Can I retire at age 35 with 11,600,000?

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 $11,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$957,917$949,385$941,060$932,934$925,000$915,340
2 years$474,216$465,385$456,825$448,526$440,476$430,748
3 years$313,004$304,134$295,596$287,375$279,456$269,962
4 years$232,413$223,571$215,118$207,038$199,311$190,123
5 years$184,072$175,282$166,941$159,025$151,513$142,659
6 years$151,855$143,131$134,913$127,173$119,887$111,378
7 years$128,851$120,201$112,113$104,556$97,500$89,340
8 years$111,607$103,035$95,081$87,710$80,886$73,074
9 years$98,201$89,710$81,893$74,709$68,118$60,650
10 years$87,483$79,075$71,396$64,400$58,040$50,913
11 years$78,720$70,396$62,856$56,047$49,916$43,124
12 years$71,422$63,184$55,783$49,161$43,256$36,791
13 years$65,252$57,100$49,839$43,402$37,720$31,575
14 years$59,968$51,902$44,780$38,527$33,065$27,232
15 years$55,392$47,413$40,431$34,360$29,113$23,583
16 years$51,392$43,501$36,656$30,765$25,730$20,493
17 years$47,867$40,063$33,356$27,642$22,814$17,861
18 years$44,737$37,020$30,449$24,911$20,285$15,605
19 years$41,939$34,309$27,875$22,509$18,081$13,664
20 years$39,425$31,882$25,582$20,387$16,150$11,987
21 years$37,153$29,697$23,531$18,502$14,453$10,533
22 years$35,090$27,721$21,687$16,823$12,955$9,267
23 years$33,209$25,927$20,024$15,321$11,629$8,164
24 years$31,488$24,292$18,519$13,973$10,452$7,200
25 years$29,907$22,797$17,152$12,761$9,405$6,356
26 years$28,449$21,425$15,908$11,668$8,472$5,615
27 years$27,102$20,164$14,772$10,680$7,638$4,964
28 years$25,854$19,000$13,732$9,785$6,892$4,391
29 years$24,694$17,924$12,779$8,973$6,223$3,887
30 years$23,613$16,928$11,903$8,235$5,623$3,442
31 years$22,603$16,002$11,097$7,564$5,084$3,049
32 years$21,659$15,141$10,354$6,951$4,599$2,702
33 years$20,774$14,339$9,667$6,392$4,162$2,396
34 years$19,943$13,590$9,033$5,881$3,768$2,125
35 years$19,160$12,890$8,445$5,414$3,413$1,885
36 years$18,423$12,235$7,900$4,986$3,092$1,672
37 years$17,728$11,620$7,394$4,594$2,803$1,484
38 years$17,071$11,043$6,924$4,235$2,541$1,317
39 years$16,449$10,501$6,487$3,904$2,304$1,169
40 years$15,859$9,991$6,081$3,601$2,090$1,038
41 years$15,300$9,510$5,702$3,323$1,896$922
42 years$14,768$9,057$5,348$3,066$1,720$819
43 years$14,263$8,630$5,019$2,831$1,561$727
44 years$13,782$8,226$4,711$2,614$1,417$646
45 years$13,324$7,844$4,423$2,414$1,287$574
46 years$12,887$7,483$4,155$2,230$1,168$510
47 years$12,470$7,141$3,903$2,060$1,061$453
48 years$12,072$6,817$3,668$1,903$963$402
49 years$11,690$6,510$3,448$1,759$875$358
50 years$11,326$6,219$3,241$1,626$795$318

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,600,000, adding $5,122 every year, while hoping to spend $42,813 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: 40/42/18 Blend
34$11,600,000$11,600,000$11,600,000$11,600,000
35$12,788,483$12,173,683$11,993,883$13,231,511
36$14,047,356$12,724,641$12,350,126$14,098,861
37$15,433,199$13,301,161$12,716,867$15,032,066
38$16,958,917$13,904,450$13,094,415$16,040,734
39$18,638,732$14,535,774$13,483,083$17,131,752
40$20,488,314$15,196,457$13,883,197$18,312,671
41$22,524,928$15,887,890$14,295,091$19,591,776
42$24,767,601$16,611,527$14,719,107$20,978,160
43$27,237,299$17,368,894$15,155,599$22,481,800
44$29,957,123$18,161,590$15,604,931$24,113,654
45$32,952,530$18,991,288$16,067,477$25,885,749
46$36,251,572$19,859,745$16,543,621$27,811,296
47$39,885,159$20,768,799$17,033,759$29,904,805
48$43,887,354$21,720,379$17,538,299$32,182,215
49$48,295,690$22,716,504$18,057,658$34,661,040
50$53,151,530$23,759,292$18,592,269$37,360,524
51$58,500,450$24,850,962$19,142,574$40,301,818
52$64,392,676$25,993,838$19,709,030$43,508,171
53$70,883,551$27,190,359$20,292,105$47,005,140
54$78,034,064$28,443,078$20,892,282$50,820,824
55$85,911,423$29,754,672$21,510,057$54,986,120
56$94,589,685$31,127,948$22,145,941$59,535,004
57$104,150,461$32,565,846$22,800,459$64,504,843
58$114,683,685$34,071,450$23,474,151$69,936,739
59$126,288,459$35,647,988$24,167,572$75,875,903
60$139,073,991$37,298,849$24,881,296$82,372,074
61$153,160,627$39,027,582$25,615,908$89,479,971
62$168,680,984$40,837,906$26,372,014$97,259,806
63$185,781,204$42,733,723$27,150,236$105,777,831
64$204,622,331$44,719,120$27,951,213$115,106,955
65$225,381,834$46,798,382$28,775,604$125,327,417
66$248,255,279$48,976,000$29,624,084$136,527,527
67$273,458,176$51,256,683$30,497,350$148,804,487
68$301,228,016$53,645,367$31,396,117$162,265,289
69$331,826,509$56,147,225$32,321,123$177,027,713
70$365,542,055$58,767,681$33,273,122$193,221,416
71$402,692,468$61,512,421$34,252,895$210,989,140
72$443,627,975$64,387,404$35,261,242$230,488,041
73$488,734,520$67,398,879$36,298,985$251,891,149
74$538,437,413$70,553,396$37,366,973$275,388,983
75$593,205,338$73,857,821$38,466,075$301,191,328
76$653,554,781$77,319,353$39,597,188$329,529,190
77$720,054,906$80,945,539$40,761,231$360,656,952
78$793,332,927$84,744,291$41,959,153$394,854,751
79$874,080,027$88,723,902$43,191,926$432,431,099
80$963,057,886$92,893,070$44,460,551$473,725,761
81$1,061,105,870$97,260,910$45,766,060$519,112,937
82$1,169,148,955$101,836,981$47,109,509$569,004,767
83$1,288,206,459$106,631,303$48,491,988$623,855,182
84$1,419,401,663$111,654,383$49,914,615$684,164,164
85$1,563,972,421$116,917,235$51,378,542$750,482,424
86$1,723,282,837$122,431,409$52,884,953$823,416,570
87$1,898,836,150$128,209,011$54,435,062$903,634,789
88$2,092,288,922$134,262,738$56,030,122$991,873,122
89$2,305,466,679$140,605,899$57,671,418$1,088,942,363
90$2,540,381,143$147,252,451$59,360,273$1,195,735,674
91$2,799,249,222$154,217,024$61,098,045$1,313,236,969
92$3,084,513,946$161,514,961$62,886,133$1,442,530,155
93$3,398,867,523$169,162,349$64,725,972$1,584,809,312
94$3,745,276,759$177,176,052$66,619,041$1,741,389,915
95$4,127,011,066$185,573,757$68,566,857$1,913,721,195
96$4,547,673,330$194,374,006$70,570,981$2,103,399,765
97$5,011,233,919$203,596,241$72,633,019$2,312,184,628
98$5,522,068,172$213,260,850$74,754,618$2,542,013,723
99$6,084,997,703$223,389,210$76,937,476$2,795,022,151
100$6,705,335,922$234,003,734$79,183,334$3,073,562,265