Can I retire at age 35 with 12,600,000?

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 $12,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$980,452
2 years$515,097$505,504$496,207$487,192$478,448$454,123
3 years$339,987$330,352$321,079$312,149$303,547$279,947
4 years$252,449$242,844$233,663$224,886$216,493$193,798
5 years$199,940$190,393$181,332$172,734$164,574$142,849
6 years$164,946$155,470$146,543$138,137$130,222$109,488
7 years$139,959$130,563$121,778$113,570$105,905$86,166
8 years$121,228$111,917$103,277$95,271$87,859$69,105
9 years$106,667$97,444$88,953$81,150$73,990$56,207
10 years$95,025$85,892$77,551$69,952$63,043$46,210
11 years$85,506$76,465$68,275$60,879$54,219$38,313
12 years$77,579$68,630$60,592$53,399$46,985$31,978
13 years$70,877$62,022$54,135$47,143$40,972$26,836
14 years$65,137$56,376$48,641$41,849$35,916$22,620
15 years$60,167$51,501$43,916$37,322$31,623$19,136
16 years$55,823$47,251$39,816$33,417$27,949$16,238
17 years$51,993$43,516$36,231$30,025$24,781$13,813
18 years$48,593$40,211$33,074$27,059$22,034$11,775
19 years$45,555$37,267$30,278$24,450$19,640$10,055
20 years$42,823$34,630$27,788$22,144$17,542$8,600
21 years$40,355$32,257$25,559$20,097$15,698$7,364
22 years$38,115$30,111$23,557$18,273$14,071$6,313
23 years$36,072$28,162$21,751$16,642$12,631$5,417
24 years$34,202$26,386$20,116$15,178$11,353$4,651
25 years$32,485$24,762$18,631$13,862$10,216$3,997
26 years$30,902$23,272$17,279$12,674$9,202$3,437
27 years$29,439$21,902$16,045$11,601$8,297$2,956
28 years$28,083$20,638$14,916$10,629$7,486$2,544
29 years$26,822$19,470$13,881$9,747$6,760$2,190
30 years$25,648$18,387$12,930$8,945$6,108$1,886
31 years$24,552$17,382$12,054$8,216$5,522$1,625
32 years$23,526$16,447$11,246$7,550$4,995$1,400
33 years$22,565$15,575$10,501$6,943$4,521$1,206
34 years$21,662$14,762$9,811$6,388$4,093$1,040
35 years$20,812$14,001$9,173$5,881$3,707$896
36 years$20,012$13,289$8,581$5,416$3,359$773
37 years$19,256$12,622$8,032$4,990$3,044$666
38 years$18,542$11,995$7,521$4,600$2,760$574
39 years$17,867$11,406$7,047$4,241$2,503$495
40 years$17,226$10,852$6,605$3,912$2,270$427
41 years$16,619$10,330$6,193$3,609$2,060$368
42 years$16,042$9,838$5,810$3,331$1,869$318
43 years$15,493$9,374$5,451$3,075$1,696$274
44 years$14,971$8,935$5,117$2,839$1,540$236
45 years$14,473$8,520$4,805$2,622$1,398$204
46 years$13,998$8,128$4,513$2,422$1,269$176
47 years$13,545$7,757$4,240$2,237$1,152$152
48 years$13,112$7,405$3,984$2,068$1,046$131
49 years$12,698$7,071$3,745$1,911$950$113
50 years$12,302$6,755$3,521$1,766$863$97

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,600,000, adding $6,940 every year, while hoping to spend $51,953 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: 52/33/15 Blend
34$12,600,000$12,600,000$12,600,000$12,600,000
35$13,892,359$13,224,559$13,029,259$14,558,152
36$15,254,102$13,817,284$13,410,461$15,607,400
37$16,753,001$14,437,312$13,802,693$16,741,899
38$18,402,992$15,085,926$14,206,268$17,974,639
39$20,219,430$15,764,469$14,621,510$19,314,932
40$22,219,233$16,474,349$15,048,752$20,773,013
41$24,421,045$17,217,042$15,488,336$22,360,130
42$26,845,409$17,994,094$15,940,612$24,088,645
43$29,514,960$18,807,124$16,405,942$25,972,144
44$32,454,642$19,657,829$16,884,697$28,025,568
45$35,691,939$20,547,987$17,377,259$30,265,340
46$39,257,140$21,479,461$17,884,019$32,709,522
47$43,183,616$22,454,203$18,405,382$35,377,977
48$47,508,144$23,474,258$18,941,761$38,292,551
49$52,271,247$24,541,769$19,493,583$41,477,274
50$57,517,581$25,658,983$20,061,285$44,958,580
51$63,296,353$26,828,252$20,645,317$48,765,553
52$69,661,788$28,052,042$21,246,141$52,930,189
53$76,673,636$29,332,938$21,864,233$57,487,699
54$84,397,743$30,673,648$22,500,080$62,476,826
55$92,906,665$32,077,010$23,154,186$67,940,209
56$102,280,359$33,545,997$23,827,065$73,924,776
57$112,606,932$35,083,727$24,519,248$80,482,178
58$123,983,476$36,693,467$25,231,280$87,669,266
59$136,516,982$38,378,638$25,963,719$95,548,624
60$150,325,352$40,142,830$26,717,142$104,189,146
61$165,538,511$41,989,801$27,492,139$113,666,677
62$182,299,631$43,923,493$28,289,317$124,064,719
63$200,766,485$45,948,036$29,109,301$135,475,208
64$221,112,936$48,067,759$29,952,732$147,999,374
65$243,530,575$50,287,199$30,820,268$161,748,680
66$268,230,533$52,611,111$31,712,587$176,845,862
67$295,445,472$55,044,480$32,630,383$193,426,078
68$325,431,780$57,592,529$33,574,371$211,638,171
69$358,471,994$60,260,736$34,545,285$231,646,053
70$394,877,465$63,054,839$35,543,879$253,630,245
71$434,991,295$65,980,855$36,570,927$277,789,562
72$479,191,580$69,045,090$37,627,227$304,342,976
73$527,894,976$72,254,154$38,713,594$333,531,660
74$581,560,634$75,614,978$39,830,869$365,621,258
75$640,694,529$79,134,823$40,979,914$400,904,361
76$705,854,246$82,821,304$42,161,616$439,703,261
77$777,654,233$86,682,402$43,376,884$482,372,965
78$856,771,609$90,726,483$44,626,654$529,304,533
79$943,952,552$94,962,319$45,911,885$580,928,738
80$1,040,019,343$99,399,104$47,233,564$637,720,117
81$1,145,878,131$104,046,475$48,592,704$700,201,425
82$1,262,527,485$108,914,537$49,990,344$768,948,539
83$1,391,067,822$114,013,883$51,427,554$844,595,875
84$1,532,711,793$119,355,616$52,905,430$927,842,347
85$1,688,795,733$124,951,378$54,425,099$1,019,457,933
86$1,860,792,276$130,813,374$55,987,718$1,120,290,915
87$2,050,324,256$136,954,398$57,594,475$1,231,275,856
88$2,259,180,031$143,387,864$59,246,590$1,353,442,390
89$2,489,330,360$150,127,835$60,945,317$1,487,924,903
90$2,742,947,012$157,189,054$62,691,940$1,635,973,211
91$3,022,423,269$164,586,979$64,487,782$1,798,964,315
92$3,330,396,517$172,337,816$66,334,197$1,978,415,365
93$3,669,773,148$180,458,555$68,232,579$2,175,997,937
94$4,043,755,995$188,967,011$70,184,357$2,393,553,771
95$4,455,874,571$197,881,859$72,190,997$2,633,112,113
96$4,910,018,389$207,222,682$74,254,007$2,896,908,823
97$5,410,473,682$217,010,010$76,374,934$3,187,407,431
98$5,961,963,867$227,265,370$78,555,364$3,507,322,343
99$6,569,694,140$238,011,332$80,796,927$3,859,644,411
100$7,239,400,615$249,271,560$83,101,296$4,247,669,109