Can I retire at age 35 with 12,600,000?

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 $12,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$981,649
2 years$515,097$505,504$496,207$487,192$478,448$455,310
3 years$339,987$330,352$321,079$312,149$303,547$281,087
4 years$252,449$242,844$233,663$224,886$216,493$194,882
5 years$199,940$190,393$181,332$172,734$164,574$143,875
6 years$164,946$155,470$146,543$138,137$130,222$110,455
7 years$139,959$130,563$121,778$113,570$105,905$87,074
8 years$121,228$111,917$103,277$95,271$87,859$69,956
9 years$106,667$97,444$88,953$81,150$73,990$57,001
10 years$95,025$85,892$77,551$69,952$63,043$46,951
11 years$85,506$76,465$68,275$60,879$54,219$39,001
12 years$77,579$68,630$60,592$53,399$46,985$32,617
13 years$70,877$62,022$54,135$47,143$40,972$27,427
14 years$65,137$56,376$48,641$41,849$35,916$23,166
15 years$60,167$51,501$43,916$37,322$31,623$19,639
16 years$55,823$47,251$39,816$33,417$27,949$16,700
17 years$51,993$43,516$36,231$30,025$24,781$14,237
18 years$48,593$40,211$33,074$27,059$22,034$12,163
19 years$45,555$37,267$30,278$24,450$19,640$10,410
20 years$42,823$34,630$27,788$22,144$17,542$8,923
21 years$40,355$32,257$25,559$20,097$15,698$7,659
22 years$38,115$30,111$23,557$18,273$14,071$6,581
23 years$36,072$28,162$21,751$16,642$12,631$5,660
24 years$34,202$26,386$20,116$15,178$11,353$4,872
25 years$32,485$24,762$18,631$13,862$10,216$4,196
26 years$30,902$23,272$17,279$12,674$9,202$3,617
27 years$29,439$21,902$16,045$11,601$8,297$3,119
28 years$28,083$20,638$14,916$10,629$7,486$2,690
29 years$26,822$19,470$13,881$9,747$6,760$2,322
30 years$25,648$18,387$12,930$8,945$6,108$2,004
31 years$24,552$17,382$12,054$8,216$5,522$1,731
32 years$23,526$16,447$11,246$7,550$4,995$1,495
33 years$22,565$15,575$10,501$6,943$4,521$1,292
34 years$21,662$14,762$9,811$6,388$4,093$1,116
35 years$20,812$14,001$9,173$5,881$3,707$964
36 years$20,012$13,289$8,581$5,416$3,359$834
37 years$19,256$12,622$8,032$4,990$3,044$721
38 years$18,542$11,995$7,521$4,600$2,760$623
39 years$17,867$11,406$7,047$4,241$2,503$539
40 years$17,226$10,852$6,605$3,912$2,270$466
41 years$16,619$10,330$6,193$3,609$2,060$403
42 years$16,042$9,838$5,810$3,331$1,869$348
43 years$15,493$9,374$5,451$3,075$1,696$301
44 years$14,971$8,935$5,117$2,839$1,540$260
45 years$14,473$8,520$4,805$2,622$1,398$225
46 years$13,998$8,128$4,513$2,422$1,269$195
47 years$13,545$7,757$4,240$2,237$1,152$168
48 years$13,112$7,405$3,984$2,068$1,046$146
49 years$12,698$7,071$3,745$1,911$950$126
50 years$12,302$6,755$3,521$1,766$863$109

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,600,000, adding $4,693 every year, while hoping to spend $53,902 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: 34/50/16 Blend
34$12,600,000$12,600,000$12,600,000$12,600,000
35$13,890,041$13,222,241$13,026,941$14,293,208
36$15,249,474$13,812,779$13,405,992$15,178,992
37$16,745,762$14,430,448$13,795,935$16,128,186
38$18,392,809$15,076,518$14,197,077$17,150,618
39$20,205,931$15,752,324$14,609,736$18,252,781
40$22,202,010$16,459,262$15,034,236$19,441,784
41$24,399,644$17,198,794$15,470,911$20,725,418
42$26,819,326$17,972,454$15,920,106$22,112,225
43$29,483,641$18,781,847$16,382,172$23,611,564
44$32,417,470$19,628,656$16,857,473$25,233,704
45$35,648,235$20,514,643$17,346,382$26,989,902
46$39,206,150$21,441,656$17,849,280$28,892,513
47$43,124,509$22,411,628$18,366,563$30,955,091
48$47,439,999$23,426,588$18,898,633$33,192,513
49$52,193,048$24,488,660$19,445,906$35,621,108
50$57,428,205$25,600,070$20,008,809$38,258,807
51$63,194,558$26,763,150$20,587,781$41,125,299
52$69,546,203$27,980,344$21,183,272$44,242,207
53$76,542,748$29,254,214$21,795,744$47,633,287
54$84,249,880$30,587,442$22,425,673$51,324,637
55$92,739,983$31,982,841$23,073,548$55,344,932
56$102,092,819$33,443,359$23,739,870$59,725,687
57$112,396,286$34,972,082$24,425,155$64,501,540
58$123,747,241$36,572,248$25,129,931$69,710,569
59$136,252,419$38,247,248$25,854,743$75,394,632
60$150,029,439$40,000,636$26,600,150$81,599,756
61$165,207,911$41,836,137$27,366,725$88,376,553
62$181,930,665$43,757,655$28,155,058$95,780,682
63$200,355,094$45,769,281$28,965,753$103,873,363
64$220,654,641$47,875,303$29,799,433$112,721,932
65$243,020,437$50,080,215$30,656,736$122,400,467
66$267,663,102$52,388,727$31,538,318$132,990,460
67$294,814,739$54,805,775$32,444,852$144,581,577
68$324,731,119$57,336,534$33,377,031$157,272,479
69$357,694,094$59,986,425$34,335,563$171,171,733
70$394,014,266$62,761,135$35,321,179$186,398,816
71$434,033,910$65,666,619$36,334,627$203,085,221
72$478,130,209$68,709,123$37,376,677$221,375,674
73$526,718,812$71,895,192$38,448,117$241,429,475
74$580,257,762$75,231,688$39,549,760$263,421,975
75$639,251,814$78,725,800$40,682,437$287,546,207
76$704,257,204$82,385,069$41,847,004$314,014,676
77$775,886,897$86,217,396$43,044,336$343,061,339
78$854,816,375$90,231,064$44,275,337$374,943,779
79$941,790,015$94,434,755$45,540,930$409,945,606
80$1,037,628,110$98,837,572$46,842,065$448,379,099
81$1,143,234,620$103,449,055$48,179,717$490,588,120
82$1,259,605,700$108,279,207$49,554,886$536,951,319
83$1,387,839,106$113,338,513$50,968,599$587,885,675
84$1,529,144,558$118,637,964$52,421,911$643,850,384
85$1,684,855,162$124,189,083$53,915,903$705,351,158
86$1,856,439,989$130,003,949$55,451,687$772,944,949
87$2,045,517,952$136,095,226$57,030,402$847,245,161
88$2,253,873,080$142,476,190$58,653,218$928,927,392
89$2,483,471,370$149,160,758$60,321,336$1,018,735,760
90$2,736,479,336$156,163,522$62,035,988$1,117,489,873
91$3,015,284,473$163,499,779$63,798,438$1,226,092,509
92$3,322,517,787$171,185,566$65,609,984$1,345,538,082
93$3,661,078,640$179,237,698$67,471,956$1,476,921,963
94$4,034,162,117$187,673,800$69,385,723$1,621,450,759
95$4,445,289,192$196,512,356$71,352,684$1,780,453,636
96$4,898,339,969$205,772,741$73,374,278$1,955,394,790
97$5,397,590,311$215,475,270$75,451,981$2,147,887,203
98$5,947,752,207$225,641,243$77,587,307$2,359,707,786
99$6,554,018,258$236,292,990$79,781,808$2,592,814,072
100$7,222,110,700$247,453,925$82,037,078$2,849,362,612