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

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 $12,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$1,065,270$1,055,781$1,046,523$1,037,487$1,028,664$1,022,181
2 years$527,361$517,540$508,021$498,792$489,840$483,301
3 years$348,082$338,218$328,723$319,581$310,775$304,381
4 years$258,460$248,626$239,226$230,240$221,647$215,449
5 years$204,701$194,926$185,649$176,846$168,493$162,508
6 years$168,873$159,172$150,032$141,425$133,322$127,559
7 years$143,292$133,672$124,678$116,274$108,427$102,888
8 years$124,114$114,582$105,736$97,539$89,951$84,636
9 years$109,207$99,764$91,071$83,082$75,751$70,659
10 years$97,287$87,937$79,398$71,617$64,544$59,672
11 years$87,542$78,285$69,900$62,328$55,510$50,855
12 years$79,426$70,265$62,035$54,670$48,104$43,662
13 years$72,564$63,499$55,424$48,266$41,947$37,714
14 years$66,688$57,718$49,799$42,845$36,771$32,741
15 years$61,600$52,727$44,962$38,210$32,376$28,544
16 years$57,152$48,376$40,764$34,213$28,614$24,974
17 years$53,231$44,552$37,094$30,740$25,371$21,918
18 years$49,750$41,168$33,862$27,703$22,559$19,287
19 years$46,639$38,154$30,999$25,032$20,107$17,010
20 years$43,843$35,455$28,449$22,671$17,960$15,031
21 years$41,316$33,025$26,168$20,576$16,072$13,305
22 years$39,022$30,828$24,118$18,708$14,407$11,795
23 years$36,931$28,832$22,268$17,038$12,932$10,470
24 years$35,017$27,014$20,595$15,539$11,624$9,305
25 years$33,258$25,351$19,075$14,192$10,460$8,278
26 years$31,638$23,826$17,691$12,976$9,422$7,370
27 years$30,140$22,423$16,427$11,877$8,494$6,568
28 years$28,751$21,129$15,271$10,882$7,665$5,857
29 years$27,461$19,933$14,211$9,979$6,921$5,226
30 years$26,259$18,825$13,237$9,158$6,254$4,665
31 years$25,136$17,796$12,341$8,411$5,654$4,167
32 years$24,086$16,838$11,514$7,730$5,114$3,724
33 years$23,102$15,946$10,751$7,108$4,628$3,329
34 years$22,178$15,113$10,045$6,540$4,190$2,977
35 years$21,308$14,335$9,391$6,021$3,795$2,663
36 years$20,488$13,606$8,785$5,545$3,439$2,383
37 years$19,715$12,922$8,223$5,109$3,117$2,132
38 years$18,984$12,281$7,700$4,709$2,826$1,909
39 years$18,292$11,678$7,214$4,342$2,562$1,709
40 years$17,636$11,111$6,762$4,005$2,324$1,531
41 years$17,014$10,576$6,341$3,695$2,109$1,371
42 years$16,424$10,072$5,948$3,410$1,913$1,228
43 years$15,862$9,597$5,581$3,148$1,736$1,100
44 years$15,327$9,148$5,239$2,907$1,576$986
45 years$14,817$8,723$4,919$2,684$1,431$883
46 years$14,332$8,322$4,620$2,479$1,299$792
47 years$13,868$7,941$4,341$2,291$1,180$709
48 years$13,424$7,581$4,079$2,117$1,071$636
49 years$13,001$7,240$3,834$1,956$973$570
50 years$12,595$6,916$3,605$1,808$884$511

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 $2,795 every year, while hoping to spend $50,571 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: 55/39/6 Blend
34$12,900,000$12,900,000$12,900,000$12,900,000
35$14,218,683$13,534,983$13,335,033$14,981,923
36$15,615,182$14,144,390$13,727,949$16,106,398
37$17,152,428$14,781,963$14,132,334$17,324,167
38$18,844,725$15,449,029$14,548,517$18,648,715
39$20,707,833$16,146,978$14,976,838$20,090,182
40$22,759,119$16,877,265$15,417,648$21,659,712
41$25,017,716$17,641,419$15,871,307$23,369,550
42$27,504,711$18,441,036$16,338,183$25,233,153
43$30,243,338$19,277,793$16,818,659$27,265,313
44$33,259,199$20,153,446$17,313,125$29,482,288
45$36,580,505$21,069,833$17,821,983$31,901,958
46$40,238,345$22,028,882$18,345,647$34,543,976
47$44,266,972$23,032,614$18,884,542$37,429,959
48$48,704,136$24,083,145$19,439,107$40,583,679
49$53,591,431$25,182,692$20,009,790$44,031,283
50$58,974,693$26,333,581$20,597,055$47,801,530
51$64,904,432$27,538,246$21,201,376$51,926,062
52$71,436,306$28,799,242$21,823,244$56,439,687
53$78,631,646$30,119,242$22,463,160$61,380,704
54$86,558,040$31,501,050$23,121,641$66,791,257
55$95,289,964$32,947,605$23,799,220$72,717,722
56$104,909,488$34,461,986$24,496,442$79,211,134
57$115,507,053$36,047,420$25,213,869$86,327,666
58$127,182,318$37,707,290$25,952,080$94,129,141
59$140,045,107$39,445,139$26,711,667$102,683,610
60$154,216,441$41,264,685$27,493,241$112,065,982
61$169,829,683$43,169,820$28,297,430$122,358,722
62$187,031,796$45,164,626$29,124,880$133,652,612
63$205,984,729$47,253,382$29,976,252$146,047,602
64$226,866,944$49,440,571$30,852,230$159,653,735
65$249,875,107$51,730,893$31,753,514$174,592,177
66$275,225,936$54,129,275$32,680,824$190,996,340
67$303,158,251$56,640,879$33,634,902$209,013,134
68$333,935,230$59,271,119$34,616,508$228,804,330
69$367,846,888$62,025,669$35,626,426$250,548,077
70$405,212,818$64,910,474$36,665,459$274,440,565
71$446,385,208$67,931,770$37,734,435$300,697,856
72$491,752,164$71,096,091$38,834,202$329,557,907
73$541,741,372$74,410,287$39,965,636$361,282,797
74$596,824,140$77,881,539$41,129,632$396,161,178
75$657,519,842$81,517,375$42,327,115$434,510,981
76$724,400,825$85,325,685$43,559,032$476,682,393
77$798,097,808$89,314,742$44,826,358$523,061,136
78$879,305,837$93,493,218$46,130,095$574,072,091
79$968,790,851$97,870,204$47,471,271$630,183,274
80$1,067,396,904$102,455,230$48,850,945$691,910,234
81$1,176,054,141$107,258,288$50,270,204$759,820,884
82$1,295,787,572$112,289,853$51,730,165$834,540,841
83$1,427,726,754$117,560,906$53,231,975$916,759,292
84$1,573,116,452$123,082,959$54,776,815$1,007,235,473
85$1,733,328,388$128,868,083$56,365,896$1,106,805,798
86$1,909,874,195$134,928,930$58,000,465$1,216,391,723
87$2,104,419,683$141,278,767$59,681,800$1,337,008,401
88$2,318,800,567$147,931,503$61,411,218$1,469,774,234
89$2,555,039,799$154,901,721$63,190,068$1,615,921,382
90$2,815,366,663$162,204,710$65,019,739$1,776,807,354
91$3,102,237,820$169,856,498$66,901,657$1,953,927,782
92$3,418,360,503$177,873,892$68,837,288$2,148,930,485
93$3,766,718,074$186,274,512$70,828,138$2,363,630,983
94$4,150,598,189$195,076,835$72,875,751$2,600,029,578
95$4,573,623,833$204,300,229$74,981,719$2,860,330,186
96$5,039,787,530$213,965,006$77,147,672$3,146,961,086
97$5,553,489,027$224,092,459$79,375,287$3,462,597,781
98$6,119,576,836$234,704,918$81,666,288$3,810,188,198
99$6,743,394,007$245,825,793$84,022,442$4,192,980,447
100$7,430,828,570$257,479,632$86,445,569$4,614,553,420