Can I retire at age 35 with 12,900,000?

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 $12,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$1,065,270$1,055,781$1,046,523$1,037,487$1,028,664$990,984
2 years$527,361$517,540$508,021$498,792$489,840$452,298
3 years$348,082$338,218$328,723$319,581$310,775$274,550
4 years$258,460$248,626$239,226$230,240$221,647$187,017
5 years$204,701$194,926$185,649$176,846$168,493$135,547
6 years$168,873$159,172$150,032$141,425$133,322$102,086
7 years$143,292$133,672$124,678$116,274$108,427$78,891
8 years$124,114$114,582$105,736$97,539$89,951$62,089
9 years$109,207$99,764$91,071$83,082$75,751$49,526
10 years$97,287$87,937$79,398$71,617$64,544$39,909
11 years$87,542$78,285$69,900$62,328$55,510$32,413
12 years$79,426$70,265$62,035$54,670$48,104$26,487
13 years$72,564$63,499$55,424$48,266$41,947$21,752
14 years$66,688$57,718$49,799$42,845$36,771$17,933
15 years$61,600$52,727$44,962$38,210$32,376$14,832
16 years$57,152$48,376$40,764$34,213$28,614$12,298
17 years$53,231$44,552$37,094$30,740$25,371$10,220
18 years$49,750$41,168$33,862$27,703$22,559$8,507
19 years$46,639$38,154$30,999$25,032$20,107$7,092
20 years$43,843$35,455$28,449$22,671$17,960$5,919
21 years$41,316$33,025$26,168$20,576$16,072$4,945
22 years$39,022$30,828$24,118$18,708$14,407$4,135
23 years$36,931$28,832$22,268$17,038$12,932$3,459
24 years$35,017$27,014$20,595$15,539$11,624$2,896
25 years$33,258$25,351$19,075$14,192$10,460$2,426
26 years$31,638$23,826$17,691$12,976$9,422$2,033
27 years$30,140$22,423$16,427$11,877$8,494$1,704
28 years$28,751$21,129$15,271$10,882$7,665$1,428
29 years$27,461$19,933$14,211$9,979$6,921$1,198
30 years$26,259$18,825$13,237$9,158$6,254$1,005
31 years$25,136$17,796$12,341$8,411$5,654$843
32 years$24,086$16,838$11,514$7,730$5,114$707
33 years$23,102$15,946$10,751$7,108$4,628$593
34 years$22,178$15,113$10,045$6,540$4,190$498
35 years$21,308$14,335$9,391$6,021$3,795$418
36 years$20,488$13,606$8,785$5,545$3,439$351
37 years$19,715$12,922$8,223$5,109$3,117$294
38 years$18,984$12,281$7,700$4,709$2,826$247
39 years$18,292$11,678$7,214$4,342$2,562$207
40 years$17,636$11,111$6,762$4,005$2,324$174
41 years$17,014$10,576$6,341$3,695$2,109$146
42 years$16,424$10,072$5,948$3,410$1,913$123
43 years$15,862$9,597$5,581$3,148$1,736$103
44 years$15,327$9,148$5,239$2,907$1,576$87
45 years$14,817$8,723$4,919$2,684$1,431$73
46 years$14,332$8,322$4,620$2,479$1,299$61
47 years$13,868$7,941$4,341$2,291$1,180$51
48 years$13,424$7,581$4,079$2,117$1,071$43
49 years$13,001$7,240$3,834$1,956$973$36
50 years$12,595$6,916$3,605$1,808$884$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,900,000, adding $3,535 every year, while hoping to spend $41,136 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: 33/44/23 Blend
34$12,900,000$12,900,000$12,900,000$12,900,000
35$14,219,446$13,535,746$13,335,796$14,588,359
36$15,626,061$14,155,230$13,738,777$15,484,591
37$17,174,773$14,803,689$14,153,879$16,445,857
38$18,880,030$15,482,500$14,581,465$17,481,032
39$20,757,757$16,193,107$15,021,908$18,596,662
40$22,825,499$16,937,020$15,475,592$19,799,915
41$25,102,590$17,715,823$15,942,915$21,098,650
42$27,610,334$18,531,179$16,424,282$22,501,476
43$30,372,207$19,384,826$16,920,115$24,017,835
44$33,414,079$20,278,588$17,430,845$25,658,078
45$36,764,454$21,214,379$17,956,918$27,433,560
46$40,454,745$22,194,200$18,498,791$29,356,738
47$44,519,566$23,220,152$19,056,937$31,441,282
48$48,997,059$24,294,437$19,631,842$33,702,194
49$53,929,256$25,419,362$20,224,006$36,155,943
50$59,362,474$26,597,344$20,833,944$38,820,612
51$65,347,752$27,830,919$21,462,186$41,716,057
52$71,941,333$29,122,744$22,109,280$44,864,089
53$79,205,194$30,475,604$22,775,786$48,288,665
54$87,207,633$31,892,419$23,462,284$52,016,108
55$96,023,912$33,376,247$24,169,371$56,075,342
56$105,736,966$34,930,298$24,897,660$60,498,153
57$116,438,188$36,557,934$25,647,783$65,319,480
58$128,228,290$38,262,680$26,420,390$70,577,730
59$141,218,255$40,048,230$27,216,153$76,315,128
60$155,530,382$41,918,459$28,035,759$82,578,100
61$171,299,444$43,877,427$28,879,920$89,417,703
62$188,673,957$45,929,391$29,749,367$96,890,083
63$207,817,583$48,078,812$30,644,853$105,056,996
64$228,910,672$50,330,371$31,567,152$113,986,374
65$252,151,972$52,688,970$32,517,062$123,752,945
66$277,760,495$55,159,751$33,495,406$134,438,925
67$305,977,591$57,748,105$34,503,028$146,134,772
68$337,069,226$60,459,682$35,540,800$158,940,022
69$371,328,488$63,300,407$36,609,617$172,964,207
70$409,078,357$66,276,491$37,710,403$188,327,870
71$450,674,756$69,394,445$38,844,108$205,163,675
72$496,509,905$72,661,097$40,011,710$223,617,643
73$547,016,029$76,083,605$41,214,215$243,850,499
74$602,669,434$79,669,471$42,452,662$266,039,167
75$663,995,006$83,426,565$43,728,115$290,378,413
76$731,571,165$87,363,135$45,041,676$317,082,652
77$806,035,325$91,487,830$46,394,473$346,387,950
78$888,089,912$95,809,718$47,787,672$378,554,211
79$978,508,996$100,338,306$49,222,472$413,867,609
80$1,078,145,594$105,083,564$50,700,105$452,643,245
81$1,187,939,728$110,055,942$52,221,842$495,228,095
82$1,308,927,298$115,266,401$53,788,991$542,004,244
83$1,442,249,858$120,726,430$55,402,898$593,392,452
84$1,589,165,396$126,448,078$57,064,948$649,856,090
85$1,751,060,210$132,443,977$58,776,567$711,905,471
86$1,929,461,993$138,727,374$60,539,224$780,102,616
87$2,126,054,258$145,312,156$62,354,429$855,066,524
88$2,342,692,228$152,212,888$64,223,739$937,478,956
89$2,581,420,356$159,444,840$66,148,754$1,028,090,828
90$2,844,491,618$167,024,023$68,131,123$1,127,729,238
91$3,134,388,790$174,967,227$70,172,543$1,237,305,228
92$3,453,847,883$183,292,058$72,274,759$1,357,822,316
93$3,805,883,973$192,016,975$74,439,570$1,490,385,912
94$4,193,819,669$201,161,337$76,668,826$1,636,213,693
95$4,621,316,475$210,745,442$78,964,431$1,796,647,021
96$5,092,409,361$220,790,575$81,328,346$1,973,163,547
97$5,611,544,858$231,319,055$83,762,588$2,167,391,077
98$6,183,623,033$242,354,288$86,269,234$2,381,122,866
99$6,814,043,751$253,920,817$88,850,421$2,616,334,465
100$7,508,757,653$266,044,376$91,508,350$2,875,202,288