Can I retire at age 35 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$908,370$900,278$892,384$884,679$877,155$860,854
2 years$449,688$441,313$433,196$425,327$417,693$401,331
3 years$296,814$288,403$280,307$272,511$265,002$249,088
4 years$220,392$212,007$203,991$196,329$189,001$173,659
5 years$174,551$166,216$158,306$150,799$143,676$128,949
6 years$144,000$135,728$127,935$120,595$113,686$99,590
7 years$122,187$113,984$106,314$99,148$92,457$78,997
8 years$105,834$97,705$90,163$83,173$76,702$63,874
9 years$93,122$85,070$77,657$70,845$64,594$52,390
10 years$82,958$74,985$67,703$61,069$55,037$43,446
11 years$74,648$66,755$59,605$53,148$47,334$36,342
12 years$67,728$59,915$52,898$46,618$41,019$30,611
13 years$61,877$54,146$47,261$41,157$35,769$25,930
14 years$56,866$49,217$42,464$36,534$31,355$22,065
15 years$52,527$44,961$38,339$32,582$27,607$18,849
16 years$48,734$41,251$34,760$29,174$24,400$16,153
17 years$45,391$37,990$31,630$26,213$21,634$13,880
18 years$42,423$35,105$28,874$23,623$19,236$11,954
19 years$39,770$32,535$26,433$21,345$17,146$10,315
20 years$37,386$30,233$24,259$19,332$15,315$8,916
21 years$35,231$28,161$22,314$17,545$13,705$7,717
22 years$33,275$26,287$20,566$15,953$12,285$6,687
23 years$31,491$24,586$18,989$14,528$11,027$5,801
24 years$29,859$23,035$17,561$13,251$9,912$5,037
25 years$28,360$21,617$16,265$12,101$8,919$4,376
26 years$26,978$20,317$15,085$11,065$8,034$3,805
27 years$25,701$19,121$14,008$10,128$7,243$3,311
28 years$24,517$18,017$13,022$9,279$6,536$2,882
29 years$23,416$16,997$12,118$8,509$5,902$2,509
30 years$22,391$16,052$11,288$7,809$5,332$2,186
31 years$21,434$15,175$10,523$7,172$4,821$1,905
32 years$20,539$14,358$9,818$6,592$4,361$1,661
33 years$19,699$13,597$9,167$6,061$3,947$1,448
34 years$18,911$12,887$8,565$5,577$3,573$1,263
35 years$18,169$12,223$8,008$5,134$3,236$1,101
36 years$17,471$11,602$7,491$4,728$2,932$961
37 years$16,811$11,019$7,012$4,357$2,658$838
38 years$16,188$10,472$6,566$4,016$2,409$732
39 years$15,598$9,958$6,152$3,702$2,185$638
40 years$15,039$9,474$5,766$3,415$1,982$557
41 years$14,508$9,018$5,407$3,151$1,798$486
42 years$14,005$8,589$5,072$2,908$1,632$425
43 years$13,526$8,183$4,759$2,684$1,481$371
44 years$13,070$7,801$4,467$2,478$1,344$324
45 years$12,635$7,439$4,195$2,289$1,220$283
46 years$12,221$7,096$3,940$2,114$1,108$247
47 years$11,825$6,772$3,701$1,953$1,006$215
48 years$11,447$6,465$3,478$1,805$914$188
49 years$11,086$6,173$3,269$1,668$830$164
50 years$10,740$5,897$3,074$1,542$754$143

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,000,000, adding $2,348 every year, while hoping to spend $30,682 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: 48/36/16 Blend
34$11,000,000$11,000,000$11,000,000$11,000,000
35$12,124,422$11,541,422$11,370,922$12,651,958
36$13,328,468$12,074,306$11,719,202$13,550,204
37$14,654,298$12,632,273$12,078,122$14,521,650
38$16,114,301$13,216,520$12,448,005$15,575,809
39$17,722,132$13,828,301$12,829,184$16,720,431
40$19,492,832$14,468,931$13,222,005$17,964,025
41$21,442,979$15,139,787$13,626,820$19,315,942
42$23,590,841$15,842,315$14,043,997$20,786,448
43$25,956,546$16,578,027$14,473,910$22,386,825
44$28,562,275$17,348,512$14,916,947$24,129,470
45$31,432,471$18,155,433$15,373,509$26,028,006
46$34,594,067$19,000,533$15,844,005$28,097,407
47$38,076,744$19,885,641$16,328,861$30,354,133
48$41,913,207$20,812,673$16,828,514$32,816,279
49$46,139,498$21,783,638$17,343,413$35,503,744
50$50,795,331$22,800,640$17,874,021$38,438,407
51$55,924,472$23,865,889$18,420,818$41,644,330
52$61,575,148$24,981,697$18,984,295$45,147,980
53$67,800,503$26,150,491$19,564,960$48,978,467
54$74,659,103$27,374,813$20,163,334$53,167,818
55$82,215,483$28,657,330$20,779,957$57,751,264
56$90,540,760$30,000,837$21,415,383$62,767,572
57$99,713,302$31,408,263$22,070,184$68,259,396
58$109,819,472$32,882,681$22,744,948$74,273,676
59$120,954,437$34,427,311$23,440,282$80,862,068
60$133,223,069$36,045,529$24,156,812$88,081,424
61$146,740,938$37,740,875$24,895,180$95,994,318
62$161,635,396$39,517,060$25,656,051$104,669,628
63$178,046,785$41,377,975$26,440,108$114,183,170
64$196,129,761$43,327,700$27,248,055$124,618,407
65$216,054,749$45,370,510$28,080,617$136,067,225
66$238,009,558$47,510,890$28,938,543$148,630,782
67$262,201,151$49,753,541$29,822,602$162,420,458
68$288,857,596$52,103,392$30,733,587$177,558,883
69$318,230,225$54,565,612$31,672,316$194,181,089
70$350,596,000$57,145,620$32,639,631$212,435,765
71$386,260,132$59,849,095$33,636,399$232,486,643
72$425,558,962$62,681,997$34,663,514$254,514,031
73$468,863,130$65,650,569$35,721,896$278,716,496
74$516,581,085$68,761,362$36,812,495$305,312,720
75$569,162,929$72,021,243$37,936,287$334,543,544
76$627,104,675$75,437,410$39,094,279$366,674,225
77$690,952,923$79,017,415$40,287,509$401,996,915
78$761,310,024$82,769,172$41,517,044$440,833,401
79$838,839,768$86,700,982$42,783,986$483,538,116
80$924,273,642$90,821,548$44,089,468$530,501,465
81$1,018,417,747$95,139,997$45,434,658$582,153,480
82$1,122,160,399$99,665,898$46,820,760$638,967,859
83$1,236,480,518$104,409,286$48,249,015$701,466,406
84$1,362,456,872$109,380,682$49,720,698$770,223,932
85$1,501,278,257$114,591,120$51,237,125$845,873,646
86$1,654,254,723$120,052,169$52,799,653$929,113,106
87$1,822,829,941$125,775,961$54,409,677$1,020,710,768
88$2,008,594,829$131,775,217$56,068,636$1,121,513,208
89$2,213,302,578$138,063,279$57,778,011$1,232,453,076
90$2,438,885,195$144,654,134$59,539,329$1,354,557,862
91$2,687,471,751$151,562,453$61,354,163$1,488,959,560
92$2,961,408,475$158,803,618$63,224,132$1,636,905,309
93$3,263,280,904$166,393,760$65,150,905$1,799,769,121
94$3,595,938,296$174,349,795$67,136,201$1,979,064,815
95$3,962,520,530$182,689,461$69,181,791$2,176,460,250
96$4,366,487,741$191,431,363$71,289,498$2,393,793,030
97$4,811,652,997$200,595,006$73,461,203$2,633,087,791
98$5,302,218,290$210,200,848$75,698,840$2,896,575,264
99$5,842,814,207$220,270,342$78,004,403$3,186,713,279
100$6,438,543,653$230,825,985$80,379,947$3,506,209,902