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%16.9%
1 years$1,007,465$998,491$989,735$981,190$972,845$945,494
2 years$498,745$489,456$480,454$471,726$463,260$435,912
3 years$329,194$319,865$310,886$302,239$293,911$267,424
4 years$244,435$235,135$226,245$217,746$209,620$184,197
5 years$193,593$184,348$175,575$167,250$159,350$135,060
6 years$159,709$150,534$141,891$133,751$126,088$102,954
7 years$135,516$126,419$117,912$109,964$102,543$80,566
8 years$117,379$108,364$99,999$92,246$85,069$64,236
9 years$103,281$94,350$86,129$78,573$71,641$51,932
10 years$92,008$83,165$75,089$67,731$61,042$42,430
11 years$82,791$74,037$66,107$58,946$52,498$34,954
12 years$75,116$66,452$58,669$51,704$45,493$28,984
13 years$68,627$60,053$52,416$45,647$39,671$24,161
14 years$63,069$54,586$47,096$40,520$34,776$20,226
15 years$58,257$49,866$42,522$36,137$30,619$16,991
16 years$54,051$45,751$38,552$32,357$27,061$14,314
17 years$50,343$42,135$35,081$29,072$23,994$12,088
18 years$47,051$38,934$32,024$26,200$21,335$10,229
19 years$44,109$36,084$29,317$23,674$19,016$8,670
20 years$41,464$33,531$26,906$21,441$16,986$7,359
21 years$39,074$31,233$24,748$19,459$15,200$6,253
22 years$36,905$29,155$22,809$17,693$13,625$5,319
23 years$34,927$27,268$21,060$16,113$12,230$4,528
24 years$33,116$25,548$19,477$14,696$10,993$3,858
25 years$31,453$23,976$18,040$13,421$9,892$3,289
26 years$29,921$22,533$16,731$12,272$8,910$2,805
27 years$28,504$21,206$15,536$11,233$8,033$2,393
28 years$27,191$19,983$14,443$10,292$7,249$2,043
29 years$25,971$18,851$13,440$9,438$6,545$1,744
30 years$24,834$17,803$12,519$8,661$5,914$1,490
31 years$23,772$16,830$11,671$7,955$5,347$1,273
32 years$22,779$15,925$10,889$7,311$4,837$1,087
33 years$21,848$15,081$10,167$6,723$4,377$929
34 years$20,974$14,293$9,500$6,186$3,963$794
35 years$20,152$13,557$8,882$5,694$3,590$679
36 years$19,376$12,867$8,309$5,244$3,252$580
37 years$18,645$12,221$7,777$4,832$2,948$496
38 years$17,954$11,614$7,283$4,454$2,672$424
39 years$17,299$11,044$6,823$4,106$2,423$363
40 years$16,679$10,508$6,395$3,788$2,198$310
41 years$16,091$10,002$5,997$3,495$1,994$265
42 years$15,532$9,526$5,625$3,225$1,809$227
43 years$15,001$9,076$5,278$2,977$1,642$194
44 years$14,495$8,651$4,955$2,749$1,491$166
45 years$14,013$8,250$4,652$2,539$1,353$142
46 years$13,554$7,870$4,370$2,345$1,229$121
47 years$13,115$7,511$4,105$2,166$1,116$104
48 years$12,696$7,170$3,858$2,002$1,013$89
49 years$12,295$6,847$3,626$1,850$920$76
50 years$11,911$6,540$3,409$1,710$836$65

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 $3,823 every year, while hoping to spend $53,775 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: 52/19/29 Blend
34$12,200,000$12,200,000$12,200,000$12,200,000
35$13,448,343$12,801,743$12,612,643$14,037,868
36$14,762,858$13,371,813$12,977,951$15,018,654
37$16,209,651$13,968,013$13,353,694$16,079,299
38$17,802,158$14,591,568$13,740,165$17,232,115
39$19,555,183$15,243,760$14,137,665$18,485,932
40$21,485,039$15,925,931$14,546,504$19,850,457
41$23,609,699$16,639,488$14,966,998$21,336,367
42$25,948,970$17,385,904$15,399,474$22,955,402
43$28,524,676$18,166,724$15,844,267$24,720,478
44$31,360,864$18,983,565$16,301,722$26,645,799
45$34,484,034$19,838,122$16,772,191$28,746,995
46$37,923,384$20,732,169$17,256,039$31,041,261
47$41,711,091$21,667,566$17,753,637$33,547,517
48$45,882,608$22,646,263$18,265,370$36,286,585
49$50,477,006$23,670,302$18,791,632$39,281,376
50$55,537,335$24,741,821$19,332,825$42,557,109
51$61,111,035$25,863,062$19,889,367$46,141,541
52$67,250,382$27,036,374$20,461,683$50,065,224
53$74,012,983$28,264,218$21,050,211$54,361,790
54$81,462,315$29,549,172$21,655,401$59,068,265
55$89,668,329$30,893,940$22,277,715$64,225,409
56$98,708,108$32,301,352$22,917,628$69,878,101
57$108,666,593$33,774,377$23,575,626$76,075,753
58$119,637,387$35,316,122$24,252,211$82,872,774
59$131,723,636$36,929,848$24,947,895$90,329,073
60$145,039,004$38,618,968$25,663,207$98,510,625
61$159,708,746$40,387,060$26,398,688$107,490,080
62$175,870,888$42,237,876$27,154,894$117,347,449
63$193,677,531$44,175,345$27,932,396$128,170,845
64$213,296,289$46,203,586$28,731,781$140,057,314
65$234,911,864$48,326,916$29,553,649$153,113,740
66$258,727,799$50,549,859$30,398,621$167,457,848
67$284,968,388$52,877,156$31,267,328$183,219,303
68$313,880,804$55,313,777$32,160,424$200,540,930
69$345,737,424$57,864,930$33,078,576$219,580,052
70$380,838,403$60,536,074$34,022,471$240,509,964
71$419,514,509$63,332,930$34,992,812$263,521,560
72$462,130,241$66,261,496$35,990,324$288,825,125
73$509,087,274$69,328,058$37,015,748$316,652,311
74$560,828,246$72,539,202$38,069,845$347,258,309
75$617,840,940$75,901,836$39,153,398$380,924,249
76$680,662,887$79,423,198$40,267,209$417,959,842
77$749,886,442$83,110,875$41,412,100$458,706,289
78$826,164,372$86,972,820$42,588,918$503,539,491
79$910,216,019$91,017,370$43,798,529$552,873,583
80$1,002,834,096$95,253,264$45,041,822$607,164,828
81$1,104,892,162$99,689,662$46,319,711$666,915,911
82$1,217,352,874$104,336,167$47,633,133$732,680,669
83$1,341,277,072$109,202,844$48,983,048$805,069,300
84$1,477,833,796$114,300,246$50,370,443$884,754,109
85$1,628,311,319$119,639,435$51,796,329$972,475,838
86$1,794,129,312$125,232,005$53,261,744$1,069,050,636
87$1,976,852,243$131,090,114$54,767,753$1,175,377,750
88$2,178,204,147$137,226,505$56,315,448$1,292,447,988
89$2,400,084,904$143,654,538$57,905,950$1,421,353,057
90$2,644,588,173$150,388,219$59,540,407$1,563,295,844
91$2,914,021,154$157,442,230$61,219,999$1,719,601,747
92$3,210,926,378$164,831,964$62,945,935$1,891,731,168
93$3,538,105,698$172,573,561$64,719,454$2,081,293,271
94$3,898,646,752$180,683,937$66,541,828$2,290,061,149
95$4,295,952,102$189,180,832$68,414,360$2,519,988,534
96$4,733,771,365$198,082,841$70,338,390$2,773,228,214
97$5,216,236,605$207,409,461$72,315,287$3,052,152,324
98$5,747,901,347$217,181,133$74,346,457$3,359,374,714
99$6,333,783,564$227,419,289$76,433,344$3,697,775,586
100$6,979,413,050$238,146,396$78,577,423$4,070,528,656