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

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,020,188
2 years$535,538$525,564$515,897$506,525$497,434$472,966
3 years$353,479$343,462$333,820$324,536$315,593$291,845
4 years$262,467$252,481$242,935$233,810$225,083$202,239
5 years$207,874$197,948$188,528$179,588$171,105$149,228
6 years$171,491$161,639$152,358$143,618$135,389$114,502
7 years$145,513$135,744$126,611$118,076$110,108$90,213
8 years$126,039$116,358$107,376$99,051$91,345$72,436
9 years$110,900$101,311$92,483$84,370$76,926$58,987
10 years$98,796$89,300$80,629$72,728$65,545$48,556
11 years$88,899$79,499$70,984$63,295$56,371$40,309
12 years$80,658$71,354$62,997$55,518$48,850$33,689
13 years$73,689$64,483$56,283$49,014$42,598$28,309
14 years$67,722$58,613$50,571$43,509$37,341$23,895
15 years$62,555$53,544$45,659$38,803$32,878$20,243
16 years$58,038$49,126$41,396$34,744$29,058$17,201
17 years$54,057$45,243$37,669$31,217$25,764$14,653
18 years$50,522$41,807$34,387$28,133$22,909$12,509
19 years$47,362$38,746$31,480$25,420$20,419$10,699
20 years$44,523$36,005$28,890$23,023$18,239$9,164
21 years$41,957$33,537$26,574$20,895$16,321$7,859
22 years$39,627$31,305$24,492$18,998$14,630$6,748
23 years$37,503$29,279$22,614$17,302$13,133$5,799
24 years$35,559$27,433$20,914$15,780$11,804$4,988
25 years$33,774$25,744$19,370$14,412$10,622$4,293
26 years$32,128$24,196$17,965$13,177$9,568$3,697
27 years$30,607$22,771$16,682$12,061$8,626$3,185
28 years$29,197$21,457$15,508$11,051$7,783$2,746
29 years$27,887$20,242$14,432$10,134$7,028$2,367
30 years$26,666$19,117$13,443$9,300$6,350$2,042
31 years$25,526$18,071$12,532$8,542$5,741$1,762
32 years$24,460$17,099$11,693$7,850$5,194$1,521
33 years$23,460$16,193$10,918$7,219$4,700$1,313
34 years$22,521$15,348$10,201$6,642$4,255$1,133
35 years$21,638$14,557$9,537$6,114$3,854$978
36 years$20,806$13,817$8,922$5,631$3,492$845
37 years$20,020$13,123$8,350$5,188$3,165$730
38 years$19,278$12,471$7,820$4,782$2,869$630
39 years$18,575$11,859$7,326$4,409$2,602$545
40 years$17,910$11,283$6,867$4,067$2,360$470
41 years$17,278$10,740$6,439$3,752$2,141$406
42 years$16,678$10,229$6,040$3,463$1,943$351
43 years$16,108$9,746$5,668$3,197$1,763$303
44 years$15,565$9,290$5,320$2,952$1,601$262
45 years$15,047$8,859$4,995$2,726$1,453$227
46 years$14,554$8,451$4,692$2,518$1,319$196
47 years$14,083$8,065$4,408$2,326$1,198$169
48 years$13,632$7,699$4,142$2,150$1,088$146
49 years$13,202$7,352$3,893$1,987$988$126
50 years$12,790$7,023$3,660$1,836$898$109

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 $4,102 every year, while hoping to spend $20,567 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: 71/7/22 Blend
34$13,100,000$13,100,000$13,100,000$13,100,000
35$14,440,431$13,746,131$13,543,081$15,386,799
36$15,891,472$14,397,809$13,974,891$16,670,329
37$17,489,830$15,080,729$14,420,478$18,072,433
38$19,250,509$15,796,401$14,880,280$19,607,180
39$21,190,044$16,546,408$15,354,753$21,287,726
40$23,326,655$17,332,408$15,844,363$23,128,555
41$25,680,420$18,156,142$16,349,596$25,145,614
42$28,273,464$19,019,435$16,870,949$27,356,462
43$31,130,168$19,924,198$17,408,936$29,780,433
44$34,277,400$20,872,438$17,964,090$32,438,816
45$37,744,766$21,866,259$18,536,958$35,355,055
46$41,564,892$22,907,865$19,128,106$38,554,968
47$45,773,731$23,999,570$19,738,118$42,066,988
48$50,410,901$25,143,799$20,367,595$45,922,429
49$55,520,063$26,343,096$21,017,159$50,155,779
50$61,149,328$27,600,126$21,687,453$54,805,022
51$67,351,714$28,917,687$22,379,137$59,911,998
52$74,185,646$30,298,710$23,092,895$65,522,790
53$81,715,506$31,746,271$23,829,431$71,688,158
54$90,012,245$33,263,595$24,589,474$78,464,018
55$99,154,046$34,854,063$25,373,773$85,911,960
56$109,227,068$36,521,222$26,183,104$94,099,834
57$120,326,256$38,268,790$27,018,266$103,102,383
58$132,556,240$40,100,666$27,880,083$113,001,943
59$146,032,318$42,020,940$28,769,407$123,889,221
60$160,881,550$44,033,901$29,687,118$135,864,145
61$177,243,952$46,144,046$30,634,120$149,036,804
62$195,273,822$48,356,092$31,611,350$163,528,483
63$215,141,195$50,674,984$32,619,774$179,472,803
64$237,033,448$53,105,908$33,660,387$197,016,979
65$261,157,068$55,654,306$34,734,218$216,323,204
66$287,739,602$58,325,881$35,842,328$237,570,177
67$317,031,807$61,126,615$36,985,812$260,954,781
68$349,310,015$64,062,782$38,165,799$286,693,943
69$384,878,739$67,140,961$39,383,457$315,026,668
70$424,073,556$70,368,053$40,639,988$346,216,299
71$467,264,265$73,751,294$41,936,634$380,552,988
72$514,858,385$77,298,273$43,274,676$418,356,435
73$567,305,001$81,016,948$44,655,438$459,978,897
74$625,098,999$84,915,667$46,080,283$505,808,508
75$688,785,745$89,003,184$47,550,621$556,272,936
76$758,966,229$93,288,677$49,067,905$611,843,411
77$836,302,739$97,781,777$50,633,634$673,039,169
78$921,525,115$102,492,580$52,249,357$740,432,346
79$1,015,437,636$107,431,677$53,916,671$814,653,368
80$1,118,926,620$112,610,173$55,637,224$896,396,895
81$1,232,968,781$118,039,718$57,412,717$986,428,373
82$1,358,640,460$123,732,527$59,244,906$1,085,591,247
83$1,497,127,779$129,701,414$61,135,603$1,194,814,917
84$1,649,737,844$135,959,814$63,086,677$1,315,123,500
85$1,817,911,080$142,521,821$65,100,057$1,447,645,489
86$2,003,234,837$149,402,216$67,177,735$1,593,624,393
87$2,207,458,366$156,616,501$69,321,764$1,754,430,470
88$2,432,509,342$164,180,933$71,534,267$1,931,573,648
89$2,680,512,061$172,112,564$73,817,431$2,126,717,765
90$2,953,807,490$180,429,278$76,173,513$2,341,696,270
91$3,254,975,373$189,149,832$78,604,845$2,578,529,514
92$3,586,858,585$198,293,898$81,113,832$2,839,443,809
93$3,952,589,971$207,882,109$83,702,955$3,126,892,437
94$4,355,621,919$217,936,104$86,374,775$3,443,578,787
95$4,799,758,961$228,478,579$89,131,936$3,792,481,868
96$5,289,193,685$239,533,340$91,977,166$4,176,884,413
97$5,828,546,319$251,125,352$94,913,280$4,600,403,855
98$6,422,908,351$263,280,801$97,943,181$5,067,026,460
99$7,077,890,594$276,027,152$101,069,869$5,581,144,939
100$7,799,676,163$289,393,210$104,296,438$6,147,599,902