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%19%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,060,544
2 years$564,154$553,647$543,464$533,591$524,015$484,266
3 years$372,367$361,815$351,657$341,877$332,457$294,097
4 years$276,492$265,972$255,917$246,303$237,111$200,433
5 years$218,982$208,525$198,602$189,185$180,248$145,348
6 years$180,655$170,277$160,500$151,292$142,624$109,527
7 years$153,289$142,998$133,376$124,386$115,992$84,690
8 years$132,774$122,576$113,113$104,344$96,226$66,692
9 years$116,826$106,724$97,425$88,878$81,036$53,231
10 years$104,075$94,072$84,937$76,614$69,047$42,922
11 years$93,649$83,747$74,777$66,677$59,383$34,882
12 years$84,967$75,167$66,363$58,485$51,460$28,524
13 years$77,627$67,929$59,291$51,633$44,874$23,440
14 years$71,341$61,745$53,273$45,834$39,336$19,339
15 years$65,897$56,405$48,098$40,876$34,635$16,006
16 years$61,139$51,751$43,608$36,600$30,610$13,282
17 years$56,945$47,661$39,682$32,885$27,141$11,045
18 years$53,221$44,041$36,224$29,636$24,133$9,201
19 years$49,893$40,816$33,162$26,779$21,510$7,676
20 years$46,902$37,929$30,434$24,253$19,213$6,411
21 years$44,199$35,329$27,994$22,011$17,194$5,360
22 years$41,745$32,978$25,800$20,013$15,412$4,485
23 years$39,507$30,844$23,822$18,226$13,834$3,756
24 years$37,460$28,899$22,031$16,624$12,435$3,147
25 years$35,579$27,120$20,405$15,182$11,189$2,638
26 years$33,845$25,489$18,925$13,881$10,079$2,212
27 years$32,243$23,988$17,574$12,706$9,087$1,856
28 years$30,757$22,603$16,337$11,641$8,199$1,557
29 years$29,377$21,324$15,203$10,675$7,404$1,307
30 years$28,091$20,138$14,161$9,797$6,690$1,097
31 years$26,890$19,037$13,202$8,998$6,048$921
32 years$25,767$18,013$12,318$8,269$5,471$773
33 years$24,714$17,059$11,501$7,604$4,951$650
34 years$23,725$16,168$10,746$6,997$4,483$546
35 years$22,794$15,335$10,047$6,441$4,060$458
36 years$21,918$14,555$9,398$5,932$3,679$385
37 years$21,090$13,824$8,797$5,465$3,334$323
38 years$20,308$13,138$8,238$5,038$3,023$272
39 years$19,568$12,493$7,718$4,645$2,741$228
40 years$18,867$11,886$7,234$4,284$2,486$192
41 years$18,201$11,314$6,783$3,953$2,256$161
42 years$17,569$10,775$6,363$3,648$2,047$135
43 years$16,968$10,266$5,971$3,367$1,858$114
44 years$16,396$9,786$5,604$3,109$1,686$96
45 years$15,851$9,332$5,262$2,872$1,531$80
46 years$15,331$8,902$4,943$2,652$1,390$67
47 years$14,835$8,496$4,643$2,451$1,262$57
48 years$14,361$8,110$4,364$2,264$1,146$48
49 years$13,908$7,745$4,101$2,093$1,041$40
50 years$13,474$7,398$3,856$1,934$945$34

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 $5,293 every year, while hoping to spend $45,350 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: 56/18/26 Blend
34$13,800,000$13,800,000$13,800,000$13,800,000
35$15,213,060$14,481,660$14,267,760$15,956,193
36$16,716,540$15,143,009$14,697,478$17,128,375
37$18,371,855$15,835,244$15,140,071$18,399,654
38$20,194,444$16,559,832$15,595,924$19,783,836
39$22,201,321$17,318,306$16,065,430$21,291,817
40$24,411,230$18,112,278$16,548,997$22,935,577
41$26,844,830$18,943,434$17,047,042$24,728,298
42$29,524,882$19,813,542$17,559,998$26,684,474
43$32,476,468$20,724,454$18,088,306$28,820,053
44$35,727,228$21,678,112$18,632,424$31,152,583
45$39,307,617$22,676,551$19,192,822$33,701,368
46$43,251,197$23,721,905$19,769,985$36,487,653
47$47,594,949$24,816,408$20,364,409$39,534,816
48$52,379,626$25,962,405$20,976,609$42,868,587
49$57,650,134$27,162,349$21,607,113$46,517,284
50$63,455,960$28,418,817$22,256,463$50,512,078
51$69,851,634$29,734,505$22,925,220$54,887,281
52$76,897,246$31,112,241$23,613,961$59,680,666
53$84,659,015$32,554,990$24,323,278$64,933,815
54$93,209,908$34,065,858$25,053,781$70,692,510
55$102,630,336$35,648,103$25,806,101$77,007,158
56$113,008,908$37,305,138$26,580,883$83,933,260
57$124,443,268$39,040,541$27,378,794$91,531,929
58$137,041,018$40,858,063$28,200,520$99,870,460
59$150,920,731$42,761,638$29,046,766$109,022,961
60$166,213,072$44,755,385$29,918,260$119,071,041
61$183,062,033$46,843,627$30,815,749$130,104,577
62$201,626,288$49,030,892$31,740,004$142,222,552
63$222,080,693$51,321,928$32,691,817$155,533,984
64$244,617,935$53,721,714$33,672,005$170,158,942
65$269,450,354$56,235,468$34,681,406$186,229,678
66$296,811,943$58,868,659$35,720,887$203,891,859
67$326,960,560$61,627,022$36,791,336$223,305,936
68$360,180,361$64,516,570$37,893,669$244,648,649
69$396,784,482$67,543,606$39,028,831$268,114,684
70$437,117,992$70,714,736$40,197,790$293,918,500
71$481,561,158$74,036,889$41,401,547$322,296,342
72$530,533,027$77,517,327$42,641,129$353,508,462
73$584,495,384$81,163,664$43,917,595$387,841,559
74$643,957,113$84,983,883$45,232,034$425,611,475
75$709,478,999$88,986,354$46,585,568$467,166,165
76$781,679,023$93,179,851$47,979,350$512,888,963
77$861,238,193$97,573,575$49,414,569$563,202,192
78$948,906,979$102,177,170$50,892,447$618,571,128
79$1,045,512,389$107,000,749$52,414,242$679,508,386
80$1,151,965,783$112,054,916$53,981,249$746,578,734
81$1,269,271,474$117,350,788$55,594,802$820,404,410
82$1,398,536,208$122,900,021$57,256,272$901,670,981
83$1,540,979,616$128,714,836$58,967,072$991,133,792
84$1,697,945,721$134,808,048$60,728,653$1,089,625,077
85$1,870,915,634$141,193,091$62,542,513$1,198,061,798
86$2,061,521,531$147,884,055$64,410,189$1,317,454,279
87$2,271,562,063$154,895,710$66,333,266$1,448,915,718
88$2,503,019,338$162,243,543$68,313,375$1,593,672,676
89$2,758,077,629$169,943,796$70,352,192$1,753,076,630
90$3,039,144,002$178,013,497$72,451,445$1,928,616,708
91$3,348,871,032$186,470,500$74,612,910$2,121,933,717
92$3,690,181,850$195,333,527$76,838,415$2,334,835,607
93$4,066,297,741$204,622,212$79,129,844$2,569,314,508
94$4,480,768,548$214,357,138$81,489,131$2,827,565,511
95$4,937,506,193$224,559,891$83,918,271$3,112,007,350
96$5,440,821,605$235,253,106$86,419,313$3,425,305,212
97$5,995,465,417$246,460,516$88,994,368$3,770,395,857
98$6,606,672,818$258,207,010$91,645,608$4,150,515,308
99$7,280,212,977$270,518,685$94,375,267$4,569,229,364
100$8,022,443,506$283,422,907$97,185,645$5,030,467,221