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

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 $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%17.1%
1 years$999,207$990,306$981,623$973,147$964,871$936,989
2 years$494,657$485,444$476,516$467,859$459,462$431,593
3 years$326,495$317,243$308,337$299,762$291,502$264,519
4 years$242,431$233,207$224,391$215,962$207,902$182,012
5 years$192,006$182,837$174,136$165,879$158,043$133,317
6 years$158,400$149,300$140,728$132,655$125,054$101,515
7 years$134,405$125,382$116,946$109,063$101,703$79,349
8 years$116,417$107,476$99,179$91,490$84,372$63,192
9 years$102,434$93,577$85,423$77,929$71,054$51,025
10 years$91,254$82,484$74,474$67,176$60,541$41,638
11 years$82,113$73,430$65,565$58,463$52,067$34,257
12 years$74,500$65,907$58,188$51,280$45,121$28,369
13 years$68,064$59,561$51,987$45,273$39,346$23,616
14 years$62,552$54,139$46,710$40,188$34,490$19,742
15 years$57,780$49,457$42,173$35,841$30,368$16,561
16 years$53,608$45,376$38,236$32,091$26,839$13,933
17 years$49,930$41,789$34,793$28,834$23,798$11,749
18 years$46,665$38,615$31,762$25,985$21,160$9,927
19 years$43,747$35,788$29,077$23,480$18,860$8,401
20 years$41,124$33,256$26,685$21,265$16,846$7,120
21 years$38,754$30,977$24,545$19,300$15,076$6,041
22 years$36,602$28,916$22,622$17,548$13,513$5,131
23 years$34,641$27,044$20,887$15,981$12,130$4,361
24 years$32,845$25,339$19,317$14,576$10,903$3,709
25 years$31,196$23,779$17,892$13,311$9,811$3,157
26 years$29,676$22,349$16,594$12,171$8,837$2,688
27 years$28,271$21,033$15,409$11,141$7,968$2,290
28 years$26,968$19,819$14,324$10,207$7,189$1,952
29 years$25,758$18,697$13,330$9,360$6,492$1,664
30 years$24,630$17,657$12,416$8,590$5,866$1,419
31 years$23,578$16,692$11,576$7,890$5,303$1,210
32 years$22,593$15,794$10,800$7,251$4,797$1,032
33 years$21,669$14,957$10,084$6,668$4,341$881
34 years$20,802$14,176$9,422$6,135$3,931$751
35 years$19,986$13,446$8,809$5,647$3,560$641
36 years$19,218$12,762$8,241$5,201$3,226$547
37 years$18,492$12,121$7,713$4,792$2,924$467
38 years$17,806$11,519$7,223$4,417$2,650$399
39 years$17,158$10,954$6,767$4,073$2,403$340
40 years$16,543$10,421$6,343$3,757$2,180$291
41 years$15,959$9,920$5,948$3,466$1,978$248
42 years$15,405$9,448$5,579$3,199$1,795$212
43 years$14,878$9,002$5,235$2,953$1,629$181
44 years$14,377$8,581$4,914$2,726$1,478$154
45 years$13,899$8,182$4,614$2,518$1,342$132
46 years$13,443$7,806$4,334$2,326$1,219$113
47 years$13,008$7,449$4,071$2,149$1,107$96
48 years$12,592$7,111$3,826$1,985$1,005$82
49 years$12,194$6,791$3,596$1,835$913$70
50 years$11,814$6,487$3,381$1,696$829$60

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 $2,790 every year, while hoping to spend $29,315 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: 62/32/6 Blend
34$12,100,000$12,100,000$12,100,000$12,100,000
35$13,337,078$12,695,778$12,508,228$14,149,546
36$14,666,269$13,286,680$12,896,063$15,282,863
37$16,130,055$13,905,554$13,295,907$16,515,598
38$17,742,134$14,553,739$13,708,133$17,860,262
39$19,517,599$15,232,640$14,133,123$19,327,662
40$21,473,083$15,943,729$14,571,272$20,929,683
41$23,626,915$16,688,549$15,022,987$22,679,389
42$25,999,290$17,468,717$15,488,687$24,591,148
43$28,612,464$18,285,931$15,968,804$26,680,763
44$31,490,961$19,141,967$16,463,785$28,965,614
45$34,661,805$20,038,690$16,974,088$31,464,819
46$38,154,777$20,978,053$17,500,187$34,199,411
47$42,002,692$21,962,105$18,042,571$37,192,529
48$46,241,712$22,992,994$18,601,743$40,469,632
49$50,911,687$24,072,971$19,178,222$44,058,736
50$56,056,529$25,204,397$19,772,542$47,990,667
51$61,724,628$26,389,745$20,385,256$52,299,354
52$67,969,309$27,631,611$21,016,930$57,022,136
53$74,849,333$28,932,715$21,668,152$62,200,111
54$82,429,455$30,295,909$22,339,526$67,878,517
55$90,781,033$31,724,181$23,031,673$74,107,151
56$99,982,700$33,220,668$23,745,236$80,940,830
57$110,121,111$34,788,656$24,480,876$88,439,905
58$121,291,755$36,431,591$25,239,276$96,670,817
59$133,599,861$38,153,085$26,021,139$105,706,719
60$147,161,388$39,956,928$26,827,189$115,628,156
61$162,104,123$41,847,091$27,658,173$126,523,817
62$178,568,884$43,827,738$28,514,862$138,491,360
63$196,710,849$45,903,237$29,398,049$151,638,324
64$216,701,025$48,078,165$30,308,553$166,083,136
65$238,727,858$50,357,323$31,247,218$181,956,213
66$262,999,012$52,745,745$32,214,913$199,401,184
67$289,743,333$55,248,709$33,212,534$218,576,233
68$319,213,005$57,871,747$34,241,006$239,655,577
69$351,685,933$60,620,664$35,301,281$262,831,099
70$387,468,366$63,501,544$36,394,341$288,314,143
71$426,897,786$66,520,766$37,521,198$316,337,498
72$470,346,098$69,685,022$38,682,896$347,157,572
73$518,223,137$73,001,325$39,880,510$381,056,804
74$570,980,538$76,477,031$41,115,149$418,346,306
75$629,116,002$80,119,855$42,387,955$459,368,789
76$693,177,990$83,937,883$43,700,108$504,501,770
77$763,770,904$87,939,598$45,052,820$554,161,125
78$841,560,790$92,133,893$46,447,343$608,804,986
79$927,281,631$96,530,094$47,884,969$668,938,049
80$1,021,742,268$101,137,980$49,367,027$735,116,315
81$1,125,834,046$105,967,806$50,894,889$807,952,310
82$1,240,539,217$111,030,328$52,469,966$888,120,851
83$1,366,940,224$116,336,821$54,093,717$976,365,378
84$1,506,229,913$121,899,111$55,767,643$1,073,504,957
85$1,659,722,797$127,729,600$57,493,291$1,180,441,973
86$1,828,867,464$133,841,292$59,272,258$1,298,170,625
87$2,015,260,254$140,247,825$61,106,188$1,427,786,277
88$2,220,660,331$146,963,499$62,996,776$1,570,495,765
89$2,447,006,287$154,003,313$64,945,770$1,727,628,757
90$2,696,434,446$161,382,993$66,954,972$1,900,650,265
91$2,971,299,034$169,119,034$69,026,237$2,091,174,444
92$3,274,194,400$177,228,731$71,161,481$2,300,979,781
93$3,607,979,513$185,730,224$73,362,675$2,532,025,851
94$3,975,804,953$194,642,534$75,631,854$2,786,471,766
95$4,381,142,651$203,985,610$77,971,114$3,066,696,517
96$4,827,818,670$213,780,374$80,382,615$3,375,321,379
97$5,320,049,326$224,048,764$82,868,584$3,715,234,612
98$5,862,480,994$234,813,790$85,431,318$4,089,618,671
99$6,460,233,970$246,099,581$88,073,182$4,501,980,194
100$7,118,950,818$257,931,443$90,796,616$4,956,183,054