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%13.6%
1 years$1,057,012$1,047,597$1,038,411$1,029,445$1,020,690$1,005,437
2 years$523,273$513,528$504,083$494,925$486,043$470,710
3 years$345,384$335,596$326,175$317,104$308,366$293,430
4 years$256,456$246,699$237,372$228,455$219,929$205,506
5 years$203,114$193,415$184,210$175,476$167,186$153,317
6 years$167,564$157,938$148,869$140,329$132,289$118,990
7 years$142,181$132,636$123,711$115,372$107,586$94,862
8 years$123,152$113,693$104,917$96,783$89,253$77,102
9 years$108,360$98,991$90,365$82,438$75,164$63,579
10 years$96,533$87,255$78,782$71,062$64,044$53,017
11 years$86,863$77,678$69,359$61,845$55,080$44,599
12 years$78,810$69,720$61,554$54,247$47,731$37,785
13 years$72,002$63,006$54,994$47,892$41,622$32,196
14 years$66,171$57,271$49,413$42,513$36,486$27,565
15 years$61,122$52,318$44,613$37,914$32,125$23,693
16 years$56,709$48,001$40,448$33,948$28,392$20,433
17 years$52,819$44,207$36,806$30,502$25,174$17,670
18 years$49,365$40,849$33,599$27,488$22,384$15,318
19 years$46,278$37,859$30,759$24,838$19,951$13,306
20 years$43,503$35,180$28,229$22,496$17,821$11,578
21 years$40,996$32,769$25,965$20,416$15,948$10,089
22 years$38,720$30,589$23,931$18,563$14,295$8,804
23 years$36,645$28,609$22,096$16,906$12,832$7,691
24 years$34,745$26,805$20,435$15,419$11,534$6,725
25 years$33,000$25,155$18,927$14,082$10,378$5,885
26 years$31,392$23,642$17,554$12,875$9,349$5,154
27 years$29,906$22,249$16,300$11,785$8,428$4,516
28 years$28,528$20,966$15,153$10,798$7,605$3,960
29 years$27,248$19,779$14,101$9,902$6,867$3,474
30 years$26,055$18,679$13,135$9,087$6,205$3,049
31 years$24,942$17,658$12,245$8,346$5,610$2,677
32 years$23,900$16,708$11,425$7,670$5,075$2,351
33 years$22,923$15,822$10,668$7,053$4,592$2,065
34 years$22,006$14,996$9,967$6,490$4,158$1,814
35 years$21,143$14,224$9,319$5,974$3,766$1,595
36 years$20,329$13,500$8,717$5,502$3,412$1,402
37 years$19,562$12,822$8,159$5,069$3,093$1,233
38 years$18,837$12,186$7,641$4,673$2,804$1,084
39 years$18,150$11,587$7,159$4,308$2,543$953
40 years$17,500$11,024$6,710$3,974$2,306$838
41 years$16,882$10,494$6,292$3,666$2,092$737
42 years$16,296$9,994$5,902$3,384$1,898$649
43 years$15,739$9,523$5,538$3,123$1,723$571
44 years$15,208$9,077$5,198$2,884$1,564$502
45 years$14,703$8,656$4,881$2,663$1,420$442
46 years$14,220$8,257$4,584$2,460$1,289$389
47 years$13,760$7,880$4,307$2,273$1,171$342
48 years$13,320$7,522$4,047$2,100$1,063$301
49 years$12,900$7,184$3,804$1,941$965$265
50 years$12,497$6,862$3,577$1,794$877$233

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 $2,274 every year, while hoping to spend $56,965 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: 49/30/21 Blend
34$12,800,000$12,800,000$12,800,000$12,800,000
35$14,107,946$13,429,546$13,231,146$14,715,740
36$15,486,346$14,026,983$13,613,779$15,735,622
37$17,003,433$14,651,786$14,007,321$16,836,993
38$18,673,295$15,305,234$14,412,077$18,032,313
39$20,511,451$15,988,670$14,828,361$19,330,452
40$22,535,003$16,703,500$15,256,496$20,741,156
41$24,762,796$17,451,194$15,696,811$22,275,139
42$27,215,595$18,233,296$16,149,648$23,944,169
43$29,916,279$19,051,421$16,615,355$25,761,189
44$32,890,061$19,907,262$17,094,291$27,740,421
45$36,164,722$20,802,593$17,586,824$29,897,505
46$39,770,874$21,739,271$18,093,334$32,249,639
47$43,742,251$22,719,242$18,614,208$34,815,735
48$48,116,022$23,744,547$19,149,845$37,616,592
49$52,933,148$24,817,322$19,700,657$40,675,090
50$58,238,764$25,939,805$20,267,063$44,016,396
51$64,082,605$27,114,342$20,849,497$47,668,201
52$70,519,478$28,343,392$21,448,402$51,660,967
53$77,609,776$29,629,530$22,064,235$56,028,215
54$85,420,049$30,975,453$22,697,463$60,806,833
55$94,023,634$32,383,990$23,348,568$66,037,416
56$103,501,343$33,858,103$24,018,043$71,764,639
57$113,942,228$35,400,899$24,706,396$78,037,676
58$125,444,421$37,015,629$25,414,146$84,910,656
59$138,116,061$38,705,703$26,141,829$92,443,158
60$152,076,311$40,474,695$26,889,992$100,700,773
61$167,456,489$42,326,349$27,659,201$109,755,709
62$184,401,298$44,264,588$28,450,032$119,687,467
63$203,070,202$46,293,524$29,263,079$130,583,575
64$223,638,924$48,417,468$30,098,953$142,540,408
65$246,301,105$50,640,935$30,958,279$155,664,088
66$271,270,136$52,968,658$31,841,700$170,071,469
67$298,781,166$55,405,599$32,749,873$185,891,233
68$329,093,328$57,956,957$33,683,477$203,265,090
69$362,492,181$60,628,180$34,643,206$222,349,100
70$399,292,403$63,424,981$35,629,773$243,315,138
71$439,840,767$66,353,344$36,643,910$266,352,496
72$484,519,411$69,419,544$37,686,367$291,669,658
73$533,749,446$72,630,157$38,757,915$319,496,254
74$587,994,930$75,992,075$39,859,346$350,085,206
75$647,767,249$79,512,522$40,991,470$383,715,103
76$713,629,945$83,199,072$42,155,121$420,692,811
77$786,204,034$87,059,662$43,351,152$461,356,350
78$866,173,871$91,102,611$44,580,442$506,078,066
79$954,293,609$95,336,642$45,843,889$555,268,127
80$1,051,394,314$99,770,894$47,142,417$609,378,370
81$1,158,391,818$104,414,952$48,476,972$668,906,549
82$1,276,295,359$109,278,861$49,848,526$734,401,003
83$1,406,217,110$114,373,149$51,258,076$806,465,815
84$1,549,382,678$119,708,856$52,706,644$885,766,483
85$1,707,142,673$125,297,552$54,195,279$973,036,180
86$1,880,985,462$131,151,368$55,725,056$1,069,082,646
87$2,072,551,213$137,283,019$57,297,079$1,174,795,781
88$2,283,647,385$143,705,836$58,912,480$1,291,156,017
89$2,516,265,790$150,433,793$60,572,420$1,419,243,543
90$2,772,601,392$157,481,541$62,278,088$1,560,248,466
91$3,055,073,036$164,864,437$64,030,705$1,715,482,012
92$3,366,346,275$172,598,585$65,831,524$1,886,388,866
93$3,709,358,543$180,700,863$67,681,827$2,074,560,775
94$4,087,346,877$189,188,968$69,582,931$2,281,751,531
95$4,503,878,485$198,081,454$71,536,186$2,509,893,486
96$4,962,884,418$207,397,772$73,542,975$2,761,115,752
97$5,468,696,680$217,158,315$75,604,717$3,037,764,251
98$6,026,089,132$227,384,464$77,722,866$3,342,423,816
99$6,640,322,555$238,098,633$79,898,913$3,677,942,544
100$7,317,194,314$249,324,325$82,134,385$4,047,458,623