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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.3%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,061,737
2 years$551,890$541,611$531,650$521,992$512,623$497,767
3 years$364,272$353,949$344,013$334,445$325,229$310,750
4 years$270,481$260,190$250,353$240,949$231,956$217,966
5 years$214,222$203,992$194,284$185,072$176,329$162,869
6 years$176,727$166,575$157,011$148,003$139,524$126,608
7 years$149,956$139,889$130,477$121,682$113,470$101,105
8 years$129,887$119,911$110,654$102,076$94,134$82,318
9 years$114,286$104,404$95,307$86,946$79,275$68,002
10 years$101,812$92,027$83,091$74,948$67,546$56,808
11 years$91,613$81,926$73,152$65,227$58,092$47,878
12 years$83,120$73,533$64,920$57,213$50,341$40,640
13 years$75,940$66,452$58,002$50,511$43,898$34,697
14 years$69,790$60,403$52,115$44,838$38,481$29,766
15 years$64,465$55,179$47,053$39,987$33,882$25,637
16 years$59,810$50,626$42,660$35,804$29,945$22,156
17 years$55,707$46,625$38,819$32,170$26,551$19,201
18 years$52,064$43,083$35,437$28,992$23,608$16,681
19 years$48,809$39,929$32,441$26,196$21,042$14,521
20 years$45,882$37,104$29,772$23,726$18,795$12,664
21 years$43,238$34,561$27,385$21,533$16,820$11,061
22 years$40,837$32,261$25,239$19,578$15,077$9,674
23 years$38,649$30,173$23,304$17,830$13,534$8,470
24 years$36,645$28,271$21,552$16,262$12,164$7,423
25 years$34,805$26,531$19,962$14,852$10,946$6,512
26 years$33,109$24,934$18,514$13,580$9,860$5,716
27 years$31,542$23,466$17,192$12,430$8,889$5,022
28 years$30,089$22,112$15,982$11,388$8,021$4,414
29 years$28,738$20,860$14,872$10,443$7,243$3,881
30 years$27,480$19,700$13,853$9,584$6,544$3,415
31 years$26,306$18,623$12,915$8,802$5,917$3,005
32 years$25,207$17,621$12,050$8,090$5,352$2,646
33 years$24,177$16,688$11,251$7,439$4,844$2,330
34 years$23,209$15,816$10,512$6,845$4,385$2,053
35 years$22,299$15,001$9,828$6,301$3,972$1,809
36 years$21,441$14,239$9,194$5,803$3,599$1,594
37 years$20,632$13,523$8,605$5,347$3,262$1,405
38 years$19,867$12,852$8,059$4,928$2,957$1,239
39 years$19,143$12,221$7,550$4,544$2,682$1,092
40 years$18,457$11,627$7,077$4,191$2,432$963
41 years$17,806$11,068$6,636$3,867$2,207$849
42 years$17,187$10,541$6,224$3,569$2,002$749
43 years$16,600$10,043$5,841$3,294$1,817$661
44 years$16,040$9,573$5,483$3,042$1,649$583
45 years$15,507$9,129$5,148$2,809$1,497$514
46 years$14,998$8,709$4,835$2,595$1,360$454
47 years$14,513$8,311$4,543$2,397$1,235$400
48 years$14,049$7,934$4,269$2,215$1,121$353
49 years$13,605$7,576$4,012$2,047$1,018$312
50 years$13,181$7,237$3,772$1,892$925$275

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 $2,312 every year, while hoping to spend $39,851 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: 34/41/25 Blend
34$13,500,000$13,500,000$13,500,000$13,500,000
35$14,879,385$14,163,885$13,954,635$15,272,131
36$16,354,681$14,815,514$14,379,714$16,217,812
37$17,979,122$15,497,737$14,817,698$17,233,124
38$19,767,877$16,212,012$15,268,976$18,327,223
39$21,737,665$16,959,865$15,733,951$19,507,135
40$23,906,906$17,742,897$16,213,037$20,780,556
41$26,295,897$18,562,785$16,706,660$22,155,925
42$28,927,005$19,421,289$17,215,260$23,642,490
43$31,824,877$20,320,250$17,739,289$25,250,397
44$35,016,673$21,261,601$18,279,214$26,990,772
45$38,532,321$22,247,366$18,835,514$28,875,825
46$42,404,799$23,279,668$19,408,685$30,918,952
47$46,670,448$24,360,731$19,999,236$33,134,859
48$51,369,315$25,492,888$20,607,691$35,539,688
49$56,545,528$26,678,583$21,234,592$38,151,165
50$62,247,716$27,920,378$21,880,496$40,988,756
51$68,529,466$29,220,959$22,545,975$44,073,842
52$75,449,827$30,583,142$23,231,621$47,429,912
53$83,073,871$32,009,878$23,938,042$51,082,774
54$91,473,305$33,504,261$24,665,865$55,060,787
55$100,727,147$35,069,534$25,415,737$59,395,121
56$110,922,473$36,709,098$26,188,321$64,120,034
57$122,155,239$38,426,518$26,984,303$69,273,191
58$134,531,186$40,225,529$27,804,389$74,895,999
59$148,166,836$42,110,049$28,649,306$81,033,990
60$163,190,597$44,084,185$29,519,801$87,737,235
61$179,743,970$46,152,243$30,416,646$95,060,803
62$197,982,886$48,318,734$31,340,636$103,065,266
63$218,079,181$50,588,393$32,292,588$111,817,252
64$240,222,212$52,966,179$33,273,344$121,390,063
65$264,620,650$55,457,293$34,283,773$131,864,344
66$291,504,445$58,067,189$35,324,768$143,328,828
67$321,127,000$60,801,583$36,397,249$155,881,159
68$353,767,563$63,666,470$37,502,166$169,628,788
69$389,733,859$66,668,132$38,640,494$184,689,968
70$429,365,002$69,813,159$39,813,239$201,194,851
71$473,034,686$73,108,458$41,021,437$219,286,694
72$521,154,724$76,561,273$42,266,155$239,123,185
73$574,178,927$80,179,196$43,548,492$260,877,907
74$632,607,390$83,970,189$44,869,579$284,741,954
75$696,991,217$87,942,601$46,230,583$310,925,704
76$767,937,717$92,105,184$47,632,703$339,660,779
77$846,116,141$96,467,116$49,077,176$371,202,202
78$932,264,002$101,038,018$50,565,275$405,830,770
79$1,027,194,030$105,827,982$52,098,313$443,855,678
80$1,131,801,854$110,847,585$53,677,638$485,617,396
81$1,247,074,447$116,107,921$55,304,643$531,490,857
82$1,374,099,452$121,620,621$56,980,760$581,888,950
83$1,514,075,445$127,397,880$58,707,465$637,266,385
84$1,668,323,252$133,452,487$60,486,276$698,123,942
85$1,838,298,416$139,797,852$62,318,759$765,013,156
86$2,025,604,942$146,448,035$64,206,525$838,541,479
87$2,232,010,437$153,417,779$66,151,235$919,377,969
88$2,459,462,796$160,722,545$68,154,596$1,008,259,555
89$2,710,108,596$168,378,544$70,218,370$1,105,997,943
90$2,986,313,357$176,402,777$72,344,368$1,213,487,226
91$3,290,683,874$184,813,067$74,534,459$1,331,712,268
92$3,626,092,830$193,628,108$76,790,565$1,461,757,942
93$3,995,705,914$202,867,501$79,114,664$1,604,819,311
94$4,403,011,709$212,551,801$81,508,797$1,762,212,845
95$4,851,854,625$222,702,560$83,975,063$1,935,388,780
96$5,346,471,193$233,342,382$86,515,624$2,125,944,740
97$5,891,530,064$244,494,968$89,132,707$2,335,640,744
98$6,492,176,082$256,185,173$91,828,605$2,566,415,747
99$7,154,078,858$268,439,062$94,605,678$2,820,405,857
100$7,883,486,293$281,283,967$97,466,359$3,099,964,423