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%19.9%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,041,455
2 years$555,978$545,623$535,588$525,858$516,421$473,604
3 years$366,970$356,571$346,561$336,922$327,638$286,381
4 years$272,485$262,117$252,208$242,734$233,674$194,291
5 years$215,808$205,503$195,723$186,443$177,636$140,226
6 years$178,036$167,809$158,174$149,100$140,557$105,145
7 years$151,067$140,926$131,443$122,583$114,310$80,883
8 years$130,849$120,799$111,474$102,832$94,832$63,355
9 years$115,133$105,177$96,013$87,590$79,862$50,289
10 years$102,567$92,709$83,706$75,503$68,046$40,318
11 years$92,292$82,533$73,693$65,711$58,522$32,575
12 years$83,736$74,077$65,401$57,637$50,714$26,478
13 years$76,502$66,944$58,431$50,885$44,224$21,625
14 years$70,307$60,850$52,501$45,170$38,766$17,728
15 years$64,942$55,588$47,401$40,284$34,133$14,579
16 years$60,253$51,001$42,976$36,070$30,167$12,019
17 years$56,120$46,970$39,107$32,408$26,748$9,929
18 years$52,450$43,402$35,699$29,206$23,783$8,215
19 years$49,170$40,225$32,681$26,390$21,198$6,807
20 years$46,222$37,379$29,993$23,902$18,935$5,647
21 years$43,558$34,817$27,588$21,692$16,944$4,688
22 years$41,140$32,500$25,426$19,723$15,188$3,895
23 years$38,935$30,397$23,477$17,962$13,634$3,239
24 years$36,917$28,480$21,712$16,383$12,254$2,694
25 years$35,063$26,727$20,110$14,962$11,027$2,242
26 years$33,354$25,119$18,651$13,680$9,933$1,867
27 years$31,775$23,640$17,319$12,522$8,955$1,555
28 years$30,311$22,276$16,100$11,473$8,080$1,295
29 years$28,951$21,015$14,983$10,521$7,296$1,079
30 years$27,684$19,846$13,956$9,655$6,593$899
31 years$26,500$18,761$13,010$8,868$5,961$749
32 years$25,393$17,752$12,139$8,150$5,392$625
33 years$24,356$16,811$11,334$7,494$4,880$521
34 years$23,381$15,933$10,590$6,895$4,418$434
35 years$22,464$15,113$9,901$6,348$4,001$362
36 years$21,600$14,344$9,262$5,846$3,625$302
37 years$20,785$13,624$8,669$5,386$3,286$252
38 years$20,014$12,947$8,118$4,965$2,979$210
39 years$19,284$12,311$7,606$4,578$2,701$175
40 years$18,593$11,713$7,129$4,222$2,450$146
41 years$17,938$11,150$6,685$3,896$2,223$122
42 years$17,315$10,619$6,271$3,595$2,017$101
43 years$16,723$10,118$5,884$3,319$1,831$85
44 years$16,159$9,644$5,523$3,064$1,662$71
45 years$15,622$9,197$5,186$2,830$1,509$59
46 years$15,109$8,773$4,871$2,614$1,370$49
47 years$14,620$8,372$4,576$2,415$1,244$41
48 years$14,153$7,993$4,300$2,232$1,129$34
49 years$13,706$7,632$4,042$2,062$1,026$28
50 years$13,278$7,291$3,800$1,906$932$24

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 $2,945 every year, while hoping to spend $23,339 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: 37/44/19 Blend
34$13,600,000$13,600,000$13,600,000$13,600,000
35$14,990,238$14,269,438$14,058,638$15,458,746
36$16,494,410$14,943,808$14,504,770$16,472,754
37$18,151,225$15,650,440$14,965,065$17,564,894
38$19,976,228$16,390,889$15,439,973$18,744,091
39$21,986,549$17,166,789$15,929,958$20,018,175
40$24,201,065$17,979,849$16,435,499$21,395,724
41$26,640,576$18,831,864$16,957,090$22,886,147
42$29,328,003$19,724,714$17,495,242$24,499,756
43$32,288,606$20,660,372$18,050,479$26,247,865
44$35,550,218$21,640,904$18,623,344$28,142,884
45$39,143,512$22,668,481$19,214,398$30,198,431
46$43,102,288$23,745,374$19,824,219$32,429,448
47$47,463,793$24,873,969$20,453,401$34,852,342
48$52,269,071$26,056,764$21,102,561$37,485,121
49$57,563,352$27,296,382$21,772,333$40,347,564
50$63,396,480$28,595,570$22,463,372$43,461,389
51$69,823,379$29,957,211$23,176,353$46,850,456
52$76,904,576$31,384,327$23,911,973$50,540,975
53$84,706,770$32,880,086$24,670,952$54,561,745
54$93,303,463$34,447,813$25,454,031$58,944,417
55$102,775,651$36,090,991$26,261,976$63,723,774
56$113,212,593$37,813,275$27,095,577$68,938,053
57$124,712,648$39,618,496$27,955,650$74,629,287
58$137,384,209$41,510,672$28,843,035$80,843,692
59$151,346,721$43,494,018$29,758,599$87,632,086
60$166,731,813$45,572,951$30,703,238$95,050,355
61$183,684,537$47,752,106$31,677,877$103,159,962
62$202,364,741$50,036,340$32,683,467$112,028,514
63$222,948,574$52,430,750$33,720,992$121,730,379
64$245,630,151$54,940,679$34,791,468$132,347,370
65$270,623,385$57,571,731$35,895,940$143,969,501
66$298,164,005$60,329,781$37,035,489$156,695,813
67$328,511,785$63,220,992$38,211,230$170,635,289
68$361,952,993$66,251,826$39,424,312$185,907,861
69$398,803,094$69,429,061$40,675,922$202,645,516
70$439,409,729$72,759,804$41,967,284$220,993,525
71$484,155,995$76,251,508$43,299,662$241,111,778
72$533,464,064$79,911,990$44,674,358$263,176,276
73$587,799,166$83,749,445$46,092,717$287,380,760
74$647,673,985$87,772,472$47,556,127$313,938,511
75$713,653,494$91,990,086$49,066,020$343,084,334
76$786,360,291$96,411,740$50,623,872$375,076,742
77$866,480,476$101,047,351$52,231,207$410,200,361
78$954,770,130$105,907,317$53,889,598$448,768,584
79$1,052,062,452$111,002,544$55,600,668$491,126,491
80$1,159,275,622$116,344,468$57,366,090$537,654,070
81$1,277,421,473$121,945,085$59,187,592$588,769,760
82$1,407,615,043$127,816,974$61,066,956$644,934,364
83$1,551,085,100$133,973,328$63,006,022$706,655,350
84$1,709,185,742$140,427,983$65,006,685$774,491,597
85$1,883,409,183$147,195,449$67,070,904$849,058,623
86$2,075,399,840$154,290,946$69,200,700$931,034,343
87$2,286,969,855$161,730,435$71,398,155$1,021,165,417
88$2,520,116,208$169,530,654$73,665,421$1,120,274,242
89$2,777,039,566$177,709,160$76,004,717$1,229,266,656
90$3,060,165,057$186,284,365$78,418,331$1,349,140,431
91$3,372,165,174$195,275,580$80,908,626$1,480,994,625
92$3,715,984,997$204,703,058$83,478,040$1,626,039,892
93$4,094,869,999$214,588,040$86,129,086$1,785,609,839
94$4,512,396,688$224,952,804$88,864,361$1,961,173,545
95$4,972,506,374$235,820,715$91,686,540$2,154,349,349
96$5,479,542,372$247,216,277$94,598,387$2,366,920,048
97$6,038,291,013$259,165,194$97,602,752$2,600,849,643
98$6,654,026,827$271,694,420$100,702,576$2,858,301,791
99$7,332,562,344$284,832,227$103,900,892$3,141,660,137
100$8,080,302,965$298,608,267$107,200,833$3,453,550,722