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%12.9%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,063,498
2 years$551,890$541,611$531,650$521,992$512,623$499,529
3 years$364,272$353,949$344,013$334,445$325,229$312,459
4 years$270,481$260,190$250,353$240,949$231,956$219,608
5 years$214,222$203,992$194,284$185,072$176,329$164,439
6 years$176,727$166,575$157,011$148,003$139,524$128,106
7 years$149,956$139,889$130,477$121,682$113,470$102,529
8 years$129,887$119,911$110,654$102,076$94,134$83,669
9 years$114,286$104,404$95,307$86,946$79,275$69,281
10 years$101,812$92,027$83,091$74,948$67,546$58,018
11 years$91,613$81,926$73,152$65,227$58,092$49,020
12 years$83,120$73,533$64,920$57,213$50,341$41,716
13 years$75,940$66,452$58,002$50,511$43,898$35,709
14 years$69,790$60,403$52,115$44,838$38,481$30,715
15 years$64,465$55,179$47,053$39,987$33,882$26,527
16 years$59,810$50,626$42,660$35,804$29,945$22,988
17 years$55,707$46,625$38,819$32,170$26,551$19,979
18 years$52,064$43,083$35,437$28,992$23,608$17,407
19 years$48,809$39,929$32,441$26,196$21,042$15,197
20 years$45,882$37,104$29,772$23,726$18,795$13,293
21 years$43,238$34,561$27,385$21,533$16,820$11,645
22 years$40,837$32,261$25,239$19,578$15,077$10,215
23 years$38,649$30,173$23,304$17,830$13,534$8,972
24 years$36,645$28,271$21,552$16,262$12,164$7,888
25 years$34,805$26,531$19,962$14,852$10,946$6,941
26 years$33,109$24,934$18,514$13,580$9,860$6,112
27 years$31,542$23,466$17,192$12,430$8,889$5,387
28 years$30,089$22,112$15,982$11,388$8,021$4,750
29 years$28,738$20,860$14,872$10,443$7,243$4,191
30 years$27,480$19,700$13,853$9,584$6,544$3,699
31 years$26,306$18,623$12,915$8,802$5,917$3,266
32 years$25,207$17,621$12,050$8,090$5,352$2,885
33 years$24,177$16,688$11,251$7,439$4,844$2,549
34 years$23,209$15,816$10,512$6,845$4,385$2,253
35 years$22,299$15,001$9,828$6,301$3,972$1,992
36 years$21,441$14,239$9,194$5,803$3,599$1,762
37 years$20,632$13,523$8,605$5,347$3,262$1,558
38 years$19,867$12,852$8,059$4,928$2,957$1,378
39 years$19,143$12,221$7,550$4,544$2,682$1,219
40 years$18,457$11,627$7,077$4,191$2,432$1,079
41 years$17,806$11,068$6,636$3,867$2,207$955
42 years$17,187$10,541$6,224$3,569$2,002$845
43 years$16,600$10,043$5,841$3,294$1,817$748
44 years$16,040$9,573$5,483$3,042$1,649$662
45 years$15,507$9,129$5,148$2,809$1,497$586
46 years$14,998$8,709$4,835$2,595$1,360$519
47 years$14,513$8,311$4,543$2,397$1,235$459
48 years$14,049$7,934$4,269$2,215$1,121$407
49 years$13,605$7,576$4,012$2,047$1,018$360
50 years$13,181$7,237$3,772$1,892$925$319

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 $3,201 every year, while hoping to spend $26,954 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: 74/5/21 Blend
34$13,500,000$13,500,000$13,500,000$13,500,000
35$14,880,302$14,164,802$13,955,552$15,906,095
36$16,369,414$14,830,198$14,394,384$17,253,295
37$18,009,512$15,527,296$14,847,014$18,725,638
38$19,815,968$16,257,619$15,313,874$20,338,477
39$21,805,721$17,022,767$15,795,414$22,105,806
40$23,997,438$17,824,416$16,292,094$24,043,035
41$26,411,687$18,664,323$16,804,389$26,167,133
42$29,071,135$19,544,331$17,332,792$28,496,787
43$32,000,758$20,466,370$17,877,808$31,052,577
44$35,228,081$21,432,467$18,439,960$33,857,168
45$38,783,432$22,444,746$19,019,786$36,935,521
46$42,700,236$23,505,431$19,617,842$40,315,129
47$47,015,321$24,616,859$20,234,700$44,026,274
48$51,769,274$25,781,475$20,870,953$48,102,309
49$57,006,820$27,001,847$21,527,210$52,579,973
50$62,777,243$28,280,666$22,204,099$57,499,736
51$69,134,855$29,620,751$22,902,270$62,906,174
52$76,139,505$31,025,063$23,622,391$68,848,396
53$83,857,146$32,496,702$24,365,152$75,380,496
54$92,360,455$34,038,921$25,131,265$82,562,068
55$101,729,523$35,655,129$25,921,464$90,458,760
56$112,052,607$37,348,904$26,736,506$99,142,899
57$123,426,967$39,123,993$27,577,172$108,694,161
58$135,959,778$40,984,330$28,444,268$119,200,330
59$149,769,149$42,934,035$29,338,624$130,758,116
60$164,985,231$44,977,433$30,261,098$143,474,070
61$181,751,453$47,119,055$31,212,573$157,465,581
62$200,225,868$49,363,655$32,193,960$172,861,988
63$220,582,649$51,716,217$33,206,201$189,805,792
64$243,013,736$54,181,968$34,250,265$208,453,998
65$267,730,640$56,766,388$35,327,152$228,979,597
66$294,966,448$59,475,223$36,437,894$251,573,191
67$324,978,017$62,314,501$37,583,556$276,444,789
68$358,048,404$65,290,541$38,765,234$303,825,788
69$394,489,534$68,409,969$39,984,061$333,971,149
70$434,645,144$71,679,736$41,241,205$367,161,804
71$478,894,034$75,107,128$42,537,871$403,707,297
72$527,653,635$78,699,787$43,875,299$443,948,708
73$581,383,957$82,465,728$45,254,773$488,261,863
74$640,591,926$86,413,353$46,677,613$537,060,878
75$705,836,171$90,551,477$48,145,182$590,802,063
76$777,732,302$94,889,341$49,658,887$649,988,225
77$856,958,715$99,436,636$51,220,178$715,173,406
78$944,262,999$104,203,527$52,830,549$786,968,108
79$1,040,468,998$109,200,673$54,491,545$866,045,053
80$1,146,484,580$114,439,250$56,204,757$953,145,521
81$1,263,310,216$119,930,982$57,971,824$1,049,086,348
82$1,392,048,418$125,688,161$59,794,441$1,154,767,623
83$1,533,914,156$131,723,679$61,674,354$1,271,181,184
84$1,690,246,317$138,051,057$63,613,362$1,399,419,969
85$1,862,520,356$144,684,474$65,613,325$1,540,688,327
86$2,052,362,218$151,638,798$67,676,157$1,696,313,380
87$2,261,563,691$158,929,626$69,803,834$1,867,757,543
88$2,492,099,320$166,573,310$71,998,395$2,056,632,319
89$2,746,145,052$174,587,003$74,261,942$2,264,713,505
90$3,026,098,773$182,988,693$76,596,644$2,493,957,943
91$3,334,602,953$191,797,243$79,004,736$2,746,521,990
92$3,674,569,585$201,032,439$81,488,526$3,024,781,857
93$4,049,207,683$210,715,029$84,050,392$3,331,356,036
94$4,462,053,575$220,866,774$86,692,788$3,669,130,005
95$4,917,004,290$231,510,496$89,418,247$4,041,283,461
96$5,418,354,347$242,670,130$92,229,377$4,451,320,320
97$5,970,836,301$254,370,777$95,128,873$4,903,101,789
98$6,579,665,425$266,638,765$98,119,510$5,400,882,800
99$7,250,588,938$279,501,706$101,204,154$5,949,352,169
100$7,989,940,276$292,988,555$104,385,760$6,553,676,845