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

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 $12,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$994,249
2 years$515,097$505,504$496,207$487,192$478,448$467,882
3 years$339,987$330,352$321,079$312,149$303,547$293,235
4 years$252,449$242,844$233,663$224,886$216,493$206,513
5 years$199,940$190,393$181,332$172,734$164,574$154,958
6 years$164,946$155,470$146,543$138,137$130,222$120,980
7 years$139,959$130,563$121,778$113,570$105,905$97,042
8 years$121,228$111,917$103,277$95,271$87,859$79,373
9 years$106,667$97,444$88,953$81,150$73,990$65,879
10 years$95,025$85,892$77,551$69,952$63,043$55,302
11 years$85,506$76,465$68,275$60,879$54,219$46,841
12 years$77,579$68,630$60,592$53,399$46,985$39,963
13 years$70,877$62,022$54,135$47,143$40,972$34,297
14 years$65,137$56,376$48,641$41,849$35,916$29,580
15 years$60,167$51,501$43,916$37,322$31,623$25,616
16 years$55,823$47,251$39,816$33,417$27,949$22,260
17 years$51,993$43,516$36,231$30,025$24,781$19,400
18 years$48,593$40,211$33,074$27,059$22,034$16,951
19 years$45,555$37,267$30,278$24,450$19,640$14,842
20 years$42,823$34,630$27,788$22,144$17,542$13,020
21 years$40,355$32,257$25,559$20,097$15,698$11,441
22 years$38,115$30,111$23,557$18,273$14,071$10,066
23 years$36,072$28,162$21,751$16,642$12,631$8,868
24 years$34,202$26,386$20,116$15,178$11,353$7,821
25 years$32,485$24,762$18,631$13,862$10,216$6,904
26 years$30,902$23,272$17,279$12,674$9,202$6,099
27 years$29,439$21,902$16,045$11,601$8,297$5,392
28 years$28,083$20,638$14,916$10,629$7,486$4,770
29 years$26,822$19,470$13,881$9,747$6,760$4,222
30 years$25,648$18,387$12,930$8,945$6,108$3,739
31 years$24,552$17,382$12,054$8,216$5,522$3,312
32 years$23,526$16,447$11,246$7,550$4,995$2,935
33 years$22,565$15,575$10,501$6,943$4,521$2,602
34 years$21,662$14,762$9,811$6,388$4,093$2,308
35 years$20,812$14,001$9,173$5,881$3,707$2,047
36 years$20,012$13,289$8,581$5,416$3,359$1,816
37 years$19,256$12,622$8,032$4,990$3,044$1,612
38 years$18,542$11,995$7,521$4,600$2,760$1,431
39 years$17,867$11,406$7,047$4,241$2,503$1,270
40 years$17,226$10,852$6,605$3,912$2,270$1,128
41 years$16,619$10,330$6,193$3,609$2,060$1,001
42 years$16,042$9,838$5,810$3,331$1,869$889
43 years$15,493$9,374$5,451$3,075$1,696$790
44 years$14,971$8,935$5,117$2,839$1,540$702
45 years$14,473$8,520$4,805$2,622$1,398$623
46 years$13,998$8,128$4,513$2,422$1,269$554
47 years$13,545$7,757$4,240$2,237$1,152$492
48 years$13,112$7,405$3,984$2,068$1,046$437
49 years$12,698$7,071$3,745$1,911$950$388
50 years$12,302$6,755$3,521$1,766$863$345

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 $5,603 every year, while hoping to spend $55,033 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: 70/19/11 Blend
34$12,600,000$12,600,000$12,600,000$12,600,000
35$13,890,979$13,223,179$13,027,879$14,831,600
36$15,249,305$13,812,561$13,405,759$16,045,271
37$16,744,335$14,428,977$13,794,453$17,365,739
38$18,389,955$15,073,695$14,194,265$18,809,282
39$20,201,466$15,748,042$14,605,509$20,388,004
40$22,195,727$16,453,407$15,028,505$22,115,223
41$24,391,315$17,191,248$15,463,583$24,005,596
42$26,808,698$17,963,088$15,911,082$26,075,257
43$29,470,433$18,770,527$16,371,351$28,341,963
44$32,401,374$19,615,239$16,844,748$30,825,261
45$35,628,906$20,498,978$17,331,639$33,546,670
46$39,183,208$21,423,582$17,832,403$36,529,876
47$43,097,534$22,390,976$18,347,427$39,800,961
48$47,408,527$23,403,178$18,877,110$43,388,639
49$52,156,565$24,462,302$19,421,861$47,324,526
50$57,386,142$25,570,563$19,982,102$51,643,433
51$63,146,289$26,730,281$20,558,262$56,383,695
52$69,491,034$27,943,888$21,150,788$61,587,524
53$76,479,914$29,213,933$21,760,133$67,301,407
54$84,178,534$30,543,084$22,386,766$73,576,539
55$92,659,189$31,934,141$23,031,168$80,469,299
56$102,001,547$33,390,034$23,693,833$88,041,783
57$112,293,396$34,913,836$24,375,267$96,362,383
58$123,631,475$36,508,767$25,075,992$105,506,423
59$136,122,389$38,178,201$25,796,541$115,556,873
60$149,883,613$39,925,672$26,537,465$126,605,119
61$165,044,598$41,754,887$27,299,327$138,751,824
62$181,747,999$43,669,729$28,082,706$152,107,871
63$200,151,016$45,674,266$28,888,198$166,795,403
64$220,426,879$47,772,765$29,716,412$182,948,971
65$242,766,485$49,969,694$30,567,976$200,716,794
66$267,380,196$52,269,740$31,443,533$220,262,153
67$294,499,830$54,677,810$32,343,745$241,764,926
68$324,380,841$57,199,052$33,269,289$265,423,275
69$357,304,740$59,838,858$34,220,863$291,455,510
70$393,581,744$62,602,883$35,199,183$320,102,142
71$433,553,708$65,497,049$36,204,981$351,628,142
72$477,597,350$68,527,569$37,239,012$386,325,436
73$526,127,811$71,700,951$38,302,050$424,515,647
74$579,602,568$75,024,018$39,394,889$466,553,125
75$638,525,756$78,503,922$40,518,344$512,828,277
76$703,452,927$82,148,158$41,673,253$563,771,247
77$774,996,292$85,964,584$42,860,473$619,855,958
78$853,830,502$89,961,437$44,080,887$681,604,579
79$940,699,016$94,147,350$45,335,400$749,592,437
80$1,036,421,120$98,531,373$46,624,939$824,453,439
81$1,141,899,658$103,122,995$47,950,458$906,886,040
82$1,258,129,560$107,932,158$49,312,936$997,659,823
83$1,386,207,230$112,969,289$50,713,374$1,097,622,745
84$1,527,340,899$118,245,316$52,152,803$1,207,709,132
85$1,682,862,028$123,771,694$53,632,280$1,328,948,478
86$1,854,237,883$129,560,435$55,152,889$1,462,475,148
87$2,043,085,378$135,624,127$56,715,742$1,609,539,067
88$2,251,186,347$141,975,970$58,321,981$1,771,517,503
89$2,480,504,363$148,629,801$59,972,775$1,949,928,047
90$2,733,203,272$155,600,125$61,669,327$2,146,442,919
91$3,011,667,624$162,902,150$63,412,868$2,362,904,732
92$3,318,525,186$170,551,819$65,204,663$2,601,343,868
93$3,656,671,744$178,565,848$67,046,009$2,863,997,617
94$4,029,298,446$186,961,758$68,938,234$3,153,331,273
95$4,439,921,927$195,757,924$70,882,704$3,472,061,387
96$4,892,417,506$204,973,605$72,880,818$3,823,181,380
97$5,391,055,776$214,628,996$74,934,009$4,209,989,776
98$5,940,542,918$224,745,269$77,043,751$4,636,121,310
99$6,546,065,131$235,344,623$79,211,552$5,105,581,213
100$7,213,337,595$246,450,330$81,438,960$5,622,782,991