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%19.2%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,036,665
2 years$551,890$541,611$531,650$521,992$512,623$472,931
3 years$364,272$353,949$344,013$334,445$325,229$286,937
4 years$270,481$260,190$250,353$240,949$231,956$195,356
5 years$214,222$203,992$194,284$185,072$176,329$141,517
6 years$176,727$166,575$157,011$148,003$139,524$106,523
7 years$149,956$139,889$130,477$121,682$113,470$82,273
8 years$129,887$119,911$110,654$102,076$94,134$64,712
9 years$114,286$104,404$95,307$86,946$79,275$51,587
10 years$101,812$92,027$83,091$74,948$67,546$41,543
11 years$91,613$81,926$73,152$65,227$58,092$33,718
12 years$83,120$73,533$64,920$57,213$50,341$27,536
13 years$75,940$66,452$58,002$50,511$43,898$22,597
14 years$69,790$60,403$52,115$44,838$38,481$18,617
15 years$64,465$55,179$47,053$39,987$33,882$15,386
16 years$59,810$50,626$42,660$35,804$29,945$12,749
17 years$55,707$46,625$38,819$32,170$26,551$10,586
18 years$52,064$43,083$35,437$28,992$23,608$8,806
19 years$48,809$39,929$32,441$26,196$21,042$7,335
20 years$45,882$37,104$29,772$23,726$18,795$6,117
21 years$43,238$34,561$27,385$21,533$16,820$5,107
22 years$40,837$32,261$25,239$19,578$15,077$4,267
23 years$38,649$30,173$23,304$17,830$13,534$3,567
24 years$36,645$28,271$21,552$16,262$12,164$2,984
25 years$34,805$26,531$19,962$14,852$10,946$2,497
26 years$33,109$24,934$18,514$13,580$9,860$2,091
27 years$31,542$23,466$17,192$12,430$8,889$1,751
28 years$30,089$22,112$15,982$11,388$8,021$1,467
29 years$28,738$20,860$14,872$10,443$7,243$1,229
30 years$27,480$19,700$13,853$9,584$6,544$1,030
31 years$26,306$18,623$12,915$8,802$5,917$863
32 years$25,207$17,621$12,050$8,090$5,352$724
33 years$24,177$16,688$11,251$7,439$4,844$607
34 years$23,209$15,816$10,512$6,845$4,385$509
35 years$22,299$15,001$9,828$6,301$3,972$427
36 years$21,441$14,239$9,194$5,803$3,599$358
37 years$20,632$13,523$8,605$5,347$3,262$300
38 years$19,867$12,852$8,059$4,928$2,957$252
39 years$19,143$12,221$7,550$4,544$2,682$211
40 years$18,457$11,627$7,077$4,191$2,432$177
41 years$17,806$11,068$6,636$3,867$2,207$149
42 years$17,187$10,541$6,224$3,569$2,002$125
43 years$16,600$10,043$5,841$3,294$1,817$105
44 years$16,040$9,573$5,483$3,042$1,649$88
45 years$15,507$9,129$5,148$2,809$1,497$74
46 years$14,998$8,709$4,835$2,595$1,360$62
47 years$14,513$8,311$4,543$2,397$1,235$52
48 years$14,049$7,934$4,269$2,215$1,121$43
49 years$13,605$7,576$4,012$2,047$1,018$36
50 years$13,181$7,237$3,772$1,892$925$31

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 $2,646 every year, while hoping to spend $48,154 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: 50/37/13 Blend
34$13,500,000$13,500,000$13,500,000$13,500,000
35$14,879,729$14,164,229$13,954,979$15,571,014
36$16,346,226$14,807,041$14,371,236$16,688,440
37$17,960,692$15,479,737$14,799,823$17,896,805
38$19,738,168$16,183,730$15,241,103$19,208,846
39$21,695,230$16,920,501$15,695,448$20,634,320
40$23,850,141$17,691,603$16,163,243$22,183,944
41$26,223,026$18,498,662$16,644,882$23,869,492
42$28,836,060$19,343,382$17,140,771$25,703,899
43$31,713,680$20,227,549$17,651,329$27,701,378
44$34,882,811$21,153,036$18,176,985$29,877,551
45$38,373,126$22,121,802$18,718,181$32,249,586
46$42,217,319$23,135,905$19,275,375$34,836,359
47$46,451,420$24,197,498$19,849,034$37,658,620
48$51,115,128$25,308,839$20,439,640$40,739,186
49$56,252,193$26,472,294$21,047,690$44,103,147
50$61,910,824$27,690,343$21,673,694$47,778,098
51$68,144,143$28,965,585$22,318,178$51,794,389
52$75,010,691$30,300,744$22,981,682$56,185,406
53$82,574,975$31,698,675$23,664,763$60,987,876
54$90,908,083$33,162,370$24,367,993$66,242,206
55$100,088,347$34,694,966$25,091,960$71,992,854
56$110,202,088$36,299,749$25,837,271$78,288,740
57$121,344,431$37,980,166$26,604,548$85,183,699
58$133,620,196$39,739,828$27,394,434$92,736,976
59$147,144,897$41,582,520$28,207,589$101,013,776
60$162,045,823$43,512,210$29,044,690$110,085,868
61$178,463,247$45,533,058$29,906,436$120,032,249
62$196,551,743$47,649,423$30,793,547$130,939,881
63$216,481,651$49,865,875$31,706,761$142,904,492
64$238,440,681$52,187,205$32,646,840$156,031,474
65$262,635,687$54,618,434$33,614,565$170,436,856
66$289,294,615$57,164,826$34,610,741$186,248,389
67$318,668,662$59,831,898$35,636,197$203,606,736
68$351,034,641$62,625,436$36,691,785$222,666,780
69$386,697,595$65,551,504$37,778,380$243,599,072
70$425,993,679$68,616,457$38,896,886$266,591,421
71$469,293,332$71,826,961$40,048,229$291,850,652
72$517,004,770$75,190,000$41,233,363$319,604,531
73$569,577,846$78,712,899$42,453,270$350,103,901
74$627,508,291$82,403,336$43,708,959$383,625,027
75$691,342,397$86,269,360$45,001,469$420,472,180
76$761,682,172$90,319,409$46,331,869$460,980,485
77$839,191,023$94,562,330$47,701,257$505,519,061
78$924,600,022$99,007,399$49,110,763$554,494,481
79$1,018,714,801$103,664,338$50,561,551$608,354,579
80$1,122,423,164$108,543,343$52,054,815$667,592,653
81$1,236,703,462$113,655,103$53,591,787$732,752,088
82$1,362,633,834$119,010,822$55,173,731$804,431,460
83$1,501,402,382$124,622,250$56,801,949$883,290,146
84$1,654,318,390$130,501,704$58,477,778$970,054,525
85$1,822,824,678$136,662,100$60,202,597$1,065,524,788
86$2,008,511,231$143,116,979$61,977,819$1,170,582,463
87$2,213,130,204$149,880,538$63,804,903$1,286,198,694
88$2,438,612,462$156,967,662$65,685,345$1,413,443,367
89$2,687,085,814$164,393,959$67,620,685$1,553,495,170
90$2,960,895,098$172,175,793$69,612,508$1,707,652,674
91$3,262,624,314$180,330,323$71,662,443$1,877,346,541
92$3,595,121,024$188,875,539$73,772,165$2,064,152,988
93$3,961,523,233$197,830,305$75,943,398$2,269,808,608
94$4,365,289,013$207,214,400$78,177,912$2,496,226,715
95$4,810,229,151$217,048,564$80,477,530$2,745,515,347
96$5,300,543,123$227,354,543$82,844,127$3,019,997,108
97$5,840,858,745$238,155,138$85,279,628$3,322,231,035
98$6,436,275,857$249,474,260$87,786,016$3,655,036,687
99$7,092,414,474$261,336,979$90,365,327$4,021,520,697
100$7,815,467,843$273,769,583$93,019,657$4,425,106,029