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%14.1%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,081,756
2 years$564,154$553,647$543,464$533,591$524,015$505,257
3 years$372,367$361,815$351,657$341,877$332,457$314,201
4 years$276,492$265,972$255,917$246,303$237,111$219,498
5 years$218,982$208,525$198,602$189,185$180,248$163,328
6 years$180,655$170,277$160,500$151,292$142,624$126,416
7 years$153,289$142,998$133,376$124,386$115,992$100,501
8 years$132,774$122,576$113,113$104,344$96,226$81,449
9 years$116,826$106,724$97,425$88,878$81,036$66,965
10 years$104,075$94,072$84,937$76,614$69,047$55,670
11 years$93,649$83,747$74,777$66,677$59,383$46,685
12 years$84,967$75,167$66,363$58,485$51,460$39,424
13 years$77,627$67,929$59,291$51,633$44,874$33,483
14 years$71,341$61,745$53,273$45,834$39,336$28,570
15 years$65,897$56,405$48,098$40,876$34,635$24,473
16 years$61,139$51,751$43,608$36,600$30,610$21,032
17 years$56,945$47,661$39,682$32,885$27,141$18,124
18 years$53,221$44,041$36,224$29,636$24,133$15,654
19 years$49,893$40,816$33,162$26,779$21,510$13,548
20 years$46,902$37,929$30,434$24,253$19,213$11,745
21 years$44,199$35,329$27,994$22,011$17,194$10,197
22 years$41,745$32,978$25,800$20,013$15,412$8,863
23 years$39,507$30,844$23,822$18,226$13,834$7,713
24 years$37,460$28,899$22,031$16,624$12,435$6,718
25 years$35,579$27,120$20,405$15,182$11,189$5,856
26 years$33,845$25,489$18,925$13,881$10,079$5,108
27 years$32,243$23,988$17,574$12,706$9,087$4,458
28 years$30,757$22,603$16,337$11,641$8,199$3,893
29 years$29,377$21,324$15,203$10,675$7,404$3,401
30 years$28,091$20,138$14,161$9,797$6,690$2,973
31 years$26,890$19,037$13,202$8,998$6,048$2,599
32 years$25,767$18,013$12,318$8,269$5,471$2,273
33 years$24,714$17,059$11,501$7,604$4,951$1,989
34 years$23,725$16,168$10,746$6,997$4,483$1,740
35 years$22,794$15,335$10,047$6,441$4,060$1,523
36 years$21,918$14,555$9,398$5,932$3,679$1,333
37 years$21,090$13,824$8,797$5,465$3,334$1,167
38 years$20,308$13,138$8,238$5,038$3,023$1,022
39 years$19,568$12,493$7,718$4,645$2,741$895
40 years$18,867$11,886$7,234$4,284$2,486$784
41 years$18,201$11,314$6,783$3,953$2,256$686
42 years$17,569$10,775$6,363$3,648$2,047$601
43 years$16,968$10,266$5,971$3,367$1,858$527
44 years$16,396$9,786$5,604$3,109$1,686$461
45 years$15,851$9,332$5,262$2,872$1,531$404
46 years$15,331$8,902$4,943$2,652$1,390$354
47 years$14,835$8,496$4,643$2,451$1,262$310
48 years$14,361$8,110$4,364$2,264$1,146$272
49 years$13,908$7,745$4,101$2,093$1,041$238
50 years$13,474$7,398$3,856$1,934$945$209

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 $5,216 every year, while hoping to spend $21,766 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: 66/20/14 Blend
34$13,800,000$13,800,000$13,800,000$13,800,000
35$15,212,980$14,481,580$14,267,680$16,166,891
36$16,741,545$15,168,019$14,722,489$17,490,803
37$18,425,295$15,887,363$15,191,804$18,934,311
38$20,280,034$16,641,203$15,676,088$20,511,588
39$22,323,180$17,431,205$16,175,820$22,235,721
40$24,573,927$18,259,117$16,691,493$24,121,108
41$27,053,424$19,126,770$17,223,614$26,183,590
42$29,784,978$20,036,086$17,772,710$28,440,597
43$32,794,272$20,989,080$18,339,321$30,911,309
44$36,109,607$21,987,865$18,924,008$33,616,836
45$39,762,171$23,034,655$19,527,347$36,580,410
46$43,786,333$24,131,773$20,149,933$39,827,599
47$48,219,964$25,281,655$20,792,382$43,386,550
48$53,104,800$26,486,856$21,455,326$47,288,246
49$58,486,831$27,750,053$22,139,420$51,566,791
50$64,416,737$29,074,054$22,845,340$56,259,734
51$70,950,367$30,461,806$23,573,782$61,408,415
52$78,149,266$31,916,396$24,325,465$67,058,347
53$86,081,254$33,441,063$25,101,131$73,259,645
54$94,821,069$35,039,202$25,901,546$80,067,490
55$104,451,070$36,714,375$26,727,500$87,542,646
56$115,062,017$38,470,317$27,579,809$95,752,024
57$126,753,923$40,310,943$28,459,313$104,769,311
58$139,637,005$42,240,361$29,366,882$114,675,656
59$153,832,718$44,262,877$30,303,410$125,560,431
60$169,474,904$46,383,007$31,269,824$137,522,061
61$186,711,058$48,605,488$32,267,077$150,668,956
62$205,703,716$50,935,287$33,296,154$165,120,514
63$226,631,991$53,377,612$34,358,071$181,008,249
64$249,693,265$55,937,926$35,453,877$198,477,019
65$275,105,050$58,621,957$36,584,654$217,686,382
66$303,107,044$61,435,711$37,751,519$238,812,099
67$333,963,392$64,385,490$38,955,624$262,047,775
68$367,965,179$67,477,901$40,198,159$287,606,681
69$405,433,181$70,719,871$41,480,350$315,723,754
70$446,720,888$74,118,668$42,803,465$346,657,805
71$492,217,848$77,681,911$44,168,810$380,693,945
72$542,353,337$81,417,594$45,577,734$418,146,269
73$597,600,419$85,334,097$47,031,630$459,360,805
74$658,480,404$89,440,211$48,531,932$504,718,766
75$725,567,778$93,745,153$50,080,124$554,640,133
76$799,495,618$98,258,593$51,677,735$609,587,608
77$880,961,575$102,990,669$53,326,344$670,070,961
78$970,734,459$107,952,014$55,027,579$736,651,830
79$1,069,661,493$113,153,782$56,783,122$809,949,000
80$1,178,676,316$118,607,668$58,594,708$890,644,231
81$1,298,807,796$124,325,940$60,464,126$979,488,672
82$1,431,189,741$130,321,461$62,393,224$1,077,309,931
83$1,577,071,607$136,607,724$64,383,909$1,185,019,869
84$1,737,830,289$143,198,881$66,438,148$1,303,623,182
85$1,914,983,124$150,109,771$68,557,972$1,434,226,869
86$2,110,202,213$157,355,961$70,745,475$1,578,050,650
87$2,325,330,211$164,953,775$73,002,820$1,736,438,463
88$2,562,397,716$172,920,334$75,332,238$1,910,871,119
89$2,823,642,447$181,273,594$77,736,032$2,102,980,255
90$3,111,530,366$190,032,390$80,216,579$2,314,563,711
91$3,428,778,960$199,216,473$82,776,330$2,547,602,467
92$3,778,382,893$208,846,559$85,417,816$2,804,279,317
93$4,163,642,284$218,944,377$88,143,650$3,086,999,440
94$4,588,193,860$229,532,714$90,956,525$3,398,413,070
95$5,056,045,289$240,635,472$93,859,223$3,741,440,482
96$5,571,613,016$252,277,719$96,854,616$4,119,299,520
97$6,139,763,962$264,485,745$99,945,663$4,535,535,937
98$6,765,861,467$277,287,126$103,135,423$4,994,056,826
99$7,455,815,926$290,710,786$106,427,050$5,499,167,461
100$8,216,140,593$304,787,057$109,823,798$6,055,611,896