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%11.5%
1 years$999,207$990,306$981,623$973,147$964,871$958,790
2 years$494,657$485,444$476,516$467,859$459,462$453,329
3 years$326,495$317,243$308,337$299,762$291,502$285,505
4 years$242,431$233,207$224,391$215,962$207,902$202,088
5 years$192,006$182,837$174,136$165,879$158,043$152,430
6 years$158,400$149,300$140,728$132,655$125,054$119,649
7 years$134,405$125,382$116,946$109,063$101,703$96,507
8 years$116,417$107,476$99,179$91,490$84,372$79,387
9 years$102,434$93,577$85,423$77,929$71,054$66,277
10 years$91,254$82,484$74,474$67,176$60,541$55,971
11 years$82,113$73,430$65,565$58,463$52,067$47,701
12 years$74,500$65,907$58,188$51,280$45,121$40,954
13 years$68,064$59,561$51,987$45,273$39,346$35,375
14 years$62,552$54,139$46,710$40,188$34,490$30,710
15 years$57,780$49,457$42,173$35,841$30,368$26,774
16 years$53,608$45,376$38,236$32,091$26,839$23,426
17 years$49,930$41,789$34,793$28,834$23,798$20,559
18 years$46,665$38,615$31,762$25,985$21,160$18,091
19 years$43,747$35,788$29,077$23,480$18,860$15,955
20 years$41,124$33,256$26,685$21,265$16,846$14,099
21 years$38,754$30,977$24,545$19,300$15,076$12,480
22 years$36,602$28,916$22,622$17,548$13,513$11,064
23 years$34,641$27,044$20,887$15,981$12,130$9,821
24 years$32,845$25,339$19,317$14,576$10,903$8,728
25 years$31,196$23,779$17,892$13,311$9,811$7,764
26 years$29,676$22,349$16,594$12,171$8,837$6,913
27 years$28,271$21,033$15,409$11,141$7,968$6,160
28 years$26,968$19,819$14,324$10,207$7,189$5,493
29 years$25,758$18,697$13,330$9,360$6,492$4,902
30 years$24,630$17,657$12,416$8,590$5,866$4,376
31 years$23,578$16,692$11,576$7,890$5,303$3,909
32 years$22,593$15,794$10,800$7,251$4,797$3,493
33 years$21,669$14,957$10,084$6,668$4,341$3,122
34 years$20,802$14,176$9,422$6,135$3,931$2,792
35 years$19,986$13,446$8,809$5,647$3,560$2,498
36 years$19,218$12,762$8,241$5,201$3,226$2,235
37 years$18,492$12,121$7,713$4,792$2,924$2,000
38 years$17,806$11,519$7,223$4,417$2,650$1,790
39 years$17,158$10,954$6,767$4,073$2,403$1,603
40 years$16,543$10,421$6,343$3,757$2,180$1,436
41 years$15,959$9,920$5,948$3,466$1,978$1,286
42 years$15,405$9,448$5,579$3,199$1,795$1,152
43 years$14,878$9,002$5,235$2,953$1,629$1,032
44 years$14,377$8,581$4,914$2,726$1,478$925
45 years$13,899$8,182$4,614$2,518$1,342$829
46 years$13,443$7,806$4,334$2,326$1,219$742
47 years$13,008$7,449$4,071$2,149$1,107$665
48 years$12,592$7,111$3,826$1,985$1,005$596
49 years$12,194$6,791$3,596$1,835$913$535
50 years$11,814$6,487$3,381$1,696$829$479

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 $2,462 every year, while hoping to spend $38,001 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: 46/41/13 Blend
34$12,100,000$12,100,000$12,100,000$12,100,000
35$13,336,740$12,695,440$12,507,890$13,901,158
36$14,656,654$13,277,083$12,886,471$14,874,339
37$16,109,927$13,885,954$13,276,461$15,925,389
38$17,710,119$14,523,346$13,678,203$17,064,764
39$19,472,176$15,190,614$14,092,047$18,300,670
40$21,412,565$15,889,181$14,518,358$19,642,116
41$23,549,431$16,620,536$14,957,508$21,098,989
42$25,902,771$17,386,240$15,409,882$22,682,151
43$28,494,617$18,187,930$15,875,877$24,403,527
44$31,349,249$19,027,319$16,355,900$26,276,216
45$34,493,422$19,906,207$16,850,371$28,314,612
46$37,956,616$20,826,476$17,359,724$30,534,527
47$41,771,319$21,790,102$17,884,403$32,953,340
48$45,973,331$22,799,154$18,424,868$35,590,149
49$50,602,100$23,855,802$18,981,590$38,465,948
50$55,701,097$24,962,319$19,555,056$41,603,818
51$61,318,226$26,121,090$20,145,767$45,029,134
52$67,506,273$27,334,612$20,754,239$48,769,799
53$74,323,410$28,605,505$21,381,003$52,856,498
54$81,833,737$29,936,513$22,026,606$57,322,980
55$90,107,891$31,330,516$22,691,610$62,206,367
56$99,223,713$32,790,528$23,376,597$67,547,491
57$109,266,981$34,319,713$24,082,162$73,391,277
58$120,332,220$35,921,385$24,808,920$79,787,149
59$132,523,592$37,599,019$25,557,505$86,789,489
60$145,955,886$39,356,258$26,328,569$94,458,140
61$160,755,592$41,196,921$27,122,782$102,858,956
62$177,062,103$43,125,011$27,940,836$112,064,411
63$195,029,026$45,144,725$28,783,442$122,154,274
64$214,825,632$47,260,462$29,651,333$133,216,342
65$236,638,457$49,476,834$30,545,263$145,347,260
66$260,673,059$51,798,679$31,466,009$158,653,413
67$287,155,961$54,231,064$32,414,370$173,251,918
68$316,336,788$56,779,306$33,391,171$189,271,711
69$348,490,624$59,448,975$34,397,258$206,854,750
70$383,920,606$62,245,913$35,433,505$226,157,329
71$422,960,790$65,176,246$36,500,810$247,351,545
72$465,979,303$68,246,393$37,600,099$270,626,893
73$513,381,813$71,463,088$38,732,324$296,192,040
74$565,615,368$74,833,389$39,898,466$324,276,770
75$623,172,606$78,364,696$41,099,535$355,134,129
76$686,596,413$82,064,767$42,336,571$389,042,796
77$756,485,045$85,941,739$43,610,644$426,309,680
78$833,497,775$90,004,139$44,922,856$467,272,798
79$918,361,118$94,260,912$46,274,341$512,304,432
80$1,011,875,689$98,721,433$47,666,269$561,814,621
81$1,114,923,761$103,395,535$49,099,840$616,254,998
82$1,228,477,594$108,293,526$50,576,294$676,123,019
83$1,353,608,613$113,426,213$52,096,905$741,966,634
84$1,491,497,525$118,804,931$53,662,985$814,389,415
85$1,643,445,463$124,441,563$55,275,885$894,056,226
86$1,810,886,268$130,348,568$56,936,995$981,699,457
87$1,995,400,031$136,539,011$58,647,748$1,078,125,898
88$2,198,728,003$143,026,592$60,409,617$1,184,224,316
89$2,422,789,040$149,825,675$62,224,119$1,300,973,797
90$2,669,697,712$156,951,323$64,092,817$1,429,452,950
91$2,941,784,270$164,419,330$66,017,318$1,570,850,035
92$3,241,616,645$172,246,256$67,999,278$1,726,474,132
93$3,572,024,690$180,449,469$70,040,400$1,897,767,449
94$3,936,126,894$189,047,179$72,142,439$2,086,318,879
95$4,337,359,827$198,058,481$74,307,201$2,293,878,944
96$4,779,510,580$207,503,398$76,536,543$2,522,376,258
97$5,266,752,523$217,402,927$78,832,381$2,773,935,674
98$5,803,684,697$227,779,087$81,196,682$3,050,898,273
99$6,395,375,240$238,654,967$83,631,475$3,355,843,398
100$7,047,409,232$250,054,778$86,138,847$3,691,612,934