Can I retire at age 35 with 14,900,000?

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 $14,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$1,230,428$1,219,468$1,208,775$1,198,338$1,188,147$1,154,743
2 years$609,123$597,778$586,784$576,124$565,784$532,385
3 years$402,048$390,655$379,688$369,128$358,957$326,608
4 years$298,531$287,173$276,316$265,936$256,011$224,961
5 years$236,437$225,147$214,432$204,264$194,615$164,950
6 years$195,055$183,849$173,293$163,352$153,993$125,739
7 years$165,507$154,396$144,007$134,301$125,237$98,396
8 years$143,357$132,346$122,130$112,661$103,896$78,452
9 years$126,138$115,231$105,190$95,963$87,496$63,425
10 years$112,371$101,571$91,707$82,721$74,551$51,821
11 years$101,114$90,422$80,738$71,992$64,116$42,690
12 years$91,740$81,158$71,653$63,146$55,562$35,399
13 years$83,815$73,343$64,017$55,749$48,451$29,508
14 years$77,027$66,667$57,519$49,488$42,472$24,702
15 years$71,150$60,902$51,932$44,134$37,395$20,751
16 years$66,013$55,876$47,084$39,517$33,050$17,482
17 years$61,484$51,460$42,845$35,506$29,305$14,764
18 years$57,464$47,551$39,112$31,998$26,056$12,493
19 years$53,870$44,070$35,805$28,913$23,225$10,589
20 years$50,640$40,952$32,860$26,186$20,745$8,987
21 years$47,722$38,145$30,225$23,766$18,564$7,637
22 years$45,072$35,607$27,857$21,609$16,640$6,496
23 years$42,657$33,303$25,721$19,679$14,937$5,531
24 years$40,446$31,202$23,787$17,949$13,426$4,712
25 years$38,415$29,282$22,032$16,392$12,081$4,017
26 years$36,543$27,520$20,434$14,988$10,882$3,426
27 years$34,813$25,900$18,974$13,719$9,811$2,923
28 years$33,209$24,405$17,639$12,569$8,853$2,495
29 years$31,718$23,023$16,415$11,526$7,994$2,130
30 years$30,330$21,743$15,290$10,578$7,223$1,820
31 years$29,034$20,555$14,254$9,715$6,530$1,554
32 years$27,821$19,449$13,299$8,929$5,907$1,328
33 years$26,684$18,418$12,418$8,211$5,346$1,135
34 years$25,616$17,456$11,602$7,554$4,840$970
35 years$24,611$16,557$10,847$6,954$4,384$829
36 years$23,665$15,715$10,147$6,405$3,972$709
37 years$22,771$14,926$9,498$5,901$3,600$606
38 years$21,927$14,185$8,894$5,439$3,264$518
39 years$21,128$13,488$8,333$5,015$2,960$443
40 years$20,371$12,833$7,811$4,626$2,685$379
41 years$19,652$12,216$7,324$4,268$2,435$324
42 years$18,970$11,634$6,870$3,939$2,210$277
43 years$18,321$11,085$6,447$3,636$2,006$237
44 years$17,703$10,566$6,051$3,357$1,821$203
45 years$17,115$10,076$5,682$3,100$1,653$173
46 years$16,553$9,612$5,337$2,864$1,501$148
47 years$16,018$9,173$5,014$2,646$1,363$127
48 years$15,506$8,757$4,711$2,445$1,237$109
49 years$15,016$8,362$4,428$2,260$1,124$93
50 years$14,548$7,988$4,163$2,089$1,021$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $14,900,000, adding $5,167 every year, while hoping to spend $27,316 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: 53/23/24 Blend
34$14,900,000$14,900,000$14,900,000$14,900,000
35$16,425,130$15,635,430$15,404,480$17,186,158
36$18,071,429$16,372,502$15,891,466$18,448,844
37$19,884,735$17,144,775$16,393,850$19,818,929
38$21,882,054$17,953,945$16,912,121$21,309,332
39$24,082,126$18,801,790$17,446,779$22,931,554
40$26,505,600$19,690,175$17,998,343$24,698,232
41$29,175,232$20,621,055$18,567,348$26,623,263
42$32,116,097$21,596,478$19,154,346$28,721,923
43$35,355,828$22,618,594$19,759,906$31,011,010
44$38,924,874$23,689,657$20,384,614$33,508,998
45$42,856,789$24,812,028$21,029,076$36,236,206
46$47,188,550$25,988,185$21,693,918$39,214,981
47$51,960,901$27,220,726$22,379,784$42,469,910
48$57,218,745$28,512,373$23,087,339$46,028,038
49$63,011,560$29,865,983$23,817,268$49,919,124
50$69,393,872$31,284,549$24,570,279$54,175,912
51$76,425,767$32,771,212$25,347,104$58,834,435
52$84,173,458$34,329,264$26,148,494$63,934,346
53$92,709,909$35,962,156$26,975,227$69,519,287
54$102,115,527$37,673,509$27,828,104$75,637,292
55$112,478,918$39,467,118$28,707,953$82,341,233
56$123,897,724$41,346,964$29,615,626$89,689,312
57$136,479,547$43,317,219$30,552,004$97,745,599
58$150,342,959$45,382,262$31,517,995$106,580,629
59$165,618,628$47,546,680$32,514,535$116,272,060
60$182,450,547$49,815,286$33,542,591$126,905,394
61$200,997,395$52,193,127$34,603,159$138,574,772
62$221,434,033$54,685,494$35,697,269$151,383,857
63$243,953,157$57,297,936$36,825,981$165,446,797
64$268,767,117$60,036,273$37,990,389$180,889,292
65$296,109,920$62,906,607$39,191,624$197,849,769
66$326,239,438$65,915,337$40,430,849$216,480,674
67$359,439,845$69,069,173$41,709,267$236,949,899
68$396,024,299$72,375,152$43,028,117$259,442,352
69$436,337,898$75,840,655$44,388,680$284,161,690
70$480,760,936$79,473,419$45,792,273$311,332,220
71$529,712,496$83,281,561$47,240,258$341,201,010
72$583,654,404$87,273,592$48,734,041$374,040,195
73$643,095,591$91,458,435$50,275,069$410,149,533
74$708,596,894$95,845,452$51,864,837$449,859,218
75$780,776,356$100,444,458$53,504,887$493,532,973
76$860,315,054$105,265,745$55,196,811$541,571,467
77$947,963,533$110,320,111$56,942,248$594,416,075
78$1,044,548,892$115,618,875$58,742,892$652,553,024
79$1,150,982,590$121,173,911$60,600,490$716,517,959
80$1,268,269,051$126,997,670$62,516,843$786,900,975
81$1,397,515,148$133,103,209$64,493,811$864,352,163
82$1,539,940,650$139,504,223$66,533,310$949,587,723
83$1,696,889,740$146,215,074$68,637,320$1,043,396,694
84$1,869,843,705$153,250,823$70,807,881$1,146,648,376
85$2,060,434,917$160,627,268$73,047,099$1,260,300,508
86$2,270,462,248$168,360,974$75,357,147$1,385,408,273
87$2,501,908,050$176,469,314$77,740,264$1,523,134,233
88$2,756,956,872$184,970,511$80,198,764$1,674,759,264
89$3,038,016,081$193,883,674$82,735,030$1,841,694,617
90$3,347,738,592$203,228,845$85,351,524$2,025,495,199
91$3,689,047,912$213,027,042$88,050,784$2,227,874,215
92$4,065,165,742$223,300,311$90,835,429$2,450,719,300
93$4,479,642,392$234,071,770$93,708,160$2,696,110,295
94$4,936,390,298$245,365,668$96,671,765$2,966,338,842
95$5,439,720,957$257,207,435$99,729,118$3,263,929,962
96$5,994,385,638$269,623,743$102,883,187$3,591,665,851
97$6,605,620,230$282,642,563$106,137,030$3,952,612,093
98$7,279,194,679$296,293,234$109,493,806$4,350,146,543
99$8,021,467,459$310,606,525$112,956,772$4,787,991,165
100$8,839,445,602$325,614,708$116,529,287$5,270,247,104