Can I retire at age 35 with 12,200,000?

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 $12,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$1,007,465$998,491$989,735$981,190$972,845$962,285
2 years$498,745$489,456$480,454$471,726$463,260$452,627
3 years$329,194$319,865$310,886$302,239$293,911$283,536
4 years$244,435$235,135$226,245$217,746$209,620$199,582
5 years$193,593$184,348$175,575$167,250$159,350$149,678
6 years$159,709$150,534$141,891$133,751$126,088$116,795
7 years$135,516$126,419$117,912$109,964$102,543$93,633
8 years$117,379$108,364$99,999$92,246$85,069$76,541
9 years$103,281$94,350$86,129$78,573$71,641$63,491
10 years$92,008$83,165$75,089$67,731$61,042$53,265
11 years$82,791$74,037$66,107$58,946$52,498$45,088
12 years$75,116$66,452$58,669$51,704$45,493$38,443
13 years$68,627$60,053$52,416$45,647$39,671$32,972
14 years$63,069$54,586$47,096$40,520$34,776$28,417
15 years$58,257$49,866$42,522$36,137$30,619$24,592
16 years$54,051$45,751$38,552$32,357$27,061$21,356
17 years$50,343$42,135$35,081$29,072$23,994$18,600
18 years$47,051$38,934$32,024$26,200$21,335$16,239
19 years$44,109$36,084$29,317$23,674$19,016$14,209
20 years$41,464$33,531$26,906$21,441$16,986$12,456
21 years$39,074$31,233$24,748$19,459$15,200$10,936
22 years$36,905$29,155$22,809$17,693$13,625$9,616
23 years$34,927$27,268$21,060$16,113$12,230$8,464
24 years$33,116$25,548$19,477$14,696$10,993$7,459
25 years$31,453$23,976$18,040$13,421$9,892$6,579
26 years$29,921$22,533$16,731$12,272$8,910$5,808
27 years$28,504$21,206$15,536$11,233$8,033$5,130
28 years$27,191$19,983$14,443$10,292$7,249$4,535
29 years$25,971$18,851$13,440$9,438$6,545$4,010
30 years$24,834$17,803$12,519$8,661$5,914$3,549
31 years$23,772$16,830$11,671$7,955$5,347$3,141
32 years$22,779$15,925$10,889$7,311$4,837$2,782
33 years$21,848$15,081$10,167$6,723$4,377$2,464
34 years$20,974$14,293$9,500$6,186$3,963$2,183
35 years$20,152$13,557$8,882$5,694$3,590$1,935
36 years$19,376$12,867$8,309$5,244$3,252$1,716
37 years$18,645$12,221$7,777$4,832$2,948$1,521
38 years$17,954$11,614$7,283$4,454$2,672$1,349
39 years$17,299$11,044$6,823$4,106$2,423$1,197
40 years$16,679$10,508$6,395$3,788$2,198$1,062
41 years$16,091$10,002$5,997$3,495$1,994$942
42 years$15,532$9,526$5,625$3,225$1,809$836
43 years$15,001$9,076$5,278$2,977$1,642$742
44 years$14,495$8,651$4,955$2,749$1,491$658
45 years$14,013$8,250$4,652$2,539$1,353$584
46 years$13,554$7,870$4,370$2,345$1,229$519
47 years$13,115$7,511$4,105$2,166$1,116$460
48 years$12,696$7,170$3,858$2,002$1,013$409
49 years$12,295$6,847$3,626$1,850$920$363
50 years$11,911$6,540$3,409$1,710$836$322

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,200,000, adding $3,059 every year, while hoping to spend $39,852 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: 58/27/15 Blend
34$12,200,000$12,200,000$12,200,000$12,200,000
35$13,447,555$12,800,955$12,611,855$14,175,663
36$14,776,804$13,385,800$12,991,950$15,253,362
37$16,240,300$13,997,966$13,383,443$16,422,948
38$17,851,695$14,638,751$13,786,672$17,696,994
39$19,626,031$15,309,513$14,201,989$19,085,553
40$21,579,883$16,011,676$14,629,753$20,599,679
41$23,731,517$16,746,734$15,070,335$22,251,526
42$26,101,057$17,516,249$15,524,117$24,054,459
43$28,710,681$18,321,862$15,991,491$26,023,180
44$31,584,828$19,165,291$16,472,864$28,173,857
45$34,750,426$20,048,335$16,968,650$30,524,277
46$38,237,149$20,972,883$17,479,279$33,094,007
47$42,077,696$21,940,913$18,005,193$35,904,577
48$46,308,101$22,954,497$18,546,847$38,979,676
49$50,968,069$24,015,809$19,104,708$42,345,369
50$56,101,355$25,127,126$19,679,258$46,030,342
51$61,756,174$26,290,837$20,270,994$50,066,168
52$67,985,658$27,509,441$20,880,427$54,487,592
53$74,848,355$28,785,564$21,508,081$59,332,862
54$82,408,784$30,121,954$22,154,499$64,644,077
55$90,738,043$31,521,493$22,820,238$70,467,585
56$99,914,479$32,987,201$23,505,871$76,854,405
57$110,024,427$34,522,245$24,211,989$83,860,708
58$121,163,028$36,129,945$24,939,200$91,548,339
59$133,435,124$37,813,780$25,688,131$99,985,392
60$146,956,248$39,577,396$26,459,424$109,246,844
61$161,853,715$41,424,618$27,253,745$119,415,255
62$178,267,824$43,359,454$28,071,775$130,581,540
63$196,353,180$45,386,105$28,914,217$142,845,815
64$216,280,156$47,508,977$29,781,796$156,318,338
65$238,236,502$49,732,686$30,675,255$171,120,531
66$262,429,111$52,062,073$31,595,362$187,386,126
67$289,085,979$54,502,214$32,542,906$205,262,406
68$318,458,355$57,058,428$33,518,699$224,911,593
69$350,823,109$59,736,294$34,523,578$246,512,361
70$386,485,352$62,541,658$35,558,403$270,261,515
71$425,781,309$65,480,650$36,624,061$296,375,831
72$469,081,499$68,559,699$37,721,464$325,094,090
73$516,794,230$71,785,541$38,851,550$356,679,322
74$569,369,451$75,165,242$40,015,286$391,421,266
75$627,303,004$78,706,208$41,213,668$429,639,099
76$691,141,302$82,416,204$42,447,717$471,684,423
77$761,486,488$86,303,372$43,718,490$517,944,574
78$839,002,120$90,376,247$45,027,069$568,846,257
79$924,419,433$94,643,780$46,374,572$624,859,557
80$1,018,544,243$99,115,353$47,762,149$686,502,356
81$1,122,264,556$103,800,805$49,190,980$754,345,201
82$1,236,558,948$108,710,452$50,662,285$829,016,670
83$1,362,505,805$113,855,109$52,177,316$911,209,283
84$1,501,293,503$119,246,115$53,737,363$1,001,686,013
85$1,654,231,629$124,895,363$55,343,753$1,101,287,471
86$1,822,763,338$130,815,318$56,997,851$1,210,939,806
87$2,008,478,983$137,019,054$58,701,064$1,331,663,430
88$2,213,131,129$143,520,278$60,454,840$1,464,582,619
89$2,438,651,094$150,333,361$62,260,666$1,610,936,096
90$2,687,167,183$157,473,373$64,120,076$1,772,088,696
91$2,961,024,785$164,956,117$66,034,647$1,949,544,216
92$3,262,808,508$172,798,162$68,006,003$2,144,959,582
93$3,595,366,585$181,016,881$70,035,814$2,360,160,449
94$3,961,837,762$189,630,494$72,125,799$2,597,158,405
95$4,365,680,928$198,658,102$74,277,728$2,858,169,921
96$4,810,707,772$208,119,739$76,493,421$3,145,637,230
97$5,301,118,767$218,036,409$78,774,753$3,462,251,348
98$5,841,542,826$228,430,137$81,123,652$3,810,977,429
99$6,437,081,002$239,324,022$83,542,102$4,195,082,712
100$7,093,354,648$250,742,282$86,032,146$4,618,167,318