Can I retire at age 35 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,041,632
2 years$551,890$541,611$531,650$521,992$512,623$477,813
3 years$364,272$353,949$344,013$334,445$325,229$291,578
4 years$270,481$260,190$250,353$240,949$231,956$199,721
5 years$214,222$203,992$194,284$185,072$176,329$145,597
6 years$176,727$166,575$157,011$148,003$139,524$110,319
7 years$149,956$139,889$130,477$121,682$113,470$85,791
8 years$129,887$119,911$110,654$102,076$94,134$67,961
9 years$114,286$104,404$95,307$86,946$79,275$54,576
10 years$101,812$92,027$83,091$74,948$67,546$44,285
11 years$91,613$81,926$73,152$65,227$58,092$36,224
12 years$83,120$73,533$64,920$57,213$50,341$29,820
13 years$75,940$66,452$58,002$50,511$43,898$24,672
14 years$69,790$60,403$52,115$44,838$38,481$20,497
15 years$64,465$55,179$47,053$39,987$33,882$17,086
16 years$59,810$50,626$42,660$35,804$29,945$14,281
17 years$55,707$46,625$38,819$32,170$26,551$11,963
18 years$52,064$43,083$35,437$28,992$23,608$10,041
19 years$48,809$39,929$32,441$26,196$21,042$8,440
20 years$45,882$37,104$29,772$23,726$18,795$7,104
21 years$43,238$34,561$27,385$21,533$16,820$5,986
22 years$40,837$32,261$25,239$19,578$15,077$5,048
23 years$38,649$30,173$23,304$17,830$13,534$4,260
24 years$36,645$28,271$21,552$16,262$12,164$3,598
25 years$34,805$26,531$19,962$14,852$10,946$3,040
26 years$33,109$24,934$18,514$13,580$9,860$2,570
27 years$31,542$23,466$17,192$12,430$8,889$2,174
28 years$30,089$22,112$15,982$11,388$8,021$1,839
29 years$28,738$20,860$14,872$10,443$7,243$1,556
30 years$27,480$19,700$13,853$9,584$6,544$1,317
31 years$26,306$18,623$12,915$8,802$5,917$1,115
32 years$25,207$17,621$12,050$8,090$5,352$944
33 years$24,177$16,688$11,251$7,439$4,844$799
34 years$23,209$15,816$10,512$6,845$4,385$677
35 years$22,299$15,001$9,828$6,301$3,972$573
36 years$21,441$14,239$9,194$5,803$3,599$486
37 years$20,632$13,523$8,605$5,347$3,262$411
38 years$19,867$12,852$8,059$4,928$2,957$349
39 years$19,143$12,221$7,550$4,544$2,682$295
40 years$18,457$11,627$7,077$4,191$2,432$250
41 years$17,806$11,068$6,636$3,867$2,207$212
42 years$17,187$10,541$6,224$3,569$2,002$180
43 years$16,600$10,043$5,841$3,294$1,817$152
44 years$16,040$9,573$5,483$3,042$1,649$129
45 years$15,507$9,129$5,148$2,809$1,497$109
46 years$14,998$8,709$4,835$2,595$1,360$93
47 years$14,513$8,311$4,543$2,397$1,235$78
48 years$14,049$7,934$4,269$2,215$1,121$66
49 years$13,605$7,576$4,012$2,047$1,018$56
50 years$13,181$7,237$3,772$1,892$925$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,500,000, adding $5,261 every year, while hoping to spend $31,774 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: 56/32/12 Blend
34$13,500,000$13,500,000$13,500,000$13,500,000
35$14,882,427$14,166,927$13,957,677$15,670,411
36$16,366,627$14,827,299$14,391,452$16,864,825
37$18,001,151$15,518,964$14,838,693$18,161,250
38$19,801,297$16,243,423$15,299,819$19,572,616
39$21,783,926$17,002,247$15,775,259$21,109,908
40$23,967,614$17,797,084$16,265,457$22,785,201
41$26,372,832$18,629,663$16,770,872$24,611,764
42$29,022,140$19,501,795$17,291,975$26,604,184
43$31,940,393$20,415,379$17,829,251$28,778,500
44$35,154,986$21,372,405$18,383,204$31,152,347
45$38,696,102$22,374,960$18,954,349$33,745,117
46$42,597,004$23,425,233$19,543,219$36,578,137
47$46,894,346$24,525,517$20,150,365$39,674,866
48$51,628,519$25,678,217$20,776,352$43,061,107
49$56,844,033$26,885,854$21,421,764$46,765,247
50$62,589,935$28,151,072$22,087,204$50,818,517
51$68,920,276$29,476,642$22,773,292$55,255,279
52$75,894,615$30,865,468$23,480,669$60,113,344
53$83,578,588$32,320,598$24,209,993$65,434,320
54$92,044,522$33,845,226$24,961,946$71,264,000
55$101,372,120$35,442,698$25,737,228$77,652,780
56$111,649,213$37,116,528$26,536,562$84,656,132
57$122,972,590$38,870,394$27,360,694$92,335,113
58$135,448,908$40,708,158$28,210,391$100,756,935
59$149,195,704$42,633,865$29,086,447$109,995,590
60$164,342,500$44,651,759$29,989,677$120,132,533
61$181,032,027$46,766,287$30,920,923$131,257,444
62$199,421,574$48,982,115$31,881,054$143,469,063
63$219,684,469$51,304,134$32,870,964$156,876,108
64$242,011,720$53,737,471$33,891,576$171,598,289
65$266,613,812$56,287,504$34,943,841$187,767,424
66$293,722,700$58,959,870$36,028,738$205,528,671
67$323,593,994$61,760,483$37,147,280$225,041,883
68$356,509,375$64,695,540$38,300,507$246,483,100
69$392,779,252$67,771,542$39,489,495$270,046,197
70$432,745,692$70,995,304$40,715,350$295,944,698
71$476,785,653$74,373,974$41,979,214$324,413,770
72$525,314,537$77,915,046$43,282,265$355,712,428
73$578,790,114$81,626,378$44,625,715$390,125,961
74$637,716,845$85,516,210$46,010,816$427,968,602
75$702,650,642$89,593,183$47,438,858$469,586,477
76$774,204,117$93,866,359$48,911,169$515,360,847
77$853,052,365$98,345,237$50,429,120$565,711,686
78$939,939,335$103,039,783$51,994,125$621,101,623
79$1,035,684,859$107,960,444$53,607,640$682,040,277
80$1,141,192,385$113,118,177$55,271,166$749,089,050
81$1,257,457,511$118,524,470$56,986,252$822,866,394
82$1,385,577,379$124,191,371$58,754,494$904,053,620
83$1,526,761,039$130,131,516$60,577,537$993,401,303
84$1,682,340,858$136,358,152$62,457,077$1,091,736,330
85$1,853,785,099$142,885,175$64,394,863$1,199,969,677
86$2,042,711,785$149,727,155$66,392,697$1,319,104,975
87$2,250,903,972$156,899,371$68,452,437$1,450,247,941
88$2,480,326,583$164,417,846$70,576,000$1,594,616,787
89$2,733,144,958$172,299,384$72,765,360$1,753,553,672
90$3,011,745,297$180,561,607$75,022,553$1,928,537,337
91$3,318,757,187$189,222,995$77,349,677$2,121,197,016
92$3,657,078,426$198,302,928$79,748,898$2,333,327,772
93$4,029,902,384$207,821,730$82,222,444$2,566,907,398
94$4,440,748,147$217,800,715$84,772,616$2,824,115,033
95$4,893,493,743$228,262,235$87,401,784$3,107,351,682
96$5,392,412,753$239,229,732$90,112,391$3,419,262,830
97$5,942,214,655$250,727,790$92,906,957$3,762,763,356
98$6,548,089,288$262,782,190$95,788,079$4,141,064,990
99$7,215,755,850$275,419,972$98,758,434$4,557,706,572
100$7,951,516,886$288,669,490$101,820,782$5,016,587,391