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%19.4%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,028,170
2 years$547,802$537,599$527,712$518,125$508,826$468,628
3 years$361,573$351,327$341,464$331,968$322,820$284,054
4 years$268,478$258,263$248,499$239,164$230,238$193,198
5 years$212,635$202,481$192,845$183,701$175,023$139,806
6 years$175,418$165,341$155,848$146,907$138,490$105,119
7 years$148,845$138,853$129,510$120,780$112,629$81,095
8 years$128,925$119,023$109,835$101,320$93,437$63,710
9 years$113,439$103,631$94,601$86,302$78,687$50,726
10 years$101,058$91,345$82,475$74,393$67,046$40,799
11 years$90,935$81,319$72,610$64,744$57,661$33,071
12 years$82,505$72,988$64,439$56,789$49,968$26,971
13 years$75,377$65,960$57,572$50,137$43,573$22,103
14 years$69,273$59,956$51,729$44,506$38,196$18,184
15 years$63,987$54,771$46,704$39,691$33,631$15,007
16 years$59,367$50,251$42,344$35,539$29,723$12,417
17 years$55,295$46,279$38,532$31,932$26,354$10,296
18 years$51,679$42,764$35,174$28,777$23,433$8,551
19 years$48,447$39,633$32,200$26,002$20,887$7,112
20 years$45,542$36,829$29,552$23,550$18,656$5,922
21 years$42,918$34,305$27,182$21,373$16,695$4,936
22 years$40,535$32,022$25,053$19,433$14,965$4,118
23 years$38,362$29,950$23,132$17,698$13,433$3,437
24 years$36,374$28,061$21,393$16,142$12,074$2,871
25 years$34,547$26,334$19,814$14,742$10,865$2,399
26 years$32,864$24,750$18,376$13,479$9,787$2,005
27 years$31,308$23,292$17,064$12,338$8,824$1,676
28 years$29,866$21,948$15,863$11,304$7,962$1,402
29 years$28,525$20,706$14,762$10,366$7,189$1,173
30 years$27,277$19,554$13,750$9,513$6,496$981
31 years$26,111$18,485$12,819$8,737$5,873$821
32 years$25,020$17,491$11,960$8,030$5,312$687
33 years$23,997$16,564$11,168$7,384$4,808$575
34 years$23,037$15,699$10,434$6,794$4,353$482
35 years$22,134$14,890$9,755$6,254$3,943$403
36 years$21,282$14,133$9,126$5,760$3,572$338
37 years$20,479$13,423$8,542$5,307$3,238$283
38 years$19,720$12,757$7,999$4,892$2,935$237
39 years$19,001$12,130$7,494$4,510$2,662$198
40 years$18,320$11,541$7,024$4,160$2,414$166
41 years$17,674$10,986$6,586$3,838$2,190$139
42 years$17,060$10,463$6,178$3,542$1,987$116
43 years$16,477$9,969$5,798$3,270$1,804$97
44 years$15,921$9,502$5,442$3,019$1,637$82
45 years$15,392$9,061$5,110$2,788$1,486$68
46 years$14,887$8,644$4,799$2,576$1,350$57
47 years$14,405$8,249$4,509$2,380$1,225$48
48 years$13,945$7,875$4,237$2,199$1,113$40
49 years$13,504$7,520$3,983$2,032$1,011$34
50 years$13,083$7,184$3,744$1,878$918$28

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 $2,814 every year, while hoping to spend $28,022 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: 80/12/8 Blend
34$13,400,000$13,400,000$13,400,000$13,400,000
35$14,769,703$14,059,503$13,851,803$15,935,785
36$16,246,397$14,718,603$14,286,023$17,359,458
37$17,872,775$15,409,060$14,733,850$18,917,299
38$19,664,075$16,132,381$15,195,711$20,625,834
39$21,637,088$16,890,145$15,672,045$22,500,104
40$23,810,318$17,684,009$16,163,305$24,556,665
41$26,204,154$18,515,709$16,669,960$26,813,751
42$28,841,065$19,387,066$17,192,490$29,291,440
43$31,745,809$20,299,988$17,731,394$32,011,840
44$34,945,671$21,256,476$18,287,185$34,999,298
45$38,470,714$22,258,628$18,860,390$38,280,628
46$42,354,070$23,308,645$19,451,557$41,885,361
47$46,632,248$24,408,831$20,061,247$45,846,019
48$51,345,480$25,561,606$20,690,041$50,198,422
49$56,538,098$26,769,504$21,338,536$54,982,025
50$62,258,957$28,035,183$22,007,351$60,240,283
51$68,561,895$29,361,431$22,697,121$66,021,062
52$75,506,236$30,751,169$23,408,503$72,377,085
53$83,157,358$32,207,462$24,142,173$79,366,431
54$91,587,303$33,733,522$24,898,830$87,053,075
55$100,875,461$35,332,718$25,679,194$95,507,490
56$111,109,318$37,008,581$26,484,008$104,807,311
57$122,385,282$38,764,815$27,314,036$115,038,060
58$134,809,594$40,605,304$28,170,068$126,293,953
59$148,499,326$42,534,118$29,052,920$138,678,782
60$163,583,495$44,555,527$29,963,430$152,306,894
61$180,204,272$46,674,009$30,902,466$167,304,264
62$198,518,330$48,894,256$31,870,920$183,809,677
63$218,698,317$51,221,193$32,869,713$201,976,038
64$240,934,493$53,659,979$33,899,797$221,971,809
65$265,436,522$56,216,028$34,962,150$243,982,589
66$292,435,448$58,895,015$36,057,783$268,212,869
67$322,185,884$61,702,890$37,187,739$294,887,948
68$354,968,407$64,645,896$38,353,091$324,256,059
69$391,092,215$67,730,574$39,554,950$356,590,705
70$430,898,037$70,963,789$40,794,457$392,193,233
71$474,761,357$74,352,735$42,072,791$431,395,672
72$523,095,955$77,904,958$43,391,170$474,563,862
73$576,357,813$81,628,372$44,750,845$522,100,896
74$635,049,423$85,531,275$46,153,110$574,450,922
75$699,724,524$89,622,368$47,599,300$632,103,325
76$770,993,338$93,910,776$49,090,789$695,597,336
77$849,528,323$98,406,069$50,628,995$765,527,118
78$936,070,528$103,118,282$52,215,382$842,547,364
79$1,031,436,582$108,057,938$53,851,458$927,379,463
80$1,136,526,410$113,236,074$55,538,778$1,020,818,308
81$1,252,331,724$118,664,262$57,278,948$1,123,739,782
82$1,379,945,388$124,354,639$59,073,621$1,237,109,019
83$1,520,571,735$130,319,933$60,924,504$1,361,989,501
84$1,675,537,934$136,573,492$62,833,357$1,499,553,088
85$1,846,306,524$143,129,314$64,801,996$1,651,091,066
86$2,034,489,218$150,002,078$66,832,290$1,818,026,324
87$2,241,862,118$157,207,180$68,926,172$2,001,926,772
88$2,470,382,486$164,760,764$71,085,631$2,204,520,130
89$2,722,207,221$172,679,762$73,312,721$2,427,710,220
90$2,999,713,218$180,981,932$75,609,558$2,673,594,925
91$3,305,519,815$189,685,895$77,978,326$2,944,485,977
92$3,642,513,514$198,811,181$80,421,278$3,242,930,762
93$4,013,875,236$208,378,273$82,940,735$3,571,736,352
94$4,423,110,352$218,408,651$85,539,091$3,933,995,982
95$4,874,081,775$228,924,842$88,218,818$4,333,118,239
96$5,371,046,430$239,950,473$90,982,462$4,772,859,210
97$5,918,695,441$251,510,321$93,832,650$5,257,357,930
98$6,522,198,423$263,630,374$96,772,091$5,791,175,426
99$7,187,252,285$276,337,885$99,803,578$6,379,337,755
100$7,920,135,013$289,661,437$102,929,994$7,027,383,426