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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.5%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,072,155
2 years$560,066$549,635$539,526$529,725$520,218$499,839
3 years$369,668$359,193$349,109$339,400$330,048$310,228
4 years$274,488$264,045$254,062$244,518$235,393$216,285
5 years$217,395$207,014$197,163$187,814$178,942$160,600
6 years$179,346$169,043$159,337$150,196$141,591$124,035
7 years$152,178$141,962$132,410$123,484$115,151$98,387
8 years$131,811$121,687$112,294$103,588$95,529$79,552
9 years$115,979$105,951$96,719$88,234$80,449$65,249
10 years$103,321$93,390$84,321$76,059$68,547$54,110
11 years$92,971$83,140$74,235$66,194$58,952$45,263
12 years$84,352$74,622$65,882$58,061$51,087$38,125
13 years$77,065$67,437$58,861$51,259$44,549$32,294
14 years$70,824$61,298$52,887$45,502$39,051$27,482
15 years$65,420$55,997$47,750$40,580$34,384$23,476
16 years$60,696$51,376$43,292$36,335$30,388$20,118
17 years$56,533$47,315$39,394$32,647$26,945$17,287
18 years$52,836$43,721$35,962$29,421$23,958$14,888
19 years$49,532$40,521$32,921$26,584$21,354$12,847
20 years$46,562$37,654$30,214$24,077$19,074$11,104
21 years$43,878$35,073$27,791$21,852$17,069$9,611
22 years$41,442$32,739$25,613$19,868$15,300$8,329
23 years$39,221$30,620$23,649$18,094$13,734$7,225
24 years$37,188$28,689$21,872$16,503$12,345$6,273
25 years$35,321$26,924$20,258$15,072$11,108$5,451
26 years$33,600$25,304$18,788$13,781$10,006$4,739
27 years$32,009$23,814$17,446$12,614$9,021$4,123
28 years$30,534$22,440$16,219$11,557$8,140$3,589
29 years$29,164$21,169$15,093$10,598$7,350$3,125
30 years$27,887$19,992$14,058$9,726$6,641$2,723
31 years$26,695$18,899$13,106$8,933$6,004$2,373
32 years$25,580$17,882$12,228$8,210$5,431$2,068
33 years$24,535$16,935$11,418$7,549$4,915$1,803
34 years$23,553$16,051$10,668$6,946$4,450$1,573
35 years$22,629$15,224$9,974$6,394$4,031$1,372
36 years$21,759$14,449$9,330$5,889$3,652$1,197
37 years$20,937$13,724$8,733$5,426$3,310$1,044
38 years$20,161$13,042$8,178$5,001$3,001$911
39 years$19,426$12,402$7,662$4,611$2,721$795
40 years$18,730$11,800$7,182$4,253$2,468$694
41 years$18,070$11,232$6,734$3,924$2,239$606
42 years$17,442$10,697$6,317$3,622$2,032$529
43 years$16,845$10,192$5,927$3,343$1,844$462
44 years$16,278$9,715$5,564$3,087$1,674$403
45 years$15,736$9,264$5,224$2,851$1,520$352
46 years$15,220$8,838$4,907$2,633$1,380$307
47 years$14,728$8,434$4,610$2,433$1,253$268
48 years$14,257$8,051$4,332$2,248$1,138$234
49 years$13,807$7,689$4,072$2,078$1,033$205
50 years$13,376$7,344$3,828$1,920$939$179

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 $5,781 every year, while hoping to spend $34,297 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: 79/11/10 Blend
34$13,700,000$13,700,000$13,700,000$13,700,000
35$15,103,363$14,377,263$14,164,913$16,271,089
36$16,607,414$15,045,257$14,602,946$17,706,629
37$18,263,729$15,744,834$15,054,503$19,276,079
38$20,087,803$16,477,504$15,520,002$20,996,839
39$22,096,709$17,244,851$15,999,872$22,884,000
40$24,309,262$18,048,537$16,494,557$24,954,180
41$26,746,193$18,890,303$17,004,511$27,225,676
42$29,430,350$19,771,973$17,530,207$29,718,635
43$32,386,906$20,695,459$18,072,130$32,455,246
44$35,643,602$21,662,769$18,630,778$35,459,942
45$39,231,009$22,676,003$19,206,668$38,759,634
46$43,182,811$23,737,367$19,800,330$42,383,955
47$47,536,129$24,849,170$20,412,313$46,365,546
48$52,331,869$26,013,834$21,043,181$50,740,357
49$57,615,107$27,233,899$21,693,514$55,547,982
50$63,435,515$28,512,027$22,363,914$60,832,036
51$69,847,830$29,851,009$23,054,998$66,640,556
52$76,912,370$31,253,770$23,767,402$73,026,459
53$84,695,606$32,723,379$24,501,784$80,048,033
54$93,270,784$34,263,051$25,258,820$87,769,488
55$102,718,622$35,876,158$26,039,208$96,261,556
56$113,128,067$37,566,235$26,843,667$105,602,154
57$124,597,138$39,336,988$27,672,938$115,877,121
58$137,233,849$41,192,304$28,527,784$127,181,019
59$151,157,231$43,136,256$29,408,994$139,618,026
60$166,498,451$45,173,116$30,317,379$153,302,910
61$183,402,057$47,307,362$31,253,774$168,362,114
62$202,027,334$49,543,690$32,219,043$184,934,942
63$222,549,815$51,887,024$33,214,074$203,174,867
64$245,162,934$54,342,525$34,239,783$223,250,980
65$270,079,851$56,915,607$35,297,114$245,349,577
66$297,535,468$59,611,944$36,387,039$269,675,915
67$327,788,644$62,437,487$37,510,563$296,456,141
68$361,124,636$65,398,475$38,668,718$325,939,422
69$397,857,800$68,501,451$39,862,570$358,400,293
70$438,334,546$71,753,273$41,093,218$394,141,240
71$482,936,622$75,161,135$42,361,792$433,495,550
72$532,084,706$78,732,579$43,669,461$476,830,449
73$586,242,383$82,475,513$45,017,425$524,550,563
74$645,920,522$86,398,229$46,406,925$577,101,728
75$711,682,096$90,509,423$47,839,238$634,975,193
76$784,147,498$94,818,213$49,315,680$698,712,248
77$864,000,396$99,334,159$50,837,609$768,909,325
78$951,994,190$104,067,286$52,406,422$846,223,621
79$1,048,959,122$109,028,108$54,023,562$931,379,290
80$1,155,810,116$114,227,648$55,690,515$1,025,174,272
81$1,273,555,411$119,677,467$57,408,810$1,128,487,814
82$1,403,306,086$125,389,685$59,180,028$1,242,288,758
83$1,546,286,542$131,377,015$61,005,794$1,367,644,682
84$1,703,846,066$137,652,786$62,887,785$1,505,731,959
85$1,877,471,568$144,230,975$64,827,730$1,657,846,854
86$2,068,801,618$151,126,243$66,827,408$1,825,417,750
87$2,279,641,913$158,353,958$68,888,656$2,010,018,614
88$2,511,982,327$165,930,242$71,013,365$2,213,383,847
89$2,768,015,698$173,871,997$73,203,486$2,437,424,642
90$3,050,158,524$182,196,950$75,461,028$2,684,247,008
91$3,361,073,783$190,923,690$77,788,062$2,956,171,640
92$3,703,696,070$200,071,712$80,186,723$3,255,755,808
93$4,081,259,302$209,661,458$82,659,211$3,585,817,482
94$4,497,327,250$219,714,369$85,207,794$3,949,461,919
95$4,955,827,183$230,252,927$87,834,809$4,350,110,957
96$5,461,086,944$241,300,709$90,542,664$4,791,535,300
97$6,017,875,811$252,882,442$93,333,842$5,277,890,097
98$6,631,449,519$265,024,058$96,210,901$5,813,754,142
99$7,307,599,883$277,752,749$99,176,479$6,404,173,084
100$8,052,709,473$291,097,035$102,233,292$7,054,707,033