Can I retire at age 35 with 13,400,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,044,826
2 years$547,802$537,599$527,712$518,125$508,826$485,063
3 years$361,573$351,327$341,464$331,968$322,820$299,745
4 years$268,478$258,263$248,499$239,164$230,238$208,028
5 years$212,635$202,481$192,845$183,701$175,023$153,742
6 years$175,418$165,341$155,848$146,907$138,490$118,159
7 years$148,845$138,853$129,510$120,780$112,629$93,252
8 years$128,925$119,023$109,835$101,320$93,437$75,007
9 years$113,439$103,631$94,601$86,302$78,687$61,190
10 years$101,058$91,345$82,475$74,393$67,046$50,464
11 years$90,935$81,319$72,610$64,744$57,661$41,973
12 years$82,505$72,988$64,439$56,789$49,968$35,148
13 years$75,377$65,960$57,572$50,137$43,573$29,595
14 years$69,273$59,956$51,729$44,506$38,196$25,031
15 years$63,987$54,771$46,704$39,691$33,631$21,249
16 years$59,367$50,251$42,344$35,539$29,723$18,095
17 years$55,295$46,279$38,532$31,932$26,354$15,448
18 years$51,679$42,764$35,174$28,777$23,433$13,217
19 years$48,447$39,633$32,200$26,002$20,887$11,329
20 years$45,542$36,829$29,552$23,550$18,656$9,726
21 years$42,918$34,305$27,182$21,373$16,695$8,361
22 years$40,535$32,022$25,053$19,433$14,965$7,195
23 years$38,362$29,950$23,132$17,698$13,433$6,198
24 years$36,374$28,061$21,393$16,142$12,074$5,343
25 years$34,547$26,334$19,814$14,742$10,865$4,610
26 years$32,864$24,750$18,376$13,479$9,787$3,979
27 years$31,308$23,292$17,064$12,338$8,824$3,437
28 years$29,866$21,948$15,863$11,304$7,962$2,970
29 years$28,525$20,706$14,762$10,366$7,189$2,567
30 years$27,277$19,554$13,750$9,513$6,496$2,220
31 years$26,111$18,485$12,819$8,737$5,873$1,920
32 years$25,020$17,491$11,960$8,030$5,312$1,661
33 years$23,997$16,564$11,168$7,384$4,808$1,438
34 years$23,037$15,699$10,434$6,794$4,353$1,244
35 years$22,134$14,890$9,755$6,254$3,943$1,077
36 years$21,282$14,133$9,126$5,760$3,572$933
37 years$20,479$13,423$8,542$5,307$3,238$807
38 years$19,720$12,757$7,999$4,892$2,935$699
39 years$19,001$12,130$7,494$4,510$2,662$606
40 years$18,320$11,541$7,024$4,160$2,414$525
41 years$17,674$10,986$6,586$3,838$2,190$454
42 years$17,060$10,463$6,178$3,542$1,987$394
43 years$16,477$9,969$5,798$3,270$1,804$341
44 years$15,921$9,502$5,442$3,019$1,637$295
45 years$15,392$9,061$5,110$2,788$1,486$256
46 years$14,887$8,644$4,799$2,576$1,350$222
47 years$14,405$8,249$4,509$2,380$1,225$192
48 years$13,945$7,875$4,237$2,199$1,113$166
49 years$13,504$7,520$3,983$2,032$1,011$144
50 years$13,083$7,184$3,744$1,878$918$125

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,400,000, adding $6,876 every year, while hoping to spend $50,795 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: 55/26/19 Blend
34$13,400,000$13,400,000$13,400,000$13,400,000
35$14,773,893$14,063,693$13,855,993$15,510,486
36$16,226,784$14,698,768$14,266,123$16,649,428
37$17,826,168$15,363,260$14,688,290$17,883,075
38$19,586,933$16,058,556$15,122,844$19,225,373
39$21,525,485$16,786,109$15,570,144$20,686,732
40$23,659,901$17,547,445$16,030,560$22,278,598
41$26,010,100$18,344,159$16,504,472$24,013,554
42$28,598,031$19,177,923$16,992,273$25,905,437
43$31,447,880$20,050,492$17,494,365$27,969,462
44$34,586,299$20,963,701$18,011,161$30,222,366
45$38,042,655$21,919,476$18,543,088$32,682,558
46$41,849,308$22,919,833$19,090,584$35,370,286
47$46,041,919$23,966,886$19,654,100$38,307,830
48$50,659,781$25,062,850$20,234,099$41,519,701
49$55,746,196$26,210,046$20,831,058$45,032,871
50$61,348,877$27,410,907$21,445,467$48,877,018
51$67,520,403$28,667,982$22,077,831$53,084,807
52$74,318,713$29,983,943$22,728,668$57,692,184
53$81,807,656$31,361,590$23,398,512$62,738,715
54$90,057,586$32,803,857$24,087,911$68,267,953
55$99,146,034$34,313,820$24,797,430$74,327,837
56$109,158,434$35,894,702$25,527,649$80,971,143
57$120,188,934$37,549,882$26,279,165$88,255,972
58$132,341,279$39,282,900$27,052,591$96,246,291
59$145,729,796$41,097,469$27,848,559$105,012,530
60$160,480,467$42,997,476$28,667,718$114,632,235
61$176,732,123$44,987,001$29,510,734$125,190,795
62$194,637,751$47,070,315$30,378,295$136,782,236
63$214,365,940$49,251,899$31,271,107$149,510,100
64$236,102,471$51,536,448$32,189,894$163,488,413
65$260,052,071$53,928,882$33,135,404$178,842,748
66$286,440,346$56,434,360$34,108,403$195,711,403
67$315,515,908$59,058,291$35,109,682$214,246,693
68$347,552,725$61,806,341$36,140,050$234,616,374
69$382,852,704$64,684,453$37,200,343$257,005,218
70$421,748,543$67,698,855$38,291,418$281,616,739
71$464,606,872$70,856,076$39,414,158$308,675,107
72$511,831,709$74,162,960$40,569,468$338,427,242
73$563,868,280$77,626,682$41,758,282$371,145,135
74$621,207,218$81,254,763$42,981,558$407,128,400
75$684,389,195$85,055,087$44,240,281$446,707,083
76$754,010,028$89,035,921$45,535,465$490,244,760
77$830,726,299$93,205,930$46,868,152$538,141,956
78$915,261,558$97,574,197$48,239,412$590,839,902
79$1,008,413,151$102,150,246$49,650,346$648,824,683
80$1,111,059,746$106,944,062$51,102,086$712,631,806
81$1,224,169,630$111,966,111$52,595,796$782,851,234
82$1,348,809,849$117,227,367$54,132,671$860,132,931
83$1,486,156,279$122,739,334$55,713,942$945,192,976
84$1,637,504,733$128,514,074$57,340,872$1,038,820,298
85$1,804,283,184$134,564,232$59,014,760$1,141,884,098
86$1,988,065,256$140,903,067$60,736,941$1,255,342,027
87$2,190,585,073$147,544,478$62,508,790$1,380,249,199
88$2,413,753,632$154,503,039$64,331,715$1,517,768,122
89$2,659,676,843$161,794,029$66,207,169$1,669,179,640
90$2,930,675,413$169,433,468$68,136,641$1,835,894,998
91$3,229,306,750$177,438,153$70,121,663$2,019,469,121
92$3,558,389,111$185,825,694$72,163,811$2,221,615,269
93$3,921,028,204$194,614,557$74,264,703$2,444,221,167
94$4,320,646,512$203,824,101$76,426,001$2,689,366,787
95$4,761,015,600$213,474,626$78,649,416$2,959,343,951
96$5,246,291,724$223,587,416$80,936,705$3,256,677,913
97$5,781,055,068$234,184,788$83,289,672$3,584,151,167
98$6,370,352,983$245,290,140$85,710,174$3,944,829,658
99$7,019,747,640$256,928,009$88,200,118$4,342,091,685
100$7,735,368,539$269,124,122$90,761,461$4,779,659,741