,347$48,231$41,128$34,952$29,615$23,385
16 years$52,278$44,251$37,288$31,296$26,174$20,279
17 years$48,692$40,753$33,931$28,119$23,208$17,637
18 years$45,508$37,658$30,974$25,341$20,635$15,377
19 years$42,662$34,901$28,356$22,898$18,393$13,435
20 years$40,104$32,432$26,023$20,738$16,429$11,760
21 years$37,793$30,209$23,936$18,821$14,702$10,310
22 years$35,695$28,199$22,061$17,113$13,178$9,051
23 years$33,782$26,374$20,370$15,585$11,829$7,955
24 years$32,031$24,711$18,838$14,214$10,633$7,000
25 years$30,422$23,190$17,448$12,981$9,568$6,164
26 years$28,940$21,795$16,182$11,870$8,618$5,433
27 years$27,570$20,511$15,027$10,864$7,770$4,791
28 years$26,300$19,328$13,969$9,954$7,011$4,228
29 years$25,119$18,233$13,000$9,128$6,331$3,734
30 years$24,020$17,219$12,109$8,377$5,720$3,298
31 years$22,993$16,278$11,289$7,694$5,172$2,915
32 years$22,033$15,402$10,532$7,071$4,678$2,577
33 years$21,132$14,586$9,834$6,502$4,234$2,279
34 years$20,286$13,825$9,188$5,983$3,833$2,016
35 years$19,491$13,112$8,591$5,507$3,472$1,784
36 years$18,741$12,446$8,036$5,072$3,146$1,579
37 years$18,034$11,820$7,522$4,673$2,851$1,397
38 years$17,365$11,234$7,044$4,308$2,585$1,237
39 years$16,732$10,682$6,599$3,972$2,344$1,095
40 years$16,132$10,163$6,186$3,663$2,126$970
41 years$15,564$9,674$5,800$3,380$1,929$859
42 years$15,023$9,213$5,441$3,119$1,750$761
43 years$14,509$8,779$5,105$2,879$1,588$674
44 years$14,020$8,368$4,792$2,659$1,442$597
45 years$13,554$7,979$4,500$2,455$1,309$529
46 years$13,109$7,612$4,226$2,268$1,188$469
47 years$12,685$7,264$3,971$2,095$1,079$416
48 years$12,280$6,935$3,731$1,936$980$368
49 years$11,892$6,622$3,507$1,789$890$326
50 years$11,521$6,326$3,297$1,654$808$289

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 $2,486 every year, while hoping to spend $46,392 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: 49/30/21 Blend
34$11,800,000$11,800,000$11,800,000$11,800,000
35$13,006,164$12,380,764$12,197,864$13,566,475
36$14,283,432$12,938,061$12,557,132$14,513,253
37$15,689,427$13,521,110$12,926,880$15,536,307
38$17,237,229$14,131,125$13,307,411$16,646,765
39$18,941,253$14,769,377$13,699,036$17,852,876
40$20,817,380$15,437,196$14,102,073$19,163,705
41$22,883,112$16,135,978$14,516,852$20,589,214
42$25,157,734$16,867,185$14,943,711$22,140,348
43$27,662,493$17,632,348$15,382,996$23,829,140
44$30,420,807$18,433,072$15,835,065$25,668,815
45$33,458,475$19,271,039$16,300,286$27,673,916
46$36,803,931$20,148,011$16,779,037$29,860,431
47$40,488,502$21,065,834$17,271,705$32,245,943
48$44,546,713$22,026,443$17,778,691$34,849,790
49$49,016,606$23,031,867$18,300,405$37,693,241
50$53,940,100$24,084,229$18,837,269$40,799,693
51$59,363,391$25,185,757$19,389,718$44,194,886
52$65,337,381$26,338,783$19,958,198$47,907,136
53$71,918,165$27,545,754$20,543,169$51,967,604
54$79,167,554$28,809,233$21,145,101$56,410,575
55$87,153,664$30,131,904$21,764,481$61,273,781
56$95,951,553$31,516,584$22,401,807$66,598,747
57$105,643,937$32,966,221$23,057,593$72,431,177
58$116,321,961$34,483,909$23,732,365$78,821,376
59$128,086,068$36,072,887$24,426,666$85,824,718
60$141,046,940$37,736,552$25,141,052$93,502,159
61$155,326,548$39,478,463$25,876,098$101,920,807
62$171,059,300$41,302,352$26,632,392$111,154,541
63$188,393,311$43,212,129$27,410,538$121,284,701
64$207,491,798$45,211,892$28,211,161$132,400,849
65$228,534,625$47,305,939$29,034,899$144,601,597
66$251,719,999$49,498,772$29,882,410$157,995,533
67$277,266,339$51,795,112$30,754,370$172,702,232
68$305,414,338$54,199,905$31,651,475$188,853,372
69$336,429,239$56,718,339$32,574,437$206,593,965
70$370,603,332$59,355,848$33,523,992$226,083,714
71$408,258,720$62,118,133$34,500,894$247,498,503
72$449,750,354$65,011,166$35,505,918$271,032,048
73$495,469,385$68,041,208$36,539,862$296,897,708
74$545,846,859$71,214,825$37,603,544$325,330,481
75$601,357,783$74,538,895$38,697,807$356,589,210
76$662,525,610$78,020,634$39,823,516$390,959,008
77$729,927,179$81,667,601$40,981,560$428,753,930
78$804,198,162$85,487,725$42,172,854$470,319,918
79$886,039,065$89,489,314$43,398,335$516,038,052
80$976,221,841$93,681,081$44,658,970$566,328,122
81$1,075,597,173$98,072,159$45,955,750$621,652,569
82$1,185,102,512$102,672,122$47,289,695$682,520,833
83$1,305,770,920$107,491,007$48,661,851$749,494,133
84$1,438,740,825$112,539,338$50,073,295$823,190,744
85$1,585,266,771$117,828,148$51,525,132$904,291,807
86$1,746,731,257$123,369,002$53,018,499$993,547,729
87$1,924,657,789$129,174,027$54,554,563$1,091,785,245
88$2,120,725,266$135,255,937$56,134,523$1,199,915,187
89$2,336,783,825$141,628,060$57,759,612$1,318,941,055
90$2,574,872,312$148,304,372$59,431,096$1,449,968,459
91$2,837,237,526$155,299,524$61,150,275$1,594,215,519
92$3,126,355,431$162,628,877$62,918,486$1,753,024,330
93$3,444,954,532$170,308,539$64,737,103$1,927,873,599
94$3,796,041,632$178,355,396$66,607,534$2,120,392,560
95$4,182,930,222$186,787,154$68,531,230$2,332,376,318
96$4,609,271,757$195,622,377$70,509,678$2,565,802,752
97$5,079,090,132$204,880,529$72,544,408$2,822,851,143
98$5,596,819,670$214,582,019$74,636,990$3,105,922,701
99$6,167,346,984$224,748,247$76,789,038$3,417,663,184
100$6,796,057,114$235,401,648$79,002,208$3,760,987,828