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

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 $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%16.4%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$1,009,530
2 years$531,449$521,552$511,959$502,659$493,637$466,511
3 years$350,780$340,840$331,272$322,058$313,184$286,888
4 years$260,463$250,553$241,081$232,025$223,365$198,103
5 years$206,287$196,437$187,089$178,217$169,799$145,639
6 years$170,182$160,405$151,195$142,522$134,356$111,322
7 years$144,402$134,708$125,644$117,175$109,267$87,361
8 years$125,077$115,470$106,556$98,295$90,648$69,859
9 years$110,053$100,537$91,777$83,726$76,339$56,649
10 years$98,042$88,619$80,013$72,172$65,044$46,429
11 years$88,220$78,892$70,442$62,812$55,940$38,371
12 years$80,042$70,809$62,516$55,094$48,477$31,923
13 years$73,127$63,991$55,854$48,640$42,273$26,700
14 years$67,205$58,166$50,185$43,177$37,056$22,428
15 years$62,077$53,136$45,310$38,506$32,627$18,907
16 years$57,595$48,751$41,080$34,478$28,836$15,986
17 years$53,644$44,898$37,381$30,978$25,568$13,550
18 years$50,136$41,488$34,124$27,918$22,734$11,508
19 years$47,001$38,450$31,239$25,226$20,263$9,791
20 years$44,183$35,730$28,670$22,847$18,099$8,342
21 years$41,637$33,281$26,371$20,735$16,197$7,116
22 years$39,325$31,067$24,305$18,853$14,518$6,076
23 years$37,217$29,056$22,441$17,170$13,032$5,193
24 years$35,288$27,224$20,754$15,660$11,714$4,442
25 years$33,516$25,548$19,223$14,302$10,541$3,802
26 years$31,883$24,011$17,828$13,077$9,495$3,256
27 years$30,373$22,597$16,555$11,969$8,560$2,789
28 years$28,974$21,293$15,390$10,966$7,724$2,391
29 years$27,674$20,088$14,322$10,056$6,975$2,050
30 years$26,462$18,971$13,340$9,229$6,302$1,758
31 years$25,331$17,934$12,436$8,476$5,698$1,508
32 years$24,273$16,969$11,603$7,790$5,154$1,294
33 years$23,281$16,070$10,834$7,164$4,664$1,110
34 years$22,349$15,230$10,123$6,591$4,223$953
35 years$21,473$14,446$9,464$6,067$3,825$818
36 years$20,647$13,711$8,853$5,588$3,466$702
37 years$19,868$13,022$8,287$5,149$3,141$603
38 years$19,131$12,376$7,760$4,746$2,848$518
39 years$18,434$11,768$7,270$4,376$2,582$445
40 years$17,773$11,197$6,815$4,036$2,342$382
41 years$17,146$10,658$6,390$3,724$2,125$328
42 years$16,551$10,150$5,994$3,436$1,928$282
43 years$15,985$9,671$5,624$3,172$1,750$242
44 years$15,446$9,219$5,280$2,929$1,588$208
45 years$14,932$8,791$4,957$2,705$1,442$178
46 years$14,443$8,386$4,656$2,499$1,309$153
47 years$13,975$8,003$4,374$2,309$1,189$132
48 years$13,528$7,640$4,111$2,133$1,080$113
49 years$13,101$7,296$3,864$1,971$981$97
50 years$12,693$6,969$3,632$1,822$891$83

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 $6,060 every year, while hoping to spend $51,412 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: 52/41/7 Blend
34$13,000,000$13,000,000$13,000,000$13,000,000
35$14,332,251$13,643,251$13,441,751$15,052,751
36$15,739,439$14,257,068$13,837,348$16,156,342
37$17,288,436$14,899,239$14,244,474$17,349,754
38$18,993,654$15,571,100$14,663,461$18,646,319
39$20,870,971$16,274,048$15,094,651$20,055,760
40$22,937,883$17,009,549$15,538,395$21,588,761
41$25,213,670$17,779,139$15,995,054$23,257,055
42$27,719,574$18,584,427$16,464,998$25,073,534
43$30,479,005$19,427,099$16,948,610$27,052,367
44$33,517,757$20,308,921$17,446,282$29,209,122
45$36,864,254$21,231,743$17,958,418$31,560,912
46$40,549,815$22,197,506$18,485,433$34,126,550
47$44,608,954$23,208,242$19,027,752$36,926,718
48$49,079,702$24,266,079$19,585,816$39,984,157
49$54,003,966$25,373,252$20,160,075$43,323,874
50$59,427,926$26,532,096$20,750,993$46,973,372
51$65,402,469$27,745,064$21,359,047$50,962,900
52$71,983,673$29,014,724$21,984,726$55,325,733
53$79,233,329$30,343,767$22,628,536$60,098,474
54$87,219,530$31,735,013$23,290,994$65,321,393
55$96,017,313$33,191,419$23,972,633$71,038,801
56$105,709,363$34,716,083$24,674,000$77,299,451
57$116,386,798$36,312,252$25,395,660$84,156,995
58$128,150,027$37,983,327$26,138,189$91,670,476
59$141,109,696$39,732,877$26,902,185$99,904,877
60$155,387,735$41,564,638$27,688,258$108,931,721
61$171,118,507$43,482,527$28,497,037$118,829,732
62$188,450,075$45,490,652$29,329,169$129,685,572
63$207,545,605$47,593,316$30,185,318$141,594,638
64$228,584,897$49,795,030$31,066,167$154,661,955
65$251,766,091$52,100,521$31,972,418$169,003,147
66$277,307,532$54,514,745$32,904,793$184,745,520
67$305,449,830$57,042,897$33,864,034$202,029,242
68$336,458,135$59,690,422$34,850,902$221,008,651
69$370,624,640$62,463,027$35,866,182$241,853,695
70$408,271,332$65,366,695$36,910,678$264,751,520
71$449,753,041$68,407,696$37,985,219$289,908,214
72$495,460,783$71,592,605$39,090,655$317,550,733
73$545,825,451$74,928,311$40,227,860$347,929,025
74$601,321,887$78,422,038$41,397,734$381,318,364
75$662,473,360$82,081,359$42,601,199$418,021,929
76$729,856,508$85,914,210$43,839,204$458,373,638
77$804,106,779$89,928,914$45,112,724$502,741,280
78$885,924,432$94,134,192$46,422,762$551,529,954
79$976,081,147$98,539,190$47,770,347$605,185,873
80$1,075,427,308$103,153,494$49,156,538$664,200,541
81$1,184,900,032$107,987,155$50,582,421$729,115,365
82$1,305,532,018$113,050,708$52,049,114$800,526,734
83$1,438,461,290$118,355,198$53,557,766$879,091,617
84$1,584,941,945$123,912,207$55,109,554$965,533,729
85$1,746,355,992$129,733,873$56,705,693$1,060,650,323
86$1,924,226,395$135,832,925$58,347,425$1,165,319,686
87$2,120,231,455$142,222,706$60,036,032$1,280,509,382
88$2,336,220,652$148,917,207$61,772,827$1,407,285,350
89$2,574,232,102$155,931,094$63,559,161$1,546,821,919
90$2,836,511,804$163,279,745$65,396,421$1,700,412,851
91$3,125,534,839$170,979,283$67,286,032$1,869,483,503
92$3,444,028,736$179,046,612$69,229,457$2,055,604,236
93$3,794,999,226$187,499,454$71,228,202$2,260,505,186
94$4,181,758,611$196,356,392$73,283,812$2,486,092,540
95$4,607,957,042$205,636,907$75,397,872$2,734,466,473
96$5,077,616,972$215,361,428$77,572,013$3,007,940,917
97$5,595,171,138$225,551,373$79,807,910$3,309,065,342
98$6,165,504,401$236,229,197$82,107,282$3,640,648,751
99$6,793,999,870$247,418,448$84,471,896$4,005,786,137
100$7,486,589,719$259,143,814$86,903,566$4,407,887,623