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%17.6%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,058,759
2 years$560,066$549,635$539,526$529,725$520,218$486,562
3 years$369,668$359,193$349,109$339,400$330,048$297,490
4 years$274,488$264,045$254,062$244,518$235,393$204,183
5 years$217,395$207,014$197,163$187,814$178,942$149,163
6 years$179,346$169,043$159,337$150,196$141,591$113,270
7 years$152,178$141,962$132,410$123,484$115,151$88,286
8 years$131,811$121,687$112,294$103,588$95,529$70,103
9 years$115,979$105,951$96,719$88,234$80,449$56,434
10 years$103,321$93,390$84,321$76,059$68,547$45,907
11 years$92,971$83,140$74,235$66,194$58,952$37,649
12 years$84,352$74,622$65,882$58,061$51,087$31,074
13 years$77,065$67,437$58,861$51,259$44,549$25,780
14 years$70,824$61,298$52,887$45,502$39,051$21,477
15 years$65,420$55,997$47,750$40,580$34,384$17,953
16 years$60,696$51,376$43,292$36,335$30,388$15,050
17 years$56,533$47,315$39,394$32,647$26,945$12,644
18 years$52,836$43,721$35,962$29,421$23,958$10,644
19 years$49,532$40,521$32,921$26,584$21,354$8,974
20 years$46,562$37,654$30,214$24,077$19,074$7,577
21 years$43,878$35,073$27,791$21,852$17,069$6,404
22 years$41,442$32,739$25,613$19,868$15,300$5,417
23 years$39,221$30,620$23,649$18,094$13,734$4,587
24 years$37,188$28,689$21,872$16,503$12,345$3,886
25 years$35,321$26,924$20,258$15,072$11,108$3,294
26 years$33,600$25,304$18,788$13,781$10,006$2,794
27 years$32,009$23,814$17,446$12,614$9,021$2,370
28 years$30,534$22,440$16,219$11,557$8,140$2,012
29 years$29,164$21,169$15,093$10,598$7,350$1,708
30 years$27,887$19,992$14,058$9,726$6,641$1,450
31 years$26,695$18,899$13,106$8,933$6,004$1,232
32 years$25,580$17,882$12,228$8,210$5,431$1,046
33 years$24,535$16,935$11,418$7,549$4,915$889
34 years$23,553$16,051$10,668$6,946$4,450$755
35 years$22,629$15,224$9,974$6,394$4,031$642
36 years$21,759$14,449$9,330$5,889$3,652$546
37 years$20,937$13,724$8,733$5,426$3,310$464
38 years$20,161$13,042$8,178$5,001$3,001$394
39 years$19,426$12,402$7,662$4,611$2,721$335
40 years$18,730$11,800$7,182$4,253$2,468$285
41 years$18,070$11,232$6,734$3,924$2,239$242
42 years$17,442$10,697$6,317$3,622$2,032$206
43 years$16,845$10,192$5,927$3,343$1,844$175
44 years$16,278$9,715$5,564$3,087$1,674$149
45 years$15,736$9,264$5,224$2,851$1,520$127
46 years$15,220$8,838$4,907$2,633$1,380$108
47 years$14,728$8,434$4,610$2,433$1,253$91
48 years$14,257$8,051$4,332$2,248$1,138$78
49 years$13,807$7,689$4,072$2,078$1,033$66
50 years$13,376$7,344$3,828$1,920$939$56

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 $2,641 every year, while hoping to spend $48,007 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: 43/50/7 Blend
34$13,700,000$13,700,000$13,700,000$13,700,000
35$15,100,124$14,374,024$14,161,674$15,718,854
36$16,589,258$15,027,272$14,585,011$16,801,554
37$18,228,674$15,710,921$15,020,921$17,968,631
38$20,033,651$16,426,408$15,469,774$19,231,800
39$22,021,024$17,175,242$15,931,952$20,599,858
40$24,209,343$17,959,004$16,407,847$22,082,451
41$26,619,048$18,779,348$16,897,862$23,690,163
42$29,272,665$19,638,010$17,402,415$25,434,609
43$32,195,013$20,536,808$17,921,932$27,328,534
44$35,413,441$21,477,649$18,456,853$29,385,930
45$38,958,087$22,462,528$19,007,633$31,622,157
46$42,862,160$23,493,540$19,574,736$34,054,084
47$47,162,254$24,572,877$20,158,643$36,700,236
48$51,898,694$25,702,838$20,759,848$39,580,965
49$57,115,917$26,885,833$21,378,859$42,718,627
50$62,862,889$28,124,387$22,016,199$46,137,787
51$69,193,568$29,421,147$22,672,406$49,865,441
52$76,167,414$30,778,885$23,348,034$53,931,261
53$83,849,949$32,200,510$24,043,653$58,367,861
54$92,313,377$33,689,068$24,759,848$63,211,096
55$101,637,263$35,247,754$25,497,225$68,500,388
56$111,909,285$36,879,915$26,256,403$74,279,084
57$123,226,061$38,589,060$27,038,021$80,594,856
58$135,694,063$40,378,867$27,842,738$87,500,132
59$149,430,617$42,253,191$28,671,230$95,052,581
60$164,565,016$44,216,073$29,524,192$103,315,639
61$181,239,737$46,271,750$30,402,342$112,359,094
62$199,611,786$48,424,662$31,306,415$122,259,727
63$219,854,180$50,679,462$32,237,172$133,102,021
64$242,157,580$53,041,030$33,195,392$144,978,938
65$266,732,094$55,514,480$34,181,878$157,992,781
66$293,809,252$58,105,175$35,197,456$172,256,134
67$323,644,201$60,818,734$36,242,976$187,892,911
68$356,518,107$63,661,049$37,319,312$205,039,499
69$392,740,810$66,638,297$38,427,366$223,846,025
70$432,653,752$69,756,952$39,568,061$244,477,746
71$476,633,194$73,023,803$40,742,351$267,116,589
72$525,093,776$76,445,965$41,951,216$291,962,837
73$578,492,424$80,030,899$43,195,664$319,236,995
74$637,332,664$83,786,427$44,476,732$349,181,842
75$702,169,380$87,720,746$45,795,487$382,064,694
76$773,614,048$91,842,454$47,153,027$418,179,893
77$852,340,509$96,160,562$48,550,481$457,851,553
78$939,091,330$100,684,519$49,989,012$501,436,589
79$1,034,684,817$105,424,231$51,469,814$549,328,045
80$1,140,022,733$110,390,083$52,994,118$601,958,767
81$1,256,098,818$115,592,964$54,563,188$659,805,451
82$1,384,008,168$121,044,290$56,178,325$723,393,103
83$1,524,957,571$126,756,030$57,840,869$793,299,945
84$1,680,276,901$132,740,733$59,552,195$870,162,833
85$1,851,431,672$139,011,556$61,313,721$954,683,222
86$2,040,036,876$145,582,296$63,126,904$1,047,633,732
87$2,247,872,224$152,467,415$64,993,243$1,149,865,392
88$2,476,898,954$159,682,081$66,914,279$1,262,315,620
89$2,729,278,338$167,242,194$68,891,598$1,386,017,014
90$3,007,392,093$175,164,426$70,926,831$1,522,107,037
91$3,313,864,864$183,466,260$73,021,657$1,671,838,693
92$3,651,588,998$192,166,025$75,177,801$1,836,592,291
93$4,023,751,857$201,282,941$77,397,039$2,017,888,403
94$4,433,865,902$210,837,161$79,681,195$2,217,402,146
95$4,885,801,857$220,849,815$82,032,148$2,436,978,922
96$5,383,825,251$231,343,061$84,451,830$2,678,651,756
97$5,932,636,687$242,340,131$86,942,226$2,944,660,405
98$6,537,416,219$253,865,387$89,505,381$3,237,472,417
99$7,203,872,257$265,944,375$92,143,394$3,559,806,329
100$7,938,295,457$278,603,880$94,858,429$3,914,657,239