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%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 $3,598 every year, while hoping to spend $32,697 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: 68/20/12 Blend
34$13,100,000$13,100,000$13,100,000$13,100,000
35$14,439,911$13,745,611$13,542,561$15,383,761
36$15,877,993$14,384,357$13,961,448$16,650,563
37$17,461,663$15,053,305$14,393,271$18,031,294
38$19,205,737$15,753,902$14,838,430$19,540,521
39$21,126,541$16,487,661$15,297,336$21,190,847
40$23,242,063$17,256,172$15,770,412$22,996,140
41$25,572,129$18,061,100$16,258,096$24,971,658
42$28,138,582$18,904,189$16,760,838$27,134,191
43$30,965,492$19,787,270$17,279,101$29,502,220
44$34,079,386$20,712,260$17,813,365$32,096,083
45$37,509,493$21,681,170$18,364,122$34,938,167
46$41,288,022$22,696,108$18,931,881$38,053,113
47$45,450,467$23,759,283$19,517,165$41,468,048
48$50,035,939$24,873,013$20,120,515$45,212,834
49$55,087,540$26,039,726$20,742,487$49,320,347
50$60,652,764$27,261,967$21,383,655$53,826,784
51$66,783,949$28,542,407$22,044,611$58,771,997
52$73,538,770$29,883,843$22,725,964$64,199,870
53$80,980,782$31,289,209$23,428,342$70,158,721
54$89,180,024$32,761,582$24,152,393$76,701,760
55$98,213,673$34,304,186$24,898,784$83,887,580
56$108,166,778$35,920,402$25,668,204$91,780,709
57$119,133,063$37,613,775$26,461,363$100,452,210
58$131,215,806$39,388,021$27,278,989$109,980,349
59$144,528,822$41,247,038$28,121,839$120,451,322
60$159,197,528$43,194,909$28,990,687$131,960,068
61$175,360,136$45,235,920$29,886,335$144,611,154
62$193,168,951$47,374,560$30,809,608$158,519,757
63$212,791,810$49,615,540$31,761,356$173,812,740
64$234,413,668$51,963,795$32,742,455$190,629,846
65$258,238,345$54,424,504$33,753,810$209,125,008
66$284,490,445$57,003,094$34,796,352$229,467,790
67$313,417,481$59,705,255$35,871,040$251,844,981
68$345,292,208$62,536,957$36,978,864$276,462,348
69$380,415,201$65,504,455$38,120,843$303,546,570
70$419,117,690$68,614,312$39,298,030$333,347,363
71$461,764,686$71,873,405$40,511,506$366,139,831
72$508,758,432$75,288,950$41,762,389$402,227,050
73$560,542,193$78,868,509$43,051,830$441,942,915
74$617,604,444$82,620,014$44,381,014$485,655,283
75$680,483,485$86,551,782$45,751,165$533,769,428
76$749,772,514$90,672,533$47,163,543$586,731,857
77$826,125,236$94,991,412$48,619,447$645,034,509
78$910,262,026$99,518,008$50,120,215$709,219,385
79$1,002,976,738$104,262,375$51,667,227$779,883,645
80$1,105,144,191$109,235,058$53,261,905$857,685,235
81$1,217,728,436$114,447,113$54,905,716$943,349,076
82$1,341,791,849$119,910,134$56,600,170$1,037,673,891
83$1,478,505,166$125,636,279$58,346,824$1,141,539,727
84$1,629,158,534$131,638,298$60,147,284$1,255,916,243
85$1,795,173,689$137,929,559$62,003,203$1,381,871,841
86$1,978,117,381$144,524,083$63,916,286$1,520,583,734
87$2,179,716,163$151,436,572$65,888,290$1,673,349,036
88$2,401,872,691$158,682,444$67,921,027$1,841,596,979
89$2,646,683,687$166,277,866$70,016,364$2,026,902,387
90$2,916,459,735$174,239,793$72,176,224$2,231,000,516
91$3,213,747,090$182,586,005$74,402,590$2,455,803,405
92$3,541,351,722$191,335,148$76,697,505$2,703,417,899
93$3,902,365,803$200,506,776$79,063,077$2,976,165,514
94$4,300,196,901$210,121,393$81,501,476$3,276,604,317
95$4,738,600,149$220,200,506$84,014,940$3,607,553,043
96$5,221,713,699$230,766,664$86,605,774$3,972,117,676
97$5,754,097,784$241,843,519$89,276,356$4,373,720,730
98$6,340,777,779$253,455,873$92,029,135$4,816,133,527
99$6,987,291,637$265,629,735$94,866,635$5,303,511,758
100$7,699,742,176$278,392,384$97,791,460$5,840,434,678