Can I retire at age 35 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,051,606
2 years$560,066$549,635$539,526$529,725$520,218$479,528
3 years$369,668$359,193$349,109$339,400$330,048$290,800
4 years$274,488$264,045$254,062$244,518$235,393$197,887
5 years$217,395$207,014$197,163$187,814$178,942$143,274
6 years$179,346$169,043$159,337$150,196$141,591$107,786
7 years$152,178$141,962$132,410$123,484$115,151$83,201
8 years$131,811$121,687$112,294$103,588$95,529$65,403
9 years$115,979$105,951$96,719$88,234$80,449$52,106
10 years$103,321$93,390$84,321$76,059$68,547$41,935
11 years$92,971$83,140$74,235$66,194$58,952$34,014
12 years$84,352$74,622$65,882$58,061$51,087$27,759
13 years$77,065$67,437$58,861$51,259$44,549$22,764
14 years$70,824$61,298$52,887$45,502$39,051$18,741
15 years$65,420$55,997$47,750$40,580$34,384$15,478
16 years$60,696$51,376$43,292$36,335$30,388$12,816
17 years$56,533$47,315$39,394$32,647$26,945$10,634
18 years$52,836$43,721$35,962$29,421$23,958$8,839
19 years$49,532$40,521$32,921$26,584$21,354$7,357
20 years$46,562$37,654$30,214$24,077$19,074$6,131
21 years$43,878$35,073$27,791$21,852$17,069$5,114
22 years$41,442$32,739$25,613$19,868$15,300$4,269
23 years$39,221$30,620$23,649$18,094$13,734$3,567
24 years$37,188$28,689$21,872$16,503$12,345$2,981
25 years$35,321$26,924$20,258$15,072$11,108$2,493
26 years$33,600$25,304$18,788$13,781$10,006$2,085
27 years$32,009$23,814$17,446$12,614$9,021$1,745
28 years$30,534$22,440$16,219$11,557$8,140$1,461
29 years$29,164$21,169$15,093$10,598$7,350$1,223
30 years$27,887$19,992$14,058$9,726$6,641$1,024
31 years$26,695$18,899$13,106$8,933$6,004$858
32 years$25,580$17,882$12,228$8,210$5,431$719
33 years$24,535$16,935$11,418$7,549$4,915$602
34 years$23,553$16,051$10,668$6,946$4,450$504
35 years$22,629$15,224$9,974$6,394$4,031$423
36 years$21,759$14,449$9,330$5,889$3,652$354
37 years$20,937$13,724$8,733$5,426$3,310$297
38 years$20,161$13,042$8,178$5,001$3,001$249
39 years$19,426$12,402$7,662$4,611$2,721$208
40 years$18,730$11,800$7,182$4,253$2,468$175
41 years$18,070$11,232$6,734$3,924$2,239$146
42 years$17,442$10,697$6,317$3,622$2,032$123
43 years$16,845$10,192$5,927$3,343$1,844$103
44 years$16,278$9,715$5,564$3,087$1,674$86
45 years$15,736$9,264$5,224$2,851$1,520$72
46 years$15,220$8,838$4,907$2,633$1,380$61
47 years$14,728$8,434$4,610$2,433$1,253$51
48 years$14,257$8,051$4,332$2,248$1,138$43
49 years$13,807$7,689$4,072$2,078$1,033$36
50 years$13,376$7,344$3,828$1,920$939$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,700,000, adding $5,775 every year, while hoping to spend $38,618 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: 33/47/20 Blend
34$13,700,000$13,700,000$13,700,000$13,700,000
35$15,103,357$14,377,257$14,164,907$15,508,414
36$16,602,810$15,040,653$14,598,342$16,473,353
37$18,253,913$15,735,262$15,045,003$17,508,663
38$20,072,094$16,462,571$15,505,292$18,623,674
39$22,074,351$17,224,141$15,979,623$19,825,424
40$24,279,419$18,021,608$16,468,424$21,121,619
41$26,707,938$18,856,685$16,972,135$22,520,702
42$29,382,655$19,731,169$17,491,209$24,031,925
43$32,328,634$20,646,945$18,026,112$25,665,428
44$35,573,494$21,605,985$18,577,327$27,432,327
45$39,147,671$22,610,359$19,145,348$29,344,814
46$43,084,704$23,662,237$19,730,687$31,416,261
47$47,421,549$24,763,891$20,333,871$33,661,337
48$52,198,931$25,917,707$20,955,440$36,096,139
49$57,461,729$27,126,181$21,595,954$38,738,335
50$63,259,395$28,391,933$22,255,988$41,607,320
51$69,646,425$29,717,710$22,936,135$44,724,388
52$76,682,871$31,106,388$23,637,006$48,112,922
53$84,434,908$32,560,986$24,359,230$51,798,607
54$92,975,460$34,084,666$25,103,456$55,809,655
55$102,384,887$35,680,744$25,870,352$60,177,062
56$112,751,742$37,352,697$26,660,605$64,934,889
57$124,173,610$39,104,169$27,474,925$70,120,566
58$136,758,025$40,938,981$28,314,042$75,775,235
59$150,623,491$42,861,137$29,178,709$81,944,120
60$165,900,592$44,874,838$30,069,701$88,676,941
61$182,733,233$46,984,486$30,987,817$96,028,366
62$201,279,993$49,194,696$31,933,879$104,058,510
63$221,715,623$51,510,308$32,908,735$112,833,484
64$244,232,698$53,936,394$33,913,259$122,426,001
65$269,043,430$56,478,274$34,948,350$132,916,043
66$296,381,675$59,141,524$36,014,935$144,391,597
67$326,505,139$61,931,992$37,113,968$156,949,458
68$359,697,811$64,855,807$38,246,434$170,696,129
69$396,272,643$67,919,398$39,413,346$185,748,797
70$436,574,507$71,129,503$40,615,747$202,236,416
71$480,983,446$74,493,187$41,854,714$220,300,898
72$529,918,264$78,017,860$43,131,353$240,098,427
73$583,840,481$81,711,289$44,446,807$261,800,907
74$643,258,686$85,581,618$45,802,251$285,597,549
75$708,733,342$89,637,388$47,198,897$311,696,631
76$780,882,075$93,887,551$48,637,991$340,327,433
77$860,385,503$98,341,498$50,120,820$371,742,364
78$947,993,664$103,009,072$51,648,708$406,219,308
79$1,044,533,097$107,900,595$53,223,019$444,064,218
80$1,150,914,640$113,026,891$54,845,157$485,613,955
81$1,268,142,034$118,399,310$56,516,571$531,239,435
82$1,397,321,397$124,029,751$58,238,751$581,349,085
83$1,539,671,664$129,930,694$60,013,234$636,392,652
84$1,696,536,098$136,115,222$61,841,602$696,865,407
85$1,869,394,970$142,597,057$63,725,485$763,312,765
86$2,059,879,530$149,390,586$65,666,562$836,335,389
87$2,269,787,412$156,510,896$67,666,562$916,594,803
88$2,501,099,605$163,973,806$69,727,268$1,004,819,580
89$2,755,999,148$171,795,906$71,850,515$1,101,812,165
90$3,036,891,746$179,994,591$74,038,193$1,208,456,382
91$3,346,428,482$188,588,103$76,292,250$1,325,725,723
92$3,687,530,838$197,595,572$78,614,692$1,454,692,458
93$4,063,418,285$207,037,055$81,007,585$1,596,537,699
94$4,477,638,669$216,933,590$83,473,058$1,752,562,466
95$4,934,101,711$227,307,234$86,013,303$1,924,199,898
96$5,437,115,916$238,181,119$88,630,580$2,113,028,698
97$5,991,429,249$249,579,504$91,327,214$2,320,787,952
98$6,602,273,959$261,527,825$94,105,601$2,549,393,457
99$7,275,415,975$274,052,761$96,968,211$2,800,955,714
100$8,017,209,344$287,182,286$99,917,586$3,077,799,755