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%19.7%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$996,295
2 years$531,449$521,552$511,959$502,659$493,637$453,480
3 years$350,780$340,840$331,272$322,058$313,184$274,476
4 years$260,463$250,553$241,081$232,025$223,365$186,402
5 years$206,287$196,437$187,089$178,217$169,799$134,674
6 years$170,182$160,405$151,195$142,522$134,356$101,093
7 years$144,402$134,708$125,644$117,175$109,267$77,856
8 years$125,077$115,470$106,556$98,295$90,648$61,056
9 years$110,053$100,537$91,777$83,726$76,339$48,524
10 years$98,042$88,619$80,013$72,172$65,044$38,953
11 years$88,220$78,892$70,442$62,812$55,940$31,513
12 years$80,042$70,809$62,516$55,094$48,477$25,649
13 years$73,127$63,991$55,854$48,640$42,273$20,976
14 years$67,205$58,166$50,185$43,177$37,056$17,221
15 years$62,077$53,136$45,310$38,506$32,627$14,182
16 years$57,595$48,751$41,080$34,478$28,836$11,709
17 years$53,644$44,898$37,381$30,978$25,568$9,687
18 years$50,136$41,488$34,124$27,918$22,734$8,027
19 years$47,001$38,450$31,239$25,226$20,263$6,661
20 years$44,183$35,730$28,670$22,847$18,099$5,534
21 years$41,637$33,281$26,371$20,735$16,197$4,602
22 years$39,325$31,067$24,305$18,853$14,518$3,830
23 years$37,217$29,056$22,441$17,170$13,032$3,189
24 years$35,288$27,224$20,754$15,660$11,714$2,657
25 years$33,516$25,548$19,223$14,302$10,541$2,215
26 years$31,883$24,011$17,828$13,077$9,495$1,847
27 years$30,373$22,597$16,555$11,969$8,560$1,541
28 years$28,974$21,293$15,390$10,966$7,724$1,285
29 years$27,674$20,088$14,322$10,056$6,975$1,073
30 years$26,462$18,971$13,340$9,229$6,302$895
31 years$25,331$17,934$12,436$8,476$5,698$747
32 years$24,273$16,969$11,603$7,790$5,154$624
33 years$23,281$16,070$10,834$7,164$4,664$521
34 years$22,349$15,230$10,123$6,591$4,223$435
35 years$21,473$14,446$9,464$6,067$3,825$363
36 years$20,647$13,711$8,853$5,588$3,466$303
37 years$19,868$13,022$8,287$5,149$3,141$253
38 years$19,131$12,376$7,760$4,746$2,848$212
39 years$18,434$11,768$7,270$4,376$2,582$177
40 years$17,773$11,197$6,815$4,036$2,342$148
41 years$17,146$10,658$6,390$3,724$2,125$123
42 years$16,551$10,150$5,994$3,436$1,928$103
43 years$15,985$9,671$5,624$3,172$1,750$86
44 years$15,446$9,219$5,280$2,929$1,588$72
45 years$14,932$8,791$4,957$2,705$1,442$60
46 years$14,443$8,386$4,656$2,499$1,309$50
47 years$13,975$8,003$4,374$2,309$1,189$42
48 years$13,528$7,640$4,111$2,133$1,080$35
49 years$13,101$7,296$3,864$1,971$981$29
50 years$12,693$6,969$3,632$1,822$891$24

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 $3,870 every year, while hoping to spend $58,313 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: 64/26/10 Blend
34$13,000,000$13,000,000$13,000,000$13,000,000
35$14,329,992$13,640,992$13,439,492$15,215,747
36$15,729,606$14,247,356$13,827,670$16,413,739
37$17,270,027$14,881,477$14,226,898$17,714,537
38$18,965,555$15,544,655$14,637,484$19,133,832
39$20,831,947$16,238,248$15,059,746$20,683,141
40$22,886,567$16,963,683$15,494,008$22,375,134
41$25,148,545$17,722,452$15,940,605$24,223,744
42$27,638,962$18,516,118$16,399,881$26,244,302
43$30,381,048$19,346,319$16,872,189$28,453,674
44$33,400,398$20,214,772$17,357,891$30,870,418
45$36,725,217$21,123,275$17,857,359$33,514,955
46$40,386,584$22,073,710$18,370,975$36,409,759
47$44,418,746$23,068,052$18,899,133$39,579,560
48$48,859,439$24,108,367$19,442,235$43,051,581
49$53,750,247$25,196,823$20,000,695$46,855,783
50$59,136,993$26,335,687$20,574,938$51,025,147
51$65,070,169$27,527,339$21,165,402$55,595,979
52$71,605,418$28,774,270$21,772,534$60,608,247
53$78,804,051$30,079,091$22,396,795$66,105,955
54$86,733,634$31,444,536$23,038,658$72,137,549
55$95,468,619$32,873,472$23,698,607$78,756,371
56$105,091,050$34,368,904$24,377,142$86,021,155
57$115,691,334$35,933,977$25,074,773$93,996,578
58$127,369,098$37,571,990$25,792,026$102,753,857
59$140,234,128$39,286,400$26,529,441$112,371,419
60$154,407,402$41,080,827$27,287,571$122,935,635
61$170,022,237$42,959,066$28,066,983$134,541,624
62$187,225,540$44,925,096$28,868,263$147,294,142
63$206,179,204$46,983,084$29,692,008$161,308,568
64$227,061,625$49,137,398$30,538,833$176,711,976
65$250,069,396$51,392,616$31,409,369$193,644,334
66$275,419,156$53,753,535$32,304,264$212,259,808
67$303,349,635$56,225,184$33,224,183$232,728,211
68$334,123,912$58,812,832$34,169,807$255,236,594
69$368,031,892$61,522,002$35,141,836$279,991,002
70$405,393,048$64,358,482$36,140,991$307,218,404
71$446,559,431$67,328,341$37,168,006$337,168,829
72$491,918,999$70,437,935$38,223,640$370,117,706
73$541,899,273$73,693,930$39,308,669$406,368,458
74$596,971,379$77,103,312$40,423,888$446,255,346
75$657,654,488$80,673,403$41,570,117$490,146,615
76$724,520,723$84,411,877$42,748,193$538,447,952
77$798,200,557$88,326,779$43,958,978$591,606,300
78$879,388,763$92,426,541$45,203,353$650,114,061
79$968,850,976$96,720,001$46,482,225$714,513,726
80$1,067,430,919$101,216,424$47,796,523$785,402,978
81$1,176,058,366$105,925,523$49,147,200$863,440,319
82$1,295,757,922$110,857,476$50,535,233$949,351,257
83$1,427,658,693$116,022,955$51,961,627$1,043,935,146
84$1,573,004,947$121,433,146$53,427,408$1,148,072,699
85$1,733,167,858$127,099,777$54,933,633$1,262,734,287
86$1,909,658,453$133,035,139$56,481,383$1,388,989,071
87$2,104,141,874$139,252,120$58,071,768$1,528,015,074
88$2,318,453,099$145,764,228$59,705,926$1,681,110,270
89$2,554,614,264$152,585,625$61,385,024$1,849,704,818
90$2,814,853,756$159,731,157$63,110,259$2,035,374,525
91$3,101,627,244$167,216,388$64,882,858$2,239,855,699
92$3,417,640,867$175,057,636$66,704,078$2,465,061,508
93$3,765,876,781$183,272,006$68,575,210$2,713,100,005
94$4,149,621,310$191,877,431$70,497,576$2,986,293,998
95$4,572,495,970$200,892,712$72,472,532$3,287,202,939
96$5,038,491,665$210,337,561$74,501,468$3,618,647,053
97$5,552,006,355$220,232,642$76,585,807$3,983,733,917
98$6,117,886,583$230,599,621$78,727,012$4,385,887,762
99$6,741,473,225$241,461,212$80,926,577$4,828,881,752
100$7,428,651,914$252,841,232$83,186,037$5,316,873,562