Can I retire at age 35 with 13,300,000?

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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,049,922
2 years$543,714$533,587$523,774$514,258$505,029$494,314
3 years$358,875$348,705$338,916$329,490$320,411$309,951
4 years$266,474$256,335$246,644$237,379$228,520$218,397
5 years$211,048$200,970$191,406$182,330$173,717$163,960
6 years$174,109$164,107$154,685$145,811$137,456$128,077
7 years$147,735$137,817$128,544$119,879$111,789$102,792
8 years$127,963$118,135$109,015$100,564$92,740$84,124
9 years$112,593$102,857$93,895$85,658$78,100$69,863
10 years$100,304$90,664$81,860$73,838$66,545$58,682
11 years$90,256$80,713$72,068$64,261$57,231$49,735
12 years$81,889$72,443$63,958$56,366$49,595$42,459
13 years$74,814$65,468$57,143$49,762$43,248$36,463
14 years$68,756$59,508$51,343$44,173$37,911$31,468
15 years$63,510$54,362$46,356$39,395$33,380$27,269
16 years$58,924$49,876$42,028$35,274$29,501$23,713
17 years$54,882$45,934$38,244$31,693$26,158$20,681
18 years$51,293$42,445$34,912$28,562$23,258$18,083
19 years$48,086$39,338$31,960$25,808$20,731$15,845
20 years$45,202$36,554$29,331$23,374$18,517$13,910
21 years$42,597$34,049$26,979$21,214$16,571$12,232
22 years$40,232$31,783$24,866$19,288$14,853$10,771
23 years$38,076$29,726$22,959$17,566$13,333$9,496
24 years$36,102$27,852$21,233$16,021$11,984$8,381
25 years$34,289$26,137$19,666$14,632$10,784$7,404
26 years$32,619$24,565$18,239$13,378$9,714$6,546
27 years$31,074$23,119$16,937$12,246$8,758$5,791
28 years$29,643$21,784$15,745$11,220$7,902$5,127
29 years$28,312$20,551$14,652$10,289$7,136$4,542
30 years$27,073$19,408$13,648$9,442$6,447$4,025
31 years$25,916$18,347$12,723$8,672$5,829$3,569
32 years$24,833$17,360$11,871$7,970$5,273$3,166
33 years$23,818$16,441$11,084$7,329$4,772$2,809
34 years$22,865$15,582$10,356$6,743$4,320$2,493
35 years$21,968$14,779$9,683$6,208$3,913$2,214
36 years$21,123$14,028$9,058$5,717$3,546$1,966
37 years$20,326$13,323$8,478$5,267$3,213$1,746
38 years$19,572$12,662$7,939$4,855$2,913$1,551
39 years$18,859$12,040$7,438$4,477$2,642$1,378
40 years$18,183$11,455$6,972$4,129$2,396$1,225
41 years$17,542$10,904$6,537$3,810$2,174$1,088
42 years$16,933$10,385$6,132$3,516$1,973$967
43 years$16,354$9,895$5,754$3,245$1,790$860
44 years$15,802$9,432$5,401$2,997$1,625$765
45 years$15,277$8,994$5,072$2,768$1,475$680
46 years$14,776$8,580$4,764$2,556$1,339$604
47 years$14,298$8,188$4,475$2,362$1,216$537
48 years$13,841$7,816$4,205$2,182$1,105$478
49 years$13,404$7,464$3,953$2,017$1,003$425
50 years$12,985$7,130$3,716$1,864$911$378

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,300,000, adding $2,339 every year, while hoping to spend $29,090 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: 79/5/16 Blend
34$13,300,000$13,300,000$13,300,000$13,300,000
35$14,659,013$13,954,113$13,747,963$15,766,886
36$16,123,280$14,606,913$14,177,568$17,149,876
37$17,735,929$15,290,725$14,620,590$18,663,026
38$19,512,061$16,007,038$15,077,447$20,322,497
39$21,468,322$16,757,414$15,548,572$22,142,932
40$23,623,051$17,543,487$16,034,410$24,140,459
41$25,996,459$18,366,975$16,535,419$26,332,837
42$28,610,816$19,229,675$17,052,074$28,739,627
43$31,490,663$20,133,472$17,584,862$31,382,374
44$34,663,043$21,080,345$18,134,288$34,284,808
45$38,157,756$22,072,365$18,700,869$37,473,067
46$42,007,641$23,111,705$19,285,142$40,975,943
47$46,248,885$24,200,643$19,887,659$44,825,149
48$50,921,364$25,341,567$20,508,989$49,055,622
49$56,069,022$26,536,983$21,149,718$53,705,846
50$61,740,282$27,789,514$21,810,453$58,818,214
51$67,988,505$29,101,915$22,491,818$64,439,431
52$74,872,494$30,477,070$23,194,455$70,620,947
53$82,457,049$31,918,007$23,919,030$77,419,443
54$90,813,576$33,427,898$24,666,226$84,897,365
55$100,020,766$35,010,070$25,436,750$93,123,509
56$110,165,331$36,668,010$26,231,328$102,173,670
57$121,342,829$38,405,377$27,050,712$112,131,355
58$133,658,562$40,226,005$27,895,675$123,088,566
59$147,228,570$42,133,914$28,767,015$135,146,669
60$162,180,730$44,133,322$29,665,556$148,417,348
61$178,655,958$46,228,648$30,592,145$163,023,654
62$196,809,542$48,424,528$31,547,658$179,101,165
63$216,812,607$50,725,822$32,532,997$196,799,266
64$238,853,733$53,137,627$33,549,092$216,282,549
65$263,140,731$55,665,288$34,596,904$237,732,371
66$289,902,605$58,314,407$35,677,420$261,348,556
67$319,391,719$61,090,860$36,791,661$287,351,283
68$351,886,172$64,000,810$37,940,680$315,983,158
69$387,692,429$67,050,718$39,125,560$347,511,501
70$427,148,211$70,247,357$40,347,421$382,230,866
71$470,625,685$73,597,834$41,607,415$420,465,817
72$518,534,973$77,109,596$42,906,732$462,573,988
73$571,328,032$80,790,458$44,246,599$508,949,454
74$629,502,911$84,648,610$45,628,280$560,026,446
75$693,608,459$88,692,643$47,053,079$616,283,449
76$764,249,505$92,931,566$48,522,340$678,247,708
77$842,092,567$97,374,825$50,037,451$746,500,207
78$927,872,144$102,032,326$51,599,841$821,681,141
79$1,022,397,651$106,914,459$53,210,984$904,495,960
80$1,126,561,060$112,032,116$54,872,400$995,722,021
81$1,241,345,320$117,396,722$56,585,658$1,096,215,917
82$1,367,833,639$123,020,257$58,352,373$1,206,921,564
83$1,507,219,705$128,915,285$60,174,213$1,328,879,098
84$1,660,818,962$135,094,981$62,052,896$1,463,234,694
85$1,830,081,023$141,573,162$63,990,195$1,611,251,373
86$2,016,603,358$148,364,317$65,987,937$1,774,320,924
87$2,222,146,374$155,483,642$68,048,006$1,953,977,030
88$2,448,650,036$162,947,072$70,172,346$2,151,909,745
89$2,698,252,180$170,771,320$72,362,961$2,369,981,435
90$2,973,308,699$178,973,910$74,621,916$2,610,244,351
91$3,276,415,778$187,573,224$76,951,342$2,874,960,000
92$3,610,434,412$196,588,536$79,353,436$3,166,620,480
93$3,978,517,409$206,040,062$81,830,463$3,487,971,999
94$4,384,139,160$215,949,001$84,384,760$3,842,040,790
95$4,831,128,439$226,337,586$87,018,734$4,232,161,673
96$5,323,704,548$237,229,136$89,734,869$4,662,009,520
97$5,866,517,151$248,648,103$92,535,727$5,135,633,945
98$6,464,690,175$260,620,134$95,423,948$5,657,497,517
99$7,123,870,177$273,172,125$98,402,254$6,232,517,877
100$7,850,279,660$286,332,284$101,473,455$6,866,114,157