Can I retire at age 35 with 11,900,000?

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 $11,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$982,691$973,938$965,398$957,062$948,923$930,525
2 years$486,481$477,420$468,640$460,126$451,868$433,407
3 years$321,099$311,999$303,241$294,807$286,684$268,735
4 years$238,424$229,353$220,682$212,392$204,465$187,168
5 years$188,832$179,815$171,258$163,137$155,431$138,834
6 years$155,782$146,833$138,402$130,462$122,987$107,108
7 years$132,184$123,310$115,013$107,260$100,022$84,865
8 years$114,493$105,699$97,540$89,978$82,978$68,539
9 years$100,741$92,030$84,011$76,641$69,879$56,149
10 years$89,746$81,120$73,243$66,065$59,541$46,506
11 years$80,756$72,217$64,482$57,497$51,207$38,853
12 years$73,269$64,818$57,226$50,432$44,375$32,684
13 years$66,939$58,576$51,128$44,524$38,696$27,648
14 years$61,518$53,244$45,938$39,524$33,920$23,496
15 years$56,825$48,640$41,476$35,248$29,866$20,044
16 years$52,721$44,626$37,604$31,561$26,396$17,153
17 years$49,105$41,099$34,218$28,357$23,404$14,718
18 years$45,894$37,977$31,237$25,556$20,810$12,657
19 years$43,024$35,197$28,596$23,092$18,548$10,906
20 years$40,444$32,707$26,244$20,914$16,568$9,412
21 years$38,113$30,465$24,139$18,981$14,826$8,134
22 years$35,997$28,438$22,248$17,258$13,290$7,038
23 years$34,068$26,597$20,542$15,717$11,930$6,096
24 years$32,302$24,920$18,998$14,335$10,723$5,284
25 years$30,680$23,386$17,596$13,091$9,649$4,584
26 years$29,185$21,979$16,319$11,970$8,691$3,980
27 years$27,803$20,685$15,154$10,957$7,836$3,457
28 years$26,523$19,491$14,088$10,039$7,070$3,004
29 years$25,332$18,388$13,110$9,206$6,384$2,612
30 years$24,223$17,365$12,211$8,448$5,769$2,271
31 years$23,188$16,416$11,384$7,759$5,215$1,976
32 years$22,219$15,533$10,622$7,131$4,718$1,720
33 years$21,311$14,710$9,917$6,557$4,270$1,497
34 years$20,458$13,942$9,266$6,033$3,866$1,303
35 years$19,656$13,223$8,663$5,554$3,501$1,135
36 years$18,900$12,551$8,104$5,115$3,172$988
37 years$18,186$11,921$7,586$4,713$2,875$861
38 years$17,512$11,329$7,104$4,344$2,607$750
39 years$16,874$10,773$6,655$4,005$2,364$653
40 years$16,269$10,249$6,238$3,694$2,144$569
41 years$15,695$9,756$5,849$3,409$1,945$496
42 years$15,150$9,292$5,487$3,146$1,765$432
43 years$14,632$8,853$5,149$2,904$1,602$377
44 years$14,139$8,439$4,833$2,681$1,454$328
45 years$13,669$8,047$4,538$2,476$1,320$286
46 years$13,221$7,677$4,262$2,287$1,198$249
47 years$12,793$7,326$4,004$2,113$1,088$217
48 years$12,384$6,994$3,763$1,953$988$189
49 years$11,993$6,678$3,537$1,805$898$165
50 years$11,619$6,379$3,325$1,668$815$144

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,900,000, adding $6,224 every year, while hoping to spend $58,585 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: 52/29/19 Blend
34$11,900,000$11,900,000$11,900,000$11,900,000
35$13,120,220$12,489,520$12,305,070$13,733,660
36$14,396,149$13,039,173$12,654,956$14,705,795
37$15,800,258$13,613,795$13,014,599$15,755,977
38$17,345,562$14,214,548$13,384,266$16,896,992
39$19,046,397$14,842,648$13,764,226$18,137,478
40$20,918,562$15,499,371$14,154,761$19,486,931
41$22,979,466$16,186,050$14,556,156$20,955,789
42$25,248,288$16,904,084$14,968,704$22,555,527
43$27,746,166$17,654,936$15,392,708$24,298,762
44$30,496,387$18,440,141$15,828,476$26,199,365
45$33,524,615$19,261,304$16,276,326$28,272,594
46$36,859,126$20,120,108$16,736,583$30,535,228
47$40,531,080$21,018,316$17,209,582$33,005,726
48$44,574,811$21,957,774$17,695,664$35,704,391
49$49,028,154$22,940,418$18,195,181$38,653,562
50$53,932,799$23,968,272$18,708,493$41,877,816
51$59,334,687$25,043,460$19,235,970$45,404,198
52$65,284,441$26,168,205$19,777,991$49,262,468
53$71,837,845$27,344,838$20,334,944$53,485,378
54$79,056,369$28,575,799$20,907,229$58,108,973
55$87,007,752$29,863,646$21,495,254$63,172,929
56$95,766,635$31,211,057$22,099,438$68,720,917
57$105,415,274$32,620,841$22,720,211$74,801,010
58$116,044,308$34,095,938$23,358,014$81,466,130
59$127,753,618$35,639,430$24,013,298$88,774,540
60$140,653,272$37,254,546$24,686,528$96,790,386
61$154,864,556$38,944,670$25,378,177$105,584,293
62$170,521,128$40,713,346$26,088,734$115,234,026
63$187,770,273$42,564,290$26,818,696$125,825,214
64$206,774,294$44,501,393$27,568,575$137,452,149
65$227,712,046$46,528,735$28,338,896$150,218,664
66$250,780,622$48,650,591$29,130,197$164,239,110
67$276,197,214$50,871,438$29,943,027$179,639,416
68$304,201,163$53,195,972$30,777,952$196,558,273
69$335,056,217$55,629,110$31,635,549$215,148,430
70$369,053,023$58,176,008$32,516,411$235,578,125
71$406,511,867$60,842,068$33,421,147$258,032,656
72$447,785,699$63,632,952$34,350,377$282,716,124
73$493,263,465$66,554,591$35,304,740$309,853,340
74$543,373,778$69,613,205$36,284,887$339,691,936
75$598,588,962$72,815,311$37,291,489$372,504,689
76$659,429,512$76,167,737$38,325,231$408,592,075
77$726,469,010$79,677,644$39,386,814$448,285,095
78$800,339,534$83,352,534$40,476,957$491,948,380
79$881,737,628$87,200,269$41,596,397$539,983,614
80$971,430,877$91,229,093$42,745,887$592,833,309
81$1,070,265,151$95,447,644$43,926,199$650,984,965
82$1,179,172,594$99,864,975$45,138,123$714,975,645
83$1,299,180,418$104,490,579$46,382,470$785,397,032
84$1,431,420,605$109,334,401$47,660,067$862,900,984
85$1,577,140,590$114,406,871$48,971,763$948,205,672
86$1,737,715,039$119,718,916$50,318,426$1,042,102,330
87$1,914,658,825$125,281,994$51,700,945$1,145,462,701
88$2,109,641,327$131,108,114$53,120,228$1,259,247,238
89$2,324,502,194$137,209,864$54,577,208$1,384,514,148
90$2,561,268,710$143,600,439$56,072,837$1,522,429,346
91$2,822,174,930$150,293,672$57,608,088$1,674,277,436
92$3,109,682,774$157,304,063$59,183,960$1,841,473,804
93$3,426,505,267$164,646,812$60,801,473$2,025,577,947
94$3,775,632,152$172,337,854$62,461,670$2,228,308,160
95$4,160,358,115$180,393,892$64,165,620$2,451,557,723
96$4,584,313,888$188,832,438$65,914,413$2,697,412,732
97$5,051,500,526$197,671,849$67,709,167$2,968,171,756
98$5,566,327,179$206,931,370$69,551,024$3,266,367,495
99$6,133,652,720$216,631,175$71,441,152$3,594,790,644
100$6,758,831,611$226,792,416$73,380,744$3,956,516,195