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%13.4%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$990,545
2 years$515,097$505,504$496,207$487,192$478,448$464,173
3 years$339,987$330,352$321,079$312,149$303,547$289,637
4 years$252,449$242,844$233,663$224,886$216,493$203,054
5 years$199,940$190,393$181,332$172,734$164,574$151,647
6 years$164,946$155,470$146,543$138,137$130,222$117,821
7 years$139,959$130,563$121,778$113,570$105,905$94,035
8 years$121,228$111,917$103,277$95,271$87,859$76,518
9 years$106,667$97,444$88,953$81,150$73,990$63,173
10 years$95,025$85,892$77,551$69,952$63,043$52,742
11 years$85,506$76,465$68,275$60,879$54,219$44,424
12 years$77,579$68,630$60,592$53,399$46,985$37,684
13 years$70,877$62,022$54,135$47,143$40,972$32,152
14 years$65,137$56,376$48,641$41,849$35,916$27,564
15 years$60,167$51,501$43,916$37,322$31,623$23,725
16 years$55,823$47,251$39,816$33,417$27,949$20,489
17 years$51,993$43,516$36,231$30,025$24,781$17,744
18 years$48,593$40,211$33,074$27,059$22,034$15,404
19 years$45,555$37,267$30,278$24,450$19,640$13,400
20 years$42,823$34,630$27,788$22,144$17,542$11,677
21 years$40,355$32,257$25,559$20,097$15,698$10,191
22 years$38,115$30,111$23,557$18,273$14,071$8,906
23 years$36,072$28,162$21,751$16,642$12,631$7,792
24 years$34,202$26,386$20,116$15,178$11,353$6,824
25 years$32,485$24,762$18,631$13,862$10,216$5,981
26 years$30,902$23,272$17,279$12,674$9,202$5,247
27 years$29,439$21,902$16,045$11,601$8,297$4,605
28 years$28,083$20,638$14,916$10,629$7,486$4,044
29 years$26,822$19,470$13,881$9,747$6,760$3,554
30 years$25,648$18,387$12,930$8,945$6,108$3,124
31 years$24,552$17,382$12,054$8,216$5,522$2,747
32 years$23,526$16,447$11,246$7,550$4,995$2,417
33 years$22,565$15,575$10,501$6,943$4,521$2,126
34 years$21,662$14,762$9,811$6,388$4,093$1,872
35 years$20,812$14,001$9,173$5,881$3,707$1,648
36 years$20,012$13,289$8,581$5,416$3,359$1,451
37 years$19,256$12,622$8,032$4,990$3,044$1,278
38 years$18,542$11,995$7,521$4,600$2,760$1,126
39 years$17,867$11,406$7,047$4,241$2,503$992
40 years$17,226$10,852$6,605$3,912$2,270$874
41 years$16,619$10,330$6,193$3,609$2,060$770
42 years$16,042$9,838$5,810$3,331$1,869$678
43 years$15,493$9,374$5,451$3,075$1,696$598
44 years$14,971$8,935$5,117$2,839$1,540$527
45 years$14,473$8,520$4,805$2,622$1,398$464
46 years$13,998$8,128$4,513$2,422$1,269$409
47 years$13,545$7,757$4,240$2,237$1,152$361
48 years$13,112$7,405$3,984$2,068$1,046$318
49 years$12,698$7,071$3,745$1,911$950$280
50 years$12,302$6,755$3,521$1,766$863$247

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 $3,165 every year, while hoping to spend $29,375 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: 68/21/11 Blend
34$12,600,000$12,600,000$12,600,000$12,600,000
35$13,888,465$13,220,665$13,025,365$14,800,357
36$15,273,833$13,837,222$13,430,460$16,023,248
37$16,799,525$14,483,007$13,848,141$17,356,366
38$18,479,822$15,159,420$14,278,799$18,813,564
39$20,330,461$15,867,929$14,722,836$20,407,005
40$22,368,785$16,610,074$15,180,668$22,150,069
41$24,613,904$17,387,471$15,652,723$24,057,482
42$27,086,875$18,201,810$16,139,442$26,145,447
43$29,810,903$19,054,865$16,641,280$28,431,795
44$32,811,559$19,948,497$17,158,707$30,936,150
45$36,117,020$20,884,656$17,692,206$33,680,113
46$39,758,337$21,865,384$18,242,275$36,687,458
47$43,769,725$22,892,826$18,809,429$39,984,355
48$48,188,890$23,969,228$19,394,198$43,599,616
49$53,057,382$25,096,945$19,997,129$47,564,957
50$58,420,986$26,278,446$20,618,784$51,915,296
51$64,330,158$27,516,322$21,259,745$56,689,079
52$70,840,498$28,813,285$21,920,610$61,928,637
53$78,013,275$30,172,183$22,601,997$67,680,579
54$85,916,008$31,595,998$23,304,542$73,996,231
55$94,623,099$33,087,860$24,028,903$80,932,111
56$104,216,538$34,651,049$24,775,754$88,550,460
57$114,786,678$36,289,003$25,545,795$96,919,819
58$126,433,083$38,005,328$26,339,743$106,115,676
59$139,265,474$39,803,806$27,158,341$116,221,168
60$153,404,760$41,688,399$28,002,353$127,327,859
61$168,984,180$43,663,266$28,872,566$139,536,599
62$186,150,564$45,732,763$29,769,794$152,958,470
63$205,065,713$47,901,460$30,694,874$167,715,820
64$225,907,933$50,174,149$31,648,670$183,943,418
65$248,873,714$52,555,854$32,632,071$201,789,715
66$274,179,584$55,051,842$33,645,997$221,418,232
67$302,064,156$57,667,637$34,691,393$243,009,103
68$332,790,380$60,409,031$35,769,234$266,760,756
69$366,648,022$63,282,097$36,880,527$292,891,786
70$403,956,404$66,293,203$38,026,309$321,642,998
71$445,067,415$69,449,028$39,207,648$353,279,678
72$490,368,835$72,756,573$40,425,647$388,094,080
73$540,287,992$76,223,181$41,681,442$426,408,174
74$595,295,801$79,856,552$42,976,205$468,576,675
75$655,911,208$83,664,758$44,311,142$514,990,375
76$722,706,086$87,656,266$45,687,500$566,079,820
77$796,310,637$91,839,953$47,106,563$622,319,361
78$877,419,342$96,225,131$48,569,652$684,231,615
79$966,797,512$100,821,560$50,078,133$752,392,381
80$1,065,288,520$105,639,478$51,633,412$827,436,065
81$1,173,821,757$110,689,620$53,236,939$910,061,646
82$1,293,421,409$115,983,245$54,890,210$1,001,039,257
83$1,425,216,126$121,532,156$56,594,764$1,101,217,440
84$1,570,449,674$127,348,735$58,352,192$1,211,531,131
85$1,730,492,681$133,445,964$60,164,131$1,333,010,471
86$1,906,855,575$139,837,457$62,032,270$1,466,790,506
87$2,101,202,843$146,537,491$63,958,350$1,614,121,878
88$2,315,368,743$153,561,038$65,944,166$1,776,382,611
89$2,551,374,627$160,923,801$67,991,567$1,955,091,094
90$2,811,448,016$168,642,245$70,102,462$2,151,920,386
91$3,098,043,637$176,733,637$72,278,817$2,368,713,990
92$3,413,866,590$185,216,088$74,522,659$2,607,503,220
93$3,761,897,893$194,108,587$76,836,079$2,870,526,353
94$4,145,422,621$203,431,051$79,221,231$3,160,249,726
95$4,568,060,923$213,204,367$81,680,337$3,479,390,987
96$5,033,802,195$223,450,439$84,215,687$3,830,944,716
97$5,547,042,748$234,192,239$86,829,641$4,218,210,663
98$6,112,627,308$245,453,859$89,524,633$4,644,824,855
99$6,735,894,758$257,260,562$92,303,173$5,114,793,890
100$7,422,728,541$269,638,848$95,167,847$5,632,532,715