Can I retire at age 35 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,103,006
2 years$576,418$565,683$555,279$545,191$535,407$513,982
3 years$380,462$369,680$359,302$349,309$339,684$318,851
4 years$282,503$271,754$261,480$251,658$242,265$222,184
5 years$223,742$213,058$202,919$193,297$184,166$164,894
6 years$184,582$173,978$163,989$154,581$145,725$127,283
7 years$156,621$146,107$136,275$127,090$118,513$100,906
8 years$135,660$125,240$115,572$106,613$98,318$81,542
9 years$119,365$109,044$99,543$90,810$82,798$66,841
10 years$106,337$96,117$86,783$78,279$70,548$55,396
11 years$95,685$85,567$76,403$68,126$60,674$46,309
12 years$86,815$76,801$67,805$59,756$52,579$38,982
13 years$79,315$69,405$60,580$52,756$45,849$32,998
14 years$72,892$63,088$54,431$46,831$40,191$28,061
15 years$67,330$57,632$49,144$41,765$35,388$23,954
16 years$62,468$52,876$44,556$37,396$31,276$20,514
17 years$58,183$48,697$40,544$33,600$27,731$17,615
18 years$54,378$44,998$37,012$30,280$24,657$15,159
19 years$50,978$41,704$33,883$27,361$21,978$13,071
20 years$47,921$38,753$31,096$24,780$19,631$11,289
21 years$45,160$36,097$28,602$22,490$17,567$9,764
22 years$42,652$33,695$26,361$20,448$15,747$8,455
23 years$40,366$31,514$24,340$18,623$14,135$7,328
24 years$38,274$29,527$22,510$16,985$12,705$6,358
25 years$36,352$27,710$20,849$15,512$11,433$5,520
26 years$34,581$26,043$19,336$14,183$10,298$4,796
27 years$32,943$24,509$17,956$12,982$9,285$4,169
28 years$31,426$23,095$16,692$11,894$8,378$3,626
29 years$30,015$21,787$15,533$10,907$7,565$3,155
30 years$28,702$20,576$14,469$10,010$6,835$2,746
31 years$27,475$19,451$13,489$9,194$6,180$2,391
32 years$26,327$18,405$12,585$8,449$5,590$2,083
33 years$25,251$17,429$11,751$7,770$5,059$1,814
34 years$24,241$16,519$10,979$7,149$4,580$1,581
35 years$23,290$15,668$10,265$6,581$4,149$1,378
36 years$22,394$14,871$9,603$6,061$3,759$1,201
37 years$21,549$14,124$8,988$5,584$3,407$1,047
38 years$20,750$13,423$8,417$5,147$3,089$913
39 years$19,993$12,764$7,886$4,746$2,801$796
40 years$19,277$12,144$7,391$4,377$2,540$694
41 years$18,597$11,560$6,931$4,039$2,305$605
42 years$17,951$11,009$6,501$3,727$2,091$528
43 years$17,337$10,490$6,100$3,441$1,898$461
44 years$16,753$9,999$5,726$3,177$1,723$402
45 years$16,196$9,535$5,377$2,934$1,564$350
46 years$15,665$9,096$5,050$2,710$1,420$306
47 years$15,158$8,680$4,744$2,504$1,289$267
48 years$14,673$8,286$4,458$2,314$1,171$233
49 years$14,210$7,913$4,191$2,138$1,064$203
50 years$13,767$7,559$3,940$1,976$966$177

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $14,100,000, adding $2,515 every year, while hoping to spend $43,957 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: 61/30/9 Blend
34$14,100,000$14,100,000$14,100,000$14,100,000
35$15,540,794$14,793,494$14,574,944$16,457,826
36$17,079,185$15,471,606$15,016,435$17,750,376
37$18,773,019$16,181,471$15,471,242$19,154,822
38$20,638,104$16,924,600$15,939,766$20,686,133
39$22,691,860$17,702,575$16,422,418$22,356,557
40$24,953,483$18,517,054$16,919,622$24,179,558
41$27,444,123$19,369,775$17,431,814$26,169,942
42$30,187,088$20,262,558$17,959,444$28,343,992
43$33,208,061$21,197,314$18,502,976$30,719,617
44$36,535,343$22,176,042$19,062,885$33,316,514
45$40,200,119$23,200,839$19,639,663$36,156,354
46$44,236,755$24,273,904$20,233,815$39,262,975
47$48,683,119$25,397,540$20,845,863$42,662,609
48$53,580,940$26,574,162$21,476,342$46,384,114
49$58,976,201$27,806,301$22,125,804$50,459,251
50$64,919,574$29,096,610$22,794,819$54,922,970
51$71,466,896$30,447,870$23,483,972$59,813,736
52$78,679,699$31,862,996$24,193,865$65,173,885
53$86,625,789$33,345,042$24,925,119$71,050,017
54$95,379,884$34,897,214$25,678,375$77,493,426
55$105,024,321$36,522,867$26,454,290$84,560,580
56$115,649,835$38,225,521$27,253,542$92,313,644
57$127,356,413$40,008,865$28,076,830$100,821,055
58$140,254,236$41,876,768$28,924,872$110,158,165
59$154,464,721$43,833,284$29,798,409$120,407,938
60$170,121,670$45,882,662$30,698,203$131,661,726
61$187,372,526$48,029,358$31,625,039$144,020,119
62$206,379,771$50,278,044$32,579,725$157,593,887
63$227,322,455$52,633,615$33,563,093$172,505,008
64$250,397,889$55,101,206$34,576,000$188,887,814
65$275,823,506$57,686,198$35,619,329$206,890,246
66$303,838,915$60,394,233$36,693,988$226,675,231
67$334,708,160$63,231,226$37,800,912$248,422,216
68$368,722,215$66,203,378$38,941,065$272,328,840
69$406,201,729$69,317,192$40,115,439$298,612,788
70$447,500,054$72,579,482$41,325,054$327,513,830
71$493,006,578$75,997,396$42,570,962$359,296,070
72$543,150,406$79,578,426$43,854,247$394,250,417
73$598,404,405$83,330,426$45,176,021$432,697,320
74$659,289,671$87,261,633$46,537,434$474,989,766
75$726,380,446$91,380,682$47,939,667$521,516,603
76$800,309,541$95,696,625$49,383,936$572,706,181
77$881,774,311$100,218,957$50,871,495$629,030,379
78$971,543,233$104,957,628$52,403,632$691,009,035
79$1,070,463,165$109,923,074$53,981,676$759,214,833
80$1,179,467,340$115,126,236$55,606,994$834,278,680
81$1,299,584,174$120,578,587$57,280,994$916,895,641
82$1,431,946,977$126,292,155$59,005,124$1,007,831,470
83$1,577,804,650$132,279,552$60,780,877$1,107,929,810
84$1,738,533,476$138,554,002$62,609,788$1,218,120,134
85$1,915,650,115$145,129,372$64,493,440$1,339,426,479
86$2,110,825,917$152,020,202$66,433,461$1,472,977,090
87$2,325,902,704$159,241,736$68,431,526$1,620,015,030
88$2,562,910,159$166,809,960$70,489,361$1,781,909,884
89$2,824,084,984$174,741,636$72,608,743$1,960,170,648
90$3,111,892,018$183,054,342$74,791,501$2,156,459,940
91$3,429,047,505$191,766,506$77,039,518$2,372,609,648
92$3,778,544,741$200,897,456$79,354,733$2,610,638,187
93$4,163,682,329$210,467,455$81,739,140$2,872,769,510
94$4,588,095,320$220,497,754$84,194,795$3,161,454,048
95$5,055,789,534$231,010,635$86,723,812$3,479,391,805
96$5,571,179,376$242,029,465$89,328,369$3,829,557,787
97$6,139,129,509$253,578,746$92,010,706$4,215,230,039
98$6,765,000,786$265,684,172$94,773,132$4,640,020,534
99$7,454,700,856$278,372,686$97,618,021$5,107,909,213
100$8,214,739,937$291,672,541$100,547,819$5,623,281,495