Can I retire at age 35 with 12,800,000?

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 $12,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$1,057,012$1,047,597$1,038,411$1,029,445$1,020,690$985,259
2 years$523,273$513,528$504,083$494,925$486,043$450,713
3 years$345,384$335,596$326,175$317,104$308,366$274,247
4 years$256,456$246,699$237,372$228,455$219,929$187,282
5 years$203,114$193,415$184,210$175,476$167,186$136,098
6 years$167,564$157,938$148,869$140,329$132,289$102,783
7 years$142,181$132,636$123,711$115,372$107,586$79,657
8 years$123,152$113,693$104,917$96,783$89,253$62,878
9 years$108,360$98,991$90,365$82,438$75,164$50,310
10 years$96,533$87,255$78,782$71,062$64,044$40,669
11 years$86,863$77,678$69,359$61,845$55,080$33,137
12 years$78,810$69,720$61,554$54,247$47,731$27,170
13 years$72,002$63,006$54,994$47,892$41,622$22,388
14 years$66,171$57,271$49,413$42,513$36,486$18,522
15 years$61,122$52,318$44,613$37,914$32,125$15,374
16 years$56,709$48,001$40,448$33,948$28,392$12,794
17 years$52,819$44,207$36,806$30,502$25,174$10,671
18 years$49,365$40,849$33,599$27,488$22,384$8,916
19 years$46,278$37,859$30,759$24,838$19,951$7,461
20 years$43,503$35,180$28,229$22,496$17,821$6,251
21 years$40,996$32,769$25,965$20,416$15,948$5,242
22 years$38,720$30,589$23,931$18,563$14,295$4,401
23 years$36,645$28,609$22,096$16,906$12,832$3,696
24 years$34,745$26,805$20,435$15,419$11,534$3,107
25 years$33,000$25,155$18,927$14,082$10,378$2,613
26 years$31,392$23,642$17,554$12,875$9,349$2,198
27 years$29,906$22,249$16,300$11,785$8,428$1,850
28 years$28,528$20,966$15,153$10,798$7,605$1,557
29 years$27,248$19,779$14,101$9,902$6,867$1,311
30 years$26,055$18,679$13,135$9,087$6,205$1,104
31 years$24,942$17,658$12,245$8,346$5,610$930
32 years$23,900$16,708$11,425$7,670$5,075$784
33 years$22,923$15,822$10,668$7,053$4,592$660
34 years$22,006$14,996$9,967$6,490$4,158$557
35 years$21,143$14,224$9,319$5,974$3,766$469
36 years$20,329$13,500$8,717$5,502$3,412$395
37 years$19,562$12,822$8,159$5,069$3,093$333
38 years$18,837$12,186$7,641$4,673$2,804$281
39 years$18,150$11,587$7,159$4,308$2,543$237
40 years$17,500$11,024$6,710$3,974$2,306$200
41 years$16,882$10,494$6,292$3,666$2,092$168
42 years$16,296$9,994$5,902$3,384$1,898$142
43 years$15,739$9,523$5,538$3,123$1,723$120
44 years$15,208$9,077$5,198$2,884$1,564$101
45 years$14,703$8,656$4,881$2,663$1,420$85
46 years$14,220$8,257$4,584$2,460$1,289$72
47 years$13,760$7,880$4,307$2,273$1,171$60
48 years$13,320$7,522$4,047$2,100$1,063$51
49 years$12,900$7,184$3,804$1,941$965$43
50 years$12,497$6,862$3,577$1,794$877$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,800,000, adding $4,271 every year, while hoping to spend $34,390 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: 86/9/5 Blend
34$12,800,000$12,800,000$12,800,000$12,800,000
35$14,110,006$13,431,606$13,233,206$15,323,825
36$15,512,635$14,053,164$13,639,927$16,736,670
37$17,057,181$14,704,025$14,059,121$18,283,684
38$18,758,081$15,385,590$14,491,170$19,982,445
39$20,631,247$16,099,326$14,936,465$21,848,192
40$22,694,210$16,846,769$15,395,413$23,897,704
41$24,966,292$17,629,532$15,868,431$26,149,467
42$27,468,779$18,449,305$16,355,950$28,623,838
43$30,225,132$19,307,858$16,858,411$31,343,240
44$33,261,200$20,207,048$17,376,273$34,332,370
45$36,605,471$21,148,822$17,910,006$37,618,434
46$40,289,333$22,135,218$18,460,096$41,231,399
47$44,347,378$23,168,377$19,027,042$45,204,273
48$48,817,722$24,250,539$19,611,359$49,573,421
49$53,742,368$25,384,054$20,213,579$54,378,899
50$59,167,604$26,571,387$20,834,248$59,664,835
51$65,144,434$27,815,120$21,473,930$65,479,840
52$71,729,066$29,117,960$22,133,206$71,877,468
53$78,983,437$30,482,746$22,812,674$78,916,719
54$86,975,801$31,912,454$23,512,952$86,662,591
55$95,781,372$33,410,204$24,234,676$95,186,694
56$105,483,033$34,979,265$24,978,499$104,567,919
57$116,172,121$36,623,067$25,745,097$114,893,188
58$127,949,285$38,345,205$26,535,165$126,258,263
59$140,925,439$40,149,447$27,349,420$138,768,652
60$155,222,809$42,039,745$28,188,600$152,540,604
61$170,976,084$44,020,241$29,053,467$167,702,196
62$188,333,690$46,095,279$29,944,804$184,394,546
63$207,459,191$48,269,412$30,863,419$202,773,137
64$228,532,830$50,547,415$31,810,145$223,009,284
65$251,753,233$52,934,293$32,785,840$245,291,747
66$277,339,285$55,435,295$33,791,387$269,828,506
67$305,532,191$58,055,923$34,827,697$296,848,726
68$336,597,758$60,801,947$35,895,710$326,604,910
69$370,828,905$63,679,418$36,996,391$359,375,284
70$408,548,420$66,694,676$38,130,737$395,466,412
71$450,112,018$69,854,374$39,299,776$435,216,092
72$495,911,690$73,165,485$40,504,564$478,996,536
73$546,379,408$76,635,319$41,746,193$527,217,881
74$601,991,202$80,271,544$43,025,785$580,332,050
75$663,271,654$84,082,199$44,344,498$638,837,019
76$730,798,848$88,075,713$45,703,524$703,281,510
77$805,209,831$92,260,923$47,104,093$774,270,160
78$887,206,623$96,647,098$48,547,469$852,469,231
79$977,562,848$101,243,955$50,034,959$938,612,886
80$1,077,131,035$106,061,685$51,567,906$1,033,510,114
81$1,186,850,664$111,110,971$53,147,695$1,138,052,364
82$1,307,757,042$116,403,019$54,775,753$1,253,221,945
83$1,440,991,071$121,949,577$56,453,551$1,380,101,300
84$1,587,810,019$127,762,965$58,182,603$1,519,883,208
85$1,749,599,392$133,856,102$59,964,472$1,673,882,043
86$1,927,886,013$140,242,533$61,800,764$1,843,546,167
87$2,124,352,434$146,936,466$63,693,138$2,030,471,597
88$2,340,852,826$153,952,796$65,643,302$2,236,417,060
89$2,579,430,475$161,307,144$67,653,013$2,463,320,588
90$2,842,337,080$169,015,891$69,724,086$2,713,317,801
91$3,132,054,007$177,096,215$71,858,388$2,988,762,057
92$3,451,315,715$185,566,128$74,057,843$3,292,246,660
93$3,803,135,571$194,444,522$76,324,434$3,626,629,323
94$4,190,834,301$203,751,205$78,660,204$3,995,059,141
95$4,618,071,336$213,506,950$81,067,257$4,401,006,302
96$5,088,879,366$223,733,544$83,547,763$4,848,294,834
97$5,607,702,403$234,453,830$86,103,956$5,341,138,692
98$6,179,437,747$245,691,766$88,738,137$5,884,181,524
99$6,809,482,212$257,472,477$91,452,679$6,482,540,494
100$7,503,783,079$269,822,310$94,250,025$7,141,854,576