Can I retire at age 35 with 12,100,000?

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 $12,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$999,207$990,306$981,623$973,147$964,871$955,988
2 years$494,657$485,444$476,516$467,859$459,462$450,513
3 years$326,495$317,243$308,337$299,762$291,502$282,763
4 years$242,431$233,207$224,391$215,962$207,902$199,440
5 years$192,006$182,837$174,136$165,879$158,043$149,885
6 years$158,400$149,300$140,728$132,655$125,054$117,209
7 years$134,405$125,382$116,946$109,063$101,703$94,174
8 years$116,417$107,476$99,179$91,490$84,372$77,159
9 years$102,434$93,577$85,423$77,929$71,054$64,154
10 years$91,254$82,484$74,474$67,176$60,541$53,952
11 years$82,113$73,430$65,565$58,463$52,067$45,783
12 years$74,500$65,907$58,188$51,280$45,121$39,134
13 years$68,064$59,561$51,987$45,273$39,346$33,651
14 years$62,552$54,139$46,710$40,188$34,490$29,080
15 years$57,780$49,457$42,173$35,841$30,368$25,234
16 years$53,608$45,376$38,236$32,091$26,839$21,973
17 years$49,930$41,789$34,793$28,834$23,798$19,191
18 years$46,665$38,615$31,762$25,985$21,160$16,803
19 years$43,747$35,788$29,077$23,480$18,860$14,745
20 years$41,124$33,256$26,685$21,265$16,846$12,964
21 years$38,754$30,977$24,545$19,300$15,076$11,416
22 years$36,602$28,916$22,622$17,548$13,513$10,068
23 years$34,641$27,044$20,887$15,981$12,130$8,890
24 years$32,845$25,339$19,317$14,576$10,903$7,858
25 years$31,196$23,779$17,892$13,311$9,811$6,952
26 years$29,676$22,349$16,594$12,171$8,837$6,157
27 years$28,271$21,033$15,409$11,141$7,968$5,456
28 years$26,968$19,819$14,324$10,207$7,189$4,838
29 years$25,758$18,697$13,330$9,360$6,492$4,293
30 years$24,630$17,657$12,416$8,590$5,866$3,811
31 years$23,578$16,692$11,576$7,890$5,303$3,384
32 years$22,593$15,794$10,800$7,251$4,797$3,007
33 years$21,669$14,957$10,084$6,668$4,341$2,672
34 years$20,802$14,176$9,422$6,135$3,931$2,376
35 years$19,986$13,446$8,809$5,647$3,560$2,113
36 years$19,218$12,762$8,241$5,201$3,226$1,879
37 years$18,492$12,121$7,713$4,792$2,924$1,672
38 years$17,806$11,519$7,223$4,417$2,650$1,488
39 years$17,158$10,954$6,767$4,073$2,403$1,324
40 years$16,543$10,421$6,343$3,757$2,180$1,179
41 years$15,959$9,920$5,948$3,466$1,978$1,050
42 years$15,405$9,448$5,579$3,199$1,795$934
43 years$14,878$9,002$5,235$2,953$1,629$832
44 years$14,377$8,581$4,914$2,726$1,478$741
45 years$13,899$8,182$4,614$2,518$1,342$660
46 years$13,443$7,806$4,334$2,326$1,219$588
47 years$13,008$7,449$4,071$2,149$1,107$524
48 years$12,592$7,111$3,826$1,985$1,005$467
49 years$12,194$6,791$3,596$1,835$913$416
50 years$11,814$6,487$3,381$1,696$829$370

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,100,000, adding $4,415 every year, while hoping to spend $38,971 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: 58/21/21 Blend
34$12,100,000$12,100,000$12,100,000$12,100,000
35$13,338,754$12,697,454$12,509,904$14,037,459
36$14,657,842$13,278,164$12,887,521$15,093,968
37$16,110,171$13,886,024$13,276,482$16,240,662
38$17,709,290$14,522,320$13,677,126$17,489,981
39$19,470,130$15,188,406$14,089,802$18,851,843
40$21,409,142$15,885,697$14,514,868$20,337,152
41$23,544,454$16,615,676$14,952,696$21,957,902
42$25,896,043$17,379,898$15,403,666$23,727,287
43$28,485,920$18,179,995$15,868,170$25,659,821
44$31,338,343$19,017,673$16,346,613$27,771,470
45$34,480,038$19,894,723$16,839,409$30,079,804
46$37,940,460$20,813,023$17,346,987$32,604,153
47$41,752,064$21,774,537$17,869,788$35,365,792
48$45,950,614$22,781,329$18,408,265$38,388,133
49$50,575,521$23,835,559$18,962,886$41,696,942
50$55,670,214$24,939,491$19,534,133$45,320,581
51$61,282,549$26,095,500$20,122,500$49,290,269
52$67,465,263$27,306,073$20,728,497$53,640,371
53$74,276,468$28,573,819$21,352,650$58,408,720
54$81,780,203$29,901,471$21,995,499$63,636,965
55$90,047,037$31,291,896$22,657,601$69,370,965
56$99,154,733$32,748,097$23,339,529$75,661,209
57$109,188,985$34,273,223$24,041,873$82,563,291
58$120,244,225$35,870,576$24,765,240$90,138,427
59$132,424,517$37,543,614$25,510,255$98,454,027
60$145,844,532$39,295,966$26,277,564$107,584,326
61$160,630,639$41,131,433$27,067,827$117,611,075
62$176,922,093$43,054,002$27,881,728$128,624,306
63$194,872,350$45,067,852$28,719,970$140,723,174
64$214,650,516$47,177,363$29,583,275$154,016,889
65$236,442,942$49,387,127$30,472,388$168,625,732
66$260,454,985$51,701,959$31,388,075$184,682,185
67$286,912,944$54,126,905$32,331,127$202,332,174
68$316,066,199$56,667,258$33,302,354$221,736,435
69$348,189,563$59,328,565$34,302,594$243,072,019
70$383,585,874$62,116,641$35,332,707$266,533,960
71$422,588,860$65,037,583$36,393,580$292,337,096
72$465,566,284$68,097,784$37,486,124$320,718,094
73$512,923,415$71,303,946$38,611,280$351,937,666
74$565,106,859$74,663,095$39,770,013$386,283,024
75$622,608,769$78,182,598$40,963,320$424,070,570
76$685,971,497$81,870,178$42,192,224$465,648,878
77$755,792,706$85,733,934$43,457,780$511,401,965
78$832,731,021$89,782,355$44,761,075$561,752,901
79$917,512,239$94,024,344$46,103,224$617,167,793
80$1,010,936,184$98,469,234$47,485,379$678,160,162
81$1,113,884,260$103,126,811$48,908,724$745,295,778
82$1,227,327,765$108,007,336$50,374,477$819,197,983
83$1,352,337,068$113,121,567$51,883,894$900,553,556
84$1,490,091,710$118,480,784$53,438,264$990,119,176
85$1,641,891,536$124,096,814$55,038,919$1,088,728,549
86$1,809,168,975$129,982,061$56,687,225$1,197,300,255
87$1,993,502,555$136,149,526$58,384,591$1,316,846,395
88$2,196,631,808$142,612,845$60,132,467$1,448,482,129
89$2,420,473,692$149,386,314$61,932,344$1,593,436,173
90$2,667,140,689$156,484,924$63,785,758$1,753,062,377
91$2,938,960,749$163,924,395$65,694,291$1,928,852,479
92$3,238,499,264$171,721,209$67,659,568$2,122,450,160
93$3,568,583,290$179,892,649$69,683,264$2,335,666,532
94$3,932,328,235$188,456,838$71,767,103$2,570,497,208
95$4,333,167,272$197,432,780$73,912,858$2,829,141,105
96$4,774,883,749$206,840,402$76,122,355$3,114,021,174
97$5,261,646,911$216,700,600$78,397,472$3,427,807,242
98$5,798,051,252$227,035,287$80,740,144$3,773,441,173
99$6,389,159,902$237,867,438$83,152,361$4,154,164,611
100$7,040,552,418$249,221,148$85,636,171$4,573,549,539