Can I retire at age 35 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,068,653
2 years$568,242$557,659$547,403$537,458$527,812$488,192
3 years$375,065$364,436$354,206$344,355$334,866$296,624
4 years$278,495$267,899$257,771$248,088$238,829$202,257
5 years$220,569$210,036$200,041$190,555$181,554$146,748
6 years$181,964$171,510$161,663$152,389$143,658$110,643
7 years$154,399$144,034$134,343$125,287$116,832$85,601
8 years$133,736$123,464$113,933$105,100$96,923$67,450
9 years$117,672$107,498$98,131$89,522$81,624$53,869
10 years$104,829$94,754$85,552$77,169$69,547$43,464
11 years$94,328$84,354$75,319$67,160$59,813$35,346
12 years$85,583$75,711$66,844$58,908$51,833$28,923
13 years$78,190$68,421$59,720$52,007$45,199$23,784
14 years$71,858$62,193$53,659$46,166$39,621$19,636
15 years$66,375$56,814$48,447$41,172$34,886$16,263
16 years$61,582$52,126$43,924$36,865$30,832$13,505
17 years$57,358$48,006$39,969$33,123$27,338$11,239
18 years$53,607$44,360$36,487$29,851$24,308$9,370
19 years$50,255$41,112$33,402$26,973$21,666$7,823
20 years$47,242$38,203$30,655$24,429$19,352$6,539
21 years$44,519$35,585$28,196$22,171$17,318$5,471
22 years$42,047$33,217$25,987$20,158$15,523$4,582
23 years$39,794$31,067$23,995$18,359$13,935$3,840
24 years$37,731$29,108$22,191$16,744$12,525$3,220
25 years$35,836$27,317$20,553$15,292$11,270$2,701
26 years$34,090$25,673$19,062$13,982$10,152$2,267
27 years$32,476$24,161$17,701$12,798$9,153$1,903
28 years$30,980$22,767$16,455$11,726$8,259$1,598
29 years$29,590$21,478$15,313$10,753$7,457$1,342
30 years$28,294$20,284$14,264$9,868$6,738$1,128
31 years$27,085$19,175$13,297$9,063$6,092$948
32 years$25,954$18,144$12,407$8,329$5,511$797
33 years$24,893$17,182$11,584$7,660$4,987$669
34 years$23,897$16,285$10,824$7,047$4,515$563
35 years$22,960$15,446$10,119$6,488$4,090$473
36 years$22,076$14,660$9,466$5,975$3,705$398
37 years$21,243$13,924$8,860$5,505$3,358$334
38 years$20,455$13,233$8,297$5,074$3,045$281
39 years$19,710$12,583$7,774$4,679$2,761$236
40 years$19,003$11,972$7,286$4,315$2,504$199
41 years$18,333$11,396$6,832$3,981$2,272$167
42 years$17,697$10,853$6,409$3,674$2,062$141
43 years$17,091$10,341$6,014$3,392$1,871$118
44 years$16,515$9,857$5,645$3,132$1,698$99
45 years$15,966$9,400$5,301$2,892$1,542$84
46 years$15,442$8,967$4,978$2,672$1,400$70
47 years$14,943$8,557$4,677$2,468$1,271$59
48 years$14,465$8,169$4,395$2,281$1,154$50
49 years$14,008$7,801$4,131$2,108$1,048$42
50 years$13,571$7,452$3,884$1,948$952$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,900,000, adding $3,253 every year, while hoping to spend $54,744 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: 62/28/10 Blend
34$13,900,000$13,900,000$13,900,000$13,900,000
35$15,321,155$14,584,455$14,369,005$16,236,540
36$16,825,666$15,240,847$14,792,120$17,505,953
37$18,481,802$15,927,566$15,227,574$18,884,346
38$20,304,971$16,646,042$15,675,723$20,387,507
39$22,312,152$17,397,772$16,136,933$22,027,514
40$24,522,051$18,184,322$16,611,580$23,817,647
41$26,955,282$19,007,336$17,100,050$25,772,515
42$29,634,561$19,868,535$17,602,742$27,908,182
43$32,584,916$20,769,724$18,120,064$30,242,322
44$35,833,928$21,712,790$18,652,436$32,794,378
45$39,411,987$22,699,716$19,200,291$35,585,740
46$43,352,583$23,732,575$19,764,074$38,639,946
47$47,692,617$24,813,542$20,344,242$41,982,895
48$52,472,755$25,944,896$20,941,264$45,643,087
49$57,737,804$27,129,025$21,555,625$49,651,889
50$63,537,143$28,368,429$22,187,821$54,043,825
51$69,925,181$29,665,732$22,838,363$58,856,893
52$76,961,878$31,023,682$23,507,777$64,132,922
53$84,713,305$32,445,157$24,196,602$69,917,954
54$93,252,268$33,933,176$24,905,394$76,262,680
55$102,658,999$35,490,901$25,634,725$83,222,903
56$113,021,909$37,121,648$26,385,180$90,860,066
57$124,438,425$38,828,889$27,157,364$99,241,816
58$137,015,905$40,616,266$27,951,898$108,442,640
59$150,872,659$42,487,594$28,769,417$118,544,557
60$166,139,057$44,446,873$29,610,580$129,637,885
61$182,958,766$46,498,295$30,476,059$141,822,084
62$201,490,100$48,646,252$31,366,548$155,206,683
63$221,907,522$50,895,349$32,282,758$169,912,308
64$244,403,281$53,250,414$33,225,423$186,071,805
65$269,189,236$55,716,504$34,195,295$203,831,488
66$296,498,848$58,298,922$35,193,147$223,352,505
67$326,589,388$61,003,227$36,219,774$244,812,349
68$359,744,364$63,835,244$37,275,996$268,406,521
69$396,276,198$66,801,080$38,362,650$294,350,360
70$436,529,173$69,907,135$39,480,602$322,881,064
71$480,882,684$73,160,121$40,630,738$354,259,913
72$529,754,822$76,567,070$41,813,971$388,774,725
73$583,606,313$80,135,357$43,031,239$426,742,550
74$642,944,877$83,872,709$44,283,505$468,512,651
75$708,330,012$87,787,229$45,571,760$514,469,783
76$780,378,280$91,887,410$46,897,021$565,037,807
77$859,769,127$96,182,156$48,260,334$620,683,670
78$947,251,298$100,680,801$49,662,775$681,921,798
79$1,043,649,900$105,393,130$51,105,447$749,318,927
80$1,149,874,197$110,329,401$52,589,487$823,499,431
81$1,266,926,190$115,500,367$54,116,060$905,151,200
82$1,395,910,079$120,917,302$55,686,366$995,032,100
83$1,538,042,683$126,592,026$57,301,635$1,093,977,112
84$1,694,664,931$132,536,929$58,963,134$1,202,906,183
85$1,867,254,517$138,765,002$60,672,162$1,322,832,882
86$2,057,439,855$145,289,864$62,430,057$1,454,873,947
87$2,267,015,447$152,125,794$64,238,190$1,600,259,789
88$2,497,958,826$159,287,762$66,097,973$1,760,346,082
89$2,752,449,226$166,791,461$68,010,855$1,936,626,524
90$3,032,888,152$174,653,348$69,978,323$2,130,746,910
91$3,341,922,056$182,890,674$72,001,909$2,344,520,626
92$3,682,467,315$191,521,527$74,083,183$2,579,945,734
93$4,057,737,772$200,564,873$76,223,760$2,839,223,798
94$4,471,275,067$210,040,594$78,425,299$3,124,780,620
95$4,926,982,080$219,969,539$80,689,502$3,439,289,105
96$5,429,159,771$230,373,566$83,018,120$3,785,694,443
97$5,982,547,792$241,275,594$85,412,951$4,167,241,871
98$6,592,369,222$252,699,654$87,875,840$4,587,507,257
99$7,264,379,888$264,670,942$90,408,686$5,050,430,808
100$8,004,922,695$277,215,877$93,013,435$5,560,354,215