Can I retire at age 35 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,061,316
2 years$560,066$549,635$539,526$529,725$520,218$489,086
3 years$369,668$359,193$349,109$339,400$330,048$299,900
4 years$274,488$264,045$254,062$244,518$235,393$206,461
5 years$217,395$207,014$197,163$187,814$178,942$151,305
6 years$179,346$169,043$159,337$150,196$141,591$115,275
7 years$152,178$141,962$132,410$123,484$115,151$90,156
8 years$131,811$121,687$112,294$103,588$95,529$71,840
9 years$115,979$105,951$96,719$88,234$80,449$58,044
10 years$103,321$93,390$84,321$76,059$68,547$47,395
11 years$92,971$83,140$74,235$66,194$58,952$39,019
12 years$84,352$74,622$65,882$58,061$51,087$32,334
13 years$77,065$67,437$58,861$51,259$44,549$26,934
14 years$70,824$61,298$52,887$45,502$39,051$22,532
15 years$65,420$55,997$47,750$40,580$34,384$18,915
16 years$60,696$51,376$43,292$36,335$30,388$15,924
17 years$56,533$47,315$39,394$32,647$26,945$13,438
18 years$52,836$43,721$35,962$29,421$23,958$11,362
19 years$49,532$40,521$32,921$26,584$21,354$9,623
20 years$46,562$37,654$30,214$24,077$19,074$8,162
21 years$43,878$35,073$27,791$21,852$17,069$6,930
22 years$41,442$32,739$25,613$19,868$15,300$5,891
23 years$39,221$30,620$23,649$18,094$13,734$5,011
24 years$37,188$28,689$21,872$16,503$12,345$4,266
25 years$35,321$26,924$20,258$15,072$11,108$3,633
26 years$33,600$25,304$18,788$13,781$10,006$3,096
27 years$32,009$23,814$17,446$12,614$9,021$2,640
28 years$30,534$22,440$16,219$11,557$8,140$2,252
29 years$29,164$21,169$15,093$10,598$7,350$1,921
30 years$27,887$19,992$14,058$9,726$6,641$1,639
31 years$26,695$18,899$13,106$8,933$6,004$1,399
32 years$25,580$17,882$12,228$8,210$5,431$1,195
33 years$24,535$16,935$11,418$7,549$4,915$1,020
34 years$23,553$16,051$10,668$6,946$4,450$871
35 years$22,629$15,224$9,974$6,394$4,031$744
36 years$21,759$14,449$9,330$5,889$3,652$636
37 years$20,937$13,724$8,733$5,426$3,310$543
38 years$20,161$13,042$8,178$5,001$3,001$464
39 years$19,426$12,402$7,662$4,611$2,721$396
40 years$18,730$11,800$7,182$4,253$2,468$339
41 years$18,070$11,232$6,734$3,924$2,239$289
42 years$17,442$10,697$6,317$3,622$2,032$247
43 years$16,845$10,192$5,927$3,343$1,844$211
44 years$16,278$9,715$5,564$3,087$1,674$181
45 years$15,736$9,264$5,224$2,851$1,520$154
46 years$15,220$8,838$4,907$2,633$1,380$132
47 years$14,728$8,434$4,610$2,433$1,253$113
48 years$14,257$8,051$4,332$2,248$1,138$96
49 years$13,807$7,689$4,072$2,078$1,033$82
50 years$13,376$7,344$3,828$1,920$939$70

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,700,000, adding $2,084 every year, while hoping to spend $23,415 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: 44/26/30 Blend
34$13,700,000$13,700,000$13,700,000$13,700,000
35$15,099,550$14,373,450$14,161,100$15,632,188
36$16,614,790$15,052,835$14,610,583$16,693,387
37$18,283,801$15,764,726$15,074,339$17,840,659
38$20,122,241$16,510,690$15,552,822$19,083,944
39$22,147,367$17,292,371$16,046,499$20,432,204
40$24,378,194$18,111,493$16,555,853$21,895,278
41$26,835,678$18,969,864$17,081,382$23,483,975
42$29,542,908$19,869,379$17,623,599$25,210,167
43$32,525,331$20,812,024$18,183,036$27,086,899
44$35,810,985$21,799,885$18,760,238$29,128,504
45$39,430,771$22,835,144$19,355,771$31,350,735
46$43,418,737$23,920,094$19,970,218$33,770,909
47$47,812,406$25,057,136$20,604,177$36,408,059
48$52,653,125$26,248,789$21,258,271$39,283,115
49$57,986,459$27,497,695$21,933,138$42,419,088
50$63,862,619$28,806,623$22,629,439$45,841,285
51$70,336,935$30,178,477$23,347,854$49,577,537
52$77,470,382$31,616,301$24,089,087$53,658,459
53$85,330,151$33,123,291$24,853,862$58,117,726
54$93,990,288$34,702,793$25,642,927$62,992,386
55$103,532,387$36,358,319$26,457,055$68,323,201
56$114,046,365$38,093,552$27,297,041$74,155,019
57$125,631,310$39,912,351$28,163,708$80,537,195
58$138,396,414$41,818,767$29,057,902$87,524,041
59$152,462,005$43,817,044$29,980,500$95,175,332
60$167,960,686$45,911,636$30,932,403$103,556,857
61$185,038,580$48,107,210$31,914,542$112,741,032
62$203,856,716$50,408,663$32,927,880$122,807,568
63$224,592,543$52,821,131$33,973,406$133,844,217
64$247,441,612$55,349,995$35,052,145$145,947,582
65$272,619,416$58,000,904$36,165,151$159,224,018
66$300,363,426$60,779,779$37,313,513$173,790,625
67$330,935,336$63,692,828$38,498,356$189,776,333
68$364,623,528$66,746,565$39,720,839$207,323,109
69$401,745,799$69,947,817$40,982,158$226,587,280
70$442,652,357$73,303,747$42,283,547$247,740,992
71$487,729,132$76,821,865$43,626,280$270,973,817
72$537,401,414$80,510,046$45,011,671$296,494,525
73$592,137,871$84,376,552$46,441,075$324,533,039
74$652,454,976$88,430,045$47,915,893$355,342,580
75$718,921,874$92,679,608$49,437,566$389,202,043
76$792,165,766$97,134,769$51,007,585$426,418,604
77$872,877,821$101,805,520$52,627,487$467,330,600
78$961,819,707$106,702,339$54,298,856$512,310,698
79$1,059,830,779$111,836,215$56,023,329$561,769,388
80$1,167,836,002$117,218,673$57,802,593$616,158,834
81$1,286,854,685$122,861,799$59,638,392$675,977,117
82$1,418,010,106$128,778,271$61,532,521$741,772,905
83$1,562,540,112$134,981,380$63,486,835$814,150,607
84$1,721,808,807$141,485,071$65,503,248$893,776,045
85$1,897,319,431$148,303,966$67,583,732$981,382,711
86$2,090,728,551$155,453,399$69,730,326$1,077,778,656
87$2,303,861,703$162,949,454$71,945,131$1,183,854,083
88$2,538,730,618$170,809,000$74,230,315$1,300,589,715
89$2,797,552,227$179,049,726$76,588,116$1,429,066,015
90$3,082,769,579$187,690,188$79,020,843$1,570,473,346
91$3,397,074,912$196,749,843$81,530,877$1,726,123,166
92$3,743,435,068$206,249,100$84,120,676$1,897,460,365
93$4,125,119,503$216,209,365$86,792,777$2,086,076,863
94$4,545,731,154$226,653,085$89,549,797$2,293,726,586
95$5,009,240,451$237,603,805$92,394,434$2,522,341,974
96$5,520,022,805$249,086,220$95,329,476$2,774,052,176
97$6,082,899,914$261,126,227$98,357,796$3,051,203,092
98$6,703,185,283$273,750,991$101,482,360$3,356,379,464
99$7,386,734,392$286,988,999$104,706,229$3,692,429,214
100$8,139,999,973$300,870,133$108,032,561$4,062,490,273