Can I retire at age 35 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,061,285
2 years$555,978$545,623$535,588$525,858$516,421$493,162
3 years$366,970$356,571$346,561$336,922$327,638$305,046
4 years$272,485$262,117$252,208$242,734$233,674$211,921
5 years$215,808$205,503$195,723$186,443$177,636$156,783
6 years$178,036$167,809$158,174$149,100$140,557$120,627
7 years$151,067$140,926$131,443$122,583$114,310$95,308
8 years$130,849$120,799$111,474$102,832$94,832$76,749
9 years$115,133$105,177$96,013$87,590$79,862$62,688
10 years$102,567$92,709$83,706$75,503$68,046$51,762
11 years$92,292$82,533$73,693$65,711$58,522$43,107
12 years$83,736$74,077$65,401$57,637$50,714$36,145
13 years$76,502$66,944$58,431$50,885$44,224$30,475
14 years$70,307$60,850$52,501$45,170$38,766$25,811
15 years$64,942$55,588$47,401$40,284$34,133$21,942
16 years$60,253$51,001$42,976$36,070$30,167$18,711
17 years$56,120$46,970$39,107$32,408$26,748$15,997
18 years$52,450$43,402$35,699$29,206$23,783$13,707
19 years$49,170$40,225$32,681$26,390$21,198$11,767
20 years$46,222$37,379$29,993$23,902$18,935$10,117
21 years$43,558$34,817$27,588$21,692$16,944$8,710
22 years$41,140$32,500$25,426$19,723$15,188$7,507
23 years$38,935$30,397$23,477$17,962$13,634$6,477
24 years$36,917$28,480$21,712$16,383$12,254$5,593
25 years$35,063$26,727$20,110$14,962$11,027$4,833
26 years$33,354$25,119$18,651$13,680$9,933$4,178
27 years$31,775$23,640$17,319$12,522$8,955$3,615
28 years$30,311$22,276$16,100$11,473$8,080$3,129
29 years$28,951$21,015$14,983$10,521$7,296$2,709
30 years$27,684$19,846$13,956$9,655$6,593$2,346
31 years$26,500$18,761$13,010$8,868$5,961$2,033
32 years$25,393$17,752$12,139$8,150$5,392$1,762
33 years$24,356$16,811$11,334$7,494$4,880$1,527
34 years$23,381$15,933$10,590$6,895$4,418$1,324
35 years$22,464$15,113$9,901$6,348$4,001$1,148
36 years$21,600$14,344$9,262$5,846$3,625$996
37 years$20,785$13,624$8,669$5,386$3,286$863
38 years$20,014$12,947$8,118$4,965$2,979$749
39 years$19,284$12,311$7,606$4,578$2,701$650
40 years$18,593$11,713$7,129$4,222$2,450$564
41 years$17,938$11,150$6,685$3,896$2,223$489
42 years$17,315$10,619$6,271$3,595$2,017$424
43 years$16,723$10,118$5,884$3,319$1,831$368
44 years$16,159$9,644$5,523$3,064$1,662$320
45 years$15,622$9,197$5,186$2,830$1,509$277
46 years$15,109$8,773$4,871$2,614$1,370$241
47 years$14,620$8,372$4,576$2,415$1,244$209
48 years$14,153$7,993$4,300$2,232$1,129$181
49 years$13,706$7,632$4,042$2,062$1,026$157
50 years$13,278$7,291$3,800$1,906$932$137

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,600,000, adding $3,764 every year, while hoping to spend $53,240 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: 40/36/24 Blend
34$13,600,000$13,600,000$13,600,000$13,600,000
35$14,991,083$14,270,283$14,059,483$15,484,155
36$16,463,526$14,912,879$14,473,828$16,482,676
37$18,084,374$15,585,179$14,900,270$17,556,927
38$19,868,709$16,288,581$15,339,157$18,718,078
39$21,833,146$17,024,551$15,790,849$19,974,098
40$23,995,999$17,794,625$16,255,713$21,333,729
41$26,377,441$18,600,413$16,734,131$22,806,568
42$28,999,708$19,443,601$17,226,491$24,403,148
43$31,887,296$20,325,955$17,733,197$26,135,035
44$35,067,201$21,249,328$18,254,660$28,014,931
45$38,569,170$22,215,659$18,791,305$30,056,786
46$42,425,981$23,226,982$19,343,569$32,275,924
47$46,673,753$24,285,426$19,911,901$34,689,183
48$51,352,288$25,393,224$20,496,762$37,315,066
49$56,505,445$26,552,715$21,098,627$40,173,907
50$62,181,553$27,766,351$21,717,984$43,288,055
51$68,433,869$29,036,701$22,355,334$46,682,083
52$75,321,081$30,366,456$23,011,195$50,383,003
53$82,907,857$31,758,438$23,686,096$54,420,520
54$91,265,462$33,215,605$24,380,583$58,827,298
55$100,472,423$34,741,054$25,095,217$63,639,262
56$110,615,278$36,338,033$25,830,575$68,895,928
57$121,789,386$38,009,947$26,587,249$74,640,762
58$134,099,831$39,760,361$27,365,849$80,921,584
59$147,662,411$41,593,016$28,167,002$87,791,006
60$162,604,732$43,511,829$28,991,352$95,306,916
61$179,067,414$45,520,908$29,839,562$103,533,014
62$197,205,415$47,624,558$30,712,312$112,539,402
63$217,189,496$49,827,289$31,610,303$122,403,227
64$239,207,831$52,133,832$32,534,254$133,209,403
65$263,467,783$54,549,144$33,484,905$145,051,390
66$290,197,864$57,078,419$34,463,016$158,032,068
67$319,649,889$59,727,104$35,469,370$172,264,687
68$352,101,353$62,500,908$36,504,770$187,873,922
69$387,858,053$65,405,815$37,570,041$204,997,035
70$427,256,971$68,448,096$38,666,034$223,785,145
71$470,669,456$71,634,327$39,793,621$244,404,644
72$518,504,732$74,971,400$40,953,698$267,038,742
73$571,213,755$78,466,540$42,147,188$291,889,180
74$629,293,478$82,127,320$43,375,038$319,178,108
75$693,291,534$85,961,680$44,638,223$349,150,165
76$763,811,411$89,977,942$45,937,744$382,074,758
77$841,518,145$94,184,831$47,274,628$418,248,588
78$927,144,602$98,591,495$48,649,935$457,998,417
79$1,021,498,394$103,207,520$50,064,750$501,684,131
80$1,125,469,501$108,042,959$51,520,190$549,702,107
81$1,240,038,676$113,108,351$53,017,403$602,488,927
82$1,366,286,703$118,414,742$54,557,568$660,525,465
83$1,505,404,597$123,973,715$56,141,897$724,341,394
84$1,658,704,851$129,797,412$57,771,635$794,520,157
85$1,827,633,824$135,898,563$59,448,063$871,704,434
86$2,013,785,396$142,290,514$61,172,495$956,602,173
87$2,218,916,015$148,987,259$62,946,283$1,049,993,239
88$2,444,961,280$156,003,465$64,770,814$1,152,736,725
89$2,694,054,210$163,354,515$66,647,516$1,265,779,032
90$2,968,545,386$171,056,533$68,577,854$1,390,162,747
91$3,271,025,138$179,126,425$70,563,335$1,527,036,447
92$3,604,348,000$187,581,918$72,605,505$1,677,665,490
93$3,971,659,661$196,441,597$74,705,954$1,843,443,908
94$4,376,426,658$205,724,947$76,866,315$2,025,907,516
95$4,822,469,107$215,452,399$79,088,266$2,226,748,352
96$5,313,996,764$225,645,374$81,373,531$2,447,830,595
97$5,855,648,770$236,326,333$83,723,880$2,691,208,100
98$6,452,537,447$247,518,826$86,141,133$2,959,143,723
99$7,110,296,563$259,247,545$88,627,157$3,254,130,620
100$7,835,134,518$271,538,380$91,183,872$3,578,915,706