Can I retire at age 35 with 13,400,000?

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 $13,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,026,950
2 years$547,802$537,599$527,712$518,125$508,826$467,433
3 years$361,573$351,327$341,464$331,968$322,820$282,921
4 years$268,478$258,263$248,499$239,164$230,238$192,137
5 years$212,635$202,481$192,845$183,701$175,023$138,818
6 years$175,418$165,341$155,848$146,907$138,490$104,204
7 years$148,845$138,853$129,510$120,780$112,629$80,251
8 years$128,925$119,023$109,835$101,320$93,437$62,935
9 years$113,439$103,631$94,601$86,302$78,687$50,017
10 years$101,058$91,345$82,475$74,393$67,046$40,151
11 years$90,935$81,319$72,610$64,744$57,661$32,482
12 years$82,505$72,988$64,439$56,789$49,968$26,438
13 years$75,377$65,960$57,572$50,137$43,573$21,622
14 years$69,273$59,956$51,729$44,506$38,196$17,751
15 years$63,987$54,771$46,704$39,691$33,631$14,619
16 years$59,367$50,251$42,344$35,539$29,723$12,069
17 years$55,295$46,279$38,532$31,932$26,354$9,985
18 years$51,679$42,764$35,174$28,777$23,433$8,274
19 years$48,447$39,633$32,200$26,002$20,887$6,866
20 years$45,542$36,829$29,552$23,550$18,656$5,704
21 years$42,918$34,305$27,182$21,373$16,695$4,744
22 years$40,535$32,022$25,053$19,433$14,965$3,948
23 years$38,362$29,950$23,132$17,698$13,433$3,287
24 years$36,374$28,061$21,393$16,142$12,074$2,739
25 years$34,547$26,334$19,814$14,742$10,865$2,283
26 years$32,864$24,750$18,376$13,479$9,787$1,904
27 years$31,308$23,292$17,064$12,338$8,824$1,588
28 years$29,866$21,948$15,863$11,304$7,962$1,325
29 years$28,525$20,706$14,762$10,366$7,189$1,106
30 years$27,277$19,554$13,750$9,513$6,496$923
31 years$26,111$18,485$12,819$8,737$5,873$770
32 years$25,020$17,491$11,960$8,030$5,312$643
33 years$23,997$16,564$11,168$7,384$4,808$537
34 years$23,037$15,699$10,434$6,794$4,353$449
35 years$22,134$14,890$9,755$6,254$3,943$375
36 years$21,282$14,133$9,126$5,760$3,572$313
37 years$20,479$13,423$8,542$5,307$3,238$261
38 years$19,720$12,757$7,999$4,892$2,935$218
39 years$19,001$12,130$7,494$4,510$2,662$182
40 years$18,320$11,541$7,024$4,160$2,414$152
41 years$17,674$10,986$6,586$3,838$2,190$127
42 years$17,060$10,463$6,178$3,542$1,987$106
43 years$16,477$9,969$5,798$3,270$1,804$89
44 years$15,921$9,502$5,442$3,019$1,637$74
45 years$15,392$9,061$5,110$2,788$1,486$62
46 years$14,887$8,644$4,799$2,576$1,350$52
47 years$14,405$8,249$4,509$2,380$1,225$43
48 years$13,945$7,875$4,237$2,199$1,113$36
49 years$13,504$7,520$3,983$2,032$1,011$30
50 years$13,083$7,184$3,744$1,878$918$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,400,000, adding $3,229 every year, while hoping to spend $33,340 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: 52/32/16 Blend
34$13,400,000$13,400,000$13,400,000$13,400,000
35$14,770,131$14,059,931$13,852,231$15,473,871
36$16,241,211$14,713,394$14,280,807$16,609,957
37$17,861,223$15,397,759$14,722,623$17,841,159
38$19,645,324$16,114,506$15,178,087$19,179,519
39$21,610,215$16,865,184$15,647,621$20,635,197
40$23,774,298$17,651,419$16,131,657$22,219,358
41$26,157,853$18,474,915$16,630,644$23,944,267
42$28,783,225$19,337,457$17,145,042$25,823,406
43$31,675,039$20,240,918$17,675,326$27,871,593
44$34,860,430$21,187,260$18,221,987$30,105,116
45$38,369,299$22,178,541$18,785,528$32,541,885
46$42,234,595$23,216,917$19,366,471$35,201,590
47$46,492,628$24,304,650$19,965,352$38,105,887
48$51,183,408$25,444,110$20,582,723$41,278,591
49$56,351,027$26,637,783$21,219,156$44,745,896
50$62,044,071$27,888,273$21,875,236$48,536,615
51$68,316,080$29,198,312$22,551,570$52,682,448
52$75,226,054$30,570,763$23,248,782$57,218,267
53$82,839,011$32,008,630$23,967,516$62,182,444
54$91,226,596$33,515,059$24,708,433$67,617,203
55$100,467,762$35,093,350$25,472,219$73,569,005
56$110,649,512$36,746,963$26,259,577$80,088,987
57$121,867,723$38,479,525$27,071,234$87,233,427
58$134,228,049$40,294,839$27,907,938$95,064,269
59$147,846,917$42,196,893$28,770,461$103,649,697
60$162,852,629$44,189,868$29,659,598$113,064,768
61$179,386,572$46,278,146$30,576,169$123,392,111
62$197,604,550$48,466,323$31,521,019$134,722,688
63$217,678,260$50,759,218$32,495,019$147,156,652
64$239,796,906$53,161,884$33,499,065$160,804,268
65$264,168,992$55,679,617$34,534,085$175,786,949
66$291,024,283$58,317,973$35,601,031$192,238,382
67$320,615,981$61,082,774$36,700,887$210,305,779
68$353,223,109$63,980,128$37,834,665$230,151,250
69$389,153,150$67,016,438$39,003,410$251,953,316
70$428,744,945$70,198,418$40,208,198$275,908,579
71$472,371,896$73,533,107$41,450,139$302,233,561
72$520,445,488$77,027,888$42,730,377$331,166,725
73$573,419,173$80,690,499$44,050,090$362,970,711
74$631,792,654$84,529,059$45,410,493$397,934,795
75$696,116,598$88,552,077$46,812,839$436,377,596
76$766,997,840$92,768,477$48,258,417$478,650,062
77$845,105,104$97,187,617$49,748,559$525,138,762
78$931,175,324$101,819,310$51,284,635$576,269,509
79$1,026,020,596$106,673,845$52,868,059$632,511,353
80$1,130,535,846$111,762,012$54,500,288$694,380,987
81$1,245,707,277$117,095,125$56,182,822$762,447,591
82$1,372,621,682$122,685,050$57,917,210$837,338,180
83$1,512,476,703$128,544,227$59,705,046$919,743,491
84$1,666,592,136$134,685,703$61,547,974$1,010,424,472
85$1,836,422,392$141,123,160$63,447,689$1,110,219,431
86$2,023,570,226$147,870,945$65,405,937$1,220,051,916
87$2,229,801,871$154,944,103$67,424,517$1,340,939,399
88$2,457,063,709$162,358,412$69,505,286$1,474,002,836
89$2,707,500,649$170,130,416$71,650,155$1,620,477,218
90$2,983,476,375$178,277,466$73,861,095$1,781,723,179
91$3,287,595,661$186,817,757$76,140,138$1,959,239,804
92$3,622,728,962$195,770,371$78,489,376$2,154,678,730
93$3,992,039,514$205,155,317$80,910,968$2,369,859,692
94$4,399,013,196$214,993,580$83,407,137$2,606,787,650
95$4,847,491,442$225,307,165$85,980,176$2,867,671,666
96$5,341,707,505$236,119,151$88,632,447$3,154,945,702
97$5,886,326,422$247,453,741$91,366,386$3,471,291,537
98$6,486,489,058$259,336,315$94,184,501$3,819,664,029
99$7,147,860,639$271,793,492$97,089,379$4,203,318,942
100$7,876,684,237$284,853,186$100,083,685$4,625,843,617