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%20%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,002,770
2 years$535,538$525,564$515,897$506,525$497,434$455,805
3 years$353,479$343,462$333,820$324,536$315,593$275,486
4 years$262,467$252,481$242,935$233,810$225,083$186,805
5 years$207,874$197,948$188,528$179,588$171,105$134,752
6 years$171,491$161,639$152,358$143,618$135,389$100,985
7 years$145,513$135,744$126,611$118,076$110,108$77,638
8 years$126,039$116,358$107,376$99,051$91,345$60,777
9 years$110,900$101,311$92,483$84,370$76,926$48,213
10 years$98,796$89,300$80,629$72,728$65,545$38,629
11 years$88,899$79,499$70,984$63,295$56,371$31,190
12 years$80,658$71,354$62,997$55,518$48,850$25,335
13 years$73,689$64,483$56,283$49,014$42,598$20,677
14 years$67,722$58,613$50,571$43,509$37,341$16,940
15 years$62,555$53,544$45,659$38,803$32,878$13,921
16 years$58,038$49,126$41,396$34,744$29,058$11,468
17 years$54,057$45,243$37,669$31,217$25,764$9,466
18 years$50,522$41,807$34,387$28,133$22,909$7,827
19 years$47,362$38,746$31,480$25,420$20,419$6,480
20 years$44,523$36,005$28,890$23,023$18,239$5,371
21 years$41,957$33,537$26,574$20,895$16,321$4,456
22 years$39,627$31,305$24,492$18,998$14,630$3,700
23 years$37,503$29,279$22,614$17,302$13,133$3,074
24 years$35,559$27,433$20,914$15,780$11,804$2,555
25 years$33,774$25,744$19,370$14,412$10,622$2,125
26 years$32,128$24,196$17,965$13,177$9,568$1,767
27 years$30,607$22,771$16,682$12,061$8,626$1,471
28 years$29,197$21,457$15,508$11,051$7,783$1,224
29 years$27,887$20,242$14,432$10,134$7,028$1,019
30 years$26,666$19,117$13,443$9,300$6,350$848
31 years$25,526$18,071$12,532$8,542$5,741$707
32 years$24,460$17,099$11,693$7,850$5,194$588
33 years$23,460$16,193$10,918$7,219$4,700$490
34 years$22,521$15,348$10,201$6,642$4,255$408
35 years$21,638$14,557$9,537$6,114$3,854$340
36 years$20,806$13,817$8,922$5,631$3,492$283
37 years$20,020$13,123$8,350$5,188$3,165$236
38 years$19,278$12,471$7,820$4,782$2,869$197
39 years$18,575$11,859$7,326$4,409$2,602$164
40 years$17,910$11,283$6,867$4,067$2,360$137
41 years$17,278$10,740$6,439$3,752$2,141$114
42 years$16,678$10,229$6,040$3,463$1,943$95
43 years$16,108$9,746$5,668$3,197$1,763$79
44 years$15,565$9,290$5,320$2,952$1,601$66
45 years$15,047$8,859$4,995$2,726$1,453$55
46 years$14,554$8,451$4,692$2,518$1,319$46
47 years$14,083$8,065$4,408$2,326$1,198$38
48 years$13,632$7,699$4,142$2,150$1,088$32
49 years$13,202$7,352$3,893$1,987$988$26
50 years$12,790$7,023$3,660$1,836$898$22

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 $3,368 every year, while hoping to spend $48,221 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: 59/15/26 Blend
34$13,100,000$13,100,000$13,100,000$13,100,000
35$14,439,674$13,745,374$13,542,324$15,189,915
36$15,861,214$14,367,591$13,944,685$16,324,373
37$17,426,135$15,018,680$14,358,909$17,555,731
38$19,149,011$15,700,005$14,785,343$18,897,831
39$21,045,900$16,412,996$15,224,342$20,361,434
40$23,134,499$17,159,149$15,676,274$21,958,380
41$25,434,305$17,940,034$16,141,516$23,701,695
42$27,966,803$18,757,296$16,620,457$25,605,711
43$30,755,670$19,612,656$17,113,495$27,686,201
44$33,826,994$20,507,922$17,621,042$29,960,520
45$37,209,521$21,444,984$18,143,521$32,447,771
46$40,934,929$22,425,825$18,681,366$35,168,980
47$45,038,126$23,452,524$19,235,025$38,147,289
48$49,557,575$24,527,258$19,804,959$41,408,174
49$54,535,663$25,652,309$20,391,640$44,979,680
50$60,019,097$26,830,068$20,995,557$48,892,682
51$66,059,346$28,063,043$21,617,210$53,181,175
52$72,713,128$29,353,861$22,257,114$57,882,585
53$80,042,940$30,705,273$22,915,801$63,038,126
54$88,117,656$32,120,167$23,593,816$68,693,176
55$97,013,168$33,601,566$24,291,720$74,897,707
56$106,813,108$35,152,641$25,010,090$81,706,750
57$117,609,638$36,776,712$25,749,521$89,180,906
58$129,504,313$38,477,264$26,510,622$97,386,920
59$142,609,048$40,257,945$27,294,023$106,398,298
60$157,047,168$42,122,581$28,100,370$116,296,001
61$172,954,574$44,075,182$28,930,327$127,169,197
62$190,481,026$46,119,952$29,784,579$139,116,103
63$209,791,557$48,261,295$30,663,828$152,244,903
64$231,068,027$50,503,831$31,568,798$166,674,761
65$254,510,847$52,852,399$32,500,233$182,536,940
66$280,340,861$55,312,074$33,458,898$199,976,034
67$308,801,438$57,888,175$34,445,581$219,151,326
68$340,160,768$60,586,279$35,461,091$240,238,282
69$374,714,389$63,412,229$36,506,260$263,430,198
70$412,787,981$66,372,153$37,581,945$288,940,021
71$454,740,442$69,472,475$38,689,026$317,002,344
72$500,967,267$72,719,927$39,828,409$347,875,617
73$551,904,293$76,121,568$41,001,026$381,844,571
74$608,031,804$79,684,798$42,207,833$419,222,900
75$669,879,070$83,417,374$43,449,817$460,356,209
76$738,029,339$87,327,430$44,727,990$505,625,269
77$813,125,347$91,423,490$46,043,393$555,449,595
78$895,875,385$95,714,493$47,397,099$610,291,398
79$987,059,980$100,209,809$48,790,208$670,659,932
80$1,087,539,272$104,919,264$50,223,854$737,116,293
81$1,198,261,125$109,853,155$51,699,200$810,278,698
82$1,320,270,082$115,022,282$53,217,446$890,828,309
83$1,454,717,222$120,437,965$54,779,822$979,515,647
84$1,602,871,027$126,112,074$56,387,594$1,077,167,663
85$1,766,129,358$132,057,052$58,042,065$1,184,695,526
86$1,946,032,653$138,285,948$59,744,574$1,303,103,211
87$2,144,278,463$144,812,439$61,496,498$1,433,496,956
88$2,362,737,487$151,650,868$63,299,250$1,577,095,687
89$2,603,471,223$158,816,274$65,154,288$1,735,242,510
90$2,868,751,437$166,324,421$67,063,106$1,909,417,363
91$3,161,081,607$174,191,841$69,027,244$2,101,250,972
92$3,483,220,557$182,435,866$71,048,282$2,312,540,223
93$3,838,208,500$191,074,671$73,127,846$2,545,265,100
94$4,229,395,747$200,127,309$75,267,609$2,801,607,354
95$4,660,474,327$209,613,762$77,469,288$3,083,971,076
96$5,135,512,850$219,554,977$79,734,650$3,395,005,366
97$5,658,994,910$229,972,921$82,065,511$3,737,629,314
98$6,235,861,424$240,890,626$84,463,737$4,115,059,529
99$6,871,557,266$252,332,244$86,931,250$4,530,840,478
100$7,572,082,680$264,323,097$89,470,020$4,988,877,915