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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.6%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$969,918
2 years$511,009$501,492$492,268$483,326$474,651$447,792
3 years$337,289$327,731$318,530$309,671$301,138$275,111
4 years$250,446$240,917$231,808$223,101$214,774$189,778
5 years$198,353$188,882$179,893$171,363$163,268$139,372
6 years$163,636$154,236$145,380$137,040$129,188$106,416
7 years$138,848$129,527$120,812$112,668$105,065$83,416
8 years$120,266$111,029$102,458$94,515$87,161$66,626
9 years$105,820$96,670$88,247$80,506$73,402$53,962
10 years$94,271$85,210$76,936$69,397$62,543$44,172
11 years$84,827$75,858$67,733$60,396$53,789$36,459
12 years$76,963$68,086$60,111$52,975$46,612$30,292
13 years$70,314$61,530$53,705$46,769$40,647$25,302
14 years$64,620$55,929$48,255$41,516$35,631$21,225
15 years$59,690$51,092$43,567$37,025$31,372$17,868
16 years$55,380$46,876$39,500$33,152$27,727$15,086
17 years$51,581$43,171$35,944$29,787$24,584$12,768
18 years$48,208$39,892$32,812$26,844$21,859$10,828
19 years$45,193$36,971$30,038$24,256$19,484$9,198
20 years$42,484$34,356$27,567$21,968$17,403$7,825
21 years$40,035$32,001$25,356$19,938$15,574$6,665
22 years$37,812$29,872$23,370$18,128$13,960$5,682
23 years$35,786$27,938$21,578$16,509$12,531$4,849
24 years$33,931$26,176$19,956$15,058$11,263$4,141
25 years$32,227$24,565$18,483$13,752$10,135$3,539
26 years$30,657$23,087$17,142$12,574$9,129$3,025
27 years$29,205$21,728$15,918$11,509$8,231$2,588
28 years$27,860$20,474$14,798$10,545$7,427$2,214
29 years$26,609$19,315$13,771$9,670$6,706$1,895
30 years$25,445$18,241$12,827$8,874$6,060$1,623
31 years$24,357$17,244$11,958$8,150$5,478$1,390
32 years$23,340$16,316$11,157$7,490$4,956$1,190
33 years$22,386$15,452$10,418$6,888$4,485$1,020
34 years$21,490$14,645$9,734$6,338$4,061$874
35 years$20,647$13,890$9,100$5,834$3,678$749
36 years$19,853$13,184$8,513$5,373$3,332$642
37 years$19,103$12,522$7,968$4,951$3,020$550
38 years$18,395$11,900$7,462$4,563$2,738$472
39 years$17,725$11,316$6,991$4,207$2,483$404
40 years$17,089$10,766$6,552$3,881$2,252$347
41 years$16,487$10,248$6,144$3,580$2,043$297
42 years$15,914$9,760$5,763$3,304$1,854$255
43 years$15,370$9,299$5,408$3,050$1,683$218
44 years$14,852$8,864$5,077$2,816$1,527$187
45 years$14,358$8,453$4,767$2,601$1,387$161
46 years$13,887$8,064$4,477$2,403$1,259$138
47 years$13,438$7,695$4,206$2,220$1,143$118
48 years$13,008$7,346$3,953$2,051$1,038$101
49 years$12,597$7,015$3,715$1,896$943$87
50 years$12,204$6,701$3,493$1,752$856$74

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 $6,601 every year, while hoping to spend $35,191 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: 60/16/24 Blend
34$12,500,000$12,500,000$12,500,000$12,500,000
35$13,781,809$13,119,309$12,925,559$14,520,008
36$15,150,110$13,724,712$13,321,122$15,627,866
37$16,656,799$14,358,601$13,728,757$16,831,681
38$18,315,954$15,022,333$14,148,832$18,144,404
39$20,143,087$15,717,333$14,581,724$19,576,625
40$22,155,294$16,445,094$15,027,823$21,139,993
41$24,371,410$17,207,180$15,487,531$22,847,327
42$26,812,193$18,005,231$15,961,263$24,712,728
43$29,500,515$18,840,966$16,449,444$26,751,714
44$32,461,581$19,716,186$16,952,513$28,981,362
45$35,723,163$20,632,781$17,470,923$31,420,465
46$39,315,868$21,592,729$18,005,142$34,089,706
47$43,273,420$22,598,107$18,555,648$37,011,854
48$47,632,984$23,651,089$19,122,937$40,211,968
49$52,435,512$24,753,956$19,707,519$43,717,637
50$57,726,133$25,909,098$20,309,919$47,559,230
51$63,554,576$27,119,022$20,930,679$51,770,184
52$69,975,642$28,386,353$21,570,356$56,387,312
53$77,049,720$29,713,847$22,229,526$61,451,148
54$84,843,356$31,104,390$22,908,779$67,006,325
55$93,429,881$32,561,008$23,608,726$73,101,988
56$102,890,105$34,086,874$24,329,995$79,792,257
57$113,313,080$35,685,314$25,073,233$87,136,732
58$124,796,935$37,359,816$25,839,108$95,201,047
59$137,449,810$39,114,034$26,628,306$104,057,489
60$151,390,872$40,951,803$27,441,535$113,785,669
61$166,751,439$42,877,139$28,279,524$124,473,271
62$183,676,223$44,894,256$29,143,025$136,216,871
63$202,324,693$47,007,570$30,032,812$149,122,844
64$222,872,582$49,221,712$30,949,682$163,308,360
65$245,513,545$51,541,535$31,894,456$178,902,483
66$270,460,987$53,972,131$32,867,981$196,047,379
67$297,950,078$56,518,835$33,871,128$214,899,656
68$328,239,971$59,187,243$34,904,796$235,631,827
69$361,616,251$61,983,221$35,969,910$258,433,937
70$398,393,630$64,912,920$37,067,422$283,515,340
71$438,918,915$67,982,789$38,198,316$311,106,674
72$483,574,288$71,199,588$39,363,603$341,462,021
73$532,780,906$74,570,409$40,564,325$374,861,300
74$587,002,883$78,102,684$41,801,555$411,612,897
75$646,751,670$81,804,208$43,076,399$452,056,566
76$712,590,879$85,683,153$44,389,997$496,566,623
77$785,141,609$89,748,088$45,743,523$545,555,468
78$865,088,308$94,007,999$47,138,186$599,477,465
79$953,185,231$98,472,306$48,575,230$658,833,218
80$1,050,263,564$103,150,889$50,055,940$724,174,286
81$1,157,239,270$108,054,106$51,581,637$796,108,369
82$1,275,121,737$113,192,818$53,153,683$875,305,034
83$1,405,023,303$118,578,415$54,773,480$962,502,022
84$1,548,169,762$124,222,839$56,442,474$1,058,512,188
85$1,705,911,934$130,138,614$58,162,153$1,164,231,168
86$1,879,738,415$136,338,871$59,934,049$1,280,645,805
87$2,071,289,638$142,837,379$61,759,744$1,408,843,457
88$2,282,373,348$149,648,579$63,640,863$1,550,022,233
89$2,514,981,681$156,787,610$65,579,083$1,705,502,290
90$2,771,309,960$164,270,351$67,576,130$1,876,738,269
91$3,053,777,429$172,113,451$69,633,783$2,065,333,011
92$3,365,050,086$180,334,369$71,753,874$2,273,052,658
93$3,708,065,855$188,951,414$73,938,289$2,501,843,309
94$4,086,062,324$197,983,785$76,188,974$2,753,849,359
95$4,502,607,306$207,451,615$78,507,929$3,031,433,725
96$4,961,632,524$217,376,017$80,897,218$3,337,200,117
97$5,467,470,732$227,779,133$83,358,965$3,674,017,595
98$6,024,896,616$238,684,179$85,895,359$4,045,047,623
99$6,639,171,871$250,115,504$88,508,655$4,453,773,879
100$7,316,094,881$262,098,643$91,201,173$4,904,035,116