Can I retire at age 35 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,053,912
2 years$551,890$541,611$531,650$521,992$512,623$489,964
3 years$364,272$353,949$344,013$334,445$325,229$303,214
4 years$270,481$260,190$250,353$240,949$231,956$210,755
5 years$214,222$203,992$194,284$185,072$176,329$156,002
6 years$176,727$166,575$157,011$148,003$139,524$120,092
7 years$149,956$139,889$130,477$121,682$113,470$94,938
8 years$129,887$119,911$110,654$102,076$94,134$76,496
9 years$114,286$104,404$95,307$86,946$79,275$62,518
10 years$101,812$92,027$83,091$74,948$67,546$51,654
11 years$91,613$81,926$73,152$65,227$58,092$43,045
12 years$83,120$73,533$64,920$57,213$50,341$36,116
13 years$75,940$66,452$58,002$50,511$43,898$30,471
14 years$69,790$60,403$52,115$44,838$38,481$25,825
15 years$64,465$55,179$47,053$39,987$33,882$21,969
16 years$59,810$50,626$42,660$35,804$29,945$18,747
17 years$55,707$46,625$38,819$32,170$26,551$16,040
18 years$52,064$43,083$35,437$28,992$23,608$13,754
19 years$48,809$39,929$32,441$26,196$21,042$11,816
20 years$45,882$37,104$29,772$23,726$18,795$10,166
21 years$43,238$34,561$27,385$21,533$16,820$8,759
22 years$40,837$32,261$25,239$19,578$15,077$7,556
23 years$38,649$30,173$23,304$17,830$13,534$6,524
24 years$36,645$28,271$21,552$16,262$12,164$5,638
25 years$34,805$26,531$19,962$14,852$10,946$4,875
26 years$33,109$24,934$18,514$13,580$9,860$4,219
27 years$31,542$23,466$17,192$12,430$8,889$3,653
28 years$30,089$22,112$15,982$11,388$8,021$3,164
29 years$28,738$20,860$14,872$10,443$7,243$2,742
30 years$27,480$19,700$13,853$9,584$6,544$2,377
31 years$26,306$18,623$12,915$8,802$5,917$2,061
32 years$25,207$17,621$12,050$8,090$5,352$1,787
33 years$24,177$16,688$11,251$7,439$4,844$1,551
34 years$23,209$15,816$10,512$6,845$4,385$1,345
35 years$22,299$15,001$9,828$6,301$3,972$1,168
36 years$21,441$14,239$9,194$5,803$3,599$1,014
37 years$20,632$13,523$8,605$5,347$3,262$880
38 years$19,867$12,852$8,059$4,928$2,957$764
39 years$19,143$12,221$7,550$4,544$2,682$663
40 years$18,457$11,627$7,077$4,191$2,432$576
41 years$17,806$11,068$6,636$3,867$2,207$500
42 years$17,187$10,541$6,224$3,569$2,002$434
43 years$16,600$10,043$5,841$3,294$1,817$377
44 years$16,040$9,573$5,483$3,042$1,649$328
45 years$15,507$9,129$5,148$2,809$1,497$285
46 years$14,998$8,709$4,835$2,595$1,360$247
47 years$14,513$8,311$4,543$2,397$1,235$215
48 years$14,049$7,934$4,269$2,215$1,121$186
49 years$13,605$7,576$4,012$2,047$1,018$162
50 years$13,181$7,237$3,772$1,892$925$141

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,500,000, adding $3,173 every year, while hoping to spend $29,242 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: 72/20/8 Blend
34$13,500,000$13,500,000$13,500,000$13,500,000
35$14,880,273$14,164,773$13,955,523$15,931,935
36$16,366,948$14,827,734$14,391,920$17,289,647
37$18,004,283$15,522,199$14,841,956$18,771,766
38$19,807,615$16,249,683$15,306,057$20,393,687
39$21,793,845$17,011,770$15,784,663$22,169,188
40$23,981,595$17,810,124$16,278,226$24,113,431
41$26,391,385$18,646,488$16,787,215$26,243,102
42$29,045,830$19,522,689$17,312,110$28,576,569
43$31,969,847$20,440,644$17,853,408$31,134,044
44$35,190,897$21,402,361$18,411,623$33,937,779
45$38,739,237$22,409,945$18,987,281$37,012,269
46$42,648,213$23,465,606$19,580,928$40,384,479
47$46,954,568$24,571,658$20,193,126$44,084,094
48$51,698,792$25,730,527$20,824,455$48,143,799
49$56,925,505$26,944,760$21,475,510$52,599,579
50$62,683,877$28,217,023$22,146,910$57,491,060
51$69,028,089$29,550,114$22,839,288$62,861,870
52$76,017,850$30,946,965$23,553,300$68,760,054
53$83,718,957$32,410,653$24,289,622$75,238,519
54$92,203,917$33,944,401$25,048,951$82,355,530
55$101,552,629$35,551,590$25,832,004$90,175,251
56$111,853,144$37,235,764$26,639,522$98,768,348
57$123,202,489$39,000,641$27,472,270$108,212,652
58$135,707,587$40,850,116$28,331,035$118,593,881
59$149,486,266$42,788,277$29,216,630$130,006,450
60$164,668,370$44,819,408$30,129,893$142,554,350
61$181,396,986$46,948,001$31,071,686$156,352,127
62$199,829,793$49,178,767$32,042,902$171,525,950
63$220,140,550$51,516,646$33,044,458$188,214,802
64$242,520,741$53,966,816$34,077,302$206,571,777
65$267,181,376$56,534,709$35,142,410$226,765,518
66$294,354,986$59,226,019$36,240,791$248,981,806
67$324,297,819$62,046,719$37,373,482$273,425,295
68$357,292,258$65,003,070$38,541,555$300,321,441
69$393,649,486$68,101,638$39,746,115$329,918,620
70$433,712,424$71,349,308$40,988,300$362,490,457
71$477,858,968$74,753,301$42,269,285$398,338,402
72$526,505,558$78,321,188$43,590,281$437,794,564
73$580,111,107$82,060,908$44,952,537$481,224,832
74$639,181,334$85,980,787$46,357,341$529,032,318
75$704,273,539$90,089,555$47,806,021$581,661,148
76$776,001,864$94,396,367$49,299,947$639,600,639
77$855,043,090$98,910,824$50,840,531$703,389,909
78$942,143,025$103,642,995$52,429,229$773,622,945
79$1,038,123,548$108,603,436$54,067,543$850,954,198
80$1,143,890,366$113,803,220$55,757,021$936,104,741
81$1,260,441,562$119,253,957$57,499,261$1,029,869,066
82$1,388,877,024$124,967,824$59,295,908$1,133,122,554
83$1,530,408,821$130,957,588$61,148,662$1,246,829,732
84$1,686,372,651$137,236,640$63,059,272$1,372,053,350
85$1,858,240,449$143,819,022$65,029,545$1,509,964,394
86$2,047,634,282$150,719,462$67,061,343$1,661,853,124
87$2,256,341,666$157,953,403$69,156,585$1,829,141,223
88$2,486,332,437$165,537,040$71,317,251$2,013,395,200
89$2,739,777,349$173,487,359$73,545,383$2,216,341,153
90$3,019,068,572$181,822,173$75,843,086$2,439,881,034
91$3,326,842,268$190,560,161$78,212,531$2,686,110,581
92$3,666,003,485$199,720,914$80,655,956$2,957,339,069
93$4,039,753,580$209,324,979$83,175,671$3,256,111,085
94$4,451,620,444$219,393,901$85,774,054$3,585,230,517
95$4,905,491,806$229,950,279$88,453,562$3,947,786,989
96$5,405,651,938$241,017,811$91,216,724$4,347,184,996
97$5,956,822,102$252,621,351$94,066,151$4,787,176,006
98$6,564,205,124$264,786,964$97,004,535$5,271,893,840
99$7,233,534,510$277,541,989$100,034,650$5,805,893,658
100$7,971,128,578$290,915,094$103,159,359$6,394,194,918