Can I retire at age 35 with 11,500,000?

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$949,659$941,200$932,947$924,892$917,026$889,096
2 years$470,128$461,373$452,887$444,660$436,679$408,780
3 years$310,306$301,512$293,048$284,898$277,047$250,053
4 years$230,410$221,643$213,264$205,253$197,592$171,711
5 years$182,485$173,771$165,501$157,654$150,207$125,508
6 years$150,546$141,897$133,750$126,077$118,853$95,359
7 years$127,741$119,165$111,147$103,655$96,660$74,368
8 years$110,645$102,146$94,261$86,953$80,188$59,086
9 years$97,355$88,937$81,187$74,065$67,530$47,594
10 years$86,729$78,393$70,781$63,845$57,539$38,741
11 years$78,041$69,789$62,314$55,564$49,486$31,792
12 years$70,806$62,639$55,302$48,737$42,883$26,258
13 years$64,689$56,607$49,409$43,028$37,395$21,799
14 years$59,451$51,454$44,394$38,195$32,780$18,173
15 years$54,914$47,005$40,082$34,063$28,862$15,202
16 years$50,949$43,126$36,340$30,500$25,509$12,752
17 years$47,454$39,717$33,068$27,404$22,618$10,722
18 years$44,351$36,701$30,187$24,697$20,111$9,033
19 years$41,578$34,014$27,635$22,315$17,925$7,621
20 years$39,085$31,607$25,362$20,211$16,011$6,439
21 years$36,832$29,441$23,328$18,343$14,328$5,447
22 years$34,787$27,482$21,500$16,678$12,843$4,611
23 years$32,923$25,703$19,852$15,189$11,529$3,907
24 years$31,216$24,082$18,359$13,853$10,362$3,313
25 years$29,649$22,600$17,005$12,651$9,324$2,811
26 years$28,204$21,240$15,771$11,568$8,399$2,386
27 years$26,869$19,990$14,645$10,588$7,572$2,026
28 years$25,631$18,836$13,614$9,701$6,833$1,721
29 years$24,481$17,770$12,669$8,896$6,170$1,462
30 years$23,409$16,782$11,801$8,164$5,575$1,243
31 years$22,408$15,864$11,002$7,498$5,040$1,056
32 years$21,472$15,011$10,265$6,891$4,559$898
33 years$20,595$14,215$9,584$6,337$4,126$764
34 years$19,771$13,473$8,955$5,831$3,736$649
35 years$18,995$12,779$8,372$5,367$3,384$552
36 years$18,265$12,129$7,832$4,943$3,066$470
37 years$17,575$11,520$7,331$4,555$2,779$400
38 years$16,923$10,948$6,865$4,198$2,519$340
39 years$16,307$10,410$6,432$3,871$2,284$289
40 years$15,722$9,905$6,028$3,570$2,072$246
41 years$15,168$9,428$5,653$3,294$1,880$209
42 years$14,641$8,979$5,302$3,040$1,706$178
43 years$14,140$8,555$4,976$2,806$1,548$152
44 years$13,664$8,155$4,670$2,591$1,405$129
45 years$13,209$7,777$4,385$2,393$1,276$110
46 years$12,776$7,419$4,119$2,210$1,158$93
47 years$12,363$7,080$3,870$2,042$1,052$80
48 years$11,967$6,758$3,636$1,887$955$68
49 years$11,590$6,454$3,418$1,744$867$58
50 years$11,228$6,165$3,213$1,612$788$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,500,000, adding $3,243 every year, while hoping to spend $22,371 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: 32/44/24 Blend
34$11,500,000$11,500,000$11,500,000$11,500,000
35$12,676,345$12,066,845$11,888,595$12,988,398
36$13,945,530$12,634,318$12,263,061$13,792,458
37$15,343,421$13,228,847$12,649,321$14,655,677
38$16,883,125$13,851,735$13,047,747$15,585,011
39$18,579,080$14,504,346$13,458,723$16,586,281
40$20,447,200$15,188,113$13,882,644$17,665,854
41$22,505,019$15,904,535$14,319,917$18,830,709
42$24,771,860$16,655,187$14,770,964$20,088,491
43$27,269,016$17,441,717$15,236,217$21,447,577
44$30,019,950$18,265,856$15,716,125$22,917,150
45$33,050,518$19,129,416$16,211,149$24,507,280
46$36,389,214$20,034,300$16,721,765$26,229,011
47$40,067,434$20,982,501$17,248,464$28,094,456
48$44,119,777$21,976,109$17,791,753$30,116,907
49$48,584,372$23,017,316$18,352,154$32,310,951
50$53,503,233$24,108,420$18,930,207$34,692,598
51$58,922,661$25,251,830$19,526,467$37,279,426
52$64,893,677$26,450,074$20,141,507$40,090,735
53$71,472,504$27,705,800$20,775,920$43,147,722
54$78,721,102$29,021,786$21,430,316$46,473,670
55$86,707,746$30,400,946$22,105,323$50,094,155
56$95,507,677$31,846,333$22,801,592$54,037,282
57$105,203,806$33,361,149$23,519,791$58,333,933
58$115,887,502$34,948,753$24,260,612$63,018,049
59$127,659,452$36,612,667$25,024,768$68,126,938
60$140,630,610$38,356,582$25,812,992$73,701,615
61$154,923,249$40,184,371$26,626,043$79,787,173
62$170,672,108$42,100,093$27,464,704$86,433,194
63$188,025,672$44,108,006$28,329,780$93,694,206
64$207,147,567$46,212,575$29,222,104$101,630,176
65$228,218,109$48,418,481$30,142,535$110,307,064
66$251,436,003$50,730,633$31,091,956$119,797,428
67$277,020,220$53,154,180$32,071,282$130,181,090
68$305,212,068$55,694,520$33,081,455$141,545,867
69$336,277,460$58,357,313$34,123,446$153,988,387
70$370,509,437$61,148,496$35,198,256$167,614,976
71$408,230,922$64,074,296$36,306,921$182,542,639
72$449,797,779$67,141,239$37,450,506$198,900,147
73$495,602,166$70,356,173$38,630,111$216,829,223
74$546,076,238$73,726,277$39,846,871$236,485,857
75$601,696,228$77,259,079$41,101,955$258,041,753
76$662,986,945$80,962,475$42,396,572$281,685,924
77$730,526,722$84,844,745$43,731,966$307,626,444
78$804,952,883$88,914,572$45,109,422$336,092,386
79$886,967,753$93,181,063$46,530,264$367,335,948
80$977,345,295$97,653,766$47,995,859$401,634,809
81$1,076,938,412$102,342,697$49,507,617$439,294,708
82$1,186,686,999$107,258,358$51,066,991$480,652,298
83$1,307,626,820$112,411,765$52,675,482$526,078,287
84$1,440,899,281$117,814,467$54,334,636$575,980,896
85$1,587,762,211$123,478,579$56,046,050$630,809,672
86$1,749,601,732$129,416,805$57,811,368$691,059,692
87$1,927,945,350$135,642,470$59,632,290$757,276,185
88$2,124,476,370$142,169,545$61,510,566$830,059,635
89$2,341,049,793$149,012,686$63,448,004$910,071,403
90$2,579,709,826$156,187,262$65,446,465$998,039,914
91$2,842,709,180$163,709,389$67,507,874$1,094,767,480
92$3,132,530,340$171,595,973$69,634,211$1,201,137,819
93$3,451,909,000$179,864,741$71,827,523$1,318,124,337
94$3,803,859,891$188,534,287$74,089,918$1,446,799,252
95$4,191,705,243$197,624,109$76,423,573$1,588,343,658
96$4,619,106,147$207,154,660$78,830,732$1,744,058,596
97$5,090,097,123$217,147,388$81,313,711$1,915,377,275
98$5,609,124,207$227,624,787$83,874,897$2,103,878,520
99$6,181,086,924$238,610,449$86,516,754$2,311,301,601
100$6,811,384,547$250,129,118$89,241,823$2,539,562,567