Can I retire at age 35 with 12,900,000?

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 $12,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$1,065,270$1,055,781$1,046,523$1,037,487$1,028,664$993,352
2 years$527,361$517,540$508,021$498,792$489,840$454,623
3 years$348,082$338,218$328,723$319,581$310,775$276,760
4 years$258,460$248,626$239,226$230,240$221,647$189,094
5 years$204,701$194,926$185,649$176,846$168,493$137,487
6 years$168,873$159,172$150,032$141,425$133,322$103,888
7 years$143,292$133,672$124,678$116,274$108,427$80,560
8 years$124,114$114,582$105,736$97,539$89,951$63,628
9 years$109,207$99,764$91,071$83,082$75,751$50,941
10 years$97,287$87,937$79,398$71,617$64,544$41,205
11 years$87,542$78,285$69,900$62,328$55,510$33,596
12 years$79,426$70,265$62,035$54,670$48,104$27,565
13 years$72,564$63,499$55,424$48,266$41,947$22,729
14 years$66,688$57,718$49,799$42,845$36,771$18,817
15 years$61,600$52,727$44,962$38,210$32,376$15,630
16 years$57,152$48,376$40,764$34,213$28,614$13,017
17 years$53,231$44,552$37,094$30,740$25,371$10,864
18 years$49,750$41,168$33,862$27,703$22,559$9,084
19 years$46,639$38,154$30,999$25,032$20,107$7,608
20 years$43,843$35,455$28,449$22,671$17,960$6,379
21 years$41,316$33,025$26,168$20,576$16,072$5,354
22 years$39,022$30,828$24,118$18,708$14,407$4,498
23 years$36,931$28,832$22,268$17,038$12,932$3,781
24 years$35,017$27,014$20,595$15,539$11,624$3,180
25 years$33,258$25,351$19,075$14,192$10,460$2,677
26 years$31,638$23,826$17,691$12,976$9,422$2,254
27 years$30,140$22,423$16,427$11,877$8,494$1,898
28 years$28,751$21,129$15,271$10,882$7,665$1,599
29 years$27,461$19,933$14,211$9,979$6,921$1,348
30 years$26,259$18,825$13,237$9,158$6,254$1,136
31 years$25,136$17,796$12,341$8,411$5,654$958
32 years$24,086$16,838$11,514$7,730$5,114$808
33 years$23,102$15,946$10,751$7,108$4,628$681
34 years$22,178$15,113$10,045$6,540$4,190$574
35 years$21,308$14,335$9,391$6,021$3,795$484
36 years$20,488$13,606$8,785$5,545$3,439$409
37 years$19,715$12,922$8,223$5,109$3,117$345
38 years$18,984$12,281$7,700$4,709$2,826$291
39 years$18,292$11,678$7,214$4,342$2,562$245
40 years$17,636$11,111$6,762$4,005$2,324$207
41 years$17,014$10,576$6,341$3,695$2,109$175
42 years$16,424$10,072$5,948$3,410$1,913$147
43 years$15,862$9,597$5,581$3,148$1,736$124
44 years$15,327$9,148$5,239$2,907$1,576$105
45 years$14,817$8,723$4,919$2,684$1,431$89
46 years$14,332$8,322$4,620$2,479$1,299$75
47 years$13,868$7,941$4,341$2,291$1,180$63
48 years$13,424$7,581$4,079$2,117$1,071$53
49 years$13,001$7,240$3,834$1,956$973$45
50 years$12,595$6,916$3,605$1,808$884$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $12,900,000, adding $4,187 every year, while hoping to spend $25,889 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: 52/32/16 Blend
34$12,900,000$12,900,000$12,900,000$12,900,000
35$14,220,119$13,536,419$13,336,469$14,897,601
36$15,643,025$14,172,158$13,755,695$15,998,071
37$17,210,201$14,838,180$14,188,097$17,191,262
38$18,936,333$15,535,942$14,634,090$18,488,446
39$20,837,607$16,266,972$15,094,101$19,899,479
40$22,931,859$17,032,870$15,568,569$21,435,195
41$25,238,742$17,835,314$16,057,950$23,107,493
42$27,779,915$18,676,065$16,562,712$24,929,452
43$30,579,241$19,556,968$17,083,338$26,915,447
44$33,663,021$20,479,956$17,620,327$29,081,282
45$37,060,235$21,447,060$18,174,193$31,444,328
46$40,802,817$22,460,404$18,745,467$34,023,687
47$44,925,959$23,522,219$19,334,695$36,840,365
48$49,468,441$24,634,842$19,942,442$39,917,462
49$54,472,998$25,800,725$20,569,290$43,280,386
50$59,986,721$27,022,437$21,215,838$46,957,083
51$66,061,504$28,302,674$21,882,706$50,978,300
52$72,754,534$29,644,261$22,570,533$55,377,859
53$80,128,827$31,050,161$23,279,976$60,192,975
54$88,253,828$32,523,480$24,011,716$65,464,599
55$97,206,062$34,067,474$24,766,453$71,237,791
56$107,069,861$35,685,561$25,544,909$77,562,143
57$117,938,154$37,381,320$26,347,830$84,492,232
58$129,913,348$39,158,507$27,175,985$92,088,130
59$143,108,295$41,021,060$28,030,167$100,415,959
60$157,647,356$42,973,107$28,911,192$109,548,504
61$173,667,575$45,018,977$29,819,906$119,565,888
62$191,319,972$47,163,212$30,757,177$130,556,321
63$210,770,970$49,410,570$31,723,903$142,616,916
64$232,203,966$51,766,045$32,721,011$155,854,595
65$255,821,059$54,234,869$33,749,453$170,387,086
66$281,844,962$56,822,534$34,810,215$186,344,017
67$310,521,104$59,534,794$35,904,313$203,868,127
68$342,119,943$62,377,685$37,032,794$223,116,601
69$376,939,523$65,357,537$38,196,738$244,262,533
70$415,308,285$68,480,987$39,397,260$267,496,545
71$457,588,170$71,754,995$40,635,508$293,028,571
72$504,178,034$75,186,861$41,912,668$321,089,817
73$555,517,414$78,784,238$43,229,963$351,934,927
74$612,090,678$82,555,153$44,588,655$385,844,367
75$674,431,595$86,508,023$45,990,042$423,127,048
76$743,128,377$90,651,675$47,435,468$464,123,224
77$818,829,230$94,995,366$48,926,315$509,207,680
78$902,248,476$99,548,804$50,464,011$558,793,245
79$994,173,293$104,322,168$52,050,028$613,334,665
80$1,095,471,149$109,326,134$53,685,884$673,332,869
81$1,207,097,990$114,571,898$55,373,144$739,339,669
82$1,330,107,265$120,071,201$57,113,425$811,962,942
83$1,465,659,872$125,836,356$58,908,391$891,872,339
84$1,615,035,118$131,880,277$60,759,761$979,805,572
85$1,779,642,795$138,216,504$62,669,307$1,076,575,347
86$1,961,036,488$144,859,241$64,638,857$1,183,077,001
87$2,160,928,246$151,823,381$66,670,296$1,300,296,919
88$2,381,204,745$159,124,544$68,765,568$1,429,321,805
89$2,623,945,093$166,779,111$70,926,679$1,571,348,903
90$2,891,440,468$174,804,262$73,155,698$1,727,697,258
91$3,186,215,739$183,218,014$75,454,757$1,899,820,123
92$3,511,053,310$192,039,263$77,826,057$2,089,318,634
93$3,869,019,386$201,287,826$80,271,869$2,297,956,876
94$4,263,492,919$210,984,485$82,794,532$2,527,678,488
95$4,698,197,509$221,151,037$85,396,461$2,780,624,958
96$5,177,236,560$231,810,342$88,080,147$3,059,155,786
97$5,705,132,015$242,986,375$90,848,158$3,365,870,700
98$6,286,867,052$254,704,279$93,703,143$3,703,634,138
99$6,927,933,128$266,990,425$96,647,834$4,075,602,230
100$7,634,381,820$279,872,470$99,685,051$4,485,252,521