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%18.4%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$962,934
2 years$511,009$501,492$492,268$483,326$474,651$440,904
3 years$337,289$327,731$318,530$309,671$301,138$268,537
4 years$250,446$240,917$231,808$223,101$214,774$183,568
5 years$198,353$188,882$179,893$171,363$163,268$133,540
6 years$163,636$154,236$145,380$137,040$129,188$100,961
7 years$138,848$129,527$120,812$112,668$105,065$78,335
8 years$120,266$111,029$102,458$94,515$87,161$61,907
9 years$105,820$96,670$88,247$80,506$73,402$49,594
10 years$94,271$85,210$76,936$69,397$62,543$40,141
11 years$84,827$75,858$67,733$60,396$53,789$32,749
12 years$76,963$68,086$60,111$52,975$46,612$26,888
13 years$70,314$61,530$53,705$46,769$40,647$22,186
14 years$64,620$55,929$48,255$41,516$35,631$18,380
15 years$59,690$51,092$43,567$37,025$31,372$15,278
16 years$55,380$46,876$39,500$33,152$27,727$12,733
17 years$51,581$43,171$35,944$29,787$24,584$10,635
18 years$48,208$39,892$32,812$26,844$21,859$8,900
19 years$45,193$36,971$30,038$24,256$19,484$7,458
20 years$42,484$34,356$27,567$21,968$17,403$6,258
21 years$40,035$32,001$25,356$19,938$15,574$5,257
22 years$37,812$29,872$23,370$18,128$13,960$4,420
23 years$35,786$27,938$21,578$16,509$12,531$3,718
24 years$33,931$26,176$19,956$15,058$11,263$3,130
25 years$32,227$24,565$18,483$13,752$10,135$2,637
26 years$30,657$23,087$17,142$12,574$9,129$2,222
27 years$29,205$21,728$15,918$11,509$8,231$1,873
28 years$27,860$20,474$14,798$10,545$7,427$1,579
29 years$26,609$19,315$13,771$9,670$6,706$1,332
30 years$25,445$18,241$12,827$8,874$6,060$1,124
31 years$24,357$17,244$11,958$8,150$5,478$948
32 years$23,340$16,316$11,157$7,490$4,956$800
33 years$22,386$15,452$10,418$6,888$4,485$675
34 years$21,490$14,645$9,734$6,338$4,061$570
35 years$20,647$13,890$9,100$5,834$3,678$481
36 years$19,853$13,184$8,513$5,373$3,332$406
37 years$19,103$12,522$7,968$4,951$3,020$343
38 years$18,395$11,900$7,462$4,563$2,738$290
39 years$17,725$11,316$6,991$4,207$2,483$245
40 years$17,089$10,766$6,552$3,881$2,252$206
41 years$16,487$10,248$6,144$3,580$2,043$174
42 years$15,914$9,760$5,763$3,304$1,854$147
43 years$15,370$9,299$5,408$3,050$1,683$124
44 years$14,852$8,864$5,077$2,816$1,527$105
45 years$14,358$8,453$4,767$2,601$1,387$89
46 years$13,887$8,064$4,477$2,403$1,259$75
47 years$13,438$7,695$4,206$2,220$1,143$63
48 years$13,008$7,346$3,953$2,051$1,038$53
49 years$12,597$7,015$3,715$1,896$943$45
50 years$12,204$6,701$3,493$1,752$856$38

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 $6,119 every year, while hoping to spend $34,277 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: 56/31/13 Blend
34$12,500,000$12,500,000$12,500,000$12,500,000
35$13,781,312$13,118,812$12,925,062$14,506,892
36$15,150,535$13,725,163$13,321,581$15,605,601
37$16,658,270$14,360,077$13,730,235$16,797,515
38$18,318,610$15,024,916$14,151,393$18,095,018
39$20,147,081$15,721,111$14,585,438$19,508,210
40$22,160,796$16,450,157$15,032,763$21,048,189
41$24,378,609$17,213,627$15,493,772$22,727,158
42$26,821,298$18,013,165$15,968,884$24,558,528
43$29,511,757$18,850,497$16,458,529$26,557,048
44$32,475,215$19,727,431$16,963,149$28,738,935
45$35,739,474$20,645,862$17,483,201$31,122,024
46$39,335,169$21,607,777$18,019,156$33,725,929
47$43,296,058$22,615,260$18,571,500$36,572,226
48$47,659,342$23,670,494$19,140,731$39,684,650
49$52,466,014$24,775,767$19,727,365$43,089,312
50$57,761,247$25,933,479$20,331,931$46,814,942
51$63,594,820$27,146,146$20,954,977$50,893,149
52$70,021,589$28,416,404$21,597,066$55,358,720
53$77,102,001$29,747,018$22,258,777$60,249,935
54$84,902,668$31,140,885$22,940,710$65,608,925
55$93,496,997$32,601,045$23,643,480$71,482,060
56$102,965,875$34,130,681$24,367,721$77,920,381
57$113,398,443$35,733,133$25,114,089$84,980,071
58$124,892,930$37,411,902$25,883,256$92,722,978
59$137,557,581$39,170,658$26,675,918$101,217,189
60$151,511,682$41,013,248$27,492,789$110,537,667
61$166,886,684$42,943,707$28,334,607$120,766,941
62$183,827,441$44,966,263$29,202,131$131,995,884
63$202,493,582$47,085,352$30,096,145$144,324,552
64$223,061,015$49,305,623$31,017,454$157,863,122
65$245,723,589$51,631,949$31,966,889$172,732,919
66$270,694,921$54,069,440$32,945,306$189,067,547
67$298,210,416$56,623,456$33,953,587$207,014,141
68$328,529,488$59,299,614$34,992,641$226,734,738
69$361,938,005$62,103,805$36,063,404$248,407,797
70$398,750,994$65,042,204$37,166,840$272,229,864
71$439,315,610$68,121,286$38,303,944$298,417,415
72$484,014,415$71,347,843$39,475,739$327,208,883
73$533,268,990$74,728,991$40,683,281$358,866,891
74$587,543,912$78,272,197$41,927,656$393,680,711
75$647,351,143$81,985,287$43,209,985$431,968,983
76$713,254,861$85,876,468$44,531,421$474,082,695
77$785,876,786$89,954,344$45,893,153$520,408,482
78$865,902,051$94,227,939$47,296,405$571,372,251
79$954,085,666$98,706,713$48,742,440$627,443,183
80$1,051,259,650$103,400,588$50,232,558$689,138,132
81$1,158,340,883$108,319,967$51,768,099$757,026,488
82$1,276,339,765$113,475,756$53,350,441$831,735,520
83$1,406,369,747$118,879,395$54,981,007$913,956,274
84$1,549,657,853$124,542,877$56,661,263$1,004,450,066
85$1,707,556,255$130,478,778$58,392,716$1,104,055,643
86$1,881,555,042$136,700,288$60,176,921$1,213,697,067
87$2,073,296,290$143,221,236$62,015,482$1,334,392,408
88$2,284,589,558$150,056,122$63,910,046$1,467,263,319
89$2,517,428,976$157,220,156$65,862,316$1,613,545,591
90$2,774,012,070$164,729,282$67,874,042$1,774,600,785
91$3,056,760,508$172,600,224$69,947,030$1,951,929,038
92$3,368,342,962$180,850,516$72,083,137$2,147,183,196
93$3,711,700,301$189,498,549$74,284,280$2,362,184,366
94$4,090,073,360$198,563,606$76,552,431$2,598,939,067
95$4,507,033,529$208,065,909$78,889,623$2,859,658,126
96$4,966,516,474$218,026,664$81,297,951$3,146,777,500
97$5,472,859,294$228,468,110$83,779,572$3,462,981,219
98$6,030,841,464$239,413,569$86,336,709$3,811,226,677
99$6,645,729,955$250,887,496$88,971,652$4,194,772,490
100$7,323,328,967$262,915,540$91,686,759$4,617,209,202