Can I retire at age 69 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%11.3%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,078,553
2 years$555,978$545,623$535,588$525,858$516,421$510,437
3 years$366,970$356,571$346,561$336,922$327,638$321,786
4 years$272,485$262,117$252,208$242,734$233,674$227,999
5 years$215,808$205,503$195,723$186,443$177,636$172,153
6 years$178,036$167,809$158,174$149,100$140,557$135,275
7 years$151,067$140,926$131,443$122,583$114,310$109,232
8 years$130,849$120,799$111,474$102,832$94,832$89,956
9 years$115,133$105,177$96,013$87,590$79,862$75,189
10 years$102,567$92,709$83,706$75,503$68,046$63,573
11 years$92,292$82,533$73,693$65,711$58,522$54,246
12 years$83,736$74,077$65,401$57,637$50,714$46,631
13 years$76,502$66,944$58,431$50,885$44,224$40,330
14 years$70,307$60,850$52,501$45,170$38,766$35,058
15 years$64,942$55,588$47,401$40,284$34,133$30,605
16 years$60,253$51,001$42,976$36,070$30,167$26,814
17 years$56,120$46,970$39,107$32,408$26,748$23,565
18 years$52,450$43,402$35,699$29,206$23,783$20,765
19 years$49,170$40,225$32,681$26,390$21,198$18,340
20 years$46,222$37,379$29,993$23,902$18,935$16,230
21 years$43,558$34,817$27,588$21,692$16,944$14,387
22 years$41,140$32,500$25,426$19,723$15,188$12,774
23 years$38,935$30,397$23,477$17,962$13,634$11,356
24 years$36,917$28,480$21,712$16,383$12,254$10,107
25 years$35,063$26,727$20,110$14,962$11,027$9,005
26 years$33,354$25,119$18,651$13,680$9,933$8,031
27 years$31,775$23,640$17,319$12,522$8,955$7,168
28 years$30,311$22,276$16,100$11,473$8,080$6,402
29 years$28,951$21,015$14,983$10,521$7,296$5,721
30 years$27,684$19,846$13,956$9,655$6,593$5,116
31 years$26,500$18,761$13,010$8,868$5,961$4,577
32 years$25,393$17,752$12,139$8,150$5,392$4,097
33 years$24,356$16,811$11,334$7,494$4,880$3,668
34 years$23,381$15,933$10,590$6,895$4,418$3,286
35 years$22,464$15,113$9,901$6,348$4,001$2,944
36 years$21,600$14,344$9,262$5,846$3,625$2,639
37 years$20,785$13,624$8,669$5,386$3,286$2,366
38 years$20,014$12,947$8,118$4,965$2,979$2,121
39 years$19,284$12,311$7,606$4,578$2,701$1,903
40 years$18,593$11,713$7,129$4,222$2,450$1,707
41 years$17,938$11,150$6,685$3,896$2,223$1,531
42 years$17,315$10,619$6,271$3,595$2,017$1,374
43 years$16,723$10,118$5,884$3,319$1,831$1,233
44 years$16,159$9,644$5,523$3,064$1,662$1,107
45 years$15,622$9,197$5,186$2,830$1,509$993
46 years$15,109$8,773$4,871$2,614$1,370$892
47 years$14,620$8,372$4,576$2,415$1,244$801
48 years$14,153$7,993$4,300$2,232$1,129$719
49 years$13,706$7,632$4,042$2,062$1,026$646
50 years$13,278$7,291$3,800$1,906$932$580

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 69 starting with $13,600,000, adding $3,600 every year, while hoping to spend $38,896 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: 81/6/13 Blend
68$13,600,000$13,600,000$13,600,000$13,600,000
69$14,990,913$14,270,113$14,059,313$16,167,955
70$16,478,602$14,927,964$14,488,915$17,599,075
71$18,116,730$15,616,745$14,931,605$19,164,248
72$19,920,603$16,337,933$15,387,781$20,881,223
73$21,907,084$17,093,071$15,857,851$22,765,205
74$24,094,756$17,883,780$16,342,238$24,832,940
75$26,504,094$18,711,759$16,841,376$27,102,871
76$29,157,662$19,578,785$17,355,713$29,595,310
77$32,080,324$20,486,726$17,885,710$32,332,632
78$35,299,478$21,437,537$18,431,842$35,339,478
79$38,845,315$22,433,266$18,994,598$38,642,993
80$42,751,104$23,476,063$19,574,484$42,273,078
81$47,053,505$24,568,179$20,172,018$46,262,667
82$51,792,918$25,711,975$20,787,736$50,648,042
83$57,013,860$26,909,926$21,422,189$55,469,170
84$62,765,387$28,164,625$22,075,946$60,770,079
85$69,101,557$29,478,792$22,749,590$66,599,273
86$76,081,940$30,855,278$23,443,726$73,010,186
87$83,772,182$32,297,070$24,158,975$80,061,686
88$92,244,619$33,807,301$24,895,975$87,818,625
89$101,578,967$35,389,255$25,655,387$96,352,454
90$111,863,068$37,046,375$26,437,889$105,741,892
91$123,193,723$38,782,270$27,244,181$116,073,666
92$135,677,605$40,600,724$28,074,983$127,443,330
93$149,432,264$42,505,702$28,931,038$139,956,160
94$164,587,237$44,501,364$29,813,110$153,728,149
95$181,285,274$46,592,069$30,721,988$168,887,099
96$199,683,680$48,782,389$31,658,482$185,573,819
97$219,955,803$51,077,113$32,623,429$203,943,460
98$242,292,671$53,481,268$33,617,690$224,166,967
99$266,904,793$56,000,120$34,642,152$246,432,697
100$294,024,147$58,639,191$35,697,729$270,948,188