Can I retire at age 35 with 12,700,000?

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 $12,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$1,048,754$1,039,412$1,030,298$1,021,402$1,012,716$972,151
2 years$519,185$509,516$500,145$491,059$482,246$441,887
3 years$342,685$332,974$323,627$314,626$305,956$267,075
4 years$254,453$244,771$235,517$226,670$218,211$181,101
5 years$201,527$191,904$182,771$174,105$165,880$130,637
6 years$166,255$156,704$147,706$139,233$131,255$97,901
7 years$141,070$131,600$122,745$114,471$106,746$75,268
8 years$122,190$112,805$104,097$96,027$88,556$58,922
9 years$107,513$98,217$89,659$81,794$74,577$46,741
10 years$95,779$86,574$78,167$70,507$63,543$37,450
11 years$86,184$77,071$68,817$61,362$54,649$30,238
12 years$78,195$69,175$61,073$53,823$47,358$24,561
13 years$71,439$62,514$54,565$47,517$41,297$20,046
14 years$65,654$56,824$49,027$42,181$36,201$16,423
15 years$60,645$51,909$44,264$37,618$31,874$13,496
16 years$56,266$47,626$40,132$33,683$28,170$11,118
17 years$52,406$43,862$36,519$30,264$24,978$9,177
18 years$48,979$40,530$33,337$27,274$22,209$7,588
19 years$45,916$37,563$30,518$24,644$19,795$6,282
20 years$43,163$34,905$28,008$22,320$17,682$5,207
21 years$40,676$32,513$25,762$20,257$15,823$4,320
22 years$38,417$30,350$23,744$18,418$14,183$3,587
23 years$36,358$28,385$21,923$16,774$12,732$2,980
24 years$34,474$26,595$20,275$15,299$11,443$2,477
25 years$32,743$24,958$18,779$13,972$10,297$2,060
26 years$31,147$23,457$17,417$12,775$9,276$1,713
27 years$29,672$22,076$16,173$11,693$8,363$1,426
28 years$28,306$20,802$15,035$10,713$7,546$1,187
29 years$27,035$19,624$13,991$9,824$6,814$988
30 years$25,852$18,533$13,032$9,016$6,157$823
31 years$24,747$17,520$12,150$8,281$5,566$685
32 years$23,713$16,577$11,336$7,610$5,035$570
33 years$22,744$15,699$10,584$6,998$4,557$475
34 years$21,834$14,879$9,889$6,439$4,126$396
35 years$20,977$14,112$9,246$5,927$3,737$330
36 years$20,171$13,395$8,649$5,459$3,386$275
37 years$19,409$12,722$8,095$5,030$3,068$229
38 years$18,689$12,090$7,581$4,636$2,782$191
39 years$18,008$11,497$7,103$4,275$2,523$159
40 years$17,363$10,938$6,657$3,943$2,288$132
41 years$16,751$10,412$6,242$3,638$2,076$110
42 years$16,169$9,916$5,856$3,357$1,884$92
43 years$15,616$9,448$5,495$3,099$1,710$77
44 years$15,089$9,006$5,158$2,861$1,552$64
45 years$14,588$8,588$4,843$2,643$1,409$53
46 years$14,109$8,193$4,549$2,441$1,279$44
47 years$13,653$7,818$4,273$2,255$1,161$37
48 years$13,216$7,464$4,016$2,084$1,055$31
49 years$12,799$7,127$3,775$1,926$958$26
50 years$12,400$6,808$3,549$1,780$870$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,700,000, adding $6,349 every year, while hoping to spend $37,443 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: 72/16/12 Blend
34$12,700,000$12,700,000$12,700,000$12,700,000
35$14,001,949$13,328,849$13,131,999$14,974,892
36$15,390,309$13,942,124$13,532,082$16,232,980
37$16,919,026$14,584,194$13,944,313$17,604,922
38$18,602,378$15,256,431$14,369,059$19,106,177
39$20,456,097$15,960,272$14,806,698$20,749,514
40$22,497,518$16,697,224$15,257,622$22,548,990
41$24,745,744$17,468,867$15,722,231$24,520,077
42$27,221,822$18,276,854$16,200,938$26,679,803
43$29,948,949$19,122,921$16,694,171$29,046,919
44$32,952,684$20,008,886$17,202,368$31,642,062
45$36,261,192$20,936,656$17,725,981$34,487,957
46$39,905,508$21,908,227$18,265,476$37,609,622
47$43,919,834$22,925,693$18,821,333$41,034,603
48$48,341,855$23,991,251$19,394,046$44,793,233
49$53,213,102$25,107,200$19,984,124$48,918,913
50$58,579,338$26,275,952$20,592,092$53,448,423
51$64,490,993$27,500,036$21,218,489$58,422,268
52$71,003,638$28,782,102$21,863,873$63,885,054
53$78,178,512$30,124,927$22,528,815$69,885,907
54$86,083,097$31,531,425$23,213,907$76,478,934
55$94,791,756$33,004,649$23,919,756$83,723,725
56$104,386,436$34,547,798$24,646,989$91,685,915
57$114,957,440$36,164,227$25,396,251$100,437,797
58$126,604,280$37,857,455$26,168,206$110,059,000
59$139,436,615$39,631,169$26,963,539$120,637,236
60$153,575,286$41,489,233$27,782,955$132,269,124
61$169,153,461$43,435,700$28,627,179$145,061,091
62$186,317,884$45,474,820$29,496,960$159,130,380
63$205,230,268$47,611,046$30,393,068$174,606,141
64$226,068,816$49,849,048$31,316,296$191,630,651
65$249,029,905$52,193,721$32,267,462$210,360,646
66$274,329,940$54,650,198$33,247,406$230,968,797
67$302,207,397$57,223,861$34,256,998$253,645,330
68$332,925,072$59,920,351$35,297,128$278,599,818
69$366,772,564$62,745,583$36,368,717$306,063,147
70$404,069,009$65,705,759$37,472,712$336,289,689
71$445,166,088$68,807,382$38,610,088$369,559,697
72$490,451,354$72,057,269$39,781,851$406,181,939
73$540,351,885$75,462,567$40,989,035$446,496,603
74$595,338,316$79,030,772$42,232,707$490,878,501
75$655,929,285$82,769,740$43,513,963$539,740,597
76$722,696,326$86,687,712$44,833,935$593,537,893
77$796,269,266$90,793,325$46,193,787$652,771,712
78$877,342,171$95,095,637$47,594,718$717,994,422
79$966,679,895$99,604,146$49,037,964$789,814,640
80$1,065,125,305$104,328,810$50,524,797$868,902,957
81$1,173,607,235$109,280,071$52,056,526$955,998,263
82$1,293,149,255$114,468,876$53,634,502$1,051,914,705
83$1,424,879,335$119,906,707$55,260,113$1,157,549,359
84$1,570,040,491$125,605,600$56,934,791$1,273,890,682
85$1,730,002,525$131,578,178$58,660,010$1,402,027,832
86$1,906,274,950$137,837,676$60,437,288$1,543,160,926
87$2,100,521,245$144,397,973$62,268,188$1,698,612,360
88$2,314,574,560$151,273,621$64,154,320$1,869,839,270
89$2,550,455,018$158,479,881$66,097,342$2,058,447,269
90$2,810,388,788$166,032,754$68,098,962$2,266,205,589
91$3,096,829,105$173,949,019$70,160,938$2,495,063,758
92$3,412,479,425$182,246,272$72,285,080$2,747,169,984
93$3,760,318,951$190,942,964$74,473,255$3,024,891,415
94$4,143,630,757$200,058,443$76,727,382$3,330,836,461
95$4,566,032,784$209,612,996$79,049,440$3,667,879,390
96$5,031,511,997$219,627,902$81,441,464$4,039,187,444
97$5,544,462,021$230,125,469$83,905,554$4,448,250,707
98$6,109,724,625$241,129,095$86,443,868$4,898,915,028
99$6,732,635,430$252,663,315$89,058,631$5,395,418,296
100$7,419,074,283$264,753,856$91,752,134$5,942,430,419