Can I retire at age 35 with 12,500,000?

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 $12,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$965,634
2 years$511,009$501,492$492,268$483,326$474,651$443,562
3 years$337,289$327,731$318,530$309,671$301,138$271,068
4 years$250,446$240,917$231,808$223,101$214,774$185,954
5 years$198,353$188,882$179,893$171,363$163,268$135,775
6 years$163,636$154,236$145,380$137,040$129,188$103,047
7 years$138,848$129,527$120,812$112,668$105,065$80,272
8 years$120,266$111,029$102,458$94,515$87,161$63,702
9 years$105,820$96,670$88,247$80,506$73,402$51,250
10 years$94,271$85,210$76,936$69,397$62,543$41,664
11 years$84,827$75,858$67,733$60,396$53,789$34,147
12 years$76,963$68,086$60,111$52,975$46,612$28,165
13 years$70,314$61,530$53,705$46,769$40,647$23,351
14 years$64,620$55,929$48,255$41,516$35,631$19,440
15 years$59,690$51,092$43,567$37,025$31,372$16,239
16 years$55,380$46,876$39,500$33,152$27,727$13,603
17 years$51,581$43,171$35,944$29,787$24,584$11,420
18 years$48,208$39,892$32,812$26,844$21,859$9,606
19 years$45,193$36,971$30,038$24,256$19,484$8,093
20 years$42,484$34,356$27,567$21,968$17,403$6,828
21 years$40,035$32,001$25,356$19,938$15,574$5,766
22 years$37,812$29,872$23,370$18,128$13,960$4,874
23 years$35,786$27,938$21,578$16,509$12,531$4,124
24 years$33,931$26,176$19,956$15,058$11,263$3,491
25 years$32,227$24,565$18,483$13,752$10,135$2,957
26 years$30,657$23,087$17,142$12,574$9,129$2,506
27 years$29,205$21,728$15,918$11,509$8,231$2,124
28 years$27,860$20,474$14,798$10,545$7,427$1,801
29 years$26,609$19,315$13,771$9,670$6,706$1,528
30 years$25,445$18,241$12,827$8,874$6,060$1,297
31 years$24,357$17,244$11,958$8,150$5,478$1,100
32 years$23,340$16,316$11,157$7,490$4,956$934
33 years$22,386$15,452$10,418$6,888$4,485$793
34 years$21,490$14,645$9,734$6,338$4,061$673
35 years$20,647$13,890$9,100$5,834$3,678$572
36 years$19,853$13,184$8,513$5,373$3,332$485
37 years$19,103$12,522$7,968$4,951$3,020$412
38 years$18,395$11,900$7,462$4,563$2,738$350
39 years$17,725$11,316$6,991$4,207$2,483$297
40 years$17,089$10,766$6,552$3,881$2,252$253
41 years$16,487$10,248$6,144$3,580$2,043$215
42 years$15,914$9,760$5,763$3,304$1,854$182
43 years$15,370$9,299$5,408$3,050$1,683$155
44 years$14,852$8,864$5,077$2,816$1,527$132
45 years$14,358$8,453$4,767$2,601$1,387$112
46 years$13,887$8,064$4,477$2,403$1,259$95
47 years$13,438$7,695$4,206$2,220$1,143$81
48 years$13,008$7,346$3,953$2,051$1,038$68
49 years$12,597$7,015$3,715$1,896$943$58
50 years$12,204$6,701$3,493$1,752$856$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,500,000, adding $4,723 every year, while hoping to spend $36,990 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: 62/31/7 Blend
34$12,500,000$12,500,000$12,500,000$12,500,000
35$13,779,872$13,117,372$12,923,622$14,615,164
36$15,146,062$13,720,766$13,317,206$15,776,863
37$16,650,363$14,352,487$13,722,736$17,039,530
38$18,306,825$15,013,883$14,140,572$18,416,701
39$20,130,926$15,706,368$14,571,086$19,919,442
40$22,139,725$16,431,425$15,014,662$21,559,916
41$24,352,018$17,190,606$15,471,694$23,351,498
42$26,788,517$17,985,539$15,942,590$25,308,900
43$29,472,046$18,817,931$16,427,767$27,448,301
44$32,427,755$19,689,569$16,927,657$29,787,496
45$35,683,357$20,602,329$17,442,704$32,346,063
46$39,269,391$21,558,175$17,973,367$35,145,540
47$43,219,511$22,559,167$18,520,116$38,209,624
48$47,570,799$23,607,464$19,083,438$41,564,387
49$52,364,119$24,705,329$19,663,832$45,238,524
50$57,644,503$25,855,134$20,261,814$49,263,609
51$63,461,572$27,059,365$20,877,914$53,674,394
52$69,870,008$28,320,630$21,512,680$58,509,126
53$76,930,068$29,641,660$22,166,674$63,809,905
54$84,708,154$31,025,320$22,840,477$69,623,073
55$93,277,438$32,474,613$23,534,685$75,999,644
56$102,718,554$33,992,687$24,249,914$82,995,778
57$113,120,359$35,582,840$24,986,799$90,673,305
58$124,580,769$37,248,534$25,745,991$99,100,299
59$137,207,689$38,993,394$26,528,163$108,351,711
60$151,120,025$40,821,222$27,334,008$118,510,070
61$166,448,810$42,736,003$28,164,239$129,666,250
62$183,338,438$44,741,917$29,019,591$141,920,321
63$201,948,032$46,843,344$29,900,821$155,382,480
64$222,452,940$49,044,877$30,808,707$170,174,083
65$245,046,395$51,351,331$31,744,053$186,428,776
66$269,941,334$53,767,753$32,707,686$204,293,751
67$297,372,414$56,299,437$33,700,457$223,931,116
68$327,598,221$58,951,930$34,723,244$245,519,416
69$360,903,716$61,731,051$35,776,949$269,255,306
70$397,602,922$64,642,899$36,862,503$295,355,388
71$438,041,888$67,693,869$37,980,865$324,058,247
72$482,601,957$70,890,666$39,133,021$355,626,685
73$531,703,367$74,240,319$40,319,987$390,350,183
74$585,809,216$77,750,200$41,542,812$428,547,622
75$645,429,832$81,428,036$42,802,573$470,570,270
76$711,127,596$85,281,930$44,100,379$516,805,083
77$783,522,245$89,320,379$45,437,376$567,678,338
78$863,296,726$93,552,290$46,814,741$623,659,632
79$951,203,644$97,987,004$48,233,687$685,266,302
80$1,048,072,364$102,634,315$49,695,463$753,068,276
81$1,154,816,839$107,504,491$51,201,355$827,693,440
82$1,272,444,246$112,608,300$52,752,690$909,833,533
83$1,402,064,485$117,957,033$54,350,831$1,000,250,654
84$1,544,900,663$123,562,528$55,997,184$1,099,784,431
85$1,702,300,637$129,437,198$57,693,197$1,209,359,915
86$1,875,749,742$135,594,061$59,440,359$1,329,996,288
87$2,066,884,811$142,046,765$61,240,205$1,462,816,449
88$2,277,509,627$148,809,622$63,094,318$1,609,057,585
89$2,509,611,956$155,897,640$65,004,324$1,770,082,814
90$2,765,382,306$163,326,555$66,971,900$1,947,394,020
91$3,047,234,616$171,112,871$68,998,773$2,142,645,992
92$3,357,829,035$179,273,890$71,086,720$2,357,662,009
93$3,700,097,045$187,827,758$73,237,573$2,594,451,009
94$4,077,269,129$196,793,504$75,453,218$2,855,226,512
95$4,492,905,274$206,191,080$77,735,595$3,142,427,473
96$4,950,928,579$216,041,410$80,086,705$3,458,741,260
97$5,455,662,291$226,366,436$82,508,606$3,807,128,973
98$6,011,870,620$237,189,167$85,003,419$4,190,853,346
99$6,624,803,718$248,533,730$87,573,328$4,613,509,500
100$7,300,247,244$260,425,430$90,220,582$5,079,058,819