Can I retire at age 35 with 12,100,000?

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 $12,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$999,207$990,306$981,623$973,147$964,871$929,897
2 years$494,657$485,444$476,516$467,859$459,462$424,610
3 years$326,495$317,243$308,337$299,762$291,502$257,868
4 years$242,431$233,207$224,391$215,962$207,902$175,742
5 years$192,006$182,837$174,136$165,879$158,043$127,443
6 years$158,400$149,300$140,728$132,655$125,054$96,034
7 years$134,405$125,382$116,946$109,063$101,703$74,257
8 years$116,417$107,476$99,179$91,490$84,372$58,477
9 years$102,434$93,577$85,423$77,929$71,054$46,674
10 years$91,254$82,484$74,474$67,176$60,541$37,634
11 years$82,113$73,430$65,565$58,463$52,067$30,585
12 years$74,500$65,907$58,188$51,280$45,121$25,011
13 years$68,064$59,561$51,987$45,273$39,346$20,553
14 years$62,552$54,139$46,710$40,188$34,490$16,956
15 years$57,780$49,457$42,173$35,841$30,368$14,034
16 years$53,608$45,376$38,236$32,091$26,839$11,646
17 years$49,930$41,789$34,793$28,834$23,798$9,684
18 years$46,665$38,615$31,762$25,985$21,160$8,067
19 years$43,747$35,788$29,077$23,480$18,860$6,730
20 years$41,124$33,256$26,685$21,265$16,846$5,621
21 years$38,754$30,977$24,545$19,300$15,076$4,700
22 years$36,602$28,916$22,622$17,548$13,513$3,933
23 years$34,641$27,044$20,887$15,981$12,130$3,293
24 years$32,845$25,339$19,317$14,576$10,903$2,759
25 years$31,196$23,779$17,892$13,311$9,811$2,313
26 years$29,676$22,349$16,594$12,171$8,837$1,940
27 years$28,271$21,033$15,409$11,141$7,968$1,627
28 years$26,968$19,819$14,324$10,207$7,189$1,365
29 years$25,758$18,697$13,330$9,360$6,492$1,146
30 years$24,630$17,657$12,416$8,590$5,866$962
31 years$23,578$16,692$11,576$7,890$5,303$808
32 years$22,593$15,794$10,800$7,251$4,797$678
33 years$21,669$14,957$10,084$6,668$4,341$570
34 years$20,802$14,176$9,422$6,135$3,931$478
35 years$19,986$13,446$8,809$5,647$3,560$402
36 years$19,218$12,762$8,241$5,201$3,226$338
37 years$18,492$12,121$7,713$4,792$2,924$284
38 years$17,806$11,519$7,223$4,417$2,650$238
39 years$17,158$10,954$6,767$4,073$2,403$200
40 years$16,543$10,421$6,343$3,757$2,180$168
41 years$15,959$9,920$5,948$3,466$1,978$141
42 years$15,405$9,448$5,579$3,199$1,795$119
43 years$14,878$9,002$5,235$2,953$1,629$100
44 years$14,377$8,581$4,914$2,726$1,478$84
45 years$13,899$8,182$4,614$2,518$1,342$70
46 years$13,443$7,806$4,334$2,326$1,219$59
47 years$13,008$7,449$4,071$2,149$1,107$50
48 years$12,592$7,111$3,826$1,985$1,005$42
49 years$12,194$6,791$3,596$1,835$913$35
50 years$11,814$6,487$3,381$1,696$829$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,100,000, adding $4,200 every year, while hoping to spend $52,599 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: 36/35/29 Blend
34$12,100,000$12,100,000$12,100,000$12,100,000
35$13,338,532$12,697,232$12,509,682$13,702,515
36$14,643,098$13,263,432$12,872,792$14,540,606
37$16,078,966$13,855,612$13,246,302$15,439,721
38$17,659,474$14,474,991$13,630,507$16,409,413
39$19,399,318$15,122,843$14,025,707$17,456,070
40$21,314,692$15,800,506$14,432,212$18,586,699
41$23,423,438$16,509,378$14,850,338$19,808,989
42$25,745,218$17,250,927$15,280,414$21,131,376
43$28,301,696$18,026,688$15,722,773$22,563,119
44$31,116,744$18,838,270$16,177,761$24,114,384
45$34,216,667$19,687,361$16,645,732$25,796,331
46$37,630,453$20,575,727$17,127,049$27,621,218
47$41,390,040$21,505,220$17,622,087$29,602,507
48$45,530,626$22,477,777$18,131,228$31,754,990
49$50,090,994$23,495,432$18,654,868$34,094,917
50$55,113,881$24,560,314$19,193,412$36,640,145
51$60,646,381$25,674,654$19,747,276$39,410,303
52$66,740,389$26,840,789$20,316,887$42,426,963
53$73,453,090$28,061,169$20,902,684$45,713,845
54$80,847,500$29,338,361$21,505,118$49,297,025
55$88,993,059$30,675,054$22,124,654$53,205,178
56$97,966,287$32,074,068$22,761,766$57,469,839
57$107,851,507$33,538,355$23,416,943$62,125,691
58$118,741,637$35,071,012$24,090,687$67,210,885
59$130,739,073$36,675,280$24,783,514$72,767,387
60$143,956,649$38,354,560$25,495,953$78,841,369
61$158,518,708$40,112,414$26,228,548$85,483,631
62$174,562,269$41,952,574$26,981,856$92,750,068
63$192,238,324$43,878,954$27,756,453$100,702,192
64$211,713,264$45,895,654$28,552,925$109,407,696
65$233,170,447$48,006,971$29,371,878$118,941,079
66$256,811,929$50,217,410$30,213,932$129,384,342
67$282,860,373$52,531,689$31,079,726$140,827,744
68$311,561,146$54,954,758$31,969,912$153,370,640
69$343,184,643$57,491,801$32,885,164$167,122,406
70$378,028,831$60,148,253$33,826,171$182,203,455
71$416,422,065$62,929,811$34,793,642$198,746,355
72$458,726,190$65,842,446$35,788,303$216,897,068
73$505,339,951$68,892,416$36,810,900$236,816,305
74$556,702,762$72,086,280$37,862,202$258,681,031
75$613,298,851$75,430,915$38,942,993$282,686,108
76$675,661,832$78,933,528$40,054,081$309,046,119
77$744,379,742$82,601,673$41,196,296$337,997,375
78$820,100,591$86,443,271$42,370,487$369,800,115
79$903,538,481$90,466,621$43,577,528$404,740,949
80$995,480,347$94,680,426$44,818,316$443,135,532
81$1,096,793,382$99,093,807$46,093,770$485,331,524
82$1,208,433,229$103,716,326$47,404,833$531,711,840
83$1,331,452,999$108,558,006$48,752,476$582,698,241
84$1,467,013,212$113,629,356$50,137,691$638,755,286
85$1,616,392,755$118,941,390$51,561,499$700,394,685
86$1,781,000,954$124,505,655$53,024,946$768,180,099
87$1,962,390,877$130,334,258$54,529,108$842,732,430
88$2,162,273,999$136,439,890$56,075,086$924,735,642
89$2,382,536,356$142,835,853$57,664,010$1,014,943,189
90$2,625,256,351$149,536,097$59,297,041$1,114,185,084
91$2,892,724,376$156,555,243$60,975,369$1,223,375,696
92$3,187,464,433$163,908,621$62,700,215$1,343,522,344
93$3,512,257,965$171,612,303$64,472,832$1,475,734,758
94$3,870,170,111$179,683,139$66,294,505$1,621,235,511
95$4,264,578,643$188,138,793$68,166,552$1,781,371,515
96$4,699,205,857$196,997,787$70,090,324$1,957,626,685
97$5,178,153,713$206,279,537$72,067,209$2,151,635,896
98$5,705,942,560$216,004,402$74,098,628$2,365,200,361
99$6,287,553,809$226,193,727$76,186,041$2,600,304,582
100$6,928,476,968$236,869,889$78,330,943$2,859,135,021