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%13.8%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,075,244
2 years$560,066$549,635$539,526$529,725$520,218$502,921
3 years$369,668$359,193$349,109$339,400$330,048$313,204
4 years$274,488$264,045$254,062$244,518$235,393$219,133
5 years$217,395$207,014$197,163$187,814$178,942$163,313
6 years$179,346$169,043$159,337$150,196$141,591$126,611
7 years$152,178$141,962$132,410$123,484$115,151$100,825
8 years$131,811$121,687$112,294$103,588$95,529$81,854
9 years$115,979$105,951$96,719$88,234$80,449$67,418
10 years$103,321$93,390$84,321$76,059$68,547$56,149
11 years$92,971$83,140$74,235$66,194$58,952$47,175
12 years$84,352$74,622$65,882$58,061$51,087$39,915
13 years$77,065$67,437$58,861$51,259$44,549$33,967
14 years$70,824$61,298$52,887$45,502$39,051$29,042
15 years$65,420$55,997$47,750$40,580$34,384$24,928
16 years$60,696$51,376$43,292$36,335$30,388$21,468
17 years$56,533$47,315$39,394$32,647$26,945$18,540
18 years$52,836$43,721$35,962$29,421$23,958$16,048
19 years$49,532$40,521$32,921$26,584$21,354$13,920
20 years$46,562$37,654$30,214$24,077$19,074$12,094
21 years$43,878$35,073$27,791$21,852$17,069$10,523
22 years$41,442$32,739$25,613$19,868$15,300$9,168
23 years$39,221$30,620$23,649$18,094$13,734$7,997
24 years$37,188$28,689$21,872$16,503$12,345$6,981
25 years$35,321$26,924$20,258$15,072$11,108$6,100
26 years$33,600$25,304$18,788$13,781$10,006$5,334
27 years$32,009$23,814$17,446$12,614$9,021$4,667
28 years$30,534$22,440$16,219$11,557$8,140$4,085
29 years$29,164$21,169$15,093$10,598$7,350$3,578
30 years$27,887$19,992$14,058$9,726$6,641$3,135
31 years$26,695$18,899$13,106$8,933$6,004$2,748
32 years$25,580$17,882$12,228$8,210$5,431$2,409
33 years$24,535$16,935$11,418$7,549$4,915$2,113
34 years$23,553$16,051$10,668$6,946$4,450$1,853
35 years$22,629$15,224$9,974$6,394$4,031$1,626
36 years$21,759$14,449$9,330$5,889$3,652$1,427
37 years$20,937$13,724$8,733$5,426$3,310$1,252
38 years$20,161$13,042$8,178$5,001$3,001$1,099
39 years$19,426$12,402$7,662$4,611$2,721$965
40 years$18,730$11,800$7,182$4,253$2,468$848
41 years$18,070$11,232$6,734$3,924$2,239$744
42 years$17,442$10,697$6,317$3,622$2,032$654
43 years$16,845$10,192$5,927$3,343$1,844$574
44 years$16,278$9,715$5,564$3,087$1,674$504
45 years$15,736$9,264$5,224$2,851$1,520$443
46 years$15,220$8,838$4,907$2,633$1,380$389
47 years$14,728$8,434$4,610$2,433$1,253$342
48 years$14,257$8,051$4,332$2,248$1,138$300
49 years$13,807$7,689$4,072$2,078$1,033$264
50 years$13,376$7,344$3,828$1,920$939$232

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 $5,080 every year, while hoping to spend $44,319 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: 54/20/26 Blend
34$13,700,000$13,700,000$13,700,000$13,700,000
35$15,102,640$14,376,540$14,164,190$15,809,151
36$16,595,954$15,033,835$14,591,535$16,954,381
37$18,240,101$15,721,853$15,031,711$18,195,515
38$20,050,419$16,442,051$15,485,101$19,545,839
39$22,043,808$17,195,958$15,952,099$21,015,839
40$24,238,894$17,985,177$16,433,111$22,617,041
41$26,656,196$18,811,386$16,928,555$24,362,122
42$29,318,328$19,676,344$17,438,862$26,265,025
43$32,250,209$20,581,897$17,964,476$28,341,082
44$35,479,297$21,529,976$18,505,851$30,607,163
45$39,035,847$22,522,607$19,063,460$33,081,824
46$42,953,202$23,561,913$19,637,784$35,785,482
47$47,268,102$24,650,120$20,229,323$38,740,599
48$52,021,032$25,789,559$20,838,589$41,971,897
49$57,256,606$26,982,676$21,466,110$45,506,578
50$63,023,985$28,232,033$22,112,431$49,374,582
51$69,377,344$29,540,315$22,778,110$53,608,860
52$76,376,381$30,910,338$23,463,724$58,245,683
53$84,086,879$32,345,052$24,169,866$63,324,976
54$92,581,332$33,847,551$24,897,148$68,890,692
55$101,939,623$35,421,076$25,646,197$74,991,218
56$112,249,782$37,069,026$26,417,662$81,679,824
57$123,608,815$38,794,964$27,212,210$89,015,166
58$136,123,621$40,602,624$28,030,525$97,061,822
59$149,911,998$42,495,920$28,873,315$105,890,906
60$165,103,758$44,478,956$29,741,308$115,580,721
61$181,841,951$46,556,035$30,635,251$126,217,497
62$200,284,214$48,731,665$31,555,917$137,896,196
63$220,604,261$51,010,574$32,504,097$150,721,395
64$242,993,522$53,397,718$33,480,610$164,808,270
65$267,662,947$55,898,292$34,486,296$180,283,671
66$294,845,002$58,517,743$35,522,022$197,287,308
67$324,795,860$61,261,781$36,588,678$215,973,062
68$357,797,822$64,136,391$37,687,182$236,510,427
69$394,161,975$67,147,850$38,818,479$259,086,098
70$434,231,139$70,302,738$39,983,540$283,905,719
71$478,383,094$73,607,951$41,183,368$311,195,817
72$527,034,151$77,070,721$42,418,991$341,205,925
73$580,643,078$80,698,630$43,691,472$374,210,923
74$639,715,437$84,499,628$45,001,900$410,513,621
75$704,808,349$88,482,047$46,351,402$450,447,603
76$776,535,759$92,654,626$47,741,132$494,380,358
77$855,574,229$97,026,525$49,172,283$542,716,738
78$942,669,326$101,607,351$50,646,080$595,902,759
79$1,038,642,658$106,407,172$52,163,784$654,429,796
80$1,144,399,633$111,436,547$53,726,695$718,839,205
81$1,260,938,006$116,706,548$55,336,150$789,727,410
82$1,389,357,296$122,228,782$56,993,524$867,751,520
83$1,530,869,166$128,015,419$58,700,233$953,635,506
84$1,686,808,867$134,079,220$60,457,737$1,048,177,016
85$1,858,647,835$140,433,565$62,267,534$1,152,254,886
86$2,048,007,588$147,092,484$64,131,171$1,266,837,407
87$2,256,675,033$154,070,686$66,050,236$1,392,991,444
88$2,486,619,333$161,383,597$68,026,366$1,531,892,484
89$2,740,010,501$169,047,389$70,061,245$1,684,835,705
90$3,019,239,882$177,079,020$72,156,606$1,853,248,171
91$3,326,942,731$185,496,274$74,314,233$2,038,702,281
92$3,666,023,092$194,317,794$76,535,963$2,242,930,581
93$4,039,681,215$203,563,134$78,823,686$2,467,842,084
94$4,451,443,766$213,252,793$81,179,345$2,715,540,262
95$4,905,197,121$223,408,271$83,604,944$2,988,342,871
96$5,405,224,060$234,052,109$86,102,543$3,288,803,790
97$5,956,244,197$245,207,945$88,674,261$3,619,737,097
98$6,563,458,537$256,900,567$91,322,281$3,984,243,593
99$7,232,598,579$269,155,966$94,048,849$4,385,740,036
100$7,969,980,425$282,001,399$96,856,276$4,827,991,351