Can I retire at age 35 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,027,730
2 years$535,538$525,564$515,897$506,525$497,434$480,472
3 years$353,479$343,462$333,820$324,536$315,593$299,079
4 years$262,467$252,481$242,935$233,810$225,083$209,145
5 years$207,874$197,948$188,528$179,588$171,105$155,787
6 years$171,491$161,639$152,358$143,618$135,389$120,711
7 years$145,513$135,744$126,611$118,076$110,108$96,072
8 years$126,039$116,358$107,376$99,051$91,345$77,951
9 years$110,900$101,311$92,483$84,370$76,926$64,165
10 years$98,796$89,300$80,629$72,728$65,545$53,407
11 years$88,899$79,499$70,984$63,295$56,371$44,843
12 years$80,658$71,354$62,997$55,518$48,850$37,918
13 years$73,689$64,483$56,283$49,014$42,598$32,246
14 years$67,722$58,613$50,571$43,509$37,341$27,552
15 years$62,555$53,544$45,659$38,803$32,878$23,633
16 years$58,038$49,126$41,396$34,744$29,058$20,339
17 years$54,057$45,243$37,669$31,217$25,764$17,552
18 years$50,522$41,807$34,387$28,133$22,909$15,182
19 years$47,362$38,746$31,480$25,420$20,419$13,159
20 years$44,523$36,005$28,890$23,023$18,239$11,424
21 years$41,957$33,537$26,574$20,895$16,321$9,933
22 years$39,627$31,305$24,492$18,998$14,630$8,648
23 years$37,503$29,279$22,614$17,302$13,133$7,537
24 years$35,559$27,433$20,914$15,780$11,804$6,575
25 years$33,774$25,744$19,370$14,412$10,622$5,740
26 years$32,128$24,196$17,965$13,177$9,568$5,015
27 years$30,607$22,771$16,682$12,061$8,626$4,384
28 years$29,197$21,457$15,508$11,051$7,783$3,835
29 years$27,887$20,242$14,432$10,134$7,028$3,356
30 years$26,666$19,117$13,443$9,300$6,350$2,938
31 years$25,526$18,071$12,532$8,542$5,741$2,573
32 years$24,460$17,099$11,693$7,850$5,194$2,254
33 years$23,460$16,193$10,918$7,219$4,700$1,975
34 years$22,521$15,348$10,201$6,642$4,255$1,731
35 years$21,638$14,557$9,537$6,114$3,854$1,518
36 years$20,806$13,817$8,922$5,631$3,492$1,331
37 years$20,020$13,123$8,350$5,188$3,165$1,167
38 years$19,278$12,471$7,820$4,782$2,869$1,024
39 years$18,575$11,859$7,326$4,409$2,602$898
40 years$17,910$11,283$6,867$4,067$2,360$788
41 years$17,278$10,740$6,439$3,752$2,141$691
42 years$16,678$10,229$6,040$3,463$1,943$606
43 years$16,108$9,746$5,668$3,197$1,763$532
44 years$15,565$9,290$5,320$2,952$1,601$467
45 years$15,047$8,859$4,995$2,726$1,453$410
46 years$14,554$8,451$4,692$2,518$1,319$360
47 years$14,083$8,065$4,408$2,326$1,198$316
48 years$13,632$7,699$4,142$2,150$1,088$277
49 years$13,202$7,352$3,893$1,987$988$243
50 years$12,790$7,023$3,660$1,836$898$213

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,100,000, adding $6,804 every year, while hoping to spend $59,680 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: 57/28/15 Blend
34$13,100,000$13,100,000$13,100,000$13,100,000
35$14,443,218$13,748,918$13,545,868$15,210,104
36$15,852,928$14,359,116$13,936,156$16,340,752
37$17,404,427$14,997,214$14,337,518$17,565,108
38$19,112,116$15,664,515$14,750,262$18,897,920
39$20,991,861$16,362,385$15,174,705$20,349,604
40$23,061,145$17,092,256$15,611,172$21,931,614
41$25,339,231$17,855,626$16,059,996$23,656,541
42$27,847,347$18,654,066$16,521,519$25,538,234
43$30,608,881$19,489,220$16,996,095$27,591,921
44$33,649,606$20,362,811$17,484,083$29,834,355
45$36,997,921$21,276,644$17,985,856$32,283,962
46$40,685,121$22,232,611$18,501,794$34,961,013
47$44,745,687$23,232,693$19,032,288$37,887,810
48$49,217,618$24,278,966$19,577,740$41,088,895
49$54,142,784$25,373,604$20,138,563$44,591,270
50$59,567,323$26,518,886$20,715,180$48,424,653
51$65,542,077$27,717,198$21,308,026$52,621,747
52$72,123,071$28,971,043$21,917,547$57,218,547
53$79,372,041$30,283,041$22,544,202$62,254,675
54$87,357,018$31,655,938$23,188,461$67,773,742
55$96,152,966$33,092,612$23,850,806$73,823,758
56$105,842,495$34,596,076$24,531,735$80,457,574
57$116,516,637$36,169,491$25,231,755$87,733,380
58$128,275,704$37,816,167$25,951,390$95,715,239
59$141,230,240$39,539,573$26,691,175$104,473,689
60$155,502,056$41,343,344$27,451,661$114,086,399
61$171,225,387$43,231,288$28,233,413$124,638,894
62$188,548,154$45,207,399$29,037,010$136,225,352
63$207,633,363$47,275,860$29,863,048$148,949,485
64$228,660,643$49,441,054$30,712,136$162,925,506
65$251,827,939$51,707,575$31,584,903$178,279,201
66$277,353,382$54,080,240$32,481,990$195,149,101
67$305,477,348$56,564,093$33,404,059$213,687,780
68$336,464,728$59,164,423$34,351,785$234,063,285
69$370,607,423$61,886,774$35,325,863$256,460,708
70$408,227,108$64,736,953$36,327,007$281,083,922
71$449,678,259$67,721,050$37,355,948$308,157,490
72$495,351,505$70,845,445$38,413,435$337,928,772
73$545,677,313$74,116,826$39,500,240$370,670,247
74$601,130,052$77,542,204$40,617,151$406,682,066
75$662,232,470$81,128,925$41,764,979$446,294,872
76$729,560,631$84,884,690$42,944,554$489,872,906
77$803,749,348$88,817,573$44,156,729$537,817,422
78$885,498,180$92,936,033$45,402,378$590,570,462
79$975,578,035$97,248,939$46,682,398$648,619,010
80$1,074,838,444$101,765,587$47,997,709$712,499,563
81$1,184,215,586$106,495,721$49,349,253$782,803,181
82$1,304,741,121$111,449,557$50,737,998$860,181,042
83$1,437,551,930$116,637,799$52,164,935$945,350,566
84$1,583,900,849$122,071,673$53,631,082$1,039,102,163
85$1,745,168,494$127,762,944$55,137,482$1,142,306,673
86$1,922,876,296$133,723,944$56,685,203$1,255,923,555
87$2,118,700,863$139,967,602$58,275,343$1,381,009,923
88$2,334,489,809$146,507,472$59,909,024$1,518,730,491
89$2,572,279,193$153,357,762$61,587,400$1,670,368,543
90$2,834,312,744$160,533,366$63,311,651$1,837,338,014
91$3,123,063,040$168,049,897$65,082,989$2,021,196,804
92$3,441,254,855$175,923,727$66,902,653$2,223,661,452
93$3,791,890,876$184,172,015$68,771,917$2,446,623,305
94$4,178,280,053$192,812,752$70,692,085$2,692,166,334
95$4,604,068,840$201,864,798$72,664,491$2,962,586,772
96$5,073,275,616$211,347,928$74,690,506$3,260,414,743
97$5,590,328,624$221,282,871$76,771,533$3,588,438,110
98$6,160,107,774$231,691,362$78,909,010$3,949,728,750
99$6,787,990,714$242,596,186$81,104,409$4,347,671,499
100$7,479,903,601$254,021,233$83,359,240$4,785,996,065