Can I retire at age 35 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,082,930
2 years$568,242$557,659$547,403$537,458$527,812$502,287
3 years$375,065$364,436$354,206$344,355$334,866$310,088
4 years$278,495$267,899$257,771$248,088$238,829$214,989
5 years$220,569$210,036$200,041$190,555$181,554$158,719
6 years$181,964$171,510$161,663$152,389$143,658$121,851
7 years$154,399$144,034$134,343$125,287$116,832$96,058
8 years$133,736$123,464$113,933$105,100$96,923$77,173
9 years$117,672$107,498$98,131$89,522$81,624$62,882
10 years$104,829$94,754$85,552$77,169$69,547$51,795
11 years$94,328$84,354$75,319$67,160$59,813$43,025
12 years$85,583$75,711$66,844$58,908$51,833$35,982
13 years$78,190$68,421$59,720$52,007$45,199$30,257
14 years$71,858$62,193$53,659$46,166$39,621$25,556
15 years$66,375$56,814$48,447$41,172$34,886$21,665
16 years$61,582$52,126$43,924$36,865$30,832$18,423
17 years$57,358$48,006$39,969$33,123$27,338$15,705
18 years$53,607$44,360$36,487$29,851$24,308$13,418
19 years$50,255$41,112$33,402$26,973$21,666$11,484
20 years$47,242$38,203$30,655$24,429$19,352$9,844
21 years$44,519$35,585$28,196$22,171$17,318$8,449
22 years$42,047$33,217$25,987$20,158$15,523$7,260
23 years$39,794$31,067$23,995$18,359$13,935$6,244
24 years$37,731$29,108$22,191$16,744$12,525$5,375
25 years$35,836$27,317$20,553$15,292$11,270$4,629
26 years$34,090$25,673$19,062$13,982$10,152$3,990
27 years$32,476$24,161$17,701$12,798$9,153$3,440
28 years$30,980$22,767$16,455$11,726$8,259$2,968
29 years$29,590$21,478$15,313$10,753$7,457$2,561
30 years$28,294$20,284$14,264$9,868$6,738$2,211
31 years$27,085$19,175$13,297$9,063$6,092$1,909
32 years$25,954$18,144$12,407$8,329$5,511$1,649
33 years$24,893$17,182$11,584$7,660$4,987$1,425
34 years$23,897$16,285$10,824$7,047$4,515$1,231
35 years$22,960$15,446$10,119$6,488$4,090$1,064
36 years$22,076$14,660$9,466$5,975$3,705$920
37 years$21,243$13,924$8,860$5,505$3,358$795
38 years$20,455$13,233$8,297$5,074$3,045$687
39 years$19,710$12,583$7,774$4,679$2,761$594
40 years$19,003$11,972$7,286$4,315$2,504$514
41 years$18,333$11,396$6,832$3,981$2,272$444
42 years$17,697$10,853$6,409$3,674$2,062$384
43 years$17,091$10,341$6,014$3,392$1,871$332
44 years$16,515$9,857$5,645$3,132$1,698$287
45 years$15,966$9,400$5,301$2,892$1,542$248
46 years$15,442$8,967$4,978$2,672$1,400$215
47 years$14,943$8,557$4,677$2,468$1,271$186
48 years$14,465$8,169$4,395$2,281$1,154$161
49 years$14,008$7,801$4,131$2,108$1,048$139
50 years$13,571$7,452$3,884$1,948$952$120

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $13,900,000, adding $2,908 every year, while hoping to spend $59,345 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: 62/10/28 Blend
34$13,900,000$13,900,000$13,900,000$13,900,000
35$15,320,800$14,584,100$14,368,650$16,155,422
36$16,820,379$15,235,578$14,786,857$17,374,483
37$18,470,926$15,916,990$15,217,085$18,698,336
38$20,287,777$16,629,739$15,659,674$20,142,685
39$22,287,830$17,375,296$16,114,973$21,719,329
40$24,489,707$18,155,204$16,583,343$23,441,257
41$26,913,923$18,971,074$17,065,150$25,322,763
42$29,583,086$19,824,600$17,560,776$27,379,581
43$32,522,108$20,717,553$18,070,610$29,629,031
44$35,758,439$21,651,789$18,595,051$32,090,178
45$39,322,327$22,629,254$19,134,512$34,784,012
46$43,247,102$23,651,985$19,689,416$37,733,641
47$47,569,492$24,722,118$20,260,197$40,964,511
48$52,329,968$25,841,889$20,847,302$44,504,635
49$57,573,127$27,013,644$21,451,188$48,384,865
50$63,348,111$28,239,838$22,072,328$52,639,169
51$69,709,073$29,523,045$22,711,206$57,304,958
52$76,715,686$30,865,962$23,368,319$62,423,429
53$84,433,707$32,271,415$24,044,179$68,039,955
54$92,935,596$33,742,365$24,739,310$74,204,506
55$102,301,202$35,281,916$25,454,251$80,972,121
56$112,618,514$36,893,319$26,189,558$88,403,418
57$123,984,493$38,579,982$26,945,799$96,565,169
58$136,505,987$40,345,478$27,723,560$105,530,919
59$150,300,739$42,193,547$28,523,440$115,381,682
60$165,498,496$44,128,113$29,346,057$126,206,697
61$182,242,238$46,153,285$30,192,045$138,104,268
62$200,689,522$48,273,372$31,062,055$151,182,686
63$221,013,975$50,492,889$31,956,755$165,561,246
64$243,406,926$52,816,566$32,876,832$181,371,368
65$268,079,219$55,249,364$33,822,992$198,757,833
66$295,263,196$57,796,480$34,795,959$217,880,143
67$325,214,896$60,463,361$35,796,478$238,914,019
68$358,216,467$63,255,718$36,825,311$262,053,058
69$394,578,832$66,179,534$37,883,245$287,510,549
70$434,644,624$69,241,081$38,971,084$315,521,485
71$478,791,416$72,446,936$40,089,657$346,344,769
72$527,435,293$75,803,988$41,239,812$380,265,654
73$581,034,770$79,319,460$42,422,424$417,598,429
74$640,095,128$83,000,925$43,638,386$458,689,375
75$705,173,179$86,856,318$44,888,620$503,920,027
76$776,882,524$90,893,959$46,174,069$553,710,768
77$855,899,345$95,122,567$47,495,704$608,524,790
78$942,968,789$99,551,282$48,854,521$668,872,453
79$1,038,911,998$104,189,688$50,251,540$735,316,097
80$1,144,633,867$109,047,828$51,687,812$808,475,339
81$1,261,131,582$114,136,232$53,164,414$889,032,914
82$1,389,504,032$119,465,936$54,682,451$977,741,105
83$1,530,962,190$125,048,513$56,243,059$1,075,428,839
84$1,686,840,534$130,896,092$57,847,402$1,183,009,498
85$1,858,609,656$137,021,388$59,496,678$1,301,489,527
86$2,047,890,137$143,437,732$61,192,113$1,431,977,927
87$2,256,467,850$150,159,099$62,934,967$1,575,696,709
88$2,486,310,816$157,200,141$64,726,534$1,733,992,416
89$2,739,587,787$164,576,216$66,568,141$1,908,348,822
90$3,018,688,718$172,303,426$68,461,150$2,100,400,922
91$3,326,247,326$180,398,653$70,406,958$2,311,950,356
92$3,665,165,962$188,879,596$72,407,000$2,544,982,397
93$4,038,643,004$197,764,810$74,462,747$2,801,684,678
94$4,450,203,052$207,073,747$76,575,711$3,084,467,825
95$4,903,730,206$216,826,804$78,747,441$3,395,988,201
96$5,403,504,734$227,045,364$80,979,526$3,739,172,958
97$5,954,243,475$237,751,845$83,273,599$4,117,247,656
98$6,561,144,378$248,969,754$85,631,333$4,533,766,691
99$7,229,935,567$260,723,734$88,054,445$4,992,646,830
100$7,966,929,423$273,039,625$90,544,697$5,498,204,166