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%13.5%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$982,278
2 years$511,009$501,492$492,268$483,326$474,651$460,083
3 years$337,289$327,731$318,530$309,671$301,138$286,945
4 years$250,446$240,917$231,808$223,101$214,774$201,066
5 years$198,353$188,882$179,893$171,363$163,268$150,083
6 years$163,636$154,236$145,380$137,040$129,188$116,543
7 years$138,848$129,527$120,812$112,668$105,065$92,963
8 years$120,266$111,029$102,458$94,515$87,161$75,602
9 years$105,820$96,670$88,247$80,506$73,402$62,380
10 years$94,271$85,210$76,936$69,397$62,543$52,048
11 years$84,827$75,858$67,733$60,396$53,789$43,812
12 years$76,963$68,086$60,111$52,975$46,612$37,141
13 years$70,314$61,530$53,705$46,769$40,647$31,669
14 years$64,620$55,929$48,255$41,516$35,631$27,131
15 years$59,690$51,092$43,567$37,025$31,372$23,336
16 years$55,380$46,876$39,500$33,152$27,727$20,139
17 years$51,581$43,171$35,944$29,787$24,584$17,429
18 years$48,208$39,892$32,812$26,844$21,859$15,119
19 years$45,193$36,971$30,038$24,256$19,484$13,143
20 years$42,484$34,356$27,567$21,968$17,403$11,445
21 years$40,035$32,001$25,356$19,938$15,574$9,981
22 years$37,812$29,872$23,370$18,128$13,960$8,716
23 years$35,786$27,938$21,578$16,509$12,531$7,620
24 years$33,931$26,176$19,956$15,058$11,263$6,668
25 years$32,227$24,565$18,483$13,752$10,135$5,840
26 years$30,657$23,087$17,142$12,574$9,129$5,118
27 years$29,205$21,728$15,918$11,509$8,231$4,489
28 years$27,860$20,474$14,798$10,545$7,427$3,939
29 years$26,609$19,315$13,771$9,670$6,706$3,458
30 years$25,445$18,241$12,827$8,874$6,060$3,038
31 years$24,357$17,244$11,958$8,150$5,478$2,669
32 years$23,340$16,316$11,157$7,490$4,956$2,346
33 years$22,386$15,452$10,418$6,888$4,485$2,063
34 years$21,490$14,645$9,734$6,338$4,061$1,814
35 years$20,647$13,890$9,100$5,834$3,678$1,596
36 years$19,853$13,184$8,513$5,373$3,332$1,404
37 years$19,103$12,522$7,968$4,951$3,020$1,235
38 years$18,395$11,900$7,462$4,563$2,738$1,087
39 years$17,725$11,316$6,991$4,207$2,483$957
40 years$17,089$10,766$6,552$3,881$2,252$842
41 years$16,487$10,248$6,144$3,580$2,043$742
42 years$15,914$9,760$5,763$3,304$1,854$653
43 years$15,370$9,299$5,408$3,050$1,683$575
44 years$14,852$8,864$5,077$2,816$1,527$506
45 years$14,358$8,453$4,767$2,601$1,387$446
46 years$13,887$8,064$4,477$2,403$1,259$393
47 years$13,438$7,695$4,206$2,220$1,143$346
48 years$13,008$7,346$3,953$2,051$1,038$305
49 years$12,597$7,015$3,715$1,896$943$268
50 years$12,204$6,701$3,493$1,752$856$236

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 $5,944 every year, while hoping to spend $32,733 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: 43/30/27 Blend
34$12,500,000$12,500,000$12,500,000$12,500,000
35$13,781,131$13,118,631$12,924,881$14,264,969
36$15,151,979$13,726,617$13,323,037$15,219,764
37$16,661,556$14,363,296$13,733,434$16,250,049
38$18,323,978$15,030,041$14,156,448$17,365,746
39$20,154,801$15,728,290$14,592,465$18,574,785
40$22,171,163$16,459,548$15,041,885$19,885,875
41$24,391,952$17,225,396$15,505,119$21,308,578
42$26,837,980$18,027,490$15,982,589$22,853,394
43$29,532,182$18,867,565$16,474,734$24,531,860
44$32,499,829$19,747,440$16,982,002$26,356,649
45$35,768,770$20,669,023$17,504,858$28,341,687
46$39,369,693$21,634,314$18,043,779$30,502,278
47$43,336,414$22,645,408$18,599,258$32,855,245
48$47,706,198$23,704,502$19,171,803$35,419,078
49$52,520,108$24,813,900$19,761,936$38,214,106
50$57,823,394$25,976,017$20,370,196$41,262,682
51$63,665,923$27,193,384$20,997,140$44,589,388
52$70,102,642$28,468,655$21,643,339$48,221,257
53$77,194,105$29,804,613$22,309,385$52,188,022
54$85,007,038$31,204,173$22,995,884$56,522,390
55$93,614,973$32,670,395$23,703,463$61,260,342
56$103,098,940$34,206,484$24,432,769$66,441,465
57$113,548,232$35,815,802$25,184,466$72,109,314
58$125,061,247$37,501,872$25,959,241$78,311,816
59$137,746,420$39,268,388$26,757,801$85,101,716
60$151,723,241$41,119,225$27,580,874$92,537,056
61$167,123,388$43,058,444$28,429,210$100,681,722
62$184,091,968$45,090,303$29,303,583$109,606,030
63$202,788,886$47,219,265$30,204,790$119,387,380
64$223,390,356$49,450,012$31,133,654$130,110,974
65$246,090,561$51,787,451$32,091,020$141,870,610
66$271,103,490$54,236,728$33,077,761$154,769,552
67$298,664,956$56,803,238$34,094,776$168,921,490
68$329,034,822$59,492,637$35,142,991$184,451,602
69$362,499,455$62,310,857$36,223,362$201,497,719
70$399,374,427$65,264,117$37,336,873$220,211,610
71$440,007,497$68,358,938$38,484,537$240,760,400
72$484,781,893$71,602,157$39,667,400$263,328,127
73$534,119,926$75,000,942$40,886,538$288,117,466
74$588,486,982$78,562,812$42,143,061$315,351,620
75$648,395,913$82,295,649$43,438,112$345,276,408
76$714,411,877$86,207,717$44,772,870$378,162,567
77$787,157,677$90,307,683$46,148,549$414,308,284
78$867,319,636$94,604,635$47,566,401$454,041,990
79$955,654,078$99,108,102$49,027,716$497,725,435
80$1,052,994,471$103,828,076$50,533,821$545,757,081
81$1,160,259,289$108,775,034$52,086,086$598,575,838
82$1,278,460,690$113,959,963$53,685,923$656,665,177
83$1,408,714,064$119,394,385$55,334,785$720,557,669
84$1,552,248,570$125,090,381$57,034,171$790,839,984
85$1,710,418,733$131,060,620$58,785,626$868,158,395
86$1,884,717,239$137,318,385$60,590,740$953,224,851
87$2,076,789,020$143,877,609$62,451,152$1,046,823,661
88$2,288,446,788$150,752,899$64,368,553$1,149,818,867
89$2,521,688,144$157,959,575$66,344,683$1,263,162,358
90$2,778,714,442$165,513,701$68,381,337$1,387,902,825
91$3,061,951,566$173,432,124$70,480,364$1,525,195,615
92$3,374,072,838$181,732,510$72,643,667$1,676,313,599
93$3,718,024,248$190,433,384$74,873,211$1,842,659,144
94$4,097,052,276$199,554,174$77,171,018$2,025,777,304
95$4,514,734,533$209,115,254$79,539,173$2,227,370,360
96$4,975,013,543$219,137,989$81,979,822$2,449,313,840
97$5,482,233,959$229,644,785$84,495,181$2,693,674,170
98$6,041,183,582$240,659,138$87,087,528$2,962,728,128
99$6,657,138,561$252,205,690$89,759,215$3,258,984,283
100$7,335,913,208$264,310,282$92,512,662$3,585,206,611