Can I retire at age 35 with 11,900,000?

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 $11,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$982,691$973,938$965,398$957,062$948,923$941,365
2 years$486,481$477,420$468,640$460,126$451,868$444,250
3 years$321,099$311,999$303,241$294,807$286,684$279,241
4 years$238,424$229,353$220,682$212,392$204,465$197,255
5 years$188,832$179,815$171,258$163,137$155,431$148,475
6 years$155,782$146,833$138,402$130,462$122,987$116,294
7 years$132,184$123,310$115,013$107,260$100,022$93,594
8 years$114,493$105,699$97,540$89,978$82,978$76,815
9 years$100,741$92,030$84,011$76,641$69,879$63,981
10 years$89,746$81,120$73,243$66,065$59,541$53,903
11 years$80,756$72,217$64,482$57,497$51,207$45,826
12 years$73,269$64,818$57,226$50,432$44,375$39,245
13 years$66,939$58,576$51,128$44,524$38,696$33,812
14 years$61,518$53,244$45,938$39,524$33,920$29,276
15 years$56,825$48,640$41,476$35,248$29,866$25,456
16 years$52,721$44,626$37,604$31,561$26,396$22,212
17 years$49,105$41,099$34,218$28,357$23,404$19,440
18 years$45,894$37,977$31,237$25,556$20,810$17,058
19 years$43,024$35,197$28,596$23,092$18,548$15,001
20 years$40,444$32,707$26,244$20,914$16,568$13,217
21 years$38,113$30,465$24,139$18,981$14,826$11,665
22 years$35,997$28,438$22,248$17,258$13,290$10,311
23 years$34,068$26,597$20,542$15,717$11,930$9,125
24 years$32,302$24,920$18,998$14,335$10,723$8,084
25 years$30,680$23,386$17,596$13,091$9,649$7,170
26 years$29,185$21,979$16,319$11,970$8,691$6,364
27 years$27,803$20,685$15,154$10,957$7,836$5,653
28 years$26,523$19,491$14,088$10,039$7,070$5,025
29 years$25,332$18,388$13,110$9,206$6,384$4,469
30 years$24,223$17,365$12,211$8,448$5,769$3,977
31 years$23,188$16,416$11,384$7,759$5,215$3,541
32 years$22,219$15,533$10,622$7,131$4,718$3,154
33 years$21,311$14,710$9,917$6,557$4,270$2,810
34 years$20,458$13,942$9,266$6,033$3,866$2,504
35 years$19,656$13,223$8,663$5,554$3,501$2,233
36 years$18,900$12,551$8,104$5,115$3,172$1,991
37 years$18,186$11,921$7,586$4,713$2,875$1,776
38 years$17,512$11,329$7,104$4,344$2,607$1,584
39 years$16,874$10,773$6,655$4,005$2,364$1,414
40 years$16,269$10,249$6,238$3,694$2,144$1,262
41 years$15,695$9,756$5,849$3,409$1,945$1,126
42 years$15,150$9,292$5,487$3,146$1,765$1,005
43 years$14,632$8,853$5,149$2,904$1,602$898
44 years$14,139$8,439$4,833$2,681$1,454$801
45 years$13,669$8,047$4,538$2,476$1,320$716
46 years$13,221$7,677$4,262$2,287$1,198$639
47 years$12,793$7,326$4,004$2,113$1,088$571
48 years$12,384$6,994$3,763$1,953$988$510
49 years$11,993$6,678$3,537$1,805$898$455
50 years$11,619$6,379$3,325$1,668$815$407

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $11,900,000, adding $4,394 every year, while hoping to spend $59,953 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: 79/9/12 Blend
34$11,900,000$11,900,000$11,900,000$11,900,000
35$13,118,332$12,487,632$12,303,182$14,124,952
36$14,392,613$13,035,737$12,651,549$15,335,348
37$15,794,860$13,608,689$13,009,578$16,654,790
38$17,338,065$14,207,643$13,377,527$18,100,638
39$19,036,538$14,833,808$13,755,664$19,685,498
40$20,906,050$15,488,450$14,144,264$21,423,253
41$22,963,977$16,172,895$14,543,608$23,329,191
42$25,229,467$16,888,530$14,953,982$25,420,147
43$27,723,616$17,636,812$15,375,685$27,714,664
44$30,469,672$18,419,263$15,809,017$30,233,161
45$33,493,250$19,237,479$16,254,291$32,998,128
46$36,822,578$20,093,131$16,711,825$36,034,335
47$40,488,756$20,987,970$17,181,947$39,369,067
48$44,526,058$21,923,829$17,664,991$43,032,375
49$48,972,250$22,902,631$18,161,302$47,057,361
50$53,868,946$23,926,386$18,671,233$51,480,489
51$59,262,004$24,997,204$19,195,144$56,341,924
52$65,201,953$26,117,292$19,733,406$61,685,913
53$71,744,477$27,288,964$20,286,400$67,561,197
54$78,950,934$28,514,644$20,854,515$74,021,471
55$86,888,938$29,796,870$21,438,150$81,125,889
56$95,632,996$31,138,303$22,037,714$88,939,616
57$105,265,212$32,541,730$22,653,628$97,534,446
58$115,876,060$34,010,071$23,286,321$106,989,474
59$127,565,239$35,546,386$23,936,233$117,391,839
60$140,442,613$37,153,879$24,603,817$128,837,545
61$154,629,250$38,835,909$25,289,535$141,432,368
62$170,258,561$40,595,996$25,993,862$155,292,842
63$187,477,561$42,437,826$26,717,283$170,547,365
64$206,448,256$44,365,264$27,460,297$187,337,405
65$227,349,175$46,382,358$28,223,413$205,818,828
66$250,377,047$48,493,350$29,007,154$226,163,371
67$275,748,668$50,702,686$29,812,055$248,560,257
68$303,702,938$53,015,024$30,638,665$273,217,978
69$334,503,123$55,435,246$31,487,546$300,366,257
70$368,439,335$57,968,467$32,359,272$330,258,215
71$405,831,273$60,620,047$33,254,434$363,172,755
72$447,031,240$63,395,606$34,173,634$399,417,191
73$492,427,465$66,301,030$35,117,490$439,330,142
74$542,447,776$69,342,490$36,086,635$483,284,725
75$597,563,629$72,526,451$37,081,717$531,692,073
76$658,294,563$75,859,691$38,103,398$585,005,209
77$725,213,105$79,349,313$39,152,359$643,723,319
78$798,950,172$83,002,759$40,229,293$708,396,456
79$880,201,027$86,827,833$41,334,912$779,630,728
80$969,731,845$90,832,710$42,469,945$858,094,013
81$1,068,386,942$95,025,960$43,635,136$944,522,259
82$1,177,096,745$99,416,568$44,831,249$1,039,726,421
83$1,296,886,580$104,013,946$46,059,062$1,144,600,112
84$1,428,886,345$108,827,964$47,319,375$1,260,128,032
85$1,574,341,183$113,868,965$48,613,005$1,387,395,254
86$1,734,623,230$119,147,791$49,940,787$1,527,597,461
87$1,911,244,572$124,675,805$51,303,576$1,682,052,226
88$2,105,871,519$130,464,920$52,702,246$1,852,211,436
89$2,320,340,335$136,527,621$54,137,692$2,039,674,998
90$2,556,674,572$142,876,998$55,610,827$2,246,205,927
91$2,817,104,176$149,526,768$57,122,588$2,473,746,979
92$3,104,086,537$156,491,315$58,673,930$2,724,438,988
93$3,420,329,687$163,785,713$60,265,830$3,000,641,057
94$3,768,817,868$171,425,766$61,899,288$3,304,952,824
95$4,152,839,702$179,428,040$63,575,325$3,640,238,990
96$4,576,019,239$187,809,901$65,294,986$4,009,656,350
97$5,042,350,170$196,589,555$67,059,337$4,416,683,583
98$5,556,233,530$205,786,086$68,869,468$4,865,154,082
99$6,122,519,248$215,419,502$70,726,493$5,359,292,125
100$6,746,551,931$225,510,777$72,631,550$5,903,752,743