Can I retire at age 35 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,055,270
2 years$555,978$545,623$535,588$525,858$516,421$487,198
3 years$366,970$356,571$346,561$336,922$327,638$299,320
4 years$272,485$262,117$252,208$242,734$233,674$206,479
5 years$215,808$205,503$195,723$186,443$177,636$151,637
6 years$178,036$167,809$158,174$149,100$140,557$115,780
7 years$151,067$140,926$131,443$122,583$114,310$90,757
8 years$130,849$120,799$111,474$102,832$94,832$72,490
9 years$115,133$105,177$96,013$87,590$79,862$58,711
10 years$102,567$92,709$83,706$75,503$68,046$48,059
11 years$92,292$82,533$73,693$65,711$58,522$39,668
12 years$83,736$74,077$65,401$57,637$50,714$32,958
13 years$76,502$66,944$58,431$50,885$44,224$27,528
14 years$70,307$60,850$52,501$45,170$38,766$23,093
15 years$64,942$55,588$47,401$40,284$34,133$19,440
16 years$60,253$51,001$42,976$36,070$30,167$16,413
17 years$56,120$46,970$39,107$32,408$26,748$13,891
18 years$52,450$43,402$35,699$29,206$23,783$11,781
19 years$49,170$40,225$32,681$26,390$21,198$10,008
20 years$46,222$37,379$29,993$23,902$18,935$8,514
21 years$43,558$34,817$27,588$21,692$16,944$7,251
22 years$41,140$32,500$25,426$19,723$15,188$6,183
23 years$38,935$30,397$23,477$17,962$13,634$5,276
24 years$36,917$28,480$21,712$16,383$12,254$4,505
25 years$35,063$26,727$20,110$14,962$11,027$3,850
26 years$33,354$25,119$18,651$13,680$9,933$3,292
27 years$31,775$23,640$17,319$12,522$8,955$2,815
28 years$30,311$22,276$16,100$11,473$8,080$2,409
29 years$28,951$21,015$14,983$10,521$7,296$2,062
30 years$27,684$19,846$13,956$9,655$6,593$1,766
31 years$26,500$18,761$13,010$8,868$5,961$1,512
32 years$25,393$17,752$12,139$8,150$5,392$1,295
33 years$24,356$16,811$11,334$7,494$4,880$1,110
34 years$23,381$15,933$10,590$6,895$4,418$951
35 years$22,464$15,113$9,901$6,348$4,001$815
36 years$21,600$14,344$9,262$5,846$3,625$698
37 years$20,785$13,624$8,669$5,386$3,286$599
38 years$20,014$12,947$8,118$4,965$2,979$513
39 years$19,284$12,311$7,606$4,578$2,701$440
40 years$18,593$11,713$7,129$4,222$2,450$377
41 years$17,938$11,150$6,685$3,896$2,223$323
42 years$17,315$10,619$6,271$3,595$2,017$277
43 years$16,723$10,118$5,884$3,319$1,831$238
44 years$16,159$9,644$5,523$3,064$1,662$204
45 years$15,622$9,197$5,186$2,830$1,509$175
46 years$15,109$8,773$4,871$2,614$1,370$150
47 years$14,620$8,372$4,576$2,415$1,244$129
48 years$14,153$7,993$4,300$2,232$1,129$110
49 years$13,706$7,632$4,042$2,062$1,026$95
50 years$13,278$7,291$3,800$1,906$932$81

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,600,000, adding $4,203 every year, while hoping to spend $43,055 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: 60/34/6 Blend
34$13,600,000$13,600,000$13,600,000$13,600,000
35$14,991,535$14,270,735$14,059,935$15,873,714
36$16,474,862$14,924,191$14,485,133$17,117,923
37$18,108,045$15,608,223$14,923,132$18,469,026
38$19,906,323$16,324,285$15,374,315$19,941,535
39$21,886,491$17,073,898$15,839,078$21,547,121
40$24,067,053$17,858,658$16,317,826$23,298,615
41$26,468,398$18,680,238$16,810,979$25,210,119
42$29,112,995$19,540,390$17,318,967$27,297,144
43$32,025,603$20,440,951$17,842,235$29,576,741
44$35,233,504$21,383,847$18,381,239$32,067,665
45$38,766,761$22,371,096$18,936,451$34,790,544
46$42,658,503$23,404,812$19,508,354$37,768,065
47$46,945,235$24,487,213$20,097,449$41,025,188
48$51,667,184$25,620,621$20,704,248$44,589,372
49$56,868,678$26,807,473$21,329,282$48,490,828
50$62,598,565$28,050,321$21,973,095$52,762,799
51$68,910,673$29,351,841$22,636,248$57,441,864
52$75,864,318$30,714,837$23,319,318$62,568,282
53$83,524,865$32,142,251$24,022,902$68,186,355
54$91,964,342$33,637,162$24,747,610$74,344,847
55$101,262,125$35,202,803$25,494,075$81,097,432
56$111,505,680$36,842,558$26,262,944$88,503,191
57$122,791,394$38,559,979$27,054,888$96,627,163
58$135,225,483$40,358,785$27,870,594$105,540,948
59$148,924,995$42,242,878$28,710,771$115,323,373
60$164,018,912$44,216,346$29,576,150$126,061,226
61$180,649,371$46,283,477$30,467,480$137,850,062
62$198,973,003$48,448,764$31,385,538$150,795,098
63$219,162,414$50,716,918$32,331,118$165,012,190
64$241,407,811$53,092,877$33,305,041$180,628,915
65$265,918,799$55,581,820$34,308,151$197,785,765
66$292,926,362$58,189,174$35,341,319$216,637,454
67$322,685,036$60,920,629$36,405,439$237,354,369
68$355,475,322$63,782,152$37,501,433$260,124,160
69$391,606,323$66,779,996$38,630,250$285,153,498
70$431,418,671$69,920,719$39,792,866$312,670,007
71$475,287,736$73,211,195$40,990,288$342,924,397
72$523,627,174$76,658,631$42,223,551$376,192,812
73$576,892,826$80,270,585$43,493,721$412,779,416
74$635,587,030$84,054,979$44,801,895$453,019,248
75$700,263,352$88,020,118$46,149,204$497,281,360
76$771,531,823$92,174,713$47,536,811$545,972,283
77$850,064,688$96,527,893$48,965,914$599,539,836
78$936,602,759$101,089,233$50,437,745$658,477,335
79$1,031,962,405$105,868,770$51,953,574$723,328,223
80$1,137,043,259$110,877,028$53,514,707$794,691,172
81$1,252,836,711$116,125,042$55,122,489$873,225,709
82$1,380,435,270$121,624,383$56,778,307$959,658,414
83$1,521,042,871$127,387,182$58,483,584$1,054,789,744
84$1,675,986,249$133,426,159$60,239,789$1,159,501,564
85$1,846,727,457$139,754,652$62,048,433$1,274,765,436
86$2,034,877,673$146,386,645$63,911,070$1,401,651,754
87$2,242,212,407$153,336,802$65,829,303$1,541,339,816
88$2,470,688,266$160,620,498$67,804,778$1,695,128,917
89$2,722,461,424$168,253,858$69,839,193$1,864,450,575
90$2,999,907,977$176,253,784$71,934,293$2,050,882,004
91$3,305,646,376$184,638,005$74,091,878$2,256,160,957
92$3,642,562,147$193,425,108$76,313,797$2,482,202,088
93$4,013,835,132$202,634,585$78,601,955$2,731,114,981
94$4,422,969,508$212,286,872$80,958,313$3,005,224,008
95$4,873,826,872$222,403,402$83,384,890$3,307,090,227
96$5,370,662,692$233,006,648$85,883,763$3,639,535,498
97$5,918,166,488$244,120,175$88,457,070$4,005,669,071
98$6,521,506,102$255,768,696$91,107,014$4,408,916,872
99$7,186,376,485$267,978,123$93,835,860$4,853,053,788
100$7,919,053,466$280,775,630$96,645,941$5,342,239,233