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%12%
1 years$1,065,270$1,055,781$1,046,523$1,037,487$1,028,664$1,020,045
2 years$527,361$517,540$508,021$498,792$489,840$481,153
3 years$348,082$338,218$328,723$319,581$310,775$302,289
4 years$258,460$248,626$239,226$230,240$221,647$213,429
5 years$204,701$194,926$185,649$176,846$168,493$160,565
6 years$168,873$159,172$150,032$141,425$133,322$125,696
7 years$143,292$133,672$124,678$116,274$108,427$101,105
8 years$124,114$114,582$105,736$97,539$89,951$82,933
9 years$109,207$99,764$91,071$83,082$75,751$69,036
10 years$97,287$87,937$79,398$71,617$64,544$58,126
11 years$87,542$78,285$69,900$62,328$55,510$49,386
12 years$79,426$70,265$62,035$54,670$48,104$42,267
13 years$72,564$63,499$55,424$48,266$41,947$36,392
14 years$66,688$57,718$49,799$42,845$36,771$31,490
15 years$61,600$52,727$44,962$38,210$32,376$27,362
16 years$57,152$48,376$40,764$34,213$28,614$23,859
17 years$53,231$44,552$37,094$30,740$25,371$20,867
18 years$49,750$41,168$33,862$27,703$22,559$18,297
19 years$46,639$38,154$30,999$25,032$20,107$16,079
20 years$43,843$35,455$28,449$22,671$17,960$14,157
21 years$41,316$33,025$26,168$20,576$16,072$12,485
22 years$39,022$30,828$24,118$18,708$14,407$11,027
23 years$36,931$28,832$22,268$17,038$12,932$9,752
24 years$35,017$27,014$20,595$15,539$11,624$8,633
25 years$33,258$25,351$19,075$14,192$10,460$7,650
26 years$31,638$23,826$17,691$12,976$9,422$6,785
27 years$30,140$22,423$16,427$11,877$8,494$6,022
28 years$28,751$21,129$15,271$10,882$7,665$5,349
29 years$27,461$19,933$14,211$9,979$6,921$4,754
30 years$26,259$18,825$13,237$9,158$6,254$4,227
31 years$25,136$17,796$12,341$8,411$5,654$3,760
32 years$24,086$16,838$11,514$7,730$5,114$3,346
33 years$23,102$15,946$10,751$7,108$4,628$2,979
34 years$22,178$15,113$10,045$6,540$4,190$2,653
35 years$21,308$14,335$9,391$6,021$3,795$2,363
36 years$20,488$13,606$8,785$5,545$3,439$2,106
37 years$19,715$12,922$8,223$5,109$3,117$1,876
38 years$18,984$12,281$7,700$4,709$2,826$1,673
39 years$18,292$11,678$7,214$4,342$2,562$1,491
40 years$17,636$11,111$6,762$4,005$2,324$1,330
41 years$17,014$10,576$6,341$3,695$2,109$1,186
42 years$16,424$10,072$5,948$3,410$1,913$1,058
43 years$15,862$9,597$5,581$3,148$1,736$944
44 years$15,327$9,148$5,239$2,907$1,576$842
45 years$14,817$8,723$4,919$2,684$1,431$751
46 years$14,332$8,322$4,620$2,479$1,299$670
47 years$13,868$7,941$4,341$2,291$1,180$598
48 years$13,424$7,581$4,079$2,117$1,071$534
49 years$13,001$7,240$3,834$1,956$973$476
50 years$12,595$6,916$3,605$1,808$884$425

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 $6,719 every year, while hoping to spend $40,485 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: 78/12/10 Blend
34$12,900,000$12,900,000$12,900,000$12,900,000
35$14,222,731$13,539,031$13,339,081$15,307,562
36$15,630,373$14,159,367$13,742,864$16,641,775
37$17,180,239$14,808,744$14,158,817$18,098,830
38$18,886,791$15,488,540$14,587,306$19,695,695
39$20,765,968$16,200,203$15,028,704$21,446,291
40$22,835,331$16,945,247$15,483,401$23,365,944
41$25,114,234$17,725,263$15,951,794$25,471,531
42$27,624,000$18,541,915$16,434,293$27,781,633
43$30,388,128$19,396,949$16,931,322$30,316,711
44$33,432,511$20,292,194$17,443,315$33,099,299
45$36,785,682$21,229,566$17,970,721$36,154,209
46$40,479,083$22,211,076$18,514,001$39,508,768
47$44,547,360$23,238,830$19,073,631$43,193,072
48$49,028,693$24,315,035$19,650,100$47,240,267
49$53,965,154$25,442,005$20,243,912$51,686,859
50$59,403,102$26,622,166$20,855,586$56,573,058
51$65,393,627$27,858,061$21,485,657$61,943,152
52$71,993,025$29,152,354$22,134,674$67,845,924
53$79,263,333$30,507,838$22,803,205$74,335,108
54$87,272,913$31,927,442$23,491,832$81,469,896
55$96,097,099$33,414,236$24,201,157$89,315,490
56$105,818,905$34,971,436$24,931,799$97,943,716
57$116,529,814$36,602,416$25,684,394$107,433,697
58$128,330,632$38,310,712$26,459,598$117,872,597
59$141,332,449$40,100,029$27,258,088$129,356,440
60$155,657,682$41,974,254$28,080,557$141,991,013
61$171,441,233$43,937,460$28,927,723$155,892,859
62$188,831,760$45,993,917$29,800,323$171,190,372
63$207,993,082$48,148,101$30,699,116$188,025,006
64$229,105,723$50,404,705$31,624,883$206,552,606
65$252,368,620$52,768,649$32,578,430$226,944,871
66$278,000,998$55,245,091$33,560,586$249,390,974
67$306,244,437$57,839,438$34,572,203$274,099,337
68$337,365,159$60,557,359$35,614,161$301,299,598
69$371,656,533$63,404,798$36,687,363$331,244,768
70$409,441,851$66,387,985$37,792,742$364,213,616
71$451,077,377$69,513,454$38,931,256$400,513,294
72$496,955,710$72,788,052$40,103,893$440,482,228
73$547,509,488$76,218,962$41,311,669$484,493,308
74$603,215,476$79,813,712$42,555,631$532,957,398
75$664,599,066$83,580,196$43,836,856$586,327,208
76$732,239,234$87,526,689$45,156,454$645,101,559
77$806,774,008$91,661,868$46,515,567$709,830,087
78$888,906,489$95,994,832$47,915,371$781,118,415
79$979,411,492$100,535,120$49,357,076$859,633,870
80$1,079,142,855$105,292,732$50,841,930$946,111,766
81$1,189,041,507$110,278,157$52,371,215$1,041,362,340
82$1,310,144,343$115,502,389$53,946,253$1,146,278,386
83$1,443,594,017$120,976,957$55,568,404$1,261,843,678
84$1,590,649,729$126,713,950$57,239,067$1,389,142,239
85$1,752,699,111$132,726,042$58,959,686$1,529,368,567
86$1,931,271,327$139,026,526$60,731,742$1,683,838,899
87$2,128,051,513$145,629,336$62,556,766$1,854,003,621
88$2,344,896,678$152,549,084$64,436,328$2,041,460,948
89$2,583,853,243$159,801,093$66,372,049$2,247,971,998
90$2,847,176,357$167,401,430$68,365,596$2,475,477,400
91$3,137,351,186$175,366,941$70,418,684$2,726,115,604
92$3,457,116,377$183,715,291$72,533,080$3,002,243,048
93$3,809,489,912$192,465,004$74,710,602$3,306,456,389
94$4,197,797,598$201,635,505$76,953,123$3,641,616,997
95$4,625,704,470$211,247,161$79,262,570$4,010,877,952
96$5,097,249,386$221,321,332$81,640,925$4,417,713,790
97$5,616,883,159$231,880,413$84,090,232$4,865,953,284
98$6,189,510,578$242,947,890$86,612,592$5,359,815,568
99$6,820,536,713$254,548,393$89,210,170$5,903,949,947
100$7,515,917,939$266,707,745$91,885,191$6,503,479,766