Can I retire at age 35 with 11,100,000?

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$916,628$908,463$900,497$892,722$885,130$850,011
2 years$453,776$445,325$437,134$429,193$421,490$386,544
3 years$299,512$291,025$282,855$274,988$267,411$233,738
4 years$222,396$213,934$205,846$198,114$190,720$158,576
5 years$176,138$167,727$159,745$152,170$144,982$114,449
6 years$145,309$136,962$129,098$121,692$114,719$85,817
7 years$123,297$115,020$107,281$100,049$93,298$66,015
8 years$106,796$98,593$90,983$83,929$77,399$51,709
9 years$93,968$85,843$78,363$71,489$65,181$41,044
10 years$83,712$75,667$68,319$61,624$55,538$32,907
11 years$75,327$67,362$60,147$53,631$47,764$26,587
12 years$68,343$60,460$53,379$47,042$41,392$21,610
13 years$62,439$54,638$47,690$41,531$36,094$17,649
14 years$57,383$49,665$42,850$36,867$31,640$14,470
15 years$53,004$45,370$38,688$32,879$27,858$11,899
16 years$49,177$41,626$35,076$29,439$24,621$9,810
17 years$45,804$38,336$31,918$26,451$21,831$8,104
18 years$42,808$35,424$29,137$23,838$19,411$6,705
19 years$40,132$32,831$26,673$21,539$17,302$5,556
20 years$37,725$30,508$24,480$19,508$15,454$4,609
21 years$35,551$28,417$22,517$17,705$13,830$3,826
22 years$33,577$26,526$20,752$16,098$12,396$3,179
23 years$31,778$24,809$19,161$14,660$11,128$2,643
24 years$30,131$23,245$17,721$13,371$10,002$2,199
25 years$28,618$21,814$16,413$12,211$9,000$1,830
26 years$27,223$20,502$15,222$11,165$8,107$1,524
27 years$25,934$19,294$14,135$10,220$7,309$1,269
28 years$24,739$18,181$13,141$9,364$6,595$1,057
29 years$23,629$17,152$12,228$8,587$5,955$881
30 years$22,595$16,198$11,390$7,880$5,381$734
31 years$21,629$15,312$10,619$7,238$4,865$612
32 years$20,726$14,489$9,908$6,652$4,401$510
33 years$19,878$13,721$9,251$6,117$3,983$425
34 years$19,083$13,004$8,643$5,628$3,606$354
35 years$18,335$12,334$8,081$5,181$3,266$295
36 years$17,629$11,707$7,560$4,771$2,959$246
37 years$16,964$11,119$7,076$4,396$2,682$205
38 years$16,335$10,567$6,626$4,052$2,431$171
39 years$15,740$10,048$6,208$3,736$2,205$143
40 years$15,175$9,560$5,819$3,446$2,000$119
41 years$14,640$9,100$5,456$3,179$1,814$99
42 years$14,132$8,667$5,118$2,934$1,646$83
43 years$13,649$8,258$4,802$2,709$1,494$69
44 years$13,188$7,871$4,508$2,501$1,356$58
45 years$12,750$7,506$4,233$2,310$1,231$48
46 years$12,332$7,161$3,976$2,134$1,118$40
47 years$11,933$6,833$3,735$1,971$1,015$33
48 years$11,551$6,523$3,510$1,821$922$28
49 years$11,186$6,229$3,299$1,683$837$23
50 years$10,837$5,951$3,102$1,556$760$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,100,000, adding $4,360 every year, while hoping to spend $25,544 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: 32/41/27 Blend
34$11,100,000$11,100,000$11,100,000$11,100,000
35$12,236,697$11,648,397$11,476,347$12,527,148
36$13,457,662$12,191,990$11,833,626$13,293,156
37$14,802,309$12,761,363$12,202,018$14,115,065
38$16,283,226$13,357,752$12,581,868$14,999,846
39$17,914,287$13,982,453$12,973,532$15,953,049
40$19,710,775$14,636,825$13,377,377$16,980,751
41$21,689,537$15,322,292$13,793,781$18,089,609
42$23,869,132$16,040,347$14,223,136$19,286,921
43$26,270,015$16,792,555$14,665,842$20,580,684
44$28,914,725$17,580,558$15,122,316$21,979,669
45$31,828,097$18,406,076$15,592,984$23,493,493
46$35,037,502$19,270,913$16,078,287$25,132,707
47$38,573,099$20,176,959$16,578,681$26,908,885
48$42,468,122$21,126,197$17,094,634$28,834,733
49$46,759,195$22,120,705$17,626,630$30,924,192
50$51,486,677$23,162,664$18,175,166$33,192,573
51$56,695,040$24,254,356$18,740,756$35,656,683
52$62,433,293$25,398,179$19,323,930$38,334,983
53$68,755,442$26,596,642$19,925,234$41,247,750
54$75,720,999$27,852,380$20,545,232$44,417,261
55$83,395,547$29,168,152$21,184,503$47,867,993
56$91,851,355$30,546,855$21,843,647$51,626,841
57$101,168,064$31,991,521$22,523,280$55,723,368
58$111,433,435$33,505,335$23,224,038$60,190,069
59$122,744,181$35,091,631$23,946,578$65,062,667
60$135,206,875$36,753,909$24,691,576$70,380,436
61$148,938,962$38,495,836$25,459,730$76,186,565
62$164,069,863$40,321,258$26,251,757$82,528,548
63$180,742,198$42,234,209$27,068,400$89,458,620
64$199,113,133$44,238,916$27,910,423$97,034,236
65$219,355,864$46,339,814$28,778,613$105,318,598
66$241,661,248$48,541,552$29,673,783$114,381,236
67$266,239,611$50,849,003$30,596,771$124,298,651
68$293,322,728$53,267,281$31,548,439$135,155,015
69$323,166,013$55,801,745$32,529,679$147,042,952
70$356,050,931$58,458,015$33,541,407$160,064,389
71$392,287,653$61,241,984$34,584,571$174,331,506
72$432,217,985$64,159,834$35,660,147$189,967,767
73$476,218,597$67,218,043$36,769,139$207,109,068
74$524,704,574$70,423,407$37,912,585$225,904,998
75$578,133,339$73,783,052$39,091,555$246,520,224
76$637,008,968$77,304,450$40,307,150$269,136,027
77$701,886,951$80,995,436$41,560,508$293,951,982
78$773,379,435$84,864,228$42,852,800$321,187,816
79$852,161,003$88,919,440$44,185,234$351,085,458
80$938,975,042$93,170,110$45,559,056$383,911,290
81$1,034,640,762$97,625,710$46,975,550$419,958,631
82$1,140,060,928$102,296,179$48,436,040$459,550,477
83$1,256,230,386$107,191,935$49,941,891$503,042,511
84$1,384,245,451$112,323,906$51,494,510$550,826,430
85$1,525,314,259$117,703,549$53,095,348$603,333,605
86$1,680,768,173$123,342,882$54,745,901$661,039,114
87$1,852,074,348$129,254,505$56,447,711$724,466,185
88$2,040,849,591$135,451,635$58,202,368$794,191,095
89$2,248,875,613$141,948,129$60,011,511$870,848,567
90$2,478,115,859$148,758,521$61,876,830$955,137,711
91$2,730,734,041$155,898,053$63,800,069$1,047,828,580
92$3,009,114,564$163,382,708$65,783,022$1,149,769,387
93$3,315,885,039$171,229,250$67,827,542$1,261,894,460
94$3,653,941,086$179,455,257$69,935,538$1,385,233,003
95$4,026,473,678$188,079,165$72,108,979$1,520,918,760
96$4,436,999,257$197,120,308$74,349,894$1,670,200,652
97$4,889,392,942$206,598,964$76,660,376$1,834,454,504
98$5,387,925,104$216,536,396$79,042,581$2,015,195,969
99$5,937,301,691$226,954,905$81,498,734$2,214,094,765
100$6,542,708,649$237,877,881$84,031,127$2,432,990,362