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%16.8%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,077,678
2 years$568,242$557,659$547,403$537,458$527,812$497,084
3 years$375,065$364,436$354,206$344,355$334,866$305,099
4 years$278,495$267,899$257,771$248,088$238,829$210,252
5 years$220,569$210,036$200,041$190,555$181,554$154,246
6 years$181,964$171,510$161,663$152,389$143,658$117,644
7 years$154,399$144,034$134,343$125,287$116,832$92,113
8 years$133,736$123,464$113,933$105,100$96,923$73,486
9 years$117,672$107,498$98,131$89,522$81,624$59,446
10 years$104,829$94,754$85,552$77,169$69,547$48,600
11 years$94,328$84,354$75,319$67,160$59,813$40,063
12 years$85,583$75,711$66,844$58,908$51,833$33,242
13 years$78,190$68,421$59,720$52,007$45,199$27,729
14 years$71,858$62,193$53,659$46,166$39,621$23,229
15 years$66,375$56,814$48,447$41,172$34,886$19,527
16 years$61,582$52,126$43,924$36,865$30,832$16,463
17 years$57,358$48,006$39,969$33,123$27,338$13,913
18 years$53,607$44,360$36,487$29,851$24,308$11,782
19 years$50,255$41,112$33,402$26,973$21,666$9,994
20 years$47,242$38,203$30,655$24,429$19,352$8,489
21 years$44,519$35,585$28,196$22,171$17,318$7,219
22 years$42,047$33,217$25,987$20,158$15,523$6,145
23 years$39,794$31,067$23,995$18,359$13,935$5,236
24 years$37,731$29,108$22,191$16,744$12,525$4,464
25 years$35,836$27,317$20,553$15,292$11,270$3,809
26 years$34,090$25,673$19,062$13,982$10,152$3,251
27 years$32,476$24,161$17,701$12,798$9,153$2,776
28 years$30,980$22,767$16,455$11,726$8,259$2,372
29 years$29,590$21,478$15,313$10,753$7,457$2,027
30 years$28,294$20,284$14,264$9,868$6,738$1,732
31 years$27,085$19,175$13,297$9,063$6,092$1,481
32 years$25,954$18,144$12,407$8,329$5,511$1,267
33 years$24,893$17,182$11,584$7,660$4,987$1,083
34 years$23,897$16,285$10,824$7,047$4,515$927
35 years$22,960$15,446$10,119$6,488$4,090$793
36 years$22,076$14,660$9,466$5,975$3,705$678
37 years$21,243$13,924$8,860$5,505$3,358$581
38 years$20,455$13,233$8,297$5,074$3,045$497
39 years$19,710$12,583$7,774$4,679$2,761$425
40 years$19,003$11,972$7,286$4,315$2,504$364
41 years$18,333$11,396$6,832$3,981$2,272$311
42 years$17,697$10,853$6,409$3,674$2,062$267
43 years$17,091$10,341$6,014$3,392$1,871$228
44 years$16,515$9,857$5,645$3,132$1,698$195
45 years$15,966$9,400$5,301$2,892$1,542$167
46 years$15,442$8,967$4,978$2,672$1,400$143
47 years$14,943$8,557$4,677$2,468$1,271$123
48 years$14,465$8,169$4,395$2,281$1,154$105
49 years$14,008$7,801$4,131$2,108$1,048$90
50 years$13,571$7,452$3,884$1,948$952$77

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 $2,960 every year, while hoping to spend $42,075 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: 34/44/22 Blend
34$13,900,000$13,900,000$13,900,000$13,900,000
35$15,320,853$14,584,153$14,368,703$15,738,697
36$16,838,813$15,254,009$14,805,287$16,718,933
37$18,510,194$15,955,278$15,255,087$17,771,204
38$20,350,602$16,689,454$15,718,500$18,905,093
39$22,377,230$17,458,105$16,195,937$20,127,859
40$24,609,027$18,262,872$16,687,821$21,447,455
41$27,066,871$19,105,476$17,194,586$22,872,597
42$29,773,769$19,987,721$17,716,681$24,412,840
43$32,755,071$20,911,497$18,254,568$26,078,660
44$36,038,714$21,878,786$18,808,722$27,881,547
45$39,655,482$22,891,665$19,379,632$29,834,104
46$43,639,295$23,952,311$19,967,804$31,950,163
47$48,027,535$25,063,006$20,573,757$34,244,898
48$52,861,391$26,226,141$21,198,026$36,734,970
49$58,186,255$27,444,224$21,841,162$39,438,668
50$64,052,144$28,719,882$22,503,732$42,376,076
51$70,514,178$30,055,871$23,186,321$45,569,248
52$77,633,093$31,455,077$23,889,532$49,042,413
53$85,475,821$32,920,529$24,613,984$52,822,186
54$94,116,118$34,455,399$25,360,316$56,937,813
55$103,635,262$36,063,012$26,129,186$61,421,430
56$114,122,815$37,746,857$26,921,271$66,308,360
57$125,677,477$39,510,588$27,737,269$71,637,429
58$138,408,010$41,358,037$28,577,897$77,451,319
59$152,434,268$43,293,221$29,443,897$83,796,961
60$167,888,325$45,320,351$30,336,030$90,725,957
61$184,915,728$47,443,842$31,255,081$98,295,056
62$203,676,865$49,668,323$32,201,858$106,566,673
63$224,348,478$51,998,644$33,177,194$115,609,459
64$247,125,339$54,439,893$34,181,945$125,498,934
65$272,222,078$56,997,403$35,216,996$136,318,178
66$299,875,219$59,676,764$36,283,254$148,158,598
67$330,345,404$62,483,838$37,381,655$161,120,771
68$363,919,860$65,424,771$38,513,166$175,315,371
69$400,915,106$68,506,005$39,678,777$190,864,192
70$441,679,943$71,734,296$40,879,512$207,901,271
71$486,598,745$75,116,724$42,116,424$226,574,136
72$536,095,090$78,660,716$43,390,597$247,045,166
73$590,635,755$82,374,057$44,703,148$269,493,101
74$650,735,125$86,264,910$46,055,227$294,114,699
75$716,960,049$90,341,831$47,448,017$321,126,568
76$789,935,188$94,613,795$48,882,740$350,767,174
77$870,348,915$99,090,209$50,360,650$383,299,065
78$958,959,813$103,780,938$51,883,041$419,011,315
79$1,056,603,835$108,696,325$53,451,243$458,222,216
80$1,164,202,196$113,847,215$55,066,630$501,282,245
81$1,282,770,070$119,244,978$56,730,612$548,577,339
82$1,413,426,174$124,901,539$58,444,644$600,532,491
83$1,557,403,327$130,829,397$60,210,223$657,615,727
84$1,716,060,092$137,041,664$62,028,891$720,342,473
85$1,890,893,598$143,552,082$63,902,236$789,280,380
86$2,083,553,677$150,375,065$65,831,892$865,054,630
87$2,295,858,434$157,525,726$67,819,543$948,353,790
88$2,529,811,419$165,019,910$69,866,922$1,039,936,259
89$2,787,620,534$172,874,236$71,975,814$1,140,637,370
90$3,071,718,881$181,106,127$74,148,057$1,251,377,218
91$3,384,787,734$189,733,854$76,385,543$1,373,169,285
92$3,729,781,845$198,776,575$78,690,221$1,507,129,945
93$4,109,957,347$208,254,381$81,064,098$1,654,488,936
94$4,528,902,490$218,188,339$83,509,238$1,816,600,897
95$4,990,571,516$228,600,540$86,027,770$1,994,958,084
96$5,499,321,994$239,514,150$88,621,883$2,191,204,381
97$6,059,955,954$250,953,460$91,293,833$2,407,150,739
98$6,677,765,226$262,943,944$94,045,942$2,644,792,187
99$7,358,581,397$275,512,316$96,880,599$2,906,326,577
100$8,108,830,868$288,686,587$99,800,267$3,194,175,244