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%11.2%
1 years$1,048,754$1,039,412$1,030,298$1,021,402$1,012,716$1,007,601
2 years$519,185$509,516$500,145$491,059$482,246$477,084
3 years$342,685$332,974$323,627$314,626$305,956$300,907
4 years$254,453$244,771$235,517$226,670$218,211$213,313
5 years$201,527$191,904$182,771$174,105$165,880$161,149
6 years$166,255$156,704$147,706$139,233$131,255$126,696
7 years$141,070$131,600$122,745$114,471$106,746$102,361
8 years$122,190$112,805$104,097$96,027$88,556$84,345
9 years$107,513$98,217$89,659$81,794$74,577$70,540
10 years$95,779$86,574$78,167$70,507$63,543$59,678
11 years$86,184$77,071$68,817$61,362$54,649$50,953
12 years$78,195$69,175$61,073$53,823$47,358$43,828
13 years$71,439$62,514$54,565$47,517$41,297$37,930
14 years$65,654$56,824$49,027$42,181$36,201$32,993
15 years$60,645$51,909$44,264$37,618$31,874$28,821
16 years$56,266$47,626$40,132$33,683$28,170$25,268
17 years$52,406$43,862$36,519$30,264$24,978$22,222
18 years$48,979$40,530$33,337$27,274$22,209$19,595
19 years$45,916$37,563$30,518$24,644$19,795$17,319
20 years$43,163$34,905$28,008$22,320$17,682$15,337
21 years$40,676$32,513$25,762$20,257$15,823$13,606
22 years$38,417$30,350$23,744$18,418$14,183$12,089
23 years$36,358$28,385$21,923$16,774$12,732$10,756
24 years$34,474$26,595$20,275$15,299$11,443$9,580
25 years$32,743$24,958$18,779$13,972$10,297$8,542
26 years$31,147$23,457$17,417$12,775$9,276$7,624
27 years$29,672$22,076$16,173$11,693$8,363$6,810
28 years$28,306$20,802$15,035$10,713$7,546$6,087
29 years$27,035$19,624$13,991$9,824$6,814$5,444
30 years$25,852$18,533$13,032$9,016$6,157$4,872
31 years$24,747$17,520$12,150$8,281$5,566$4,362
32 years$23,713$16,577$11,336$7,610$5,035$3,908
33 years$22,744$15,699$10,584$6,998$4,557$3,502
34 years$21,834$14,879$9,889$6,439$4,126$3,140
35 years$20,977$14,112$9,246$5,927$3,737$2,815
36 years$20,171$13,395$8,649$5,459$3,386$2,525
37 years$19,409$12,722$8,095$5,030$3,068$2,266
38 years$18,689$12,090$7,581$4,636$2,782$2,034
39 years$18,008$11,497$7,103$4,275$2,523$1,826
40 years$17,363$10,938$6,657$3,943$2,288$1,639
41 years$16,751$10,412$6,242$3,638$2,076$1,472
42 years$16,169$9,916$5,856$3,357$1,884$1,322
43 years$15,616$9,448$5,495$3,099$1,710$1,187
44 years$15,089$9,006$5,158$2,861$1,552$1,067
45 years$14,588$8,588$4,843$2,643$1,409$958
46 years$14,109$8,193$4,549$2,441$1,279$861
47 years$13,653$7,818$4,273$2,255$1,161$774
48 years$13,216$7,464$4,016$2,084$1,055$695
49 years$12,799$7,127$3,775$1,926$958$625
50 years$12,400$6,808$3,549$1,780$870$562

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 $5,863 every year, while hoping to spend $45,402 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: 73/8/19 Blend
34$12,700,000$12,700,000$12,700,000$12,700,000
35$14,001,448$13,328,348$13,131,498$14,960,174
36$15,381,288$13,933,129$13,523,095$16,202,456
37$16,900,350$14,566,024$13,926,290$17,556,895
38$18,572,787$15,228,360$14,341,422$19,039,538
39$20,414,194$15,921,532$14,768,842$20,663,114
40$22,441,754$16,646,999$15,208,910$22,441,642
41$24,674,402$17,406,292$15,661,999$24,390,555
42$27,133,004$18,201,013$16,128,488$26,526,847
43$29,840,550$19,032,842$16,608,772$28,869,233
44$32,822,375$19,903,540$17,103,255$31,438,320
45$36,106,396$20,814,953$17,612,353$34,256,804
46$39,723,376$21,769,013$18,136,494$37,349,678
47$43,707,213$22,767,747$18,676,119$40,744,468
48$48,095,260$23,813,278$19,231,681$44,471,492
49$52,928,681$24,907,833$19,803,646$48,564,142
50$58,252,833$26,053,743$20,392,495$53,059,197
51$64,117,700$27,253,455$20,998,722$57,997,168
52$70,578,360$28,509,529$21,622,833$63,422,679
53$77,695,508$29,824,651$22,265,354$69,384,885
54$85,536,027$31,201,636$22,926,820$75,937,933
55$94,173,620$32,643,434$23,607,787$83,141,470
56$103,689,504$34,153,137$24,308,822$91,061,204
57$114,173,179$35,733,986$25,030,513$99,769,520
58$125,723,270$37,389,378$25,773,462$109,346,164
59$138,448,460$39,122,874$26,538,289$119,878,985
60$152,468,513$40,938,205$27,325,633$131,464,770
61$167,915,409$42,839,285$28,136,149$144,210,147
62$184,934,584$44,830,213$28,970,513$158,232,591
63$203,686,307$46,915,289$29,829,421$173,661,530
64$224,347,190$49,099,018$30,713,586$190,639,559
65$247,111,857$51,386,123$31,623,745$209,323,788
66$272,194,779$53,781,556$32,560,653$229,887,313
67$299,832,301$56,290,507$33,525,089$252,520,854
68$330,284,871$58,918,416$34,517,854$277,434,543
69$363,839,497$61,670,988$35,539,772$304,859,911
70$400,812,460$64,554,202$36,591,689$335,052,059
71$441,552,298$67,574,324$37,674,478$368,292,069
72$486,443,094$70,737,928$38,789,034$404,889,650
73$535,908,103$74,051,900$39,936,281$445,186,053
74$590,413,750$77,523,463$41,117,166$489,557,290
75$650,474,028$81,160,188$42,332,666$538,417,676
76$716,655,353$84,970,012$43,583,785$592,223,733
77$789,581,912$88,961,255$44,871,555$651,478,497
78$869,941,553$93,142,643$46,197,038$716,736,254
79$958,492,280$97,523,321$47,561,327$788,607,772
80$1,056,069,407$102,112,877$48,965,546$867,766,051
81$1,163,593,444$106,921,366$50,410,849$954,952,678
82$1,282,078,789$111,959,327$51,898,426$1,050,984,813
83$1,412,643,302$117,237,810$53,429,500$1,156,762,898
84$1,556,518,858$122,768,402$55,005,328$1,273,279,147
85$1,715,062,978$128,563,251$56,627,203$1,401,626,904
86$1,889,771,643$134,635,091$58,296,455$1,543,010,958
87$2,082,293,417$140,997,278$60,014,453$1,698,758,902
88$2,294,445,012$147,663,811$61,782,604$1,870,333,659
89$2,528,228,437$154,649,370$63,602,354$2,059,347,283
90$2,785,849,896$161,969,348$65,475,192$2,267,576,162
91$3,069,740,623$169,639,883$67,402,648$2,496,977,780
92$3,382,579,825$177,677,897$69,386,296$2,749,709,184
93$3,727,319,985$186,101,131$71,427,754$3,028,147,334
94$4,107,214,727$194,928,190$73,528,688$3,334,911,530
95$4,525,849,538$204,178,580$75,690,807$3,672,888,127
96$4,987,175,615$213,872,755$77,915,874$4,045,257,767
97$5,495,547,169$224,032,161$80,205,697$4,455,525,395
98$6,055,762,530$234,679,287$82,562,138$4,907,553,329
99$6,673,109,449$245,837,713$84,987,110$5,405,597,708
100$7,353,415,016$257,532,165$87,482,582$5,954,348,656