Can I retire at age 35 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,005,152
2 years$535,538$525,564$515,897$506,525$497,434$458,137
3 years$353,479$343,462$333,820$324,536$315,593$277,694
4 years$262,467$252,481$242,935$233,810$225,083$188,873
5 years$207,874$197,948$188,528$179,588$171,105$136,676
6 years$171,491$161,639$152,358$143,618$135,389$102,766
7 years$145,513$135,744$126,611$118,076$110,108$79,280
8 years$126,039$116,358$107,376$99,051$91,345$62,284
9 years$110,900$101,311$92,483$84,370$76,926$49,591
10 years$98,796$89,300$80,629$72,728$65,545$39,885
11 years$88,899$79,499$70,984$63,295$56,371$32,330
12 years$80,658$71,354$62,997$55,518$48,850$26,367
13 years$73,689$64,483$56,283$49,014$42,598$21,608
14 years$67,722$58,613$50,571$43,509$37,341$17,777
15 years$62,555$53,544$45,659$38,803$32,878$14,671
16 years$58,038$49,126$41,396$34,744$29,058$12,139
17 years$54,057$45,243$37,669$31,217$25,764$10,065
18 years$50,522$41,807$34,387$28,133$22,909$8,360
19 years$47,362$38,746$31,480$25,420$20,419$6,953
20 years$44,523$36,005$28,890$23,023$18,239$5,790
21 years$41,957$33,537$26,574$20,895$16,321$4,826
22 years$39,627$31,305$24,492$18,998$14,630$4,025
23 years$37,503$29,279$22,614$17,302$13,133$3,360
24 years$35,559$27,433$20,914$15,780$11,804$2,806
25 years$33,774$25,744$19,370$14,412$10,622$2,345
26 years$32,128$24,196$17,965$13,177$9,568$1,960
27 years$30,607$22,771$16,682$12,061$8,626$1,639
28 years$29,197$21,457$15,508$11,051$7,783$1,371
29 years$27,887$20,242$14,432$10,134$7,028$1,147
30 years$26,666$19,117$13,443$9,300$6,350$959
31 years$25,526$18,071$12,532$8,542$5,741$803
32 years$24,460$17,099$11,693$7,850$5,194$672
33 years$23,460$16,193$10,918$7,219$4,700$563
34 years$22,521$15,348$10,201$6,642$4,255$471
35 years$21,638$14,557$9,537$6,114$3,854$394
36 years$20,806$13,817$8,922$5,631$3,492$330
37 years$20,020$13,123$8,350$5,188$3,165$276
38 years$19,278$12,471$7,820$4,782$2,869$231
39 years$18,575$11,859$7,326$4,409$2,602$194
40 years$17,910$11,283$6,867$4,067$2,360$162
41 years$17,278$10,740$6,439$3,752$2,141$136
42 years$16,678$10,229$6,040$3,463$1,943$114
43 years$16,108$9,746$5,668$3,197$1,763$95
44 years$15,565$9,290$5,320$2,952$1,601$80
45 years$15,047$8,859$4,995$2,726$1,453$67
46 years$14,554$8,451$4,692$2,518$1,319$56
47 years$14,083$8,065$4,408$2,326$1,198$47
48 years$13,632$7,699$4,142$2,150$1,088$39
49 years$13,202$7,352$3,893$1,987$988$33
50 years$12,790$7,023$3,660$1,836$898$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,100,000, adding $4,799 every year, while hoping to spend $41,186 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: 74/20/6 Blend
34$13,100,000$13,100,000$13,100,000$13,100,000
35$14,441,150$13,746,850$13,543,800$15,499,977
36$15,870,326$14,376,624$13,953,696$16,827,243
37$17,443,897$15,035,877$14,375,943$18,275,074
38$19,176,549$15,726,009$14,810,911$19,859,903
39$21,084,462$16,448,489$15,258,982$21,595,258
40$23,185,468$17,204,855$15,720,548$23,496,026
41$25,499,213$17,996,721$16,196,014$25,578,592
42$28,047,349$18,825,776$16,685,797$27,860,994
43$30,853,732$19,693,792$17,190,324$30,363,084
44$33,944,651$20,602,626$17,710,038$33,106,716
45$37,349,074$21,554,224$18,245,393$36,115,953
46$41,098,924$22,550,625$18,796,858$39,417,281
47$45,229,376$23,593,968$19,364,915$43,039,864
48$49,779,192$24,686,492$19,950,060$47,015,815
49$54,791,087$25,830,548$20,552,804$51,380,489
50$60,312,130$27,028,596$21,173,675$56,172,820
51$66,394,188$28,283,218$21,813,214$61,435,680
52$73,094,418$29,597,119$22,471,979$67,216,281
53$80,475,804$30,973,133$23,150,546$73,566,618
54$88,607,752$32,414,233$23,849,505$80,543,949
55$97,566,747$33,923,535$24,569,468$88,211,337
56$107,437,071$35,504,304$25,311,061$96,638,238
57$118,311,602$37,159,964$26,074,931$105,901,149
58$130,292,687$38,894,104$26,861,743$116,084,328
59$143,493,111$40,710,485$27,672,182$127,280,581
60$158,037,162$42,613,053$28,506,953$139,592,132
61$174,061,801$44,605,940$29,366,784$153,131,584
62$191,717,955$46,693,482$30,252,422$168,022,970
63$211,171,945$48,880,221$31,164,637$184,402,925
64$232,607,053$51,170,922$32,104,222$202,421,958
65$256,225,253$53,570,577$33,071,993$222,245,873
66$282,249,115$56,084,422$34,068,792$244,057,325
67$310,923,912$58,717,946$35,095,484$268,057,532
68$342,519,928$61,476,901$36,152,959$294,468,169
69$377,335,013$64,367,322$37,242,136$323,533,450
70$415,697,395$67,395,532$38,363,958$355,522,424
71$457,968,779$70,568,162$39,519,400$390,731,504
72$504,547,756$73,892,164$40,709,461$429,487,256
73$555,873,573$77,374,826$41,935,174$472,149,470
74$612,430,274$81,023,789$43,197,599$519,114,544
75$674,751,273$84,847,066$44,497,830$570,819,215
76$743,424,388$88,853,057$45,836,992$627,744,669
77$819,097,387$93,050,568$47,216,243$690,421,068
78$902,484,109$97,448,835$48,636,776$759,432,545
79$994,371,198$102,057,538$50,099,818$835,422,701
80$1,095,625,533$106,886,830$51,606,634$919,100,666
81$1,207,202,406$111,947,353$53,158,526$1,011,247,778
82$1,330,154,548$117,250,270$54,756,832$1,112,724,939
83$1,465,642,058$122,807,280$56,402,933$1,224,480,732
84$1,614,943,365$128,630,653$58,098,248$1,347,560,349
85$1,779,467,289$134,733,256$59,844,240$1,483,115,447
86$1,960,766,343$141,128,576$61,642,413$1,632,414,994
87$2,160,551,393$147,830,759$63,494,316$1,796,857,229
88$2,380,707,804$154,854,635$65,401,545$1,977,982,842
89$2,623,313,245$162,215,757$67,365,742$2,177,489,494
90$2,890,657,298$169,930,431$69,388,596$2,397,247,822
91$3,185,263,076$178,015,757$71,471,848$2,639,319,069
92$3,509,911,045$186,489,663$73,617,289$2,905,974,521
93$3,867,665,266$195,370,951$75,826,763$3,199,716,922
94$4,261,902,332$204,679,337$78,102,169$3,523,304,068
95$4,696,343,238$214,435,492$80,445,459$3,879,774,814
96$5,175,088,512$224,661,095$82,858,646$4,272,477,735
97$5,702,656,930$235,378,879$85,343,800$4,705,102,699
98$6,284,028,172$246,612,679$87,903,053$5,181,715,669
99$6,924,689,839$258,387,493$90,538,598$5,706,797,055
100$7,630,689,255$270,729,533$93,252,694$6,285,283,970