Can I retire at age 35 with 13,300,000?

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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,026,201
2 years$543,714$533,587$523,774$514,258$505,029$470,734
3 years$358,875$348,705$338,916$329,490$320,411$287,258
4 years$266,474$256,335$246,644$237,379$228,520$196,762
5 years$211,048$200,970$191,406$182,330$173,717$143,440
6 years$174,109$164,107$154,685$145,811$137,456$108,685
7 years$147,735$137,817$128,544$119,879$111,789$84,520
8 years$127,963$118,135$109,015$100,564$92,740$66,954
9 years$112,593$102,857$93,895$85,658$78,100$53,768
10 years$100,304$90,664$81,860$73,838$66,545$43,629
11 years$90,256$80,713$72,068$64,261$57,231$35,688
12 years$81,889$72,443$63,958$56,366$49,595$29,378
13 years$74,814$65,468$57,143$49,762$43,248$24,307
14 years$68,756$59,508$51,343$44,173$37,911$20,194
15 years$63,510$54,362$46,356$39,395$33,380$16,833
16 years$58,924$49,876$42,028$35,274$29,501$14,069
17 years$54,882$45,934$38,244$31,693$26,158$11,786
18 years$51,293$42,445$34,912$28,562$23,258$9,892
19 years$48,086$39,338$31,960$25,808$20,731$8,315
20 years$45,202$36,554$29,331$23,374$18,517$6,999
21 years$42,597$34,049$26,979$21,214$16,571$5,897
22 years$40,232$31,783$24,866$19,288$14,853$4,973
23 years$38,076$29,726$22,959$17,566$13,333$4,197
24 years$36,102$27,852$21,233$16,021$11,984$3,545
25 years$34,289$26,137$19,666$14,632$10,784$2,995
26 years$32,619$24,565$18,239$13,378$9,714$2,532
27 years$31,074$23,119$16,937$12,246$8,758$2,141
28 years$29,643$21,784$15,745$11,220$7,902$1,812
29 years$28,312$20,551$14,652$10,289$7,136$1,533
30 years$27,073$19,408$13,648$9,442$6,447$1,297
31 years$25,916$18,347$12,723$8,672$5,829$1,098
32 years$24,833$17,360$11,871$7,970$5,273$930
33 years$23,818$16,441$11,084$7,329$4,772$787
34 years$22,865$15,582$10,356$6,743$4,320$667
35 years$21,968$14,779$9,683$6,208$3,913$565
36 years$21,123$14,028$9,058$5,717$3,546$478
37 years$20,326$13,323$8,478$5,267$3,213$405
38 years$19,572$12,662$7,939$4,855$2,913$343
39 years$18,859$12,040$7,438$4,477$2,642$291
40 years$18,183$11,455$6,972$4,129$2,396$246
41 years$17,542$10,904$6,537$3,810$2,174$209
42 years$16,933$10,385$6,132$3,516$1,973$177
43 years$16,354$9,895$5,754$3,245$1,790$150
44 years$15,802$9,432$5,401$2,997$1,625$127
45 years$15,277$8,994$5,072$2,768$1,475$108
46 years$14,776$8,580$4,764$2,556$1,339$91
47 years$14,298$8,188$4,475$2,362$1,216$77
48 years$13,841$7,816$4,205$2,182$1,105$66
49 years$13,404$7,464$3,953$2,017$1,003$56
50 years$12,985$7,130$3,716$1,864$911$47

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,300,000, adding $3,656 every year, while hoping to spend $37,179 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: 53/18/29 Blend
34$13,300,000$13,300,000$13,300,000$13,300,000
35$14,660,371$13,955,471$13,749,321$15,318,212
36$16,116,171$14,599,731$14,170,365$16,419,475
37$17,719,216$15,274,314$14,604,268$17,613,262
38$19,484,486$15,980,665$15,051,422$18,911,771
39$21,428,489$16,720,303$15,512,229$20,325,050
40$23,569,412$17,494,814$15,987,106$21,864,148
41$25,927,298$18,305,867$16,476,480$23,541,213
42$28,524,234$19,155,205$16,980,793$25,369,607
43$31,384,556$20,044,661$17,500,500$27,364,027
44$34,535,082$20,976,151$18,036,069$29,540,638
45$38,005,366$21,951,688$18,587,982$31,917,225
46$41,827,971$22,973,378$19,156,738$34,513,356
47$46,038,783$24,043,433$19,742,847$37,350,559
48$50,677,345$25,164,167$20,346,838$40,452,527
49$55,787,232$26,338,009$20,969,255$43,845,332
50$61,416,462$27,567,504$21,610,659$47,557,667
51$67,617,951$28,855,322$22,271,625$51,621,115
52$74,450,008$30,204,258$22,952,750$56,070,440
53$81,976,887$31,617,245$23,654,646$60,943,906
54$90,269,397$33,097,358$24,377,944$66,283,641
55$99,405,565$34,647,818$25,123,295$72,136,021
56$109,471,377$36,272,005$25,891,369$78,552,104
57$120,561,583$37,973,459$26,682,856$85,588,107
58$132,780,601$39,755,895$27,498,468$93,305,931
59$146,243,494$41,623,205$28,338,938$101,773,734
60$161,077,059$43,579,471$29,205,021$111,066,570
61$177,421,024$45,628,970$30,097,494$121,267,091
62$195,429,368$47,776,189$31,017,160$132,466,317
63$215,271,772$50,025,831$31,964,843$144,764,486
64$237,135,222$52,382,826$32,941,395$158,271,997
65$261,225,775$54,852,345$33,947,692$173,110,438
66$287,770,501$57,439,807$34,984,637$189,413,725
67$317,019,630$60,150,895$36,053,160$207,329,361
68$349,248,911$62,991,568$37,154,220$227,019,811
69$384,762,217$65,968,071$38,288,803$248,664,032
70$423,894,412$69,086,956$39,457,927$272,459,145
71$467,014,515$72,355,089$40,662,640$298,622,291
72$514,529,178$75,779,672$41,904,021$327,392,664
73$566,886,531$79,368,253$43,183,183$359,033,756
74$624,580,409$83,128,749$44,501,271$393,835,834
75$688,155,013$87,069,459$45,859,466$432,118,668
76$758,210,049$91,199,088$47,258,983$474,234,529
77$835,406,392$95,526,761$48,701,076$520,571,505
78$920,472,316$100,062,045$50,187,035$571,557,148
79$1,014,210,381$104,814,974$51,718,190$627,662,493
80$1,117,505,001$109,796,068$53,295,909$689,406,488
81$1,231,330,793$115,016,358$54,921,605$757,360,875
82$1,356,761,786$120,487,411$56,596,731$832,155,571
83$1,494,981,550$126,221,356$58,322,783$914,484,591
84$1,647,294,378$132,230,912$60,101,306$1,005,112,583
85$1,815,137,592$138,529,414$61,933,887$1,104,882,027
86$2,000,095,118$145,130,847$63,822,164$1,214,721,161
87$2,203,912,437$152,049,876$65,767,823$1,335,652,725
88$2,428,513,062$159,301,876$67,772,602$1,468,803,591
89$2,676,016,700$166,902,974$69,838,290$1,615,415,376
90$2,948,759,262$174,870,078$71,966,731$1,776,856,139
91$3,249,314,913$183,220,919$74,159,823$1,954,633,264
92$3,580,520,381$191,974,090$76,419,524$2,150,407,668
93$3,945,501,730$201,149,091$78,747,848$2,366,009,445
94$4,347,703,877$210,766,366$81,146,871$2,603,455,118
95$4,790,923,113$220,847,359$83,618,732$2,864,966,639
96$5,279,342,945$231,414,554$86,165,634$3,152,992,332
97$5,817,573,589$242,491,531$88,789,846$3,470,229,974
98$6,410,695,494$254,103,015$91,493,705$3,819,652,222
99$7,064,307,310$266,274,939$94,279,620$4,204,534,641
100$7,784,578,739$279,034,494$97,150,071$4,628,486,586