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%17.4%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$974,531
2 years$515,097$505,504$496,207$487,192$478,448$448,266
3 years$339,987$330,352$321,079$312,149$303,547$274,340
4 years$252,449$242,844$233,663$224,886$216,493$188,484
5 years$199,940$190,393$181,332$172,734$164,574$137,840
6 years$164,946$155,470$146,543$138,137$130,222$104,786
7 years$139,959$130,563$121,778$113,570$105,905$81,767
8 years$121,228$111,917$103,277$95,271$87,859$65,002
9 years$106,667$97,444$88,953$81,150$73,990$52,392
10 years$95,025$85,892$77,551$69,952$63,043$42,673
11 years$85,506$76,465$68,275$60,879$54,219$35,041
12 years$77,579$68,630$60,592$53,399$46,985$28,961
13 years$70,877$62,022$54,135$47,143$40,972$24,059
14 years$65,137$56,376$48,641$41,849$35,916$20,071
15 years$60,167$51,501$43,916$37,322$31,623$16,802
16 years$55,823$47,251$39,816$33,417$27,949$14,104
17 years$51,993$43,516$36,231$30,025$24,781$11,868
18 years$48,593$40,211$33,074$27,059$22,034$10,005
19 years$45,555$37,267$30,278$24,450$19,640$8,448
20 years$42,823$34,630$27,788$22,144$17,542$7,143
21 years$40,355$32,257$25,559$20,097$15,698$6,047
22 years$38,115$30,111$23,557$18,273$14,071$5,124
23 years$36,072$28,162$21,751$16,642$12,631$4,345
24 years$34,202$26,386$20,116$15,178$11,353$3,687
25 years$32,485$24,762$18,631$13,862$10,216$3,130
26 years$30,902$23,272$17,279$12,674$9,202$2,659
27 years$29,439$21,902$16,045$11,601$8,297$2,260
28 years$28,083$20,638$14,916$10,629$7,486$1,921
29 years$26,822$19,470$13,881$9,747$6,760$1,634
30 years$25,648$18,387$12,930$8,945$6,108$1,389
31 years$24,552$17,382$12,054$8,216$5,522$1,182
32 years$23,526$16,447$11,246$7,550$4,995$1,006
33 years$22,565$15,575$10,501$6,943$4,521$856
34 years$21,662$14,762$9,811$6,388$4,093$729
35 years$20,812$14,001$9,173$5,881$3,707$620
36 years$20,012$13,289$8,581$5,416$3,359$528
37 years$19,256$12,622$8,032$4,990$3,044$450
38 years$18,542$11,995$7,521$4,600$2,760$383
39 years$17,867$11,406$7,047$4,241$2,503$326
40 years$17,226$10,852$6,605$3,912$2,270$278
41 years$16,619$10,330$6,193$3,609$2,060$236
42 years$16,042$9,838$5,810$3,331$1,869$201
43 years$15,493$9,374$5,451$3,075$1,696$171
44 years$14,971$8,935$5,117$2,839$1,540$146
45 years$14,473$8,520$4,805$2,622$1,398$124
46 years$13,998$8,128$4,513$2,422$1,269$106
47 years$13,545$7,757$4,240$2,237$1,152$90
48 years$13,112$7,405$3,984$2,068$1,046$77
49 years$12,698$7,071$3,745$1,911$950$65
50 years$12,302$6,755$3,521$1,766$863$56

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 $6,485 every year, while hoping to spend $50,094 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: 70/14/16 Blend
34$12,600,000$12,600,000$12,600,000$12,600,000
35$13,891,889$13,224,089$13,028,789$14,812,174
36$15,255,562$13,818,770$13,411,954$16,019,823
37$16,756,651$14,440,911$13,806,276$17,334,476
38$18,409,119$15,091,805$14,212,076$18,772,028
39$20,228,353$15,772,807$14,629,684$20,344,602
40$22,231,305$16,485,335$15,059,439$22,065,539
41$24,436,658$17,230,877$15,501,690$23,949,529
42$26,864,997$18,010,989$15,956,796$26,012,736
43$29,539,003$18,827,304$16,425,125$28,272,961
44$32,483,673$19,681,533$16,907,058$30,749,798
45$35,726,546$20,575,468$17,402,984$33,464,820
46$39,297,974$21,510,985$17,913,303$36,441,782
47$43,231,398$22,490,054$18,438,429$39,706,837
48$47,563,669$23,514,735$18,978,785$43,288,787
49$52,335,396$24,587,190$19,534,808$47,219,345
50$57,591,326$25,709,683$20,106,944$51,533,438
51$63,380,770$26,884,585$20,695,655$56,269,527
52$69,758,063$28,114,385$21,301,414$61,469,971
53$76,783,083$29,401,687$21,924,709$67,181,423
54$84,521,810$30,749,222$22,566,039$73,455,265
55$93,046,954$32,159,853$23,225,920$80,348,088
56$102,438,635$33,636,578$23,904,880$87,922,229
57$112,785,146$35,182,540$24,603,464$96,246,346
58$124,183,780$36,801,034$25,322,230$105,396,070
59$136,741,754$38,495,513$26,061,753$115,454,707
60$150,577,215$40,269,595$26,822,623$126,514,027
61$165,820,358$42,127,073$27,605,449$138,675,121
62$182,614,657$44,071,921$28,410,853$152,049,350
63$201,118,213$46,108,307$29,239,478$166,759,393
64$221,505,254$48,240,597$30,091,984$182,940,399
65$243,967,772$50,473,368$30,969,047$200,741,255
66$268,717,339$52,811,418$31,871,364$220,325,990
67$295,987,105$55,259,775$32,799,653$241,875,311
68$326,033,996$57,823,710$33,754,647$265,588,307
69$359,141,141$60,508,749$34,737,105$291,684,321
70$395,620,542$63,320,682$35,747,803$320,405,011
71$435,816,022$66,265,581$36,787,539$352,016,627
72$480,106,471$69,349,808$37,857,136$386,812,513
73$528,909,417$72,580,035$38,957,437$425,115,871
74$582,684,975$75,963,254$40,089,308$467,282,804
75$641,940,184$79,506,795$41,253,641$513,705,667
76$707,233,796$83,218,342$42,451,352$564,816,761
77$779,181,552$87,105,949$43,683,380$621,092,408
78$858,461,990$91,178,061$44,950,694$683,057,432
79$945,822,858$95,443,530$46,254,287$751,290,111
80$1,042,088,162$99,911,636$47,595,178$826,427,615
81$1,148,165,956$104,592,108$48,974,418$909,172,020
82$1,265,056,906$109,495,143$50,393,084$1,000,296,916
83$1,393,863,741$114,631,436$51,852,282$1,100,654,702
84$1,535,801,660$120,012,194$53,353,151$1,211,184,618
85$1,692,209,807$125,649,169$54,896,860$1,332,921,599
86$1,864,563,911$131,554,682$56,484,609$1,467,006,030
87$2,054,490,218$137,741,650$58,117,631$1,614,694,500
88$2,263,780,844$144,223,614$59,797,195$1,777,371,645
89$2,494,410,690$151,014,771$61,524,601$1,956,563,206
90$2,748,556,093$158,130,008$63,301,188$2,153,950,417
91$3,028,615,366$165,584,930$65,128,329$2,371,385,855
92$3,337,231,442$173,395,899$67,007,436$2,610,910,916
93$3,677,316,822$181,580,071$68,939,958$2,874,775,065
94$4,052,081,075$190,155,432$70,927,385$3,165,457,051
95$4,465,061,138$199,140,841$72,971,245$3,485,688,290
96$4,920,154,702$208,556,071$75,073,110$3,838,478,626
97$5,421,657,016$218,421,853$77,234,594$4,227,144,725
98$5,974,301,432$228,759,924$79,457,353$4,655,341,363
99$6,583,304,093$239,593,075$81,743,089$5,127,095,902
100$7,254,413,179$250,945,204$84,093,551$5,646,846,288