Can I retire at age 35 with 11,700,000?

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 $11,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$966,175$957,569$949,172$940,977$932,974$901,666
2 years$478,304$469,397$460,763$452,393$444,274$413,040
3 years$315,702$306,756$298,144$289,852$281,865$251,687
4 years$234,417$225,498$216,973$208,822$201,029$172,137
5 years$185,659$176,793$168,380$160,396$152,819$125,290
6 years$153,164$144,365$136,076$128,270$120,920$94,776
7 years$129,962$121,237$113,080$105,458$98,341$73,578
8 years$112,569$103,923$95,901$88,466$81,583$58,182
9 years$99,048$90,484$82,599$75,353$68,705$46,638
10 years$88,237$79,757$72,012$64,955$58,540$37,772
11 years$79,398$71,003$63,398$56,530$50,346$30,837
12 years$72,038$63,728$56,264$49,585$43,629$25,334
13 years$65,814$57,592$50,268$43,776$38,045$20,919
14 years$60,484$52,349$45,166$38,859$33,350$17,343
15 years$55,870$47,822$40,779$34,656$29,364$14,425
16 years$51,835$43,876$36,972$31,030$25,952$12,031
17 years$48,280$40,408$33,643$27,881$23,011$10,057
18 years$45,122$37,339$30,712$25,126$20,460$8,422
19 years$42,301$34,605$28,115$22,704$18,237$7,063
20 years$39,765$32,157$25,803$20,562$16,289$5,931
21 years$37,473$29,953$23,734$18,662$14,577$4,986
22 years$35,392$27,960$21,874$16,968$13,066$4,195
23 years$33,495$26,150$20,197$15,453$11,729$3,532
24 years$31,759$24,501$18,679$14,094$10,542$2,976
25 years$30,164$22,993$17,300$12,871$9,487$2,509
26 years$28,695$21,610$16,045$11,769$8,545$2,116
27 years$27,336$20,337$14,899$10,772$7,704$1,785
28 years$26,077$19,164$13,851$9,870$6,952$1,506
29 years$24,906$18,079$12,889$9,051$6,277$1,271
30 years$23,816$17,074$12,006$8,306$5,672$1,073
31 years$22,798$16,140$11,193$7,629$5,128$906
32 years$21,846$15,272$10,443$7,011$4,638$766
33 years$20,953$14,463$9,751$6,447$4,198$647
34 years$20,114$13,707$9,111$5,932$3,801$546
35 years$19,326$13,001$8,518$5,461$3,442$462
36 years$18,582$12,340$7,968$5,029$3,119$390
37 years$17,881$11,720$7,458$4,634$2,827$330
38 years$17,218$11,138$6,984$4,271$2,563$278
39 years$16,590$10,592$6,543$3,938$2,324$235
40 years$15,996$10,077$6,133$3,632$2,108$199
41 years$15,432$9,592$5,751$3,351$1,912$168
42 years$14,896$9,135$5,395$3,093$1,735$142
43 years$14,386$8,704$5,062$2,855$1,575$120
44 years$13,901$8,297$4,752$2,636$1,430$101
45 years$13,439$7,912$4,462$2,435$1,298$86
46 years$12,998$7,548$4,190$2,249$1,178$73
47 years$12,578$7,203$3,937$2,078$1,070$61
48 years$12,176$6,876$3,700$1,920$972$52
49 years$11,791$6,566$3,477$1,774$883$44
50 years$11,423$6,272$3,269$1,640$802$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,700,000, adding $5,885 every year, while hoping to spend $36,030 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: 52/35/13 Blend
34$11,700,000$11,700,000$11,700,000$11,700,000
35$12,899,470$12,279,370$12,098,020$13,525,260
36$14,176,881$12,842,724$12,464,968$14,516,714
37$15,583,379$13,432,474$12,843,002$15,590,102
38$17,132,095$14,049,877$13,232,453$16,756,675
39$18,837,495$14,696,247$13,633,667$18,025,253
40$20,715,521$15,372,964$14,046,996$19,405,525
41$22,783,738$16,081,473$14,472,804$20,908,137
42$25,061,503$16,823,289$14,911,467$22,544,787
43$27,570,145$17,600,000$15,363,370$24,328,332
44$30,333,169$18,413,268$15,828,912$26,272,907
45$33,376,474$19,264,840$16,308,502$28,394,047
46$36,728,599$20,156,542$16,802,561$30,708,836
47$40,420,994$21,090,291$17,311,525$33,236,056
48$44,488,315$22,068,094$17,835,841$35,996,366
49$48,968,751$23,092,059$18,375,970$39,012,483
50$53,904,384$24,164,390$18,932,385$42,309,396
51$59,341,587$25,287,401$19,505,576$45,914,595
52$65,331,463$26,463,517$20,096,046$49,858,320
53$71,930,322$27,695,280$20,704,314$54,173,843
54$79,200,219$28,985,352$21,330,912$58,897,774
55$87,209,535$30,336,528$21,976,391$64,070,398
56$96,033,624$31,751,735$22,641,317$69,736,045
57$105,755,525$33,234,041$23,326,273$75,943,507
58$116,466,744$34,786,665$24,031,858$82,746,481
59$128,268,118$36,412,977$24,758,691$90,204,073
60$141,270,767$38,116,515$25,507,409$98,381,343
61$155,597,145$39,900,984$26,278,667$107,349,910
62$171,382,192$41,770,270$27,073,140$117,188,618
63$188,774,608$43,728,446$27,891,523$127,984,268
64$207,938,261$45,779,783$28,734,533$139,832,427
65$229,053,730$47,928,757$29,602,905$152,838,315
66$252,320,007$50,180,064$30,497,399$167,117,791
67$277,956,383$52,538,622$31,418,797$182,798,427
68$306,204,511$55,009,591$32,367,904$200,020,703
69$337,330,690$57,598,380$33,345,547$218,939,317
70$371,628,378$60,310,659$34,352,582$239,724,629
71$409,420,965$63,152,373$35,389,885$262,564,253
72$451,064,820$66,129,756$36,458,363$287,664,816
73$496,952,660$69,249,343$37,558,947$315,253,884
74$547,517,256$72,517,985$38,692,596$345,582,097
75$603,235,516$75,942,866$39,860,298$378,925,513
76$664,632,991$79,531,519$41,063,070$415,588,196
77$732,288,833$83,291,841$42,301,960$455,905,064
78$806,841,265$87,232,111$43,578,046$500,245,029
79$888,993,602$91,361,013$44,892,438$549,014,457
80$979,520,895$95,687,648$46,246,281$602,660,978
81$1,079,277,245$100,221,561$47,640,750$661,677,690
82$1,189,203,867$104,972,761$49,077,058$726,607,783
83$1,310,337,975$109,951,740$50,556,454$798,049,644
84$1,443,822,575$115,169,502$52,080,221$876,662,472
85$1,590,917,253$120,637,583$53,649,684$963,172,477
86$1,753,010,069$126,368,080$55,266,204$1,058,379,695
87$1,931,630,658$132,373,679$56,931,185$1,163,165,516
88$2,128,464,675$138,667,679$58,646,069$1,278,500,964
89$2,345,369,704$145,264,027$60,412,344$1,405,455,830
90$2,584,392,796$152,177,347$62,231,541$1,545,208,733
91$2,847,789,799$159,422,975$64,105,235$1,699,058,204
92$3,138,046,648$167,016,990$66,035,050$1,868,434,908
93$3,457,902,838$174,976,254$68,022,655$2,054,915,098
94$3,810,377,285$183,318,448$70,069,772$2,260,235,460
95$4,198,796,829$192,062,113$72,178,170$2,486,309,449
96$4,626,827,640$201,226,690$74,349,673$2,735,245,313
97$5,098,509,829$210,832,569$76,586,157$3,009,365,935
98$5,618,295,594$220,901,127$78,889,556$3,311,230,711
99$6,191,091,247$231,454,784$81,261,858$3,643,659,653
100$6,822,303,535$242,517,050$83,705,111$4,009,759,952