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%14%
1 years$982,691$973,938$965,398$957,062$948,923$933,202
2 years$486,481$477,420$468,640$460,126$451,868$436,076
3 years$321,099$311,999$303,241$294,807$286,684$271,311
4 years$238,424$229,353$220,682$212,392$204,465$189,631
5 years$188,832$179,815$171,258$163,137$155,431$141,178
6 years$155,782$146,833$138,402$130,462$122,987$109,332
7 years$132,184$123,310$115,013$107,260$100,022$86,967
8 years$114,493$105,699$97,540$89,978$82,978$70,522
9 years$100,741$92,030$84,011$76,641$69,879$58,016
10 years$89,746$81,120$73,243$66,065$59,541$48,259
11 years$80,756$72,217$64,482$57,497$51,207$40,496
12 years$73,269$64,818$57,226$50,432$44,375$34,220
13 years$66,939$58,576$51,128$44,524$38,696$29,082
14 years$61,518$53,244$45,938$39,524$33,920$24,832
15 years$56,825$48,640$41,476$35,248$29,866$21,285
16 years$52,721$44,626$37,604$31,561$26,396$18,305
17 years$49,105$41,099$34,218$28,357$23,404$15,786
18 years$45,894$37,977$31,237$25,556$20,810$13,644
19 years$43,024$35,197$28,596$23,092$18,548$11,817
20 years$40,444$32,707$26,244$20,914$16,568$10,252
21 years$38,113$30,465$24,139$18,981$14,826$8,907
22 years$35,997$28,438$22,248$17,258$13,290$7,749
23 years$34,068$26,597$20,542$15,717$11,930$6,748
24 years$32,302$24,920$18,998$14,335$10,723$5,882
25 years$30,680$23,386$17,596$13,091$9,649$5,131
26 years$29,185$21,979$16,319$11,970$8,691$4,479
27 years$27,803$20,685$15,154$10,957$7,836$3,913
28 years$26,523$19,491$14,088$10,039$7,070$3,420
29 years$25,332$18,388$13,110$9,206$6,384$2,990
30 years$24,223$17,365$12,211$8,448$5,769$2,616
31 years$23,188$16,416$11,384$7,759$5,215$2,289
32 years$22,219$15,533$10,622$7,131$4,718$2,003
33 years$21,311$14,710$9,917$6,557$4,270$1,754
34 years$20,458$13,942$9,266$6,033$3,866$1,536
35 years$19,656$13,223$8,663$5,554$3,501$1,346
36 years$18,900$12,551$8,104$5,115$3,172$1,179
37 years$18,186$11,921$7,586$4,713$2,875$1,033
38 years$17,512$11,329$7,104$4,344$2,607$905
39 years$16,874$10,773$6,655$4,005$2,364$793
40 years$16,269$10,249$6,238$3,694$2,144$695
41 years$15,695$9,756$5,849$3,409$1,945$610
42 years$15,150$9,292$5,487$3,146$1,765$534
43 years$14,632$8,853$5,149$2,904$1,602$469
44 years$14,139$8,439$4,833$2,681$1,454$411
45 years$13,669$8,047$4,538$2,476$1,320$360
46 years$13,221$7,677$4,262$2,287$1,198$316
47 years$12,793$7,326$4,004$2,113$1,088$277
48 years$12,384$6,994$3,763$1,953$988$243
49 years$11,993$6,678$3,537$1,805$898$213
50 years$11,619$6,379$3,325$1,668$815$187

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 $4,451 every year, while hoping to spend $53,330 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: 69/23/8 Blend
34$11,900,000$11,900,000$11,900,000$11,900,000
35$13,118,391$12,487,691$12,303,241$14,004,712
36$14,399,724$13,042,845$12,658,657$15,147,513
37$15,809,966$13,623,415$13,024,192$16,390,279
38$17,362,209$14,230,588$13,400,129$17,748,304
39$19,070,879$14,865,611$13,786,757$19,232,882
40$20,951,871$15,529,789$14,184,376$20,856,437
41$23,022,701$16,224,488$14,593,292$22,632,645
42$25,302,669$16,951,140$15,013,820$24,576,551
43$27,813,040$17,711,245$15,446,282$26,704,715
44$30,577,248$18,506,374$15,891,011$29,035,362
45$33,621,115$19,338,174$16,348,347$31,588,552
46$36,973,094$20,208,370$16,818,641$34,386,365
47$40,664,537$21,118,767$17,302,253$37,453,106
48$44,729,993$22,071,260$17,799,552$40,815,534
49$49,207,532$23,067,832$18,310,917$44,503,107
50$54,139,105$24,110,560$18,836,738$48,548,256
51$59,570,940$25,201,624$19,377,414$52,986,691
52$65,553,975$26,343,303$19,933,357$57,857,730
53$72,144,345$27,537,988$20,504,988$63,204,667
54$79,403,903$28,788,185$21,092,741$69,075,176
55$87,400,813$30,096,518$21,697,060$75,521,756
56$96,210,186$31,465,737$22,318,401$82,602,223
57$105,914,791$32,898,725$22,957,233$90,380,246
58$116,605,838$34,398,500$23,614,039$98,925,949
59$128,383,835$35,968,228$24,289,310$108,316,560
60$141,359,540$37,611,225$24,983,556$118,637,141
61$155,655,004$39,330,967$25,697,297$129,981,377
62$171,404,725$41,131,095$26,431,067$142,452,462
63$188,756,914$43,015,425$27,185,415$156,164,059
64$207,874,897$44,987,959$27,960,904$171,241,370
65$228,938,655$47,052,887$28,758,112$187,822,307
66$252,146,522$49,214,603$29,577,633$206,058,791
67$277,717,059$51,477,711$30,420,076$226,118,172
68$305,891,117$53,847,036$31,286,066$248,184,803
69$336,934,106$56,327,636$32,176,245$272,461,773
70$371,138,507$58,924,812$33,091,271$299,172,809
71$408,826,625$61,644,118$34,031,819$328,564,385
72$450,353,639$64,491,379$34,998,583$360,908,033
73$496,110,950$67,472,696$35,992,275$396,502,898
74$546,529,875$70,594,466$37,013,625$435,678,550
75$602,085,723$73,863,395$38,063,382$478,798,083
76$663,302,276$77,286,510$39,142,314$526,261,532
77$730,756,737$80,871,178$40,251,210$578,509,633
78$805,085,178$84,625,120$41,390,880$636,027,972
79$886,988,545$88,556,430$42,562,153$699,351,556
80$977,239,272$92,673,591$43,765,881$769,069,848
81$1,076,688,578$96,985,497$45,002,938$845,832,314
82$1,186,274,496$101,501,469$46,274,220$930,354,542
83$1,307,030,734$106,231,280$47,580,645$1,023,424,974
84$1,440,096,429$111,185,174$48,923,157$1,125,912,340
85$1,586,726,905$116,373,887$50,302,724$1,238,773,833
86$1,748,305,520$121,808,678$51,720,335$1,363,064,129
87$1,926,356,726$127,501,347$53,177,010$1,499,945,324
88$2,122,560,463$133,464,264$54,673,790$1,650,697,881
89$2,338,768,015$139,710,397$56,211,747$1,816,732,698
90$2,577,019,487$146,253,342$57,791,976$1,999,604,403
91$2,839,563,070$153,107,350$59,415,602$2,201,026,005
92$3,128,876,258$160,287,365$61,083,779$2,422,885,043
93$3,447,689,240$167,809,049$62,797,689$2,667,261,377
94$3,799,010,675$175,688,826$64,558,545$2,936,446,795
95$4,186,156,097$183,943,911$66,367,589$3,232,966,617
96$4,612,779,211$192,592,355$68,226,095$3,559,603,512
97$5,082,906,392$201,653,082$70,135,370$3,919,423,727
98$5,600,974,691$211,145,930$72,096,753$4,315,806,006
99$6,171,873,730$221,091,701$74,111,615$4,752,473,454
100$6,800,991,859$231,512,203$76,181,362$5,233,528,642