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%17.4%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$966,797
2 years$511,009$501,492$492,268$483,326$474,651$444,709
3 years$337,289$327,731$318,530$309,671$301,138$272,163
4 years$250,446$240,917$231,808$223,101$214,774$186,988
5 years$198,353$188,882$179,893$171,363$163,268$136,746
6 years$163,636$154,236$145,380$137,040$129,188$103,954
7 years$138,848$129,527$120,812$112,668$105,065$81,118
8 years$120,266$111,029$102,458$94,515$87,161$64,486
9 years$105,820$96,670$88,247$80,506$73,402$51,976
10 years$94,271$85,210$76,936$69,397$62,543$42,334
11 years$84,827$75,858$67,733$60,396$53,789$34,763
12 years$76,963$68,086$60,111$52,975$46,612$28,731
13 years$70,314$61,530$53,705$46,769$40,647$23,868
14 years$64,620$55,929$48,255$41,516$35,631$19,912
15 years$59,690$51,092$43,567$37,025$31,372$16,668
16 years$55,380$46,876$39,500$33,152$27,727$13,992
17 years$51,581$43,171$35,944$29,787$24,584$11,773
18 years$48,208$39,892$32,812$26,844$21,859$9,926
19 years$45,193$36,971$30,038$24,256$19,484$8,381
20 years$42,484$34,356$27,567$21,968$17,403$7,087
21 years$40,035$32,001$25,356$19,938$15,574$5,999
22 years$37,812$29,872$23,370$18,128$13,960$5,083
23 years$35,786$27,938$21,578$16,509$12,531$4,310
24 years$33,931$26,176$19,956$15,058$11,263$3,658
25 years$32,227$24,565$18,483$13,752$10,135$3,105
26 years$30,657$23,087$17,142$12,574$9,129$2,638
27 years$29,205$21,728$15,918$11,509$8,231$2,242
28 years$27,860$20,474$14,798$10,545$7,427$1,906
29 years$26,609$19,315$13,771$9,670$6,706$1,621
30 years$25,445$18,241$12,827$8,874$6,060$1,378
31 years$24,357$17,244$11,958$8,150$5,478$1,173
32 years$23,340$16,316$11,157$7,490$4,956$998
33 years$22,386$15,452$10,418$6,888$4,485$849
34 years$21,490$14,645$9,734$6,338$4,061$723
35 years$20,647$13,890$9,100$5,834$3,678$615
36 years$19,853$13,184$8,513$5,373$3,332$524
37 years$19,103$12,522$7,968$4,951$3,020$446
38 years$18,395$11,900$7,462$4,563$2,738$380
39 years$17,725$11,316$6,991$4,207$2,483$323
40 years$17,089$10,766$6,552$3,881$2,252$275
41 years$16,487$10,248$6,144$3,580$2,043$234
42 years$15,914$9,760$5,763$3,304$1,854$200
43 years$15,370$9,299$5,408$3,050$1,683$170
44 years$14,852$8,864$5,077$2,816$1,527$145
45 years$14,358$8,453$4,767$2,601$1,387$123
46 years$13,887$8,064$4,477$2,403$1,259$105
47 years$13,438$7,695$4,206$2,220$1,143$89
48 years$13,008$7,346$3,953$2,051$1,038$76
49 years$12,597$7,015$3,715$1,896$943$65
50 years$12,204$6,701$3,493$1,752$856$55

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 $5,148 every year, while hoping to spend $48,383 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: 66/19/15 Blend
34$12,500,000$12,500,000$12,500,000$12,500,000
35$13,780,310$13,117,810$12,924,060$14,640,325
36$15,134,423$13,709,104$13,305,537$15,806,824
37$16,625,033$14,327,749$13,698,172$17,075,278
38$18,266,013$14,975,035$14,102,287$18,460,590
39$20,072,648$15,652,313$14,518,215$19,974,200
40$22,061,779$16,360,998$14,946,297$21,628,692
41$24,251,966$17,102,573$15,386,883$23,437,914
42$26,663,659$17,878,591$15,840,336$25,417,106
43$29,319,391$18,690,681$16,307,026$27,583,039
44$32,243,993$19,540,548$16,787,336$29,954,172
45$35,464,826$20,429,981$17,281,658$32,550,823
46$39,012,041$21,360,853$17,790,395$35,395,357
47$42,918,860$22,335,125$18,313,964$38,512,394
48$47,221,894$23,354,856$18,852,792$41,929,037
49$51,961,484$24,422,202$19,407,318$45,675,126
50$57,182,086$25,539,420$19,977,994$49,783,514
51$62,932,686$26,708,879$20,565,284$54,290,375
52$69,267,265$27,933,059$21,169,666$59,235,537
53$76,245,308$29,214,561$21,791,631$64,662,861
54$83,932,364$30,556,108$22,431,685$70,620,643
55$92,400,665$31,960,558$23,090,347$77,162,069
56$101,729,810$33,430,902$23,768,151$84,345,712
57$112,007,512$34,970,278$24,465,645$92,236,079
58$123,330,430$36,581,973$25,183,396$100,904,214
59$135,805,077$38,269,433$25,921,983$110,428,364
60$149,548,829$40,036,270$26,682,004$120,894,710
61$164,691,031$41,886,267$27,464,071$132,398,177
62$181,374,215$43,823,394$28,268,817$145,043,323
63$199,755,453$45,851,808$29,096,890$158,945,316
64$220,007,830$47,975,868$29,948,957$174,231,019
65$242,322,085$50,200,142$30,825,704$191,040,177
66$266,908,409$52,529,419$31,727,836$209,526,728
67$293,998,425$54,968,720$32,656,077$229,860,253
68$323,847,382$57,523,305$33,611,173$252,227,561
69$356,736,558$60,198,690$34,593,891$276,834,450
70$392,975,918$63,000,656$35,605,016$303,907,639
71$432,907,037$65,935,264$36,645,360$333,696,897
72$476,906,329$69,008,866$37,715,754$366,477,391
73$525,388,596$72,228,122$38,817,053$402,552,277
74$578,810,946$75,600,013$39,950,138$442,255,546
75$637,677,106$79,131,857$41,115,911$485,955,167
76$702,542,179$82,831,326$42,315,302$534,056,553
77$774,017,882$86,706,463$43,549,266$587,006,368
78$852,778,324$90,765,697$44,818,784$645,296,738
79$939,566,365$95,017,869$46,124,865$709,469,879
80$1,035,200,633$99,472,243$47,468,547$780,123,203
81$1,140,583,250$104,138,535$48,850,895$857,914,942
82$1,256,708,345$109,026,927$50,273,005$943,570,350
83$1,384,671,448$114,148,097$51,736,001$1,037,888,526
84$1,525,679,820$119,513,239$53,241,042$1,141,749,950
85$1,681,063,861$125,134,087$54,789,316$1,256,124,769
86$1,852,289,662$131,022,944$56,382,045$1,382,081,945
87$2,040,972,849$137,192,710$58,020,485$1,520,799,320
88$2,248,893,835$143,656,908$59,705,927$1,673,574,720
89$2,478,014,626$150,429,717$61,439,696$1,841,838,185
90$2,730,497,348$157,526,003$63,223,155$2,027,165,445
91$3,008,724,652$164,961,352$65,057,706$2,231,292,775
92$3,315,322,213$172,752,104$66,944,785$2,456,133,361
93$3,653,183,516$180,915,395$68,885,873$2,703,795,339
94$4,025,497,173$189,469,187$70,882,488$2,976,601,665
95$4,435,777,024$198,432,317$72,936,191$3,277,112,023
96$4,887,895,313$207,824,533$75,048,586$3,608,146,959
97$5,386,119,242$217,666,543$77,221,321$3,972,814,478
98$5,935,151,258$227,980,057$79,456,088$4,374,539,353
99$6,540,173,447$238,787,840$81,754,628$4,817,095,428
100$7,206,896,457$250,113,763$84,118,726$5,304,641,206