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%15.7%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,035,763
2 years$543,714$533,587$523,774$514,258$505,029$480,187
3 years$358,875$348,705$338,916$329,490$320,411$296,301
4 years$266,474$256,335$246,644$237,379$228,520$205,327
5 years$211,048$200,970$191,406$182,330$173,717$151,506
6 years$174,109$164,107$154,685$145,811$137,456$116,250
7 years$147,735$137,817$128,544$119,879$111,789$91,591
8 years$127,963$118,135$109,015$100,564$92,740$73,542
9 years$112,593$102,857$93,895$85,658$78,100$59,887
10 years$100,304$90,664$81,860$73,838$66,545$49,297
11 years$90,256$80,713$72,068$64,261$57,231$40,924
12 years$81,889$72,443$63,958$56,366$49,595$34,203
13 years$74,814$65,468$57,143$49,762$43,248$28,741
14 years$68,756$59,508$51,343$44,173$37,911$24,260
15 years$63,510$54,362$46,356$39,395$33,380$20,552
16 years$58,924$49,876$42,028$35,274$29,501$17,463
17 years$54,882$45,934$38,244$31,693$26,158$14,877
18 years$51,293$42,445$34,912$28,562$23,258$12,700
19 years$48,086$39,338$31,960$25,808$20,731$10,862
20 years$45,202$36,554$29,331$23,374$18,517$9,304
21 years$42,597$34,049$26,979$21,214$16,571$7,979
22 years$40,232$31,783$24,866$19,288$14,853$6,851
23 years$38,076$29,726$22,959$17,566$13,333$5,888
24 years$36,102$27,852$21,233$16,021$11,984$5,064
25 years$34,289$26,137$19,666$14,632$10,784$4,358
26 years$32,619$24,565$18,239$13,378$9,714$3,753
27 years$31,074$23,119$16,937$12,246$8,758$3,234
28 years$29,643$21,784$15,745$11,220$7,902$2,787
29 years$28,312$20,551$14,652$10,289$7,136$2,404
30 years$27,073$19,408$13,648$9,442$6,447$2,073
31 years$25,916$18,347$12,723$8,672$5,829$1,789
32 years$24,833$17,360$11,871$7,970$5,273$1,544
33 years$23,818$16,441$11,084$7,329$4,772$1,333
34 years$22,865$15,582$10,356$6,743$4,320$1,151
35 years$21,968$14,779$9,683$6,208$3,913$993
36 years$21,123$14,028$9,058$5,717$3,546$858
37 years$20,326$13,323$8,478$5,267$3,213$741
38 years$19,572$12,662$7,939$4,855$2,913$640
39 years$18,859$12,040$7,438$4,477$2,642$553
40 years$18,183$11,455$6,972$4,129$2,396$478
41 years$17,542$10,904$6,537$3,810$2,174$413
42 years$16,933$10,385$6,132$3,516$1,973$357
43 years$16,354$9,895$5,754$3,245$1,790$308
44 years$15,802$9,432$5,401$2,997$1,625$266
45 years$15,277$8,994$5,072$2,768$1,475$230
46 years$14,776$8,580$4,764$2,556$1,339$199
47 years$14,298$8,188$4,475$2,362$1,216$172
48 years$13,841$7,816$4,205$2,182$1,105$148
49 years$13,404$7,464$3,953$2,017$1,003$128
50 years$12,985$7,130$3,716$1,864$911$111

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 $4,184 every year, while hoping to spend $35,238 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: 68/14/18 Blend
34$13,300,000$13,300,000$13,300,000$13,300,000
35$14,660,916$13,956,016$13,749,866$15,593,417
36$16,118,836$14,602,368$14,172,993$16,863,001
37$17,724,284$15,279,210$14,609,115$18,246,688
38$19,492,268$15,987,999$15,058,628$19,759,361
39$21,439,331$16,730,262$15,521,943$21,413,715
40$23,583,698$17,507,600$15,999,483$23,223,721
41$25,945,453$18,321,690$16,491,684$25,204,757
42$28,546,728$19,174,292$16,998,994$27,373,750
43$31,411,910$20,067,248$17,521,876$29,749,331
44$34,567,874$21,002,492$18,060,808$32,352,012
45$38,044,232$21,982,050$18,616,281$35,204,373
46$41,873,618$23,008,044$19,188,800$38,331,273
47$46,091,990$24,082,702$19,778,888$41,760,084
48$50,738,976$25,208,356$20,387,083$45,520,941
49$55,858,240$26,387,455$21,013,939$49,647,031
50$61,497,902$27,622,561$21,660,028$54,174,893
51$67,710,986$28,916,365$22,325,937$59,144,766
52$74,555,924$30,271,684$23,012,273$64,600,965
53$82,097,106$31,691,474$23,719,662$70,592,291
54$90,405,487$33,178,833$24,448,747$77,172,489
55$99,559,260$34,737,009$25,200,193$84,400,755
56$109,644,588$36,369,406$25,974,683$92,342,284
57$120,756,424$38,079,594$26,772,923$101,068,884
58$132,999,401$39,871,317$27,595,638$110,659,650
59$146,488,826$41,748,497$28,443,577$121,201,703
60$161,351,762$43,715,249$29,317,513$132,791,006
61$177,728,231$45,775,886$30,218,239$145,533,269
62$195,772,535$47,934,929$31,146,575$159,544,935
63$215,654,714$50,197,121$32,103,365$174,954,279
64$237,562,146$52,567,431$33,089,479$191,902,607
65$261,701,322$55,051,072$34,105,814$210,545,588
66$288,299,790$57,653,508$35,153,292$231,054,711
67$317,608,308$60,380,469$36,232,866$253,618,903
68$349,903,205$63,237,962$37,345,518$278,446,299
69$385,488,996$66,232,286$38,492,256$305,766,204
70$424,701,251$69,370,046$39,674,124$335,831,244
71$467,909,766$72,658,165$40,892,195$368,919,746
72$515,522,053$76,103,905$42,147,574$405,338,357
73$567,987,185$79,714,880$43,441,401$445,424,923
74$625,800,041$83,499,072$44,774,850$489,551,679
75$689,505,970$87,464,851$46,149,133$538,128,742
76$759,705,945$91,620,995$47,565,494$591,607,977
77$837,062,234$95,976,706$49,025,221$650,487,255
78$922,304,652$100,541,635$50,529,636$715,315,131
79$1,016,237,452$105,325,901$52,080,105$786,696,023
80$1,119,746,916$110,340,114$53,678,032$865,295,893
81$1,233,809,723$115,595,401$55,324,867$951,848,530
82$1,359,502,167$121,103,428$57,022,103$1,047,162,458
83$1,498,010,322$126,876,430$58,771,278$1,152,128,556
84$1,650,641,236$132,927,236$60,573,976$1,267,728,452
85$1,818,835,269$139,269,297$62,431,831$1,395,043,775
86$2,004,179,695$145,916,722$64,346,527$1,535,266,350
87$2,208,423,685$152,884,302$66,319,796$1,689,709,430
88$2,433,494,817$160,187,549$68,353,426$1,859,820,078
89$2,681,517,281$167,842,732$70,449,258$2,047,192,806
90$2,954,831,925$175,866,906$72,609,189$2,253,584,612
91$3,256,018,358$184,277,962$74,835,174$2,480,931,544
92$3,587,919,306$193,094,657$77,129,228$2,731,366,956
93$3,953,667,443$202,336,663$79,493,425$3,007,241,624
94$4,356,714,971$212,024,609$81,929,904$3,311,145,919
95$4,800,866,212$222,180,128$84,440,868$3,645,934,233
96$5,290,313,517$232,825,906$87,028,590$4,014,751,904
97$5,829,676,855$243,985,735$89,695,406$4,421,064,880
98$6,424,047,421$255,684,562$92,443,729$4,868,692,412
99$7,079,035,705$267,948,554$95,276,042$5,361,843,082
100$7,800,824,462$280,805,147$98,194,904$5,905,154,505