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%11.7%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,052,994
2 years$543,714$533,587$523,774$514,258$505,029$497,399
3 years$358,875$348,705$338,916$329,490$320,411$312,954
4 years$266,474$256,335$246,644$237,379$228,520$221,294
5 years$211,048$200,970$191,406$182,330$173,717$166,743
6 years$174,109$164,107$154,685$145,811$137,456$130,743
7 years$147,735$137,817$128,544$119,879$111,789$105,339
8 years$127,963$118,135$109,015$100,564$92,740$86,553
9 years$112,593$102,857$93,895$85,658$78,100$72,176
10 years$100,304$90,664$81,860$73,838$66,545$60,880
11 years$90,256$80,713$72,068$64,261$57,231$51,821
12 years$81,889$72,443$63,958$56,366$49,595$44,435
13 years$74,814$65,468$57,143$49,762$43,248$38,333
14 years$68,756$59,508$51,343$44,173$37,911$33,234
15 years$63,510$54,362$46,356$39,395$33,380$28,936
16 years$58,924$49,876$42,028$35,274$29,501$25,283
17 years$54,882$45,934$38,244$31,693$26,158$22,158
18 years$51,293$42,445$34,912$28,562$23,258$19,471
19 years$48,086$39,338$31,960$25,808$20,731$17,147
20 years$45,202$36,554$29,331$23,374$18,517$15,131
21 years$42,597$34,049$26,979$21,214$16,571$13,374
22 years$40,232$31,783$24,866$19,288$14,853$11,838
23 years$38,076$29,726$22,959$17,566$13,333$10,493
24 years$36,102$27,852$21,233$16,021$11,984$9,311
25 years$34,289$26,137$19,666$14,632$10,784$8,270
26 years$32,619$24,565$18,239$13,378$9,714$7,352
27 years$31,074$23,119$16,937$12,246$8,758$6,541
28 years$29,643$21,784$15,745$11,220$7,902$5,823
29 years$28,312$20,551$14,652$10,289$7,136$5,188
30 years$27,073$19,408$13,648$9,442$6,447$4,624
31 years$25,916$18,347$12,723$8,672$5,829$4,123
32 years$24,833$17,360$11,871$7,970$5,273$3,679
33 years$23,818$16,441$11,084$7,329$4,772$3,283
34 years$22,865$15,582$10,356$6,743$4,320$2,931
35 years$21,968$14,779$9,683$6,208$3,913$2,617
36 years$21,123$14,028$9,058$5,717$3,546$2,338
37 years$20,326$13,323$8,478$5,267$3,213$2,089
38 years$19,572$12,662$7,939$4,855$2,913$1,867
39 years$18,859$12,040$7,438$4,477$2,642$1,669
40 years$18,183$11,455$6,972$4,129$2,396$1,492
41 years$17,542$10,904$6,537$3,810$2,174$1,334
42 years$16,933$10,385$6,132$3,516$1,973$1,193
43 years$16,354$9,895$5,754$3,245$1,790$1,067
44 years$15,802$9,432$5,401$2,997$1,625$954
45 years$15,277$8,994$5,072$2,768$1,475$854
46 years$14,776$8,580$4,764$2,556$1,339$764
47 years$14,298$8,188$4,475$2,362$1,216$683
48 years$13,841$7,816$4,205$2,182$1,105$611
49 years$13,404$7,464$3,953$2,017$1,003$547
50 years$12,985$7,130$3,716$1,864$911$489

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 $5,514 every year, while hoping to spend $27,395 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: 84/5/11 Blend
34$13,300,000$13,300,000$13,300,000$13,300,000
35$14,662,288$13,957,388$13,751,238$15,867,439
36$16,128,693$14,612,152$14,182,756$17,311,459
37$17,743,753$15,298,081$14,627,812$18,893,145
38$19,522,603$16,016,673$15,086,831$20,629,751
39$21,481,918$16,769,500$15,560,249$22,536,846
40$23,640,076$17,558,208$16,048,520$24,631,579
41$26,017,326$18,384,523$16,552,108$26,932,838
42$28,635,984$19,250,255$17,071,494$29,461,430
43$31,520,639$20,157,302$17,607,173$32,240,272
44$34,698,388$21,107,653$18,159,657$35,294,611
45$38,199,090$22,103,395$18,729,473$38,652,255
46$42,055,651$23,146,715$19,317,163$42,343,841
47$46,304,328$24,239,905$19,923,289$46,403,117
48$50,985,080$25,385,370$20,548,429$50,867,262
49$56,141,935$26,585,631$21,193,179$55,777,235
50$61,823,416$27,843,330$21,858,154$61,178,158
51$68,082,991$29,161,239$22,543,989$67,119,745
52$74,979,580$30,542,264$23,251,336$73,656,763
53$82,578,113$31,989,451$23,980,872$80,849,554
54$90,950,141$33,505,994$24,733,291$88,764,597
55$100,174,511$35,095,244$25,509,313$97,475,137
56$110,338,112$36,760,712$26,309,675$107,061,874
57$121,536,692$38,506,080$27,135,143$117,613,721
58$133,875,767$40,335,210$27,986,502$129,228,642
59$147,471,611$42,252,151$28,864,566$142,014,576
60$162,452,357$44,261,148$29,770,171$156,090,451
61$178,959,207$46,366,654$30,704,180$171,587,306
62$197,147,762$48,573,335$31,667,486$188,649,524
63$217,189,493$50,886,088$32,661,006$207,436,194
64$239,273,359$53,310,044$33,685,687$228,122,609
65$263,607,591$55,850,586$34,742,508$250,901,919
66$290,421,658$58,513,357$35,832,475$275,986,947
67$319,968,432$61,304,277$36,956,627$303,612,201
68$352,526,575$64,229,550$38,116,038$334,036,082
69$388,403,172$67,295,684$39,311,811$367,543,318
70$427,936,627$70,509,503$40,545,088$404,447,651
71$471,499,859$73,878,165$41,817,044$445,094,793
72$519,503,821$77,409,172$43,128,892$489,865,690
73$572,401,384$81,110,394$44,481,883$539,180,107
74$630,691,605$84,990,083$45,877,306$593,500,593
75$694,924,445$89,056,894$47,316,492$653,336,841
76$765,705,958$93,319,901$48,800,814$719,250,493
77$843,704,010$97,788,620$50,331,685$791,860,443
78$929,654,588$102,473,032$51,910,566$871,848,668
79$1,024,368,748$107,383,603$53,538,962$959,966,665
80$1,128,740,268$112,531,307$55,218,425$1,057,042,541
81$1,243,754,090$117,927,655$56,950,556$1,163,988,821
82$1,370,495,614$123,584,717$58,737,007$1,281,811,060
83$1,510,160,949$129,515,151$60,579,479$1,411,617,332
84$1,664,068,204$135,732,232$62,479,731$1,554,628,678
85$1,833,669,931$142,249,881$64,439,571$1,712,190,633
86$2,020,566,837$149,082,699$66,460,870$1,885,785,920
87$2,226,522,899$156,245,995$68,545,554$2,077,048,436
88$2,453,482,014$163,755,828$70,695,609$2,287,778,679
89$2,703,586,352$171,629,037$72,913,085$2,519,960,730
90$2,979,196,582$179,883,281$75,200,095$2,775,780,977
91$3,282,914,155$188,537,083$77,558,819$3,057,648,754
92$3,617,605,865$197,609,867$79,991,506$3,368,219,067
93$3,986,430,915$207,122,002$82,500,473$3,710,417,662
94$4,392,870,741$217,094,853$85,088,112$4,087,468,626
95$4,840,761,882$227,550,826$87,756,890$4,502,924,823
96$5,334,332,197$238,513,419$90,509,348$4,960,701,418
97$5,878,240,780$250,007,277$93,348,111$5,465,112,835
98$6,477,621,951$262,058,244$96,275,883$6,020,913,473
99$7,138,133,719$274,693,427$99,295,455$6,633,342,579
100$7,866,011,210$287,941,256$102,409,704$7,308,173,701