Can I retire at age 35 with 12,700,000?

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 $12,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$1,048,754$1,039,412$1,030,298$1,021,402$1,012,716$1,005,912
2 years$519,185$509,516$500,145$491,059$482,246$475,384
3 years$342,685$332,974$323,627$314,626$305,956$299,249
4 years$254,453$244,771$235,517$226,670$218,211$211,709
5 years$201,527$191,904$182,771$174,105$165,880$159,604
6 years$166,255$156,704$147,706$139,233$131,255$125,212
7 years$141,070$131,600$122,745$114,471$106,746$100,939
8 years$122,190$112,805$104,097$96,027$88,556$82,985
9 years$107,513$98,217$89,659$81,794$74,577$69,241
10 years$95,779$86,574$78,167$70,507$63,543$58,440
11 years$86,184$77,071$68,817$61,362$54,649$49,774
12 years$78,195$69,175$61,073$53,823$47,358$42,707
13 years$71,439$62,514$54,565$47,517$41,297$36,865
14 years$65,654$56,824$49,027$42,181$36,201$31,983
15 years$60,645$51,909$44,264$37,618$31,874$27,865
16 years$56,266$47,626$40,132$33,683$28,170$24,364
17 years$52,406$43,862$36,519$30,264$24,978$21,368
18 years$48,979$40,530$33,337$27,274$22,209$18,789
19 years$45,916$37,563$30,518$24,644$19,795$16,559
20 years$43,163$34,905$28,008$22,320$17,682$14,622
21 years$40,676$32,513$25,762$20,257$15,823$12,934
22 years$38,417$30,350$23,744$18,418$14,183$11,457
23 years$36,358$28,385$21,923$16,774$12,732$10,163
24 years$34,474$26,595$20,275$15,299$11,443$9,025
25 years$32,743$24,958$18,779$13,972$10,297$8,022
26 years$31,147$23,457$17,417$12,775$9,276$7,137
27 years$29,672$22,076$16,173$11,693$8,363$6,355
28 years$28,306$20,802$15,035$10,713$7,546$5,662
29 years$27,035$19,624$13,991$9,824$6,814$5,048
30 years$25,852$18,533$13,032$9,016$6,157$4,503
31 years$24,747$17,520$12,150$8,281$5,566$4,019
32 years$23,713$16,577$11,336$7,610$5,035$3,589
33 years$22,744$15,699$10,584$6,998$4,557$3,205
34 years$21,834$14,879$9,889$6,439$4,126$2,864
35 years$20,977$14,112$9,246$5,927$3,737$2,560
36 years$20,171$13,395$8,649$5,459$3,386$2,288
37 years$19,409$12,722$8,095$5,030$3,068$2,046
38 years$18,689$12,090$7,581$4,636$2,782$1,830
39 years$18,008$11,497$7,103$4,275$2,523$1,637
40 years$17,363$10,938$6,657$3,943$2,288$1,465
41 years$16,751$10,412$6,242$3,638$2,076$1,311
42 years$16,169$9,916$5,856$3,357$1,884$1,173
43 years$15,616$9,448$5,495$3,099$1,710$1,050
44 years$15,089$9,006$5,158$2,861$1,552$940
45 years$14,588$8,588$4,843$2,643$1,409$842
46 years$14,109$8,193$4,549$2,441$1,279$754
47 years$13,653$7,818$4,273$2,255$1,161$675
48 years$13,216$7,464$4,016$2,084$1,055$604
49 years$12,799$7,127$3,775$1,926$958$541
50 years$12,400$6,808$3,549$1,780$870$485

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,700,000, adding $4,207 every year, while hoping to spend $33,937 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: 35/39/26 Blend
34$12,700,000$12,700,000$12,700,000$12,700,000
35$13,999,740$13,326,640$13,129,790$14,379,591
36$15,391,604$13,943,536$13,533,529$15,279,870
37$16,924,302$14,589,523$13,949,656$16,247,201
38$18,612,161$15,265,991$14,378,550$17,290,281
39$20,470,972$15,974,394$14,820,602$18,415,900
40$22,518,133$16,716,262$15,276,214$19,631,502
41$24,772,817$17,493,193$15,745,802$20,945,249
42$27,256,151$18,306,866$16,229,792$22,366,089
43$29,991,414$19,159,038$16,728,626$23,903,842
44$33,004,262$20,051,554$17,242,758$25,569,276
45$36,322,961$20,986,346$17,772,656$27,374,213
46$39,978,665$21,965,438$18,318,801$29,331,624
47$44,005,699$22,990,955$18,881,692$31,455,753
48$48,441,891$24,065,123$19,461,839$33,762,238
49$53,328,925$25,190,274$20,059,771$36,268,253
50$58,712,733$26,368,856$20,676,032$38,992,661
51$64,643,934$27,603,432$21,311,181$41,956,185
52$71,178,307$28,896,691$21,965,797$45,181,595
53$78,377,317$30,251,452$22,640,474$48,693,910
54$86,308,699$31,670,669$23,335,826$52,520,631
55$95,047,095$33,157,440$24,052,484$56,691,982
56$104,674,756$34,715,012$24,791,100$61,241,193
57$115,282,324$36,346,790$25,552,344$66,204,797
58$126,969,682$38,056,344$26,336,909$71,622,966
59$139,846,900$39,847,416$27,145,506$77,539,875
60$154,035,273$41,723,928$27,978,870$84,004,112
61$169,668,466$43,689,996$28,837,757$91,069,116
62$186,893,775$45,749,931$29,722,947$98,793,674
63$205,873,518$47,908,256$30,635,244$107,242,458
64$226,786,567$50,169,710$31,575,475$116,486,621
65$249,830,037$52,539,266$32,544,493$126,604,453
66$275,221,144$55,022,133$33,543,177$137,682,103
67$303,199,260$57,623,777$34,572,433$149,814,376
68$334,028,169$60,349,927$35,633,194$163,105,607
69$367,998,559$63,206,590$36,726,422$177,670,632
70$405,430,762$66,200,063$37,853,108$193,635,846
71$446,677,786$69,336,952$39,014,273$211,140,379
72$492,128,638$72,624,181$40,210,969$230,337,389
73$542,212,004$76,069,010$41,444,281$251,395,481
74$597,400,289$79,679,053$42,715,325$274,500,277
75$658,214,083$83,462,291$44,025,253$299,856,144
76$725,227,072$87,427,095$45,375,252$327,688,095
77$799,071,452$91,582,242$46,766,542$358,243,888
78$880,443,903$95,936,935$48,200,384$391,796,336
79$970,112,160$100,500,823$49,678,075$428,645,851
80$1,068,922,263$105,284,026$51,200,953$469,123,250
81$1,177,806,544$110,297,153$52,770,395$513,592,846
82$1,297,792,429$115,551,332$54,387,821$562,455,849
83$1,430,012,137$121,058,228$56,054,694$616,154,123
84$1,575,713,370$126,830,075$57,772,520$675,174,316
85$1,736,271,088$132,879,703$59,542,854$740,052,418
86$1,913,200,494$139,220,564$61,367,295$811,378,775
87$2,108,171,337$145,866,764$63,247,492$889,803,625
88$2,323,023,674$152,833,097$65,185,144$976,043,185
89$2,559,785,244$160,135,074$67,182,001$1,070,886,373
90$2,820,690,608$167,788,962$69,239,868$1,175,202,197
91$3,108,202,249$175,811,819$71,360,602$1,289,947,916
92$3,425,033,815$184,221,535$73,546,118$1,416,178,017
93$3,774,175,740$193,036,867$75,798,390$1,555,054,117
94$4,158,923,480$202,277,487$78,119,450$1,707,855,865
95$4,582,908,615$211,964,024$80,511,392$1,875,992,967
96$5,050,133,146$222,118,113$82,976,375$2,061,018,424
97$5,565,007,266$232,762,440$85,516,623$2,264,643,126
98$6,132,391,002$243,920,795$88,134,426$2,488,751,937
99$6,757,640,100$255,618,129$90,832,144$2,735,421,409
100$7,446,656,579$267,880,607$93,612,210$3,006,939,309