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

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 $13,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,040,593
2 years$547,802$537,599$527,712$518,125$508,826$480,865
3 years$361,573$351,327$341,464$331,968$322,820$295,716
4 years$268,478$258,263$248,499$239,164$230,238$204,198
5 years$212,635$202,481$192,845$183,701$175,023$150,120
6 years$175,418$165,341$155,848$146,907$138,490$114,748
7 years$148,845$138,853$129,510$120,780$112,629$90,050
8 years$128,925$119,023$109,835$101,320$93,437$72,009
9 years$113,439$103,631$94,601$86,302$78,687$58,392
10 years$101,058$91,345$82,475$74,393$67,046$47,858
11 years$90,935$81,319$72,610$64,744$57,661$39,552
12 years$82,505$72,988$64,439$56,789$49,968$32,905
13 years$75,377$65,960$57,572$50,137$43,573$27,521
14 years$69,273$59,956$51,729$44,506$38,196$23,118
15 years$63,987$54,771$46,704$39,691$33,631$19,489
16 years$59,367$50,251$42,344$35,539$29,723$16,478
17 years$55,295$46,279$38,532$31,932$26,354$13,966
18 years$51,679$42,764$35,174$28,777$23,433$11,862
19 years$48,447$39,633$32,200$26,002$20,887$10,092
20 years$45,542$36,829$29,552$23,550$18,656$8,598
21 years$42,918$34,305$27,182$21,373$16,695$7,335
22 years$40,535$32,022$25,053$19,433$14,965$6,263
23 years$38,362$29,950$23,132$17,698$13,433$5,353
24 years$36,374$28,061$21,393$16,142$12,074$4,579
25 years$34,547$26,334$19,814$14,742$10,865$3,919
26 years$32,864$24,750$18,376$13,479$9,787$3,356
27 years$31,308$23,292$17,064$12,338$8,824$2,875
28 years$29,866$21,948$15,863$11,304$7,962$2,464
29 years$28,525$20,706$14,762$10,366$7,189$2,113
30 years$27,277$19,554$13,750$9,513$6,496$1,812
31 years$26,111$18,485$12,819$8,737$5,873$1,554
32 years$25,020$17,491$11,960$8,030$5,312$1,334
33 years$23,997$16,564$11,168$7,384$4,808$1,144
34 years$23,037$15,699$10,434$6,794$4,353$982
35 years$22,134$14,890$9,755$6,254$3,943$843
36 years$21,282$14,133$9,126$5,760$3,572$724
37 years$20,479$13,423$8,542$5,307$3,238$622
38 years$19,720$12,757$7,999$4,892$2,935$534
39 years$19,001$12,130$7,494$4,510$2,662$458
40 years$18,320$11,541$7,024$4,160$2,414$394
41 years$17,674$10,986$6,586$3,838$2,190$338
42 years$17,060$10,463$6,178$3,542$1,987$290
43 years$16,477$9,969$5,798$3,270$1,804$249
44 years$15,921$9,502$5,442$3,019$1,637$214
45 years$15,392$9,061$5,110$2,788$1,486$184
46 years$14,887$8,644$4,799$2,576$1,350$158
47 years$14,405$8,249$4,509$2,380$1,225$136
48 years$13,945$7,875$4,237$2,199$1,113$117
49 years$13,504$7,520$3,983$2,032$1,011$100
50 years$13,083$7,184$3,744$1,878$918$86

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 $6,422 every year, while hoping to spend $25,210 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: 37/33/30 Blend
34$13,400,000$13,400,000$13,400,000$13,400,000
35$14,773,424$14,063,224$13,855,524$15,187,464
36$16,253,490$14,725,499$14,292,861$16,157,941
37$17,883,678$15,419,380$14,744,004$17,202,766
38$19,679,274$16,146,390$15,209,388$18,330,919
39$21,657,121$16,908,125$15,689,464$19,549,961
40$23,835,781$17,706,257$16,184,695$20,868,183
41$26,235,708$18,542,541$16,695,560$22,294,681
42$28,879,441$19,418,816$17,222,552$23,839,433
43$31,791,817$20,337,011$17,766,180$25,513,394
44$35,000,206$21,299,148$18,326,970$27,328,586
45$38,534,767$22,307,346$18,905,464$29,298,207
46$42,428,737$23,363,830$19,502,221$31,436,753
47$46,718,739$24,470,928$20,117,816$33,760,142
48$51,445,133$25,631,087$20,752,846$36,285,861
49$56,652,394$26,846,867$21,407,923$39,033,121
50$62,389,530$28,120,956$22,083,681$42,023,032
51$68,710,550$29,456,171$22,780,772$45,278,793
52$75,674,969$30,855,465$23,499,871$48,825,901
53$83,348,371$32,321,938$24,241,671$52,692,387
54$91,803,028$33,858,836$25,006,890$56,909,064
55$101,118,583$35,469,566$25,796,268$61,509,816
56$111,382,802$37,157,698$26,610,566$66,531,900
57$122,692,400$38,926,978$27,450,573$72,016,292
58$135,153,957$40,781,331$28,317,099$78,008,059
59$148,884,921$42,724,877$29,210,982$84,556,774
60$164,014,718$44,761,932$30,133,085$91,716,974
61$180,685,977$46,897,023$31,084,301$99,548,655
62$199,055,869$49,134,900$32,065,548$108,117,834
63$219,297,598$51,480,540$33,077,774$117,497,148
64$241,602,031$53,939,165$34,121,957$127,766,534
65$266,179,503$56,516,249$35,199,107$139,013,961
66$293,261,799$59,217,532$36,310,265$151,336,247
67$323,104,348$62,049,037$37,456,504$164,839,958
68$355,988,627$65,017,075$38,638,932$179,642,393
69$392,224,823$68,128,267$39,858,692$195,872,673
70$432,154,759$71,389,557$41,116,963$213,672,943
71$476,155,124$74,808,224$42,414,960$233,199,691
72$524,641,024$78,391,905$43,753,939$254,625,205
73$578,069,905$82,148,605$45,135,193$278,139,177
74$636,945,870$86,086,721$46,560,056$303,950,470
75$701,824,438$90,215,060$48,029,908$332,289,067
76$773,317,788$94,542,855$49,546,167$363,408,216
77$852,100,538$99,079,791$51,110,299$397,586,792
78$938,916,115$103,836,023$52,723,816$435,131,904
79$1,034,583,773$108,822,202$54,388,278$476,381,765
80$1,140,006,326$114,049,497$56,105,293$521,708,855
81$1,256,178,671$119,529,623$57,876,521$571,523,403
82$1,384,197,185$125,274,864$59,703,673$626,277,229
83$1,525,270,068$131,298,102$61,588,516$686,467,971
84$1,680,728,755$137,612,850$63,532,872$752,643,752
85$1,852,040,484$144,233,275$65,538,620$825,408,311
86$2,040,822,148$151,174,240$67,607,698$905,426,665
87$2,248,855,557$158,451,329$69,742,106$993,431,345
88$2,478,104,266$166,080,885$71,943,908$1,090,229,268
89$2,730,732,104$174,080,051$74,215,232$1,196,709,309
90$3,009,123,609$182,466,804$76,558,273$1,313,850,644
91$3,315,906,538$191,259,999$78,975,296$1,442,731,942
92$3,653,976,674$200,479,408$81,468,637$1,584,541,500
93$4,026,525,165$210,145,769$84,040,707$1,740,588,403
94$4,437,068,653$220,280,833$86,693,992$1,912,314,827
95$4,889,482,471$230,907,409$89,431,056$2,101,309,593
96$5,388,037,232$242,049,421$92,254,545$2,309,323,101
97$5,937,439,147$253,731,960$95,167,190$2,538,283,795
98$6,542,874,454$265,981,340$98,171,804$2,790,316,294
99$7,210,058,382$278,825,159$101,271,293$3,067,761,380
100$7,945,289,109$292,292,364$104,468,654$3,373,198,022