Can I retire at age 35 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,074,702
2 years$564,154$553,647$543,464$533,591$524,015$498,239
3 years$372,367$361,815$351,657$341,877$332,457$307,440
4 years$276,492$265,972$255,917$246,303$237,111$213,046
5 years$218,982$208,525$198,602$189,185$180,248$157,202
6 years$180,655$170,277$160,500$151,292$142,624$120,621
7 years$153,289$142,998$133,376$124,386$115,992$95,034
8 years$132,774$122,576$113,113$104,344$96,226$76,306
9 years$116,826$106,724$97,425$88,878$81,036$62,139
10 years$104,075$94,072$84,937$76,614$69,047$51,150
11 years$93,649$83,747$74,777$66,677$59,383$42,463
12 years$84,967$75,167$66,363$58,485$51,460$35,489
13 years$77,627$67,929$59,291$51,633$44,874$29,822
14 years$71,341$61,745$53,273$45,834$39,336$25,172
15 years$65,897$56,405$48,098$40,876$34,635$21,324
16 years$61,139$51,751$43,608$36,600$30,610$18,120
17 years$56,945$47,661$39,682$32,885$27,141$15,436
18 years$53,221$44,041$36,224$29,636$24,133$13,178
19 years$49,893$40,816$33,162$26,779$21,510$11,270
20 years$46,902$37,929$30,434$24,253$19,213$9,653
21 years$44,199$35,329$27,994$22,011$17,194$8,279
22 years$41,745$32,978$25,800$20,013$15,412$7,108
23 years$39,507$30,844$23,822$18,226$13,834$6,109
24 years$37,460$28,899$22,031$16,624$12,435$5,254
25 years$35,579$27,120$20,405$15,182$11,189$4,522
26 years$33,845$25,489$18,925$13,881$10,079$3,894
27 years$32,243$23,988$17,574$12,706$9,087$3,355
28 years$30,757$22,603$16,337$11,641$8,199$2,892
29 years$29,377$21,324$15,203$10,675$7,404$2,494
30 years$28,091$20,138$14,161$9,797$6,690$2,151
31 years$26,890$19,037$13,202$8,998$6,048$1,856
32 years$25,767$18,013$12,318$8,269$5,471$1,602
33 years$24,714$17,059$11,501$7,604$4,951$1,383
34 years$23,725$16,168$10,746$6,997$4,483$1,194
35 years$22,794$15,335$10,047$6,441$4,060$1,031
36 years$21,918$14,555$9,398$5,932$3,679$890
37 years$21,090$13,824$8,797$5,465$3,334$769
38 years$20,308$13,138$8,238$5,038$3,023$664
39 years$19,568$12,493$7,718$4,645$2,741$574
40 years$18,867$11,886$7,234$4,284$2,486$496
41 years$18,201$11,314$6,783$3,953$2,256$428
42 years$17,569$10,775$6,363$3,648$2,047$370
43 years$16,968$10,266$5,971$3,367$1,858$320
44 years$16,396$9,786$5,604$3,109$1,686$276
45 years$15,851$9,332$5,262$2,872$1,531$239
46 years$15,331$8,902$4,943$2,652$1,390$206
47 years$14,835$8,496$4,643$2,451$1,262$178
48 years$14,361$8,110$4,364$2,264$1,146$154
49 years$13,908$7,745$4,101$2,093$1,041$133
50 years$13,474$7,398$3,856$1,934$945$115

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,800,000, adding $4,734 every year, while hoping to spend $57,399 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: 55/33/12 Blend
34$13,800,000$13,800,000$13,800,000$13,800,000
35$15,212,483$14,481,083$14,267,183$16,002,246
36$16,703,084$15,129,584$14,684,062$17,186,924
37$18,343,803$15,807,938$15,112,982$18,469,531
38$20,149,891$16,517,547$15,554,287$19,864,728
39$22,138,152$17,259,879$16,008,328$21,383,253
40$24,327,106$18,036,475$16,475,469$23,036,907
41$26,737,154$18,848,946$16,956,080$24,838,662
42$29,390,781$19,698,981$17,450,546$26,802,778
43$32,312,761$20,588,351$17,959,260$28,944,930
44$35,530,392$21,518,910$18,482,625$31,282,358
45$39,073,756$22,492,601$19,021,057$33,834,018
46$42,976,000$23,511,460$19,574,983$36,620,759
47$47,273,650$24,577,619$20,144,843$39,665,511
48$52,006,954$25,693,314$20,731,087$42,993,499
49$57,220,264$26,860,887$21,334,179$46,632,473
50$62,962,453$28,082,793$21,954,596$50,612,965
51$69,287,375$29,361,601$22,592,827$54,968,565
52$76,254,376$30,700,008$23,249,375$59,736,239
53$83,928,851$32,100,837$23,924,758$64,956,666
54$92,382,863$33,567,048$24,619,506$70,674,612
55$101,695,823$35,101,741$25,334,167$76,939,350
56$111,955,236$36,708,165$26,069,301$83,805,112
57$123,257,532$38,389,728$26,825,485$91,331,595
58$135,708,973$40,149,997$27,603,311$99,584,514
59$149,426,655$41,992,713$28,403,389$108,636,209
60$164,539,614$43,921,797$29,226,343$118,566,327
61$181,190,045$45,941,355$30,072,816$129,462,553
62$199,534,644$48,055,695$30,943,469$141,421,432
63$219,746,082$50,269,329$31,838,980$154,549,269
64$242,014,643$52,586,987$32,760,046$168,963,116
65$266,550,012$55,013,625$33,707,384$184,791,872
66$293,583,260$57,554,440$34,681,728$202,177,476
67$323,369,022$60,214,876$35,683,835$221,276,243
68$356,187,900$63,000,643$36,714,481$242,260,318
69$392,349,113$65,917,722$37,774,464$265,319,290
70$432,193,417$68,972,384$38,864,602$290,661,962
71$476,096,317$72,171,203$39,985,738$318,518,310
72$524,471,617$75,521,068$41,138,736$349,141,631
73$577,775,323$79,029,200$42,324,484$382,810,922
74$636,509,945$82,703,171$43,543,894$419,833,489
75$701,229,248$86,550,914$44,797,903$460,547,831
76$772,543,471$90,580,749$46,087,473$505,326,813
77$851,125,093$94,801,394$47,413,591$554,581,168
78$937,715,180$99,221,989$48,777,274$608,763,344
79$1,033,130,378$103,852,117$50,179,562$668,371,759
80$1,138,270,627$108,701,821$51,621,527$733,955,475
81$1,254,127,651$113,781,630$53,104,268$806,119,359
82$1,381,794,323$119,102,582$54,628,914$885,529,762
83$1,522,474,985$124,676,249$56,196,623$972,920,786
84$1,677,496,810$130,514,761$57,808,586$1,069,101,178
85$1,848,322,336$136,630,836$59,466,025$1,174,961,937
86$2,036,563,272$143,037,806$61,170,196$1,291,484,691
87$2,243,995,714$149,749,646$62,922,385$1,419,750,931
88$2,472,576,910$156,781,011$64,723,918$1,560,952,181
89$2,724,463,736$164,147,263$66,576,151$1,716,401,212
90$3,002,033,065$171,864,506$68,480,479$1,887,544,394
91$3,307,904,196$179,949,626$70,438,334$2,075,975,309
92$3,644,963,592$188,420,325$72,451,186$2,283,449,753
93$4,016,392,120$197,295,163$74,520,543$2,511,902,262
94$4,425,695,090$206,593,599$76,647,954$2,763,464,332
95$4,876,735,337$216,336,034$78,835,009$3,040,484,490
96$5,373,769,700$226,543,857$81,083,340$3,345,550,413
97$5,921,489,199$237,239,496$83,394,621$3,681,513,299
98$6,525,063,329$248,446,464$85,770,573$4,051,514,734
99$7,190,188,861$260,189,413$88,212,960$4,459,016,284
100$7,923,143,623$272,494,192$90,723,592$4,907,832,115