Can I retire at age 35 with 13,000,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$1,025,812
2 years$531,449$521,552$511,959$502,659$493,637$482,735
3 years$350,780$340,840$331,272$322,058$313,184$302,544
4 years$260,463$250,553$241,081$232,025$223,365$213,069
5 years$206,287$196,437$187,089$178,217$169,799$159,877
6 years$170,182$160,405$151,195$142,522$134,356$124,821
7 years$144,402$134,708$125,644$117,175$109,267$100,122
8 years$125,077$115,470$106,556$98,295$90,648$81,893
9 years$110,053$100,537$91,777$83,726$76,339$67,970
10 years$98,042$88,619$80,013$72,172$65,044$57,058
11 years$88,220$78,892$70,442$62,812$55,940$48,328
12 years$80,042$70,809$62,516$55,094$48,477$41,232
13 years$73,127$63,991$55,854$48,640$42,273$35,386
14 years$67,205$58,166$50,185$43,177$37,056$30,519
15 years$62,077$53,136$45,310$38,506$32,627$26,429
16 years$57,595$48,751$41,080$34,478$28,836$22,966
17 years$53,644$44,898$37,381$30,978$25,568$20,016
18 years$50,136$41,488$34,124$27,918$22,734$17,489
19 years$47,001$38,450$31,239$25,226$20,263$15,314
20 years$44,183$35,730$28,670$22,847$18,099$13,434
21 years$41,637$33,281$26,371$20,735$16,197$11,804
22 years$39,325$31,067$24,305$18,853$14,518$10,386
23 years$37,217$29,056$22,441$17,170$13,032$9,150
24 years$35,288$27,224$20,754$15,660$11,714$8,069
25 years$33,516$25,548$19,223$14,302$10,541$7,123
26 years$31,883$24,011$17,828$13,077$9,495$6,292
27 years$30,373$22,597$16,555$11,969$8,560$5,563
28 years$28,974$21,293$15,390$10,966$7,724$4,921
29 years$27,674$20,088$14,322$10,056$6,975$4,356
30 years$26,462$18,971$13,340$9,229$6,302$3,857
31 years$25,331$17,934$12,436$8,476$5,698$3,417
32 years$24,273$16,969$11,603$7,790$5,154$3,029
33 years$23,281$16,070$10,834$7,164$4,664$2,685
34 years$22,349$15,230$10,123$6,591$4,223$2,381
35 years$21,473$14,446$9,464$6,067$3,825$2,112
36 years$20,647$13,711$8,853$5,588$3,466$1,874
37 years$19,868$13,022$8,287$5,149$3,141$1,663
38 years$19,131$12,376$7,760$4,746$2,848$1,476
39 years$18,434$11,768$7,270$4,376$2,582$1,311
40 years$17,773$11,197$6,815$4,036$2,342$1,164
41 years$17,146$10,658$6,390$3,724$2,125$1,033
42 years$16,551$10,150$5,994$3,436$1,928$918
43 years$15,985$9,671$5,624$3,172$1,750$815
44 years$15,446$9,219$5,280$2,929$1,588$724
45 years$14,932$8,791$4,957$2,705$1,442$643
46 years$14,443$8,386$4,656$2,499$1,309$571
47 years$13,975$8,003$4,374$2,309$1,189$508
48 years$13,528$7,640$4,111$2,133$1,080$451
49 years$13,101$7,296$3,864$1,971$981$401
50 years$12,693$6,969$3,632$1,822$891$356

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,000,000, adding $3,690 every year, while hoping to spend $55,913 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: 67/17/16 Blend
34$13,000,000$13,000,000$13,000,000$13,000,000
35$14,329,806$13,640,806$13,439,306$15,234,846
36$15,731,955$14,249,715$13,830,032$16,448,498
37$17,275,250$14,886,586$14,231,973$17,768,166
38$18,974,028$15,552,731$14,645,446$19,209,765
39$20,844,086$16,249,522$15,070,777$20,785,260
40$22,902,835$16,978,401$15,508,299$22,507,814
41$25,169,454$17,740,872$15,958,357$24,391,917
42$27,665,080$18,538,517$16,421,304$26,453,514
43$30,413,002$19,372,988$16,897,502$28,710,155
44$33,438,885$20,246,021$17,387,325$31,181,161
45$36,771,005$21,159,430$17,891,154$33,887,798
46$40,440,525$22,115,119$18,409,385$36,853,477
47$44,481,780$23,115,082$18,942,421$40,103,973
48$48,932,608$24,161,407$19,490,678$43,667,664
49$53,834,701$25,256,283$20,054,583$47,575,795
50$59,234,003$26,402,003$20,634,574$51,862,769
51$65,181,140$27,600,971$21,231,101$56,566,470
52$71,731,902$28,855,704$21,844,629$61,728,614
53$78,947,764$30,168,841$22,475,631$67,395,140
54$86,896,468$31,543,146$23,124,598$73,616,639
55$95,652,665$32,981,518$23,792,029$80,448,830
56$105,298,617$34,486,992$24,478,442$87,953,075
57$115,924,970$36,062,749$25,184,364$96,196,959
58$127,631,618$37,712,125$25,910,341$105,254,921
59$140,528,636$39,438,612$26,656,930$115,208,950
60$154,737,326$41,245,873$27,424,706$126,149,356
61$170,391,357$43,137,744$28,214,258$138,175,614
62$187,638,030$45,118,249$29,026,190$151,397,301
63$206,639,667$47,191,601$29,861,126$165,935,120
64$227,575,141$49,362,217$30,719,701$181,922,033
65$250,641,568$51,634,728$31,602,574$199,504,514
66$276,056,164$54,013,986$32,510,416$218,843,918
67$304,058,297$56,505,076$33,443,919$240,118,003
68$334,911,746$59,113,327$34,403,794$263,522,595
69$368,907,192$61,844,328$35,390,768$289,273,433
70$406,364,958$64,703,932$36,405,591$317,608,192
71$447,638,037$67,698,278$37,449,032$348,788,723
72$493,115,421$70,833,799$38,521,879$383,103,514
73$543,225,776$74,117,236$39,624,944$420,870,401
74$598,441,482$77,555,658$40,759,057$462,439,561
75$659,283,102$81,156,474$41,925,073$508,196,807
76$726,324,285$84,927,447$43,123,870$558,567,220
77$800,197,189$88,876,720$44,356,347$614,019,148
78$881,598,446$93,012,822$45,623,428$675,068,616
79$971,295,737$97,344,701$46,926,063$742,284,187
80$1,070,135,041$101,881,729$48,265,224$816,292,314
81$1,179,048,618$106,633,738$49,641,913$897,783,241
82$1,299,063,815$111,611,028$51,057,154$987,517,507
83$1,431,312,756$116,824,401$52,512,002$1,086,333,105
84$1,577,043,040$122,285,179$54,007,536$1,195,153,385
85$1,737,629,509$128,005,232$55,544,867$1,314,995,749
86$1,914,587,231$133,997,001$57,125,133$1,446,981,242
87$2,109,585,806$140,273,531$58,749,502$1,592,345,114
88$2,324,465,123$146,848,498$60,419,175$1,752,448,467
89$2,561,252,728$153,736,238$62,135,380$1,928,791,081
90$2,822,182,973$160,951,780$63,899,382$2,123,025,556
91$3,109,718,100$168,510,881$65,712,475$2,336,972,890
92$3,426,571,493$176,430,061$67,575,990$2,572,639,649
93$3,775,733,290$184,726,638$69,491,289$2,832,236,885
94$4,160,498,612$193,418,770$71,459,774$3,118,200,990
95$4,584,498,673$202,525,493$73,482,880$3,433,216,667
96$5,051,735,061$212,066,765$75,562,079$3,780,242,251
97$5,566,617,512$222,063,512$77,698,884$4,162,537,611
98$6,134,005,546$232,537,672$79,894,844$4,583,694,892
99$6,759,254,340$243,512,246$82,151,550$5,047,672,403
100$7,448,265,289$255,011,352$84,470,633$5,558,831,950