Can I retire at age 35 with 11,300,000?

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 $11,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$933,143$924,831$916,722$908,807$901,078$877,870
2 years$461,952$453,349$445,011$436,926$429,085$405,858
3 years$304,909$296,268$287,951$279,943$272,229$249,709
4 years$226,403$217,789$209,555$201,683$194,156$172,517
5 years$179,311$170,749$162,623$154,912$147,594$126,896
6 years$147,927$139,429$131,424$123,884$116,786$97,048
7 years$125,519$117,093$109,214$101,852$94,979$76,203
8 years$108,720$100,370$92,622$85,441$78,794$60,972
9 years$95,662$87,390$79,775$72,777$66,356$49,472
10 years$85,221$77,030$69,550$62,734$56,538$40,572
11 years$76,684$68,575$61,231$54,598$48,625$33,553
12 years$69,575$61,550$54,341$47,890$42,137$27,932
13 years$63,564$55,623$48,550$42,279$36,745$23,378
14 years$58,417$50,560$43,622$37,531$32,210$19,651
15 years$53,959$46,187$39,385$33,471$28,360$16,578
16 years$50,063$42,376$35,708$29,970$25,065$14,027
17 years$46,629$39,027$32,493$26,927$22,224$11,897
18 years$43,580$36,062$29,662$24,267$19,761$10,112
19 years$40,855$33,422$27,154$21,927$17,613$8,609
20 years$38,405$31,057$24,921$19,859$15,732$7,341
21 years$36,192$28,929$22,922$18,024$14,079$6,267
22 years$34,182$27,004$21,126$16,388$12,620$5,356
23 years$32,350$25,256$19,506$14,925$11,328$4,581
24 years$30,673$23,664$18,040$13,612$10,182$3,921
25 years$29,133$22,207$16,709$12,431$9,162$3,359
26 years$27,714$20,871$15,497$11,367$8,253$2,879
27 years$26,402$19,642$14,390$10,404$7,441$2,468
28 years$25,185$18,509$13,377$9,532$6,714$2,117
29 years$24,055$17,461$12,449$8,741$6,063$1,817
30 years$23,002$16,490$11,596$8,022$5,478$1,559
31 years$22,019$15,588$10,810$7,368$4,953$1,339
32 years$21,099$14,750$10,086$6,771$4,480$1,150
33 years$20,237$13,968$9,417$6,227$4,054$987
34 years$19,427$13,239$8,799$5,729$3,671$848
35 years$18,665$12,557$8,227$5,274$3,325$729
36 years$17,947$11,918$7,696$4,857$3,012$626
37 years$17,269$11,320$7,203$4,475$2,730$538
38 years$16,629$10,758$6,745$4,125$2,475$462
39 years$16,023$10,229$6,320$3,803$2,245$397
40 years$15,449$9,732$5,923$3,508$2,036$342
41 years$14,904$9,264$5,554$3,237$1,847$294
42 years$14,387$8,823$5,210$2,987$1,676$252
43 years$13,894$8,407$4,889$2,757$1,521$217
44 years$13,426$8,013$4,589$2,546$1,381$186
45 years$12,980$7,641$4,309$2,351$1,253$160
46 years$12,554$7,290$4,047$2,172$1,138$138
47 years$12,148$6,956$3,802$2,007$1,033$119
48 years$11,759$6,641$3,573$1,854$938$102
49 years$11,388$6,342$3,358$1,714$852$88
50 years$11,033$6,058$3,157$1,584$774$75

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,300,000, adding $6,751 every year, while hoping to spend $57,096 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: 48/42/10 Blend
34$11,300,000$11,300,000$11,300,000$11,300,000
35$12,459,564$11,860,664$11,685,514$13,023,372
36$13,669,689$12,381,086$12,016,229$13,931,883
37$15,001,334$12,925,096$12,356,109$14,911,216
38$16,466,833$13,493,789$12,705,401$15,973,204
39$18,079,777$14,088,311$13,064,359$17,125,568
40$19,855,141$14,709,865$13,433,242$18,376,786
41$21,809,425$15,359,709$13,812,315$19,736,168
42$23,960,812$16,039,160$14,201,853$21,213,940
43$26,329,336$16,749,599$14,602,136$22,821,336
44$28,937,071$17,492,472$15,013,451$24,570,702
45$31,808,343$18,269,294$15,436,092$26,475,600
46$34,969,954$19,081,650$15,870,361$28,550,940
47$38,451,441$19,931,202$16,316,570$30,813,109
48$42,285,347$20,819,691$16,775,034$33,280,121
49$46,507,536$21,748,939$17,246,081$35,971,783
50$51,157,524$22,720,856$17,730,044$38,909,874
51$56,278,857$23,737,443$18,227,266$42,118,346
52$61,919,518$24,800,796$18,738,098$45,623,539
53$68,132,384$25,913,110$19,262,899$49,454,427
54$74,975,720$27,076,685$19,802,039$53,642,882
55$82,513,732$28,293,931$20,355,896$58,223,968
56$90,817,171$29,567,373$20,924,857$63,236,262
57$99,964,003$30,899,655$21,509,320$68,722,211
58$110,040,142$32,293,548$22,109,693$74,728,522
59$121,140,261$33,751,957$22,726,392$81,306,599
60$133,368,687$35,277,922$23,359,845$88,513,008
61$146,840,383$36,874,631$24,010,491$96,410,013
62$161,682,038$38,545,423$24,678,778$105,066,143
63$178,033,256$40,293,799$25,365,167$114,556,833
64$196,047,876$42,123,423$26,070,128$124,965,123
65$215,895,428$44,038,139$26,794,146$136,382,429
66$237,762,726$46,041,973$27,537,714$148,909,394
67$261,855,637$48,139,142$28,301,340$162,656,825
68$288,401,019$50,334,067$29,085,542$177,746,723
69$317,648,867$52,631,381$29,890,853$194,313,421
70$349,874,671$55,035,938$30,717,816$212,504,837
71$385,382,014$57,552,825$31,566,989$232,483,853
72$424,505,440$60,187,374$32,438,943$254,429,840
73$467,613,611$62,945,171$33,334,264$278,540,326
74$515,112,787$65,832,072$34,253,549$305,032,848
75$567,450,660$68,854,213$35,197,412$334,146,985
76$625,120,582$72,018,023$36,166,480$366,146,600
77$688,666,219$75,330,245$37,161,395$401,322,305
78$758,686,687$78,797,940$38,182,815$439,994,190
79$835,842,202$82,428,512$39,231,412$482,514,815
80$920,860,318$86,229,721$40,307,876$529,272,516
81$1,014,542,792$90,209,699$41,412,912$580,695,047
82$1,117,773,152$94,376,969$42,547,239$637,253,590
83$1,231,525,039$98,740,466$43,711,597$699,467,175
84$1,356,871,398$103,309,554$44,906,741$767,907,551
85$1,494,994,606$108,094,047$46,133,442$843,204,553
86$1,647,197,634$113,104,234$47,392,490$926,052,015
87$1,814,916,349$118,350,897$48,684,695$1,017,214,288
88$1,999,733,066$123,845,341$50,010,882$1,117,533,421
89$2,203,391,489$129,599,413$51,371,896$1,227,937,070
90$2,427,813,169$135,625,532$52,768,603$1,349,447,220
91$2,675,115,646$141,936,717$54,201,885$1,483,189,795
92$2,947,632,440$148,546,615$55,672,647$1,630,405,238
93$3,247,935,080$155,469,530$57,181,811$1,792,460,185
94$3,578,857,379$162,720,457$58,730,323$1,970,860,314
95$3,943,522,190$170,315,118$60,319,147$2,167,264,515
96$4,345,370,884$178,269,989$61,949,269$2,383,500,500
97$4,788,195,842$186,602,347$63,621,697$2,621,582,002
98$5,276,176,255$195,330,299$65,337,461$2,883,727,732
99$5,813,917,580$204,472,831$67,097,613$3,172,382,266
100$6,406,495,017$214,049,844$68,903,228$3,490,239,062