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%13.7%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,091,391
2 years$568,242$557,659$547,403$537,458$527,812$510,712
3 years$375,065$364,436$354,206$344,355$334,866$318,211
4 years$278,495$267,899$257,771$248,088$238,829$222,749
5 years$220,569$210,036$200,041$190,555$181,554$166,095
6 years$181,964$171,510$161,663$152,389$143,658$128,837
7 years$154,399$144,034$134,343$125,287$116,832$102,655
8 years$133,736$123,464$113,933$105,100$96,923$83,387
9 years$117,672$107,498$98,131$89,522$81,624$68,722
10 years$104,829$94,754$85,552$77,169$69,547$57,270
11 years$94,328$84,354$75,319$67,160$59,813$48,147
12 years$85,583$75,711$66,844$58,908$51,833$40,764
13 years$78,190$68,421$59,720$52,007$45,199$34,712
14 years$71,858$62,193$53,659$46,166$39,621$29,699
15 years$66,375$56,814$48,447$41,172$34,886$25,510
16 years$61,582$52,126$43,924$36,865$30,832$21,984
17 years$57,358$48,006$39,969$33,123$27,338$18,999
18 years$53,607$44,360$36,487$29,851$24,308$16,457
19 years$50,255$41,112$33,402$26,973$21,666$14,285
20 years$47,242$38,203$30,655$24,429$19,352$12,421
21 years$44,519$35,585$28,196$22,171$17,318$10,816
22 years$42,047$33,217$25,987$20,158$15,523$9,430
23 years$39,794$31,067$23,995$18,359$13,935$8,232
24 years$37,731$29,108$22,191$16,744$12,525$7,192
25 years$35,836$27,317$20,553$15,292$11,270$6,289
26 years$34,090$25,673$19,062$13,982$10,152$5,503
27 years$32,476$24,161$17,701$12,798$9,153$4,819
28 years$30,980$22,767$16,455$11,726$8,259$4,222
29 years$29,590$21,478$15,313$10,753$7,457$3,701
30 years$28,294$20,284$14,264$9,868$6,738$3,245
31 years$27,085$19,175$13,297$9,063$6,092$2,847
32 years$25,954$18,144$12,407$8,329$5,511$2,498
33 years$24,893$17,182$11,584$7,660$4,987$2,192
34 years$23,897$16,285$10,824$7,047$4,515$1,925
35 years$22,960$15,446$10,119$6,488$4,090$1,690
36 years$22,076$14,660$9,466$5,975$3,705$1,485
37 years$21,243$13,924$8,860$5,505$3,358$1,304
38 years$20,455$13,233$8,297$5,074$3,045$1,146
39 years$19,710$12,583$7,774$4,679$2,761$1,007
40 years$19,003$11,972$7,286$4,315$2,504$885
41 years$18,333$11,396$6,832$3,981$2,272$778
42 years$17,697$10,853$6,409$3,674$2,062$684
43 years$17,091$10,341$6,014$3,392$1,871$601
44 years$16,515$9,857$5,645$3,132$1,698$528
45 years$15,966$9,400$5,301$2,892$1,542$464
46 years$15,442$8,967$4,978$2,672$1,400$408
47 years$14,943$8,557$4,677$2,468$1,271$359
48 years$14,465$8,169$4,395$2,281$1,154$316
49 years$14,008$7,801$4,131$2,108$1,048$277
50 years$13,571$7,452$3,884$1,948$952$244

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 $3,204 every year, while hoping to spend $44,113 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: 49/36/15 Blend
34$13,900,000$13,900,000$13,900,000$13,900,000
35$15,321,105$14,584,405$14,368,955$16,008,052
36$16,836,922$15,252,105$14,803,379$17,149,709
37$18,505,873$15,951,044$15,250,878$18,384,338
38$20,343,533$16,682,705$15,711,843$19,724,514
39$22,367,061$17,448,645$16,186,677$21,180,154
40$24,595,366$18,250,494$16,675,796$22,762,147
41$27,049,284$19,089,959$17,179,626$24,482,458
42$29,751,776$19,968,832$17,698,608$26,354,227
43$32,728,141$20,888,988$18,233,195$28,391,896
44$36,006,258$21,852,395$18,783,854$30,611,335
45$39,616,848$22,861,115$19,351,065$33,029,983
46$43,593,764$23,917,307$19,935,323$35,667,015
47$47,974,310$25,023,236$20,537,138$38,543,508
48$52,799,591$26,181,277$21,157,033$41,682,636
49$58,114,906$27,393,916$21,795,551$45,109,883
50$63,970,170$28,663,762$22,453,246$48,853,273
51$70,420,389$29,993,548$23,130,691$52,943,630
52$77,526,176$31,386,139$23,828,477$57,414,856
53$85,354,325$32,844,539$24,547,210$62,304,248
54$93,978,440$34,371,895$25,287,515$67,652,837
55$103,479,632$35,971,508$26,050,037$73,505,765
56$113,947,279$37,646,837$26,835,438$79,912,707
57$125,479,877$39,401,508$27,644,402$86,928,323
58$138,185,965$41,239,322$28,477,629$94,612,765
59$152,185,149$43,164,264$29,335,845$103,032,237
60$167,609,231$45,180,511$30,219,793$112,259,602
61$184,603,459$47,292,441$31,130,242$122,375,062
62$203,327,887$49,504,646$32,067,980$133,466,902
63$223,958,895$51,821,937$33,033,821$145,632,306
64$246,690,850$54,249,360$34,028,602$158,978,263
65$271,737,942$56,792,204$35,053,185$173,622,563
66$299,336,202$59,456,012$36,108,457$189,694,890
67$329,745,736$62,246,598$37,195,332$207,338,032
68$363,253,176$65,170,056$38,314,751$226,709,213
69$400,174,386$68,232,775$39,467,681$247,981,556
70$440,857,445$71,441,453$40,655,120$271,345,701
71$485,685,932$74,803,112$41,878,094$297,011,584
72$535,082,547$78,325,114$43,137,660$325,210,399
73$589,513,102$82,015,179$44,434,906$356,196,760
74$649,490,915$85,881,400$45,770,953$390,251,078
75$715,581,660$89,932,261$47,146,952$427,682,189
76$788,408,706$94,176,658$48,564,091$468,830,244
77$868,658,999$98,623,919$50,023,593$514,069,891
78$957,089,548$103,283,822$51,526,715$563,813,789
79$1,054,534,575$108,166,622$53,074,752$618,516,475
80$1,161,913,384$113,283,069$54,669,039$678,678,621
81$1,280,239,044$118,644,434$56,310,947$744,851,734
82$1,410,627,952$124,262,537$58,001,889$817,643,329
83$1,554,310,371$130,149,770$59,743,320$897,722,629
84$1,712,642,046$136,319,126$61,536,738$985,826,848
85$1,887,117,000$142,784,228$63,383,685$1,082,768,114
86$2,079,381,642$149,559,363$65,285,745$1,189,441,095
87$2,291,250,306$156,659,508$67,244,555$1,306,831,406
88$2,524,722,384$164,100,371$69,261,794$1,436,024,871
89$2,782,001,196$171,898,419$71,339,194$1,578,217,727
90$3,065,514,798$180,070,920$73,478,536$1,734,727,872
91$3,377,938,895$188,635,983$75,681,655$1,907,007,258
92$3,722,222,110$197,612,595$77,950,438$2,096,655,546
93$4,101,613,817$207,020,663$80,286,829$2,305,435,151
94$4,519,694,817$216,881,066$82,692,829$2,535,287,832
95$4,980,411,145$227,215,696$85,170,496$2,788,352,953
96$5,488,111,324$238,047,507$87,721,949$3,066,987,629
97$6,047,587,415$249,400,571$90,349,371$3,373,788,907
98$6,664,120,263$261,300,130$93,055,006$3,711,618,217
99$7,343,529,348$273,772,655$95,841,167$4,083,628,319
100$8,092,227,728$286,845,901$98,710,232$4,493,292,985