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

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 $13,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$1,029,243
2 years$531,449$521,552$511,959$502,659$493,637$486,180
3 years$350,780$340,840$331,272$322,058$313,184$305,895
4 years$260,463$250,553$241,081$232,025$223,365$216,302
5 years$206,287$196,437$187,089$178,217$169,799$162,982
6 years$170,182$160,405$151,195$142,522$134,356$127,794
7 years$144,402$134,708$125,644$117,175$109,267$102,963
8 years$125,077$115,470$106,556$98,295$90,648$84,601
9 years$110,053$100,537$91,777$83,726$76,339$70,548
10 years$98,042$88,619$80,013$72,172$65,044$59,507
11 years$88,220$78,892$70,442$62,812$55,940$50,652
12 years$80,042$70,809$62,516$55,094$48,477$43,433
13 years$73,127$63,991$55,854$48,640$42,273$37,468
14 years$67,205$58,166$50,185$43,177$37,056$32,485
15 years$62,077$53,136$45,310$38,506$32,627$28,283
16 years$57,595$48,751$41,080$34,478$28,836$24,713
17 years$53,644$44,898$37,381$30,978$25,568$21,659
18 years$50,136$41,488$34,124$27,918$22,734$19,031
19 years$47,001$38,450$31,239$25,226$20,263$16,760
20 years$44,183$35,730$28,670$22,847$18,099$14,789
21 years$41,637$33,281$26,371$20,735$16,197$13,072
22 years$39,325$31,067$24,305$18,853$14,518$11,571
23 years$37,217$29,056$22,441$17,170$13,032$10,256
24 years$35,288$27,224$20,754$15,660$11,714$9,101
25 years$33,516$25,548$19,223$14,302$10,541$8,083
26 years$31,883$24,011$17,828$13,077$9,495$7,186
27 years$30,373$22,597$16,555$11,969$8,560$6,393
28 years$28,974$21,293$15,390$10,966$7,724$5,692
29 years$27,674$20,088$14,322$10,056$6,975$5,071
30 years$26,462$18,971$13,340$9,229$6,302$4,520
31 years$25,331$17,934$12,436$8,476$5,698$4,030
32 years$24,273$16,969$11,603$7,790$5,154$3,596
33 years$23,281$16,070$10,834$7,164$4,664$3,209
34 years$22,349$15,230$10,123$6,591$4,223$2,865
35 years$21,473$14,446$9,464$6,067$3,825$2,558
36 years$20,647$13,711$8,853$5,588$3,466$2,285
37 years$19,868$13,022$8,287$5,149$3,141$2,042
38 years$19,131$12,376$7,760$4,746$2,848$1,825
39 years$18,434$11,768$7,270$4,376$2,582$1,631
40 years$17,773$11,197$6,815$4,036$2,342$1,458
41 years$17,146$10,658$6,390$3,724$2,125$1,304
42 years$16,551$10,150$5,994$3,436$1,928$1,166
43 years$15,985$9,671$5,624$3,172$1,750$1,043
44 years$15,446$9,219$5,280$2,929$1,588$933
45 years$14,932$8,791$4,957$2,705$1,442$834
46 years$14,443$8,386$4,656$2,499$1,309$746
47 years$13,975$8,003$4,374$2,309$1,189$668
48 years$13,528$7,640$4,111$2,133$1,080$597
49 years$13,101$7,296$3,864$1,971$981$535
50 years$12,693$6,969$3,632$1,822$891$478

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,000,000, adding $4,779 every year, while hoping to spend $54,942 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: 43/27/30 Blend
34$13,000,000$13,000,000$13,000,000$13,000,000
35$14,330,930$13,641,930$13,440,430$14,821,532
36$15,734,226$14,251,926$13,832,226$15,785,000
37$17,278,818$14,889,971$14,235,306$16,822,733
38$18,979,059$15,557,381$14,649,990$17,946,140
39$20,850,765$16,255,535$15,076,607$19,163,208
40$22,911,364$16,985,877$15,515,495$20,482,711
41$25,180,060$17,749,922$15,967,000$21,914,285
42$27,678,012$18,549,254$16,431,481$23,468,516
43$30,428,537$19,385,535$16,909,303$25,157,038
44$33,457,328$20,260,507$17,400,845$26,992,635
45$36,792,696$21,175,992$17,906,494$28,989,360
46$40,465,837$22,133,901$18,426,647$31,162,660
47$44,511,127$23,136,237$18,961,715$33,529,519
48$48,966,447$24,185,098$19,512,117$36,108,612
49$53,873,537$25,282,681$20,078,286$38,920,474
50$59,278,396$26,431,289$20,660,666$41,987,693
51$65,231,707$27,633,337$21,259,713$45,335,110
52$71,789,323$28,891,353$21,875,895$48,990,055
53$79,012,792$30,207,987$22,509,696$52,982,591
54$86,969,935$31,586,017$23,161,609$57,345,797
55$95,735,488$33,028,351$23,832,143$62,116,069
56$105,391,808$34,538,041$24,521,820$67,333,460
57$116,029,649$36,118,282$25,231,177$73,042,045
58$127,749,018$37,772,422$25,960,766$79,290,333
59$140,660,119$39,503,972$26,711,153$86,131,717
60$154,884,395$41,316,610$27,482,921$93,624,964
61$170,555,670$43,214,191$28,276,666$101,834,768
62$187,821,418$45,200,756$29,093,003$110,832,343
63$206,844,147$47,280,537$29,932,563$120,696,093
64$227,802,940$49,457,974$30,795,994$131,512,334
65$250,895,142$51,737,716$31,683,962$143,376,106
66$276,338,222$54,124,640$32,597,150$156,392,050
67$304,371,827$56,623,854$33,536,261$170,675,391
68$335,260,044$59,240,713$34,502,016$186,353,010
69$369,293,891$61,980,831$35,495,156$203,564,629
70$406,794,066$64,850,089$36,516,442$222,464,116
71$448,113,973$67,854,656$37,566,655$243,220,924
72$493,643,058$71,000,994$38,646,598$266,021,676
73$543,810,486$74,295,879$39,757,095$291,071,911
74$599,089,191$77,746,412$40,898,993$318,598,007
75$660,000,339$81,360,037$42,073,160$348,849,303
76$727,118,252$85,144,558$43,280,490$382,100,434
77$801,075,826$89,108,153$44,521,898$418,653,905
78$882,570,505$93,259,397$45,798,326$458,842,928
79$972,370,866$97,607,278$47,110,740$503,034,547
80$1,071,323,877$102,161,217$48,460,132$551,633,081
81$1,180,362,887$106,931,091$49,847,522$605,083,922
82$1,300,516,442$111,927,255$51,273,954$663,877,713
83$1,432,917,990$117,160,561$52,740,502$728,554,958
84$1,578,816,586$122,642,389$54,248,269$799,711,099
85$1,739,588,678$128,384,667$55,798,387$878,002,110
86$1,916,751,107$134,399,899$57,392,017$964,150,663
87$2,111,975,422$140,701,196$59,030,351$1,058,952,922
88$2,327,103,662$147,302,302$60,714,615$1,163,286,027
89$2,564,165,744$154,217,624$62,446,064$1,278,116,348
90$2,825,398,631$161,462,268$64,225,987$1,404,508,570
91$3,113,267,443$169,052,071$66,055,710$1,543,635,711
92$3,430,488,736$177,003,636$67,936,590$1,696,790,162
93$3,780,056,144$185,334,371$69,870,022$1,865,395,850
94$4,165,268,640$194,062,524$71,857,437$2,051,021,641
95$4,589,761,684$203,207,231$73,900,304$2,255,396,108
96$5,057,541,541$212,788,550$76,000,130$2,480,423,809
97$5,573,023,104$222,827,516$78,158,461$2,728,203,225
98$6,141,071,576$233,346,179$80,376,884$3,001,046,516
99$6,767,048,395$244,367,660$82,657,028$3,301,501,310
100$7,456,861,856$255,916,201$85,000,563$3,632,374,696