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 $3,771 every year, while hoping to spend $51,329 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: 70/7/23 Blend
34$13,100,000$13,100,000$13,100,000$13,100,000
35$14,440,090$13,745,790$13,542,740$15,367,295
36$15,858,365$14,364,720$13,941,808$16,606,489
37$17,419,585$15,012,257$14,352,524$17,956,134
38$19,138,274$15,689,749$14,775,226$19,432,304
39$21,030,439$16,398,608$15,210,257$21,047,531
40$23,113,716$17,140,313$15,657,973$22,815,615
41$25,407,541$17,916,414$16,118,741$24,751,748
42$27,933,327$18,728,534$16,592,935$26,872,658
43$30,714,670$19,578,377$17,080,943$29,196,763
44$33,777,574$20,467,724$17,583,161$31,744,348
45$37,150,688$21,398,445$18,099,999$34,537,748
46$40,865,586$22,372,497$18,631,877$37,601,563
47$44,957,058$23,391,931$19,179,227$40,962,883
48$49,463,440$24,458,898$19,742,494$44,651,544
49$54,426,978$25,575,650$20,322,133$48,700,409
50$59,894,221$26,744,549$20,918,617$53,145,672
51$65,916,467$27,968,067$21,532,426$58,027,201
52$72,550,244$29,248,799$22,164,059$63,388,909
53$79,857,840$30,589,461$22,814,026$69,279,166
54$87,907,895$31,992,901$23,482,852$75,751,258
55$96,776,051$33,462,103$24,171,077$82,863,879
56$106,545,656$35,000,195$24,879,257$90,681,689
57$117,308,563$36,610,454$25,607,962$99,275,917
58$129,165,986$38,296,317$26,357,779$108,725,034
59$142,229,464$40,061,383$27,129,311$119,115,487
60$156,621,905$41,909,426$27,923,179$130,542,514
61$172,478,753$43,844,402$28,740,019$143,111,039
62$189,949,265$45,870,457$29,580,489$156,936,657
63$209,197,916$47,991,935$30,445,261$172,146,725
64$230,405,955$50,213,391$31,335,029$188,881,558
65$253,773,114$52,539,599$32,250,504$207,295,749
66$279,519,494$54,975,562$33,192,418$227,559,626
67$307,887,643$57,526,526$34,161,525$249,860,855
68$339,144,844$60,197,987$35,158,598$274,406,206
69$373,585,638$62,995,708$36,184,431$301,423,500
70$411,534,606$65,925,731$37,239,842$331,163,757
71$453,349,431$68,994,386$38,325,671$363,903,559
72$499,424,274$72,208,312$39,442,782$399,947,654
73$550,193,496$75,574,466$40,592,062$439,631,833
74$606,135,760$79,100,142$41,774,424$483,326,086
75$667,778,544$82,792,986$42,990,803$531,438,096
76$735,703,126$86,661,012$44,242,166$584,417,079
77$810,550,067$90,712,624$45,529,500$642,758,015
78$893,025,260$94,956,629$46,853,825$707,006,322
79$983,906,595$99,402,262$48,216,186$777,762,988
80$1,084,051,297$104,059,202$49,617,658$855,690,247
81$1,194,404,025$108,937,599$51,059,345$941,517,814
82$1,316,005,786$114,048,091$52,542,383$1,036,049,774
83$1,450,003,761$119,401,833$54,067,938$1,140,172,161
84$1,597,662,140$125,010,518$55,637,209$1,254,861,314
85$1,760,374,050$130,886,405$57,251,427$1,381,193,084
86$1,939,674,711$137,042,347$58,911,859$1,520,352,987
87$2,137,255,930$143,491,820$60,619,804$1,673,647,380
88$2,354,982,065$150,248,950$62,376,598$1,842,515,787
89$2,594,907,637$157,328,550$64,183,615$2,028,544,477
90$2,859,296,715$164,746,148$66,042,265$2,233,481,432
91$3,150,644,297$172,518,026$67,953,998$2,459,252,831
92$3,471,699,861$180,661,254$69,920,303$2,707,981,233
93$3,825,493,322$189,193,731$71,942,708$2,982,005,591
94$4,215,363,639$198,134,222$74,022,787$3,283,903,330
95$4,644,990,333$207,502,402$76,162,153$3,616,514,663
96$5,118,428,227$217,318,900$78,362,465$3,982,969,391
97$5,640,145,726$227,605,346$80,625,428$4,386,716,434
98$6,215,067,002$238,384,419$82,952,791$4,831,556,380
99$6,848,618,479$249,679,899$85,346,353$5,321,677,350
100$7,546,780,068$261,516,719$87,807,960$5,861,694,516