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%15.4%
1 years$982,691$973,938$965,398$957,062$948,923$927,868
2 years$486,481$477,420$468,640$460,126$451,868$430,765
3 years$321,099$311,999$303,241$294,807$286,684$266,191
4 years$238,424$229,353$220,682$212,392$204,465$184,742
5 years$188,832$179,815$171,258$163,137$155,431$136,532
6 years$155,782$146,833$138,402$130,462$122,987$104,932
7 years$132,184$123,310$115,013$107,260$100,022$82,813
8 years$114,493$105,699$97,540$89,978$82,978$66,610
9 years$100,741$92,030$84,011$76,641$69,879$54,341
10 years$89,746$81,120$73,243$66,065$59,541$44,815
11 years$80,756$72,217$64,482$57,497$51,207$37,274
12 years$73,269$64,818$57,226$50,432$44,375$31,213
13 years$66,939$58,576$51,128$44,524$38,696$26,282
14 years$61,518$53,244$45,938$39,524$33,920$22,229
15 years$56,825$48,640$41,476$35,248$29,866$18,871
16 years$52,721$44,626$37,604$31,561$26,396$16,069
17 years$49,105$41,099$34,218$28,357$23,404$13,719
18 years$45,894$37,977$31,237$25,556$20,810$11,738
19 years$43,024$35,197$28,596$23,092$18,548$10,061
20 years$40,444$32,707$26,244$20,914$16,568$8,637
21 years$38,113$30,465$24,139$18,981$14,826$7,425
22 years$35,997$28,438$22,248$17,258$13,290$6,390
23 years$34,068$26,597$20,542$15,717$11,930$5,504
24 years$32,302$24,920$18,998$14,335$10,723$4,745
25 years$30,680$23,386$17,596$13,091$9,649$4,094
26 years$29,185$21,979$16,319$11,970$8,691$3,534
27 years$27,803$20,685$15,154$10,957$7,836$3,052
28 years$26,523$19,491$14,088$10,039$7,070$2,637
29 years$25,332$18,388$13,110$9,206$6,384$2,280
30 years$24,223$17,365$12,211$8,448$5,769$1,971
31 years$23,188$16,416$11,384$7,759$5,215$1,705
32 years$22,219$15,533$10,622$7,131$4,718$1,475
33 years$21,311$14,710$9,917$6,557$4,270$1,277
34 years$20,458$13,942$9,266$6,033$3,866$1,105
35 years$19,656$13,223$8,663$5,554$3,501$957
36 years$18,900$12,551$8,104$5,115$3,172$828
37 years$18,186$11,921$7,586$4,713$2,875$717
38 years$17,512$11,329$7,104$4,344$2,607$621
39 years$16,874$10,773$6,655$4,005$2,364$538
40 years$16,269$10,249$6,238$3,694$2,144$466
41 years$15,695$9,756$5,849$3,409$1,945$403
42 years$15,150$9,292$5,487$3,146$1,765$349
43 years$14,632$8,853$5,149$2,904$1,602$303
44 years$14,139$8,439$4,833$2,681$1,454$262
45 years$13,669$8,047$4,538$2,476$1,320$227
46 years$13,221$7,677$4,262$2,287$1,198$197
47 years$12,793$7,326$4,004$2,113$1,088$171
48 years$12,384$6,994$3,763$1,953$988$148
49 years$11,993$6,678$3,537$1,805$898$128
50 years$11,619$6,379$3,325$1,668$815$111

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 $2,267 every year, while hoping to spend $22,455 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: 70/12/18 Blend
34$11,900,000$11,900,000$11,900,000$11,900,000
35$13,116,138$12,485,438$12,300,988$13,977,614
36$14,430,093$13,073,333$12,689,180$15,139,603
37$15,877,317$13,689,282$13,089,623$16,408,085
38$17,471,383$14,334,636$13,502,704$17,795,895
39$19,227,242$15,010,811$13,928,823$19,314,819
40$21,161,374$15,719,293$14,368,391$20,977,833
41$23,291,934$16,461,639$14,821,833$22,799,219
42$25,638,933$17,239,481$15,289,586$24,794,698
43$28,224,419$18,054,531$15,772,102$26,981,578
44$31,072,690$18,908,583$16,269,847$29,378,916
45$34,210,520$19,803,519$16,783,302$32,007,691
46$37,667,413$20,741,312$17,312,964$34,891,004
47$41,475,884$21,724,030$17,859,342$38,054,291
48$45,671,760$22,753,843$18,422,966$41,525,562
49$50,294,523$23,833,026$19,004,379$45,335,660
50$55,387,682$24,963,961$19,604,143$49,518,553
51$60,999,181$26,149,151$20,222,838$54,111,647
52$67,181,855$27,391,217$20,861,060$59,156,141
53$73,993,925$28,692,907$21,519,427$64,697,408
54$81,499,551$30,057,106$22,198,573$70,785,422
55$89,769,437$31,486,835$22,899,156$77,475,224
56$98,881,493$32,985,264$23,621,852$84,827,443
57$108,921,580$34,555,717$24,367,359$92,908,858
58$119,984,313$36,201,678$25,136,397$101,793,028
59$132,173,955$37,926,802$25,929,708$111,560,980
60$145,605,404$39,734,922$26,748,060$122,301,972
61$160,405,278$41,630,055$27,592,242$134,114,329
62$176,713,104$43,616,416$28,463,070$147,106,366
63$194,682,643$45,698,423$29,361,385$161,397,405
64$214,483,336$47,880,709$30,288,055$177,118,899
65$236,301,906$50,168,134$31,243,975$194,415,665
66$260,344,121$52,565,792$32,230,068$213,447,243
67$286,836,733$55,079,028$33,247,287$234,389,403
68$316,029,623$57,713,444$34,296,615$257,435,789
69$348,198,158$60,474,916$35,379,065$282,799,748
70$383,645,789$63,369,605$36,495,682$310,716,333
71$422,706,918$66,403,975$37,647,546$341,444,515
72$465,750,054$69,584,799$38,835,769$375,269,623
73$513,181,291$72,919,186$40,061,499$412,506,026
74$565,448,143$76,414,587$41,325,919$453,500,095
75$623,043,768$80,078,816$42,630,253$498,633,462
76$686,511,625$83,920,071$43,975,758$548,326,618
77$756,450,601$87,946,944$45,363,736$603,042,870
78$833,520,668$92,168,450$46,795,527$663,292,702
79$918,449,114$96,594,042$48,272,515$729,638,593
80$1,012,037,405$101,233,631$49,796,126$802,700,308
81$1,115,168,756$106,097,615$51,367,831$883,160,740
82$1,228,816,466$111,196,895$52,989,151$971,772,348
83$1,354,053,108$116,542,906$54,661,650$1,069,364,246
84$1,492,060,654$122,147,637$56,386,945$1,176,850,017
85$1,644,141,636$128,023,666$58,166,702$1,295,236,326
86$1,811,731,437$134,184,181$60,002,641$1,425,632,411
87$1,996,411,850$140,643,012$61,896,536$1,569,260,536
88$2,199,926,005$147,414,666$63,850,216$1,727,467,519
89$2,424,194,829$154,514,355$65,865,570$1,901,737,429
90$2,671,335,178$161,958,035$67,944,543$2,093,705,581
91$2,943,679,825$169,762,438$70,089,144$2,305,173,955
92$3,243,799,484$177,945,114$72,301,447$2,538,128,195
93$3,574,527,073$186,524,467$74,583,587$2,794,756,329
94$3,938,984,468$195,519,799$76,937,771$3,077,469,411
95$4,340,611,969$204,951,355$79,366,272$3,388,924,263
96$4,783,200,785$214,840,366$81,871,437$3,732,048,531
97$5,270,928,821$225,209,100$84,455,686$4,110,068,306
98$5,808,400,127$236,080,912$87,121,517$4,526,538,554
99$6,400,688,357$247,480,294$89,871,505$4,985,376,659
100$7,053,384,676$259,432,935$92,708,308$5,490,899,371