Can I retire at age 35 with 12,500,000?

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 $12,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$981,872
2 years$511,009$501,492$492,268$483,326$474,651$459,678
3 years$337,289$327,731$318,530$309,671$301,138$286,553
4 years$250,446$240,917$231,808$223,101$214,774$200,689
5 years$198,353$188,882$179,893$171,363$163,268$149,724
6 years$163,636$154,236$145,380$137,040$129,188$116,201
7 years$138,848$129,527$120,812$112,668$105,065$92,639
8 years$120,266$111,029$102,458$94,515$87,161$75,295
9 years$105,820$96,670$88,247$80,506$73,402$62,089
10 years$94,271$85,210$76,936$69,397$62,543$51,774
11 years$84,827$75,858$67,733$60,396$53,789$43,554
12 years$76,963$68,086$60,111$52,975$46,612$36,899
13 years$70,314$61,530$53,705$46,769$40,647$31,441
14 years$64,620$55,929$48,255$41,516$35,631$26,919
15 years$59,690$51,092$43,567$37,025$31,372$23,138
16 years$55,380$46,876$39,500$33,152$27,727$19,954
17 years$51,581$43,171$35,944$29,787$24,584$17,256
18 years$48,208$39,892$32,812$26,844$21,859$14,959
19 years$45,193$36,971$30,038$24,256$19,484$12,994
20 years$42,484$34,356$27,567$21,968$17,403$11,306
21 years$40,035$32,001$25,356$19,938$15,574$9,853
22 years$37,812$29,872$23,370$18,128$13,960$8,597
23 years$35,786$27,938$21,578$16,509$12,531$7,510
24 years$33,931$26,176$19,956$15,058$11,263$6,567
25 years$32,227$24,565$18,483$13,752$10,135$5,747
26 years$30,657$23,087$17,142$12,574$9,129$5,033
27 years$29,205$21,728$15,918$11,509$8,231$4,411
28 years$27,860$20,474$14,798$10,545$7,427$3,867
29 years$26,609$19,315$13,771$9,670$6,706$3,392
30 years$25,445$18,241$12,827$8,874$6,060$2,977
31 years$24,357$17,244$11,958$8,150$5,478$2,614
32 years$23,340$16,316$11,157$7,490$4,956$2,296
33 years$22,386$15,452$10,418$6,888$4,485$2,017
34 years$21,490$14,645$9,734$6,338$4,061$1,772
35 years$20,647$13,890$9,100$5,834$3,678$1,557
36 years$19,853$13,184$8,513$5,373$3,332$1,369
37 years$19,103$12,522$7,968$4,951$3,020$1,204
38 years$18,395$11,900$7,462$4,563$2,738$1,058
39 years$17,725$11,316$6,991$4,207$2,483$931
40 years$17,089$10,766$6,552$3,881$2,252$819
41 years$16,487$10,248$6,144$3,580$2,043$720
42 years$15,914$9,760$5,763$3,304$1,854$634
43 years$15,370$9,299$5,408$3,050$1,683$557
44 years$14,852$8,864$5,077$2,816$1,527$490
45 years$14,358$8,453$4,767$2,601$1,387$431
46 years$13,887$8,064$4,477$2,403$1,259$380
47 years$13,438$7,695$4,206$2,220$1,143$334
48 years$13,008$7,346$3,953$2,051$1,038$294
49 years$12,597$7,015$3,715$1,896$943$259
50 years$12,204$6,701$3,493$1,752$856$228

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,500,000, adding $5,104 every year, while hoping to spend $55,400 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: 61/34/5 Blend
34$12,500,000$12,500,000$12,500,000$12,500,000
35$13,780,265$13,117,765$12,924,015$14,609,376
36$15,126,907$13,701,590$13,298,024$15,747,342
37$16,609,049$14,312,166$13,682,706$16,981,464
38$18,240,455$14,950,745$14,078,359$18,326,483
39$20,036,289$15,618,639$14,485,292$19,793,076
40$22,013,259$16,317,221$14,903,818$21,392,984
41$24,189,779$17,047,933$15,334,264$23,139,112
42$26,586,136$17,812,280$15,776,961$25,045,654
43$29,224,684$18,611,845$16,232,251$27,128,219
44$32,130,058$19,448,281$16,700,487$29,403,974
45$35,329,400$20,323,323$17,182,030$31,891,804
46$38,852,620$21,238,787$17,677,249$34,612,480
47$42,732,676$22,196,577$18,186,526$37,588,858
48$47,005,887$23,198,687$18,710,253$40,846,083
49$51,712,271$24,247,206$19,248,830$44,411,821
50$56,895,928$25,344,324$19,802,671$48,316,521
51$62,605,451$26,492,335$20,372,199$52,593,687
52$68,894,390$27,693,641$20,957,850$57,280,197
53$75,821,750$28,950,762$21,560,070$62,416,637
54$83,452,554$30,266,336$22,179,319$68,047,682
55$91,858,457$31,643,128$22,816,067$74,222,510
56$101,118,413$33,084,035$23,470,800$80,995,255
57$111,319,433$34,592,095$24,144,014$88,425,515
58$122,557,396$36,170,488$24,836,219$96,578,905
59$134,937,957$37,822,549$25,547,939$105,527,664
60$148,577,547$39,551,771$26,279,712$115,351,333
61$163,604,466$41,361,817$27,032,092$126,137,493
62$180,160,099$43,256,524$27,805,644$137,982,585
63$198,400,247$45,239,912$28,600,952$150,992,806
64$218,496,602$47,316,197$29,418,613$165,285,103
65$240,638,359$49,489,795$30,259,241$180,988,266
66$265,034,012$51,765,335$31,123,465$198,244,132
67$291,913,313$54,147,668$32,011,933$217,208,910
68$321,529,446$56,641,879$32,925,309$238,054,643
69$354,161,416$59,253,298$33,864,273$260,970,818
70$390,116,680$61,987,509$34,829,525$286,166,145
71$429,734,051$64,850,366$35,821,784$313,870,505
72$473,386,896$67,848,006$36,841,786$344,337,110
73$521,486,660$70,986,859$37,890,286$377,844,875
74$574,486,751$74,273,666$38,968,062$414,701,034
75$632,886,817$77,715,494$40,075,910$455,244,023
76$697,237,466$81,319,747$41,214,647$499,846,654
77$768,145,461$85,094,188$42,385,111$548,919,620
78$846,279,450$89,046,955$43,588,164$602,915,345
79$932,376,275$93,186,577$44,824,688$662,332,238
80$1,027,247,930$97,521,994$46,095,591$727,719,373
81$1,131,789,226$102,062,579$47,401,800$799,681,652
82$1,246,986,237$106,818,156$48,744,271$878,885,488
83$1,373,925,611$111,799,023$50,123,982$966,065,069
84$1,513,804,825$117,015,976$51,541,936$1,062,029,268
85$1,667,943,490$122,480,332$52,999,164$1,167,669,244
86$1,837,795,812$128,203,955$54,496,723$1,283,966,829
87$2,024,964,317$134,199,281$56,035,695$1,412,003,766
88$2,231,214,980$140,479,348$57,617,193$1,552,971,886
89$2,458,493,895$147,057,823$59,242,356$1,708,184,329
90$2,708,945,652$153,949,036$60,912,355$1,879,087,900
91$2,984,933,578$161,168,008$62,628,388$2,067,276,696
92$3,289,062,049$168,730,487$64,391,685$2,274,507,113
93$3,624,201,080$176,652,983$66,203,509$2,502,714,385
94$3,993,513,415$184,952,804$68,065,151$2,754,030,813
95$4,400,484,389$193,648,096$69,977,939$3,030,805,851
96$4,848,954,829$202,757,885$71,943,232$3,335,628,237
97$5,343,157,316$212,302,117$73,962,425$3,671,350,382
98$5,887,756,144$222,301,702$76,036,948$4,041,115,250
99$6,487,891,350$232,778,565$78,168,265$4,448,385,976
100$7,149,227,246$243,755,693$80,357,881$4,896,978,498