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

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 $11,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$982,691$973,938$965,398$957,062$948,923$913,801
2 years$486,481$477,420$468,640$460,126$451,868$416,880
3 years$321,099$311,999$303,241$294,807$286,684$252,930
4 years$238,424$229,353$220,682$212,392$204,465$172,203
5 years$188,832$179,815$171,258$163,137$155,431$124,744
6 years$155,782$146,833$138,402$130,462$122,987$93,898
7 years$132,184$123,310$115,013$107,260$100,022$72,522
8 years$114,493$105,699$97,540$89,978$82,978$57,042
9 years$100,741$92,030$84,011$76,641$69,879$45,473
10 years$89,746$81,120$73,243$66,065$59,541$36,620
11 years$80,756$72,217$64,482$57,497$51,207$29,722
12 years$73,269$64,818$57,226$50,432$44,375$24,272
13 years$66,939$58,576$51,128$44,524$38,696$19,919
14 years$61,518$53,244$45,938$39,524$33,920$16,410
15 years$56,825$48,640$41,476$35,248$29,866$13,563
16 years$52,721$44,626$37,604$31,561$26,396$11,238
17 years$49,105$41,099$34,218$28,357$23,404$9,332
18 years$45,894$37,977$31,237$25,556$20,810$7,762
19 years$43,024$35,197$28,596$23,092$18,548$6,466
20 years$40,444$32,707$26,244$20,914$16,568$5,392
21 years$38,113$30,465$24,139$18,981$14,826$4,501
22 years$35,997$28,438$22,248$17,258$13,290$3,761
23 years$34,068$26,597$20,542$15,717$11,930$3,144
24 years$32,302$24,920$18,998$14,335$10,723$2,630
25 years$30,680$23,386$17,596$13,091$9,649$2,201
26 years$29,185$21,979$16,319$11,970$8,691$1,843
27 years$27,803$20,685$15,154$10,957$7,836$1,543
28 years$26,523$19,491$14,088$10,039$7,070$1,293
29 years$25,332$18,388$13,110$9,206$6,384$1,083
30 years$24,223$17,365$12,211$8,448$5,769$908
31 years$23,188$16,416$11,384$7,759$5,215$761
32 years$22,219$15,533$10,622$7,131$4,718$638
33 years$21,311$14,710$9,917$6,557$4,270$535
34 years$20,458$13,942$9,266$6,033$3,866$449
35 years$19,656$13,223$8,663$5,554$3,501$376
36 years$18,900$12,551$8,104$5,115$3,172$315
37 years$18,186$11,921$7,586$4,713$2,875$265
38 years$17,512$11,329$7,104$4,344$2,607$222
39 years$16,874$10,773$6,655$4,005$2,364$186
40 years$16,269$10,249$6,238$3,694$2,144$156
41 years$15,695$9,756$5,849$3,409$1,945$131
42 years$15,150$9,292$5,487$3,146$1,765$110
43 years$14,632$8,853$5,149$2,904$1,602$92
44 years$14,139$8,439$4,833$2,681$1,454$77
45 years$13,669$8,047$4,538$2,476$1,320$65
46 years$13,221$7,677$4,262$2,287$1,198$54
47 years$12,793$7,326$4,004$2,113$1,088$46
48 years$12,384$6,994$3,763$1,953$988$38
49 years$11,993$6,678$3,537$1,805$898$32
50 years$11,619$6,379$3,325$1,668$815$27

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 $5,581 every year, while hoping to spend $38,310 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: 38/42/20 Blend
34$11,900,000$11,900,000$11,900,000$11,900,000
35$13,119,557$12,488,857$12,304,407$13,539,227
36$14,416,990$13,060,049$12,675,843$14,414,044
37$15,845,478$13,657,946$13,058,438$15,354,826
38$17,418,346$14,283,816$13,452,526$16,370,771
39$19,150,281$14,938,986$13,858,449$17,468,686
40$21,057,465$15,624,851$14,276,562$18,656,034
41$23,157,727$16,342,870$14,707,228$19,940,999
42$25,470,717$17,094,573$15,150,822$21,332,562
43$28,018,086$17,881,562$15,607,730$22,840,574
44$30,823,690$18,705,518$16,078,348$24,475,850
45$33,913,821$19,568,203$16,563,087$26,250,259
46$37,317,448$20,471,462$17,062,368$28,176,833
47$41,066,493$21,417,229$17,576,623$30,269,882
48$45,196,135$22,407,534$18,106,300$32,545,123
49$49,745,138$23,444,500$18,651,858$35,019,819
50$54,756,218$24,530,356$19,213,771$37,712,940
51$60,276,446$25,667,437$19,792,525$40,645,325
52$66,357,692$26,858,190$20,388,624$43,839,878
53$73,057,116$28,105,181$21,002,582$47,321,773
54$80,437,706$29,411,099$21,634,933$51,118,681
55$88,568,873$30,778,764$22,286,224$55,261,024
56$97,527,104$32,211,129$22,957,019$59,782,250
57$107,396,687$33,711,293$23,647,897$64,719,141
58$118,270,505$35,282,502$24,359,457$70,112,147
59$130,250,912$36,928,160$25,092,315$76,005,755
60$143,450,700$38,651,835$25,847,102$82,448,903
61$157,994,163$40,457,267$26,624,472$89,495,422
62$174,018,272$42,348,377$27,425,096$97,204,536
63$191,673,964$44,329,276$28,249,666$105,641,407
64$211,127,571$46,404,272$29,098,891$114,877,732
65$232,562,385$48,577,884$29,973,506$124,992,409
66$256,180,394$50,854,846$30,874,265$136,072,266
67$282,204,185$53,240,124$31,801,943$148,212,860
68$310,879,044$55,738,922$32,757,340$161,519,367
69$342,475,275$58,356,697$33,741,279$176,107,553
70$377,290,747$61,099,170$34,754,607$192,104,850
71$415,653,713$63,972,339$35,798,196$209,651,539
72$457,925,899$66,982,491$36,872,943$228,902,054
73$504,505,927$70,136,219$37,979,772$250,026,417
74$555,833,073$73,440,435$39,119,636$273,211,821
75$612,391,415$76,902,385$40,293,512$298,664,374
76$674,714,404$80,529,666$41,502,409$326,611,019
77$743,389,898$84,330,245$42,747,365$357,301,654
78$819,065,713$88,312,473$44,029,448$391,011,457
79$902,455,739$92,485,107$45,349,757$428,043,463
80$994,346,674$96,857,327$46,709,424$468,731,389
81$1,095,605,459$101,438,760$48,109,613$513,442,757
82$1,207,187,456$106,239,499$49,551,525$562,582,329
83$1,330,145,469$111,270,127$51,036,394$616,595,896
84$1,465,639,683$116,541,740$52,565,490$675,974,449
85$1,614,948,618$122,065,973$54,140,121$741,258,777
86$1,779,481,195$127,855,024$55,761,633$813,044,533
87$1,960,790,042$133,921,684$57,431,413$891,987,818
88$2,160,586,146$140,279,367$59,150,885$978,811,330
89$2,380,755,012$146,942,135$60,921,519$1,074,311,142
90$2,623,374,458$153,924,734$62,744,824$1,179,364,171
91$2,890,734,234$161,242,628$64,622,358$1,294,936,407
92$3,185,357,639$168,912,029$66,555,719$1,422,091,981
93$3,510,025,338$176,949,939$68,546,556$1,562,003,157
94$3,867,801,622$185,374,185$70,596,565$1,715,961,341
95$4,262,063,328$194,203,461$72,707,490$1,885,389,216
96$4,696,531,725$203,457,368$74,881,129$2,071,854,108
97$5,175,307,644$213,156,462$77,119,330$2,277,082,720
98$5,702,910,191$223,322,296$79,423,995$2,502,977,363
99$6,284,319,415$233,977,473$81,797,083$2,751,633,845
100$6,925,023,320$245,145,694$84,240,610$3,025,361,182