Can I retire at age 35 with 11,400,000?

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 $11,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$941,401$933,016$924,835$916,849$909,052$875,406
2 years$466,040$457,361$448,949$440,793$432,882$399,364
3 years$307,607$298,890$290,500$282,420$274,638$242,302
4 years$228,406$219,716$211,409$203,468$195,874$164,968
5 years$180,898$172,260$164,062$156,283$148,900$119,503
6 years$149,236$140,663$132,587$124,981$117,820$89,953
7 years$126,630$118,129$110,180$102,754$95,819$69,475
8 years$109,682$101,258$93,442$86,197$79,491$54,646
9 years$96,508$88,163$80,481$73,421$66,943$43,562
10 years$85,975$77,712$70,165$63,290$57,039$35,081
11 years$77,362$69,182$61,772$55,081$49,055$28,473
12 years$70,191$62,094$54,821$48,313$42,510$23,252
13 years$64,127$56,115$48,979$42,653$37,070$19,082
14 years$58,934$51,007$44,008$37,863$32,495$15,721
15 years$54,437$46,596$39,733$33,767$28,611$12,993
16 years$50,506$42,751$36,024$30,235$25,287$10,766
17 years$47,042$39,372$32,781$27,166$22,421$8,940
18 years$43,965$36,381$29,924$24,482$19,936$7,436
19 years$41,216$33,718$27,394$22,121$17,769$6,194
20 years$38,745$31,332$25,141$20,035$15,872$5,166
21 years$36,512$29,185$23,125$18,183$14,203$4,312
22 years$34,485$27,243$21,313$16,533$12,731$3,603
23 years$32,637$25,480$19,679$15,057$11,428$3,012
24 years$30,945$23,873$18,200$13,733$10,272$2,520
25 years$29,391$22,404$16,857$12,541$9,243$2,109
26 years$27,959$21,056$15,634$11,467$8,326$1,765
27 years$26,635$19,816$14,517$10,496$7,507$1,479
28 years$25,408$18,672$13,496$9,617$6,773$1,239
29 years$24,268$17,615$12,559$8,819$6,116$1,038
30 years$23,205$16,636$11,698$8,093$5,526$870
31 years$22,214$15,726$10,906$7,433$4,996$729
32 years$21,286$14,880$10,175$6,831$4,520$611
33 years$20,416$14,092$9,501$6,282$4,090$513
34 years$19,599$13,356$8,877$5,780$3,703$430
35 years$18,830$12,668$8,299$5,321$3,354$360
36 years$18,106$12,024$7,764$4,900$3,039$302
37 years$17,422$11,420$7,267$4,515$2,754$253
38 years$16,776$10,853$6,805$4,162$2,497$213
39 years$16,165$10,320$6,376$3,837$2,264$178
40 years$15,586$9,819$5,976$3,539$2,054$150
41 years$15,036$9,346$5,603$3,265$1,863$125
42 years$14,514$8,901$5,256$3,014$1,691$105
43 years$14,017$8,481$4,932$2,782$1,535$88
44 years$13,545$8,084$4,630$2,569$1,393$74
45 years$13,095$7,709$4,347$2,372$1,264$62
46 years$12,665$7,354$4,083$2,191$1,148$52
47 years$12,255$7,018$3,836$2,024$1,043$44
48 years$11,863$6,700$3,605$1,871$947$37
49 years$11,489$6,398$3,388$1,729$860$31
50 years$11,130$6,111$3,185$1,598$781$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,400,000, adding $5,177 every year, while hoping to spend $21,381 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: 83/6/11 Blend
34$11,400,000$11,400,000$11,400,000$11,400,000
35$12,568,140$11,963,940$11,787,240$13,588,130
36$13,827,341$12,527,424$12,159,363$14,820,206
37$15,214,264$13,117,802$12,543,236$16,169,633
38$16,741,914$13,736,369$12,939,230$17,650,932
39$18,424,622$14,384,484$13,347,726$19,277,339
40$20,278,179$15,063,570$13,769,121$21,063,434
41$22,319,988$15,775,119$14,203,822$23,025,273
42$24,569,225$16,520,698$14,652,248$25,180,543
43$27,047,021$17,301,947$15,114,833$27,548,723
44$29,776,662$18,120,587$15,592,024$30,151,272
45$32,783,807$18,978,422$16,084,283$33,011,826
46$36,096,735$19,877,344$16,592,086$36,156,422
47$39,746,603$20,819,335$17,115,922$39,613,742
48$43,767,750$21,806,476$17,656,299$43,415,379
49$48,198,015$22,840,947$18,213,739$47,596,142
50$53,079,094$23,925,035$18,788,781$52,194,374
51$58,456,937$25,061,137$19,381,980$57,252,317
52$64,382,179$26,251,767$19,993,911$62,816,508
53$70,910,618$27,499,561$20,625,164$68,938,218
54$78,103,744$28,807,283$21,276,350$75,673,932
55$86,029,317$30,177,830$21,948,099$83,085,881
56$94,762,006$31,614,243$22,641,059$91,242,627
57$104,384,097$33,119,707$23,355,901$100,219,711
58$114,986,267$34,697,565$24,093,316$110,100,361
59$126,668,440$36,351,320$24,854,016$120,976,275
60$139,540,733$38,084,646$25,638,737$132,948,486
61$153,724,491$39,901,397$26,448,238$146,128,314
62$169,353,437$41,805,613$27,283,302$160,638,413
63$186,574,930$43,801,531$28,144,735$176,613,925
64$205,551,359$45,893,593$29,033,370$194,203,757
65$226,461,677$48,086,458$29,950,067$213,571,977
66$249,503,086$50,385,012$30,895,712$234,899,370
67$274,892,901$52,794,378$31,871,219$258,385,130
68$302,870,603$55,319,929$32,877,531$284,248,747
69$333,700,098$57,967,298$33,915,621$312,732,070
70$367,672,207$60,742,395$34,986,494$344,101,588
71$405,107,414$63,651,414$36,091,183$378,650,942
72$446,358,890$66,700,854$37,230,758$416,703,696
73$491,815,829$69,897,527$38,406,320$458,616,381
74$541,907,117$73,248,580$39,619,005$504,781,864
75$597,105,388$76,761,505$40,869,987$555,633,049
76$657,931,481$80,444,162$42,160,475$611,646,958
77$724,959,358$84,304,792$43,491,717$673,349,232
78$798,821,523$88,352,037$44,864,999$741,319,088
79$880,214,991$92,594,960$46,281,650$816,194,781
80$969,907,875$97,043,068$47,743,040$898,679,624
81$1,068,746,628$101,706,327$49,250,581$989,548,624
82$1,177,664,040$106,595,193$50,805,732$1,089,655,790
83$1,297,688,043$111,720,630$52,409,996$1,199,942,194
84$1,429,951,417$117,094,134$54,064,924$1,321,444,841
85$1,575,702,480$122,727,764$55,772,116$1,455,306,460
86$1,736,316,875$128,634,167$57,533,225$1,602,786,283
87$1,913,310,560$134,826,605$59,349,952$1,765,271,922
88$2,108,354,116$141,318,987$61,224,054$1,944,292,467
89$2,323,288,519$148,125,902$63,157,343$2,141,532,910
90$2,560,142,524$155,262,647$65,151,690$2,358,850,046
91$2,821,151,813$162,745,267$67,209,023$2,598,289,995
92$3,108,780,103$170,590,591$69,331,331$2,862,107,507
93$3,425,742,410$178,816,266$71,520,666$3,152,787,240
94$3,775,030,674$187,440,801$73,779,147$3,473,067,211
95$4,159,942,011$196,483,609$76,108,957$3,825,964,628
96$4,584,109,838$205,965,047$78,512,348$4,214,804,372
97$5,051,538,176$215,906,469$80,991,647$4,643,250,368
98$5,566,639,452$226,330,269$83,549,249$5,115,340,170
99$6,134,276,156$237,259,932$86,187,629$5,635,523,063
100$6,759,806,748$248,720,093$88,909,339$6,208,702,056