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%18.8%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,038,313
2 years$551,890$541,611$531,650$521,992$512,623$474,549
3 years$364,272$353,949$344,013$334,445$325,229$288,473
4 years$270,481$260,190$250,353$240,949$231,956$196,799
5 years$214,222$203,992$194,284$185,072$176,329$142,863
6 years$176,727$166,575$157,011$148,003$139,524$107,773
7 years$149,956$139,889$130,477$121,682$113,470$83,429
8 years$129,887$119,911$110,654$102,076$94,134$65,777
9 years$114,286$104,404$95,307$86,946$79,275$52,565
10 years$101,812$92,027$83,091$74,948$67,546$42,438
11 years$91,613$81,926$73,152$65,227$58,092$34,534
12 years$83,120$73,533$64,920$57,213$50,341$28,278
13 years$75,940$66,452$58,002$50,511$43,898$23,269
14 years$69,790$60,403$52,115$44,838$38,481$19,224
15 years$64,465$55,179$47,053$39,987$33,882$15,934
16 years$59,810$50,626$42,660$35,804$29,945$13,241
17 years$55,707$46,625$38,819$32,170$26,551$11,027
18 years$52,064$43,083$35,437$28,992$23,608$9,200
19 years$48,809$39,929$32,441$26,196$21,042$7,687
20 years$45,882$37,104$29,772$23,726$18,795$6,430
21 years$43,238$34,561$27,385$21,533$16,820$5,385
22 years$40,837$32,261$25,239$19,578$15,077$4,513
23 years$38,649$30,173$23,304$17,830$13,534$3,785
24 years$36,645$28,271$21,552$16,262$12,164$3,176
25 years$34,805$26,531$19,962$14,852$10,946$2,667
26 years$33,109$24,934$18,514$13,580$9,860$2,240
27 years$31,542$23,466$17,192$12,430$8,889$1,882
28 years$30,089$22,112$15,982$11,388$8,021$1,582
29 years$28,738$20,860$14,872$10,443$7,243$1,330
30 years$27,480$19,700$13,853$9,584$6,544$1,118
31 years$26,306$18,623$12,915$8,802$5,917$940
32 years$25,207$17,621$12,050$8,090$5,352$791
33 years$24,177$16,688$11,251$7,439$4,844$665
34 years$23,209$15,816$10,512$6,845$4,385$560
35 years$22,299$15,001$9,828$6,301$3,972$471
36 years$21,441$14,239$9,194$5,803$3,599$396
37 years$20,632$13,523$8,605$5,347$3,262$333
38 years$19,867$12,852$8,059$4,928$2,957$281
39 years$19,143$12,221$7,550$4,544$2,682$236
40 years$18,457$11,627$7,077$4,191$2,432$199
41 years$17,806$11,068$6,636$3,867$2,207$167
42 years$17,187$10,541$6,224$3,569$2,002$141
43 years$16,600$10,043$5,841$3,294$1,817$118
44 years$16,040$9,573$5,483$3,042$1,649$100
45 years$15,507$9,129$5,148$2,809$1,497$84
46 years$14,998$8,709$4,835$2,595$1,360$71
47 years$14,513$8,311$4,543$2,397$1,235$59
48 years$14,049$7,934$4,269$2,215$1,121$50
49 years$13,605$7,576$4,012$2,047$1,018$42
50 years$13,181$7,237$3,772$1,892$925$35

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 $4,769 every year, while hoping to spend $29,222 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: 24/50/26 Blend
34$13,500,000$13,500,000$13,500,000$13,500,000
35$14,881,919$14,166,419$13,957,169$15,116,404
36$16,368,783$14,829,482$14,393,642$15,976,788
37$18,006,327$15,524,055$14,843,758$16,895,197
38$19,809,891$16,251,652$15,307,942$17,878,617
39$21,796,376$17,013,859$15,786,635$18,932,470
40$23,984,408$17,812,340$16,280,288$20,062,675
41$26,394,511$18,648,837$16,789,371$21,275,702
42$29,049,300$19,525,179$17,314,364$22,578,618
43$31,973,697$20,443,282$17,855,764$23,979,156
44$35,195,167$21,405,155$18,414,084$25,485,769
45$38,743,971$22,412,905$18,989,853$27,107,709
46$42,653,459$23,468,740$19,583,616$28,855,100
47$46,960,378$24,574,975$20,195,934$30,739,028
48$51,705,226$25,734,038$20,827,387$32,771,631
49$56,932,628$26,948,475$21,478,573$34,966,208
50$62,691,758$28,220,952$22,150,108$37,337,330
51$69,036,809$29,554,270$22,842,627$39,900,968
52$76,027,494$30,951,360$23,556,786$42,674,630
53$83,729,621$32,415,299$24,293,261$45,677,516
54$92,215,705$33,949,312$25,052,749$48,930,683
55$101,565,659$35,556,780$25,835,967$52,457,233
56$111,867,542$37,241,248$26,643,658$56,282,515
57$123,218,396$39,006,434$27,476,585$60,434,350
58$135,725,159$40,856,236$28,335,537$64,943,277
59$149,505,674$42,794,740$29,221,327$69,842,825
60$164,689,803$44,826,232$30,134,791$75,169,813
61$181,420,651$46,955,206$31,076,795$80,964,679
62$199,855,919$49,186,373$32,048,229$87,271,843
63$220,169,391$51,524,673$33,050,013$94,140,104
64$242,552,574$53,975,287$34,083,093$101,623,085
65$267,216,508$56,543,648$35,148,448$109,779,714
66$294,393,755$59,235,450$36,247,085$118,674,756
67$324,340,599$62,056,668$37,380,043$128,379,407
68$357,339,459$65,013,563$38,548,394$138,971,932
69$393,701,561$68,112,705$39,753,242$150,538,387
70$433,769,871$71,360,978$40,995,726$163,173,399
71$477,922,338$74,765,606$42,277,023$176,981,030
72$526,575,456$78,334,161$43,598,343$192,075,733
73$580,188,201$82,074,584$44,960,937$208,583,399
74$639,266,361$85,995,201$46,366,091$226,642,512
75$704,367,311$90,104,747$47,815,136$246,405,424
76$776,105,274$94,412,377$49,309,441$268,039,756
77$855,157,123$98,927,695$50,850,418$291,729,945
78$942,268,768$103,660,771$52,439,526$317,678,942
79$1,038,262,198$108,622,164$54,078,265$346,110,088
80$1,144,043,241$113,822,949$55,768,186$377,269,183
81$1,260,610,117$119,274,738$57,510,885$411,426,756
82$1,389,062,860$124,989,712$59,308,011$448,880,575
83$1,530,613,704$130,980,639$61,161,261$489,958,406
84$1,686,598,526$137,260,915$63,072,388$535,021,058
85$1,858,489,460$143,844,585$65,043,198$584,465,734
86$2,047,908,794$150,746,378$67,075,553$638,729,722
87$2,256,644,281$157,981,741$69,171,375$698,294,466
88$2,486,666,025$165,566,873$71,332,643$763,690,048
89$2,740,145,074$173,518,764$73,561,401$835,500,127
90$3,019,473,917$181,855,230$75,859,754$914,367,378
91$3,327,289,076$190,594,955$78,229,875$1,000,999,494
92$3,666,495,988$199,757,534$80,674,002$1,096,175,783
93$4,040,296,443$209,363,518$83,194,446$1,200,754,455
94$4,452,218,808$219,434,458$85,793,587$1,315,680,636
95$4,906,151,335$229,992,955$88,473,881$1,441,995,207
96$5,406,378,876$241,062,715$91,237,861$1,580,844,537
97$5,957,623,330$252,668,596$94,088,137$1,733,491,216
98$6,565,088,223$264,836,670$97,027,403$1,901,325,870
99$7,234,507,835$277,594,281$100,058,435$2,085,880,191
100$7,972,201,337$290,970,103$103,184,095$2,288,841,282