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

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,103,735
2 years$568,242$557,659$547,403$537,458$527,812$523,097
3 years$375,065$364,436$354,206$344,355$334,866$330,252
4 years$278,495$267,899$257,771$248,088$238,829$234,352
5 years$220,569$210,036$200,041$190,555$181,554$177,227
6 years$181,964$171,510$161,663$152,389$143,658$139,486
7 years$154,399$144,034$134,343$125,287$116,832$112,819
8 years$133,736$123,464$113,933$105,100$96,923$93,068
9 years$117,672$107,498$98,131$89,522$81,624$77,926
10 years$104,829$94,754$85,552$77,169$69,547$66,005
11 years$94,328$84,354$75,319$67,160$59,813$56,424
12 years$85,583$75,711$66,844$58,908$51,833$48,594
13 years$78,190$68,421$59,720$52,007$45,199$42,109
14 years$71,858$62,193$53,659$46,166$39,621$36,675
15 years$66,375$56,814$48,447$41,172$34,886$32,080
16 years$61,582$52,126$43,924$36,865$30,832$28,164
17 years$57,358$48,006$39,969$33,123$27,338$24,803
18 years$53,607$44,360$36,487$29,851$24,308$21,901
19 years$50,255$41,112$33,402$26,973$21,666$19,384
20 years$47,242$38,203$30,655$24,429$19,352$17,191
21 years$44,519$35,585$28,196$22,171$17,318$15,273
22 years$42,047$33,217$25,987$20,158$15,523$13,590
23 years$39,794$31,067$23,995$18,359$13,935$12,109
24 years$37,731$29,108$22,191$16,744$12,525$10,802
25 years$35,836$27,317$20,553$15,292$11,270$9,647
26 years$34,090$25,673$19,062$13,982$10,152$8,623
27 years$32,476$24,161$17,701$12,798$9,153$7,714
28 years$30,980$22,767$16,455$11,726$8,259$6,906
29 years$29,590$21,478$15,313$10,753$7,457$6,187
30 years$28,294$20,284$14,264$9,868$6,738$5,546
31 years$27,085$19,175$13,297$9,063$6,092$4,974
32 years$25,954$18,144$12,407$8,329$5,511$4,463
33 years$24,893$17,182$11,584$7,660$4,987$4,006
34 years$23,897$16,285$10,824$7,047$4,515$3,597
35 years$22,960$15,446$10,119$6,488$4,090$3,231
36 years$22,076$14,660$9,466$5,975$3,705$2,903
37 years$21,243$13,924$8,860$5,505$3,358$2,609
38 years$20,455$13,233$8,297$5,074$3,045$2,346
39 years$19,710$12,583$7,774$4,679$2,761$2,109
40 years$19,003$11,972$7,286$4,315$2,504$1,897
41 years$18,333$11,396$6,832$3,981$2,272$1,706
42 years$17,697$10,853$6,409$3,674$2,062$1,535
43 years$17,091$10,341$6,014$3,392$1,871$1,381
44 years$16,515$9,857$5,645$3,132$1,698$1,243
45 years$15,966$9,400$5,301$2,892$1,542$1,119
46 years$15,442$8,967$4,978$2,672$1,400$1,007
47 years$14,943$8,557$4,677$2,468$1,271$906
48 years$14,465$8,169$4,395$2,281$1,154$816
49 years$14,008$7,801$4,131$2,108$1,048$735
50 years$13,571$7,452$3,884$1,948$952$661

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 $2,010 every year, while hoping to spend $59,579 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: 56/16/28 Blend
34$13,900,000$13,900,000$13,900,000$13,900,000
35$15,319,873$14,583,173$14,367,723$16,059,418
36$16,819,109$15,234,357$14,785,650$17,219,727
37$18,469,269$15,915,452$15,215,581$18,476,951
38$20,285,687$16,627,861$15,657,855$19,845,607
39$22,285,254$17,373,054$16,112,820$21,336,469
40$24,486,586$18,152,569$16,580,836$22,961,386
41$26,910,192$18,968,020$17,062,269$24,733,393
42$29,578,675$19,821,096$17,557,498$26,666,830
43$32,516,938$20,713,568$18,066,912$28,777,477
44$35,752,423$21,647,290$18,590,911$31,082,694
45$39,315,368$22,624,205$19,129,904$33,601,588
46$43,239,094$23,646,349$19,684,314$36,355,186
47$47,560,317$24,715,856$20,254,574$39,366,629
48$52,319,496$25,834,959$20,841,129$42,661,390
49$57,561,214$27,006,002$21,444,436$46,267,507
50$63,334,598$28,231,437$22,064,966$50,215,846
51$69,693,786$29,513,835$22,703,200$54,540,387
52$76,698,431$30,855,892$23,359,636$59,278,541
53$84,414,270$32,260,430$24,034,783$64,471,494
54$92,913,741$33,730,407$24,729,164$70,164,600
55$102,276,669$35,268,923$25,443,317$76,407,796
56$112,591,015$36,879,226$26,177,795$83,256,070
57$123,953,712$38,564,722$26,933,164$90,769,976
58$136,471,574$40,328,977$27,710,009$99,016,199
59$150,262,308$42,175,729$28,508,927$108,068,180
60$165,455,621$44,108,898$29,330,534$118,006,800
61$182,194,449$46,132,588$30,175,461$128,921,139
62$200,636,301$48,251,104$31,044,358$140,909,310
63$220,954,750$50,468,954$31,937,890$154,079,378
64$243,341,067$52,790,865$32,856,742$168,550,372
65$268,006,030$55,221,792$33,801,617$184,453,403
66$295,181,911$57,766,925$34,773,237$201,932,890
67$325,124,668$60,431,707$35,772,343$221,147,919
68$358,116,364$63,221,841$36,799,696$242,273,734
69$394,467,826$66,143,304$37,856,079$265,503,383
70$434,521,581$69,202,362$38,942,293$291,049,530
71$478,655,086$72,405,581$40,059,164$319,146,454
72$527,284,296$75,759,847$41,207,538$350,052,248
73$580,867,588$79,272,372$42,388,283$384,051,248
74$639,910,084$82,950,721$43,602,293$421,456,705
75$704,968,426$86,802,819$44,850,483$462,613,729
76$776,656,025$90,836,977$46,133,794$507,902,536
77$855,648,855$95,061,905$47,453,192$557,742,024
78$942,691,833$99,486,732$48,809,668$612,593,715
79$1,038,605,848$104,121,031$50,204,240$672,966,100
80$1,144,295,515$108,974,832$51,637,953$739,419,421
81$1,260,757,712$114,058,653$53,111,879$812,570,946
82$1,389,090,991$119,383,520$54,627,120$893,100,785
83$1,530,505,949$124,960,988$56,184,805$981,758,287
84$1,686,336,654$130,803,175$57,786,094$1,079,369,103
85$1,858,053,242$136,922,780$59,432,177$1,186,842,959
86$2,047,275,795$143,333,119$61,124,278$1,305,182,231
87$2,255,789,634$150,048,149$62,863,649$1,435,491,381
88$2,485,562,173$157,082,505$64,651,578$1,578,987,370
89$2,738,761,494$164,451,527$66,489,385$1,737,011,121
90$3,017,776,813$172,171,299$68,378,426$1,911,040,160
91$3,325,241,037$180,258,682$70,320,092$2,102,702,540
92$3,664,055,618$188,731,352$72,315,810$2,313,792,185
93$4,037,417,946$197,607,843$74,367,045$2,546,285,804
94$4,448,851,533$206,907,584$76,475,298$2,802,361,524
95$4,902,239,281$216,650,948$78,642,112$3,084,419,427
96$5,401,860,134$226,859,290$80,869,068$3,395,104,177
97$5,952,429,475$237,555,002$83,157,790$3,737,329,962
98$6,559,143,646$248,761,563$85,509,941$4,114,307,971
99$7,227,729,004$260,503,585$87,927,230$4,529,576,678
100$7,964,495,979$272,806,877$90,411,408$4,987,035,217