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%11.9%
1 years$1,230,428$1,219,468$1,208,775$1,198,338$1,188,147$1,178,684
2 years$609,123$597,778$586,784$576,124$565,784$556,245
3 years$402,048$390,655$379,688$369,128$358,957$349,637
4 years$298,531$287,173$276,316$265,936$256,011$246,983
5 years$236,437$225,147$214,432$204,264$194,615$185,905
6 years$195,055$183,849$173,293$163,352$153,993$145,611
7 years$165,507$154,396$144,007$134,301$125,237$117,189
8 years$143,357$132,346$122,130$112,661$103,896$96,181
9 years$126,138$115,231$105,190$95,963$87,496$80,110
10 years$112,371$101,571$91,707$82,721$74,551$67,492
11 years$101,114$90,422$80,738$71,992$64,116$57,378
12 years$91,740$81,158$71,653$63,146$55,562$49,139
13 years$83,815$73,343$64,017$55,749$48,451$42,336
14 years$77,027$66,667$57,519$49,488$42,472$36,657
15 years$71,150$60,902$51,932$44,134$37,395$31,873
16 years$66,013$55,876$47,084$39,517$33,050$27,811
17 years$61,484$51,460$42,845$35,506$29,305$24,340
18 years$57,464$47,551$39,112$31,998$26,056$21,358
19 years$53,870$44,070$35,805$28,913$23,225$18,782
20 years$50,640$40,952$32,860$26,186$20,745$16,549
21 years$47,722$38,145$30,225$23,766$18,564$14,606
22 years$45,072$35,607$27,857$21,609$16,640$12,910
23 years$42,657$33,303$25,721$19,679$14,937$11,425
24 years$40,446$31,202$23,787$17,949$13,426$10,122
25 years$38,415$29,282$22,032$16,392$12,081$8,977
26 years$36,543$27,520$20,434$14,988$10,882$7,968
27 years$34,813$25,900$18,974$13,719$9,811$7,078
28 years$33,209$24,405$17,639$12,569$8,853$6,292
29 years$31,718$23,023$16,415$11,526$7,994$5,596
30 years$30,330$21,743$15,290$10,578$7,223$4,980
31 years$29,034$20,555$14,254$9,715$6,530$4,433
32 years$27,821$19,449$13,299$8,929$5,907$3,949
33 years$26,684$18,418$12,418$8,211$5,346$3,518
34 years$25,616$17,456$11,602$7,554$4,840$3,136
35 years$24,611$16,557$10,847$6,954$4,384$2,796
36 years$23,665$15,715$10,147$6,405$3,972$2,493
37 years$22,771$14,926$9,498$5,901$3,600$2,224
38 years$21,927$14,185$8,894$5,439$3,264$1,984
39 years$21,128$13,488$8,333$5,015$2,960$1,770
40 years$20,371$12,833$7,811$4,626$2,685$1,580
41 years$19,652$12,216$7,324$4,268$2,435$1,410
42 years$18,970$11,634$6,870$3,939$2,210$1,259
43 years$18,321$11,085$6,447$3,636$2,006$1,124
44 years$17,703$10,566$6,051$3,357$1,821$1,003
45 years$17,115$10,076$5,682$3,100$1,653$896
46 years$16,553$9,612$5,337$2,864$1,501$800
47 years$16,018$9,173$5,014$2,646$1,363$715
48 years$15,506$8,757$4,711$2,445$1,237$638
49 years$15,016$8,362$4,428$2,260$1,124$570
50 years$14,548$7,988$4,163$2,089$1,021$509

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 $5,812 every year, while hoping to spend $55,051 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: 71/9/20 Blend
34$14,900,000$14,900,000$14,900,000$14,900,000
35$16,425,795$15,636,095$15,405,145$17,511,817
36$18,042,652$16,343,690$15,862,644$18,943,641
37$19,822,584$17,084,112$16,333,623$20,503,704
38$21,782,165$17,858,911$16,818,478$22,210,447
39$23,939,661$18,669,713$17,317,611$24,078,397
40$26,315,196$19,518,218$17,831,441$26,123,549
41$28,930,947$20,406,212$18,360,395$28,363,509
42$31,811,350$21,335,563$18,904,915$30,817,666
43$34,983,332$22,308,229$19,465,454$33,507,367
44$38,476,563$23,326,264$20,042,478$36,456,116
45$42,323,740$24,391,818$20,636,468$39,689,798
46$46,560,889$25,507,145$21,247,917$43,236,916
47$51,227,711$26,674,606$21,877,334$47,128,862
48$56,367,954$27,896,679$22,525,241$51,400,206
49$62,029,825$29,175,956$23,192,176$56,089,023
50$68,266,446$30,515,156$23,878,693$61,237,247
51$75,136,353$31,917,128$24,585,359$66,891,066
52$82,704,053$33,384,859$25,312,760$73,101,354
53$91,040,628$34,921,479$26,061,499$79,924,146
54$100,224,407$36,530,267$26,832,195$87,421,168
55$110,341,708$38,214,661$27,625,484$95,660,413
56$121,487,647$39,978,264$28,442,023$104,716,776
57$133,767,041$41,824,853$29,282,484$114,672,766
58$147,295,394$43,758,386$30,147,563$125,619,273
59$162,199,989$45,783,012$31,037,971$137,656,423
60$178,621,087$47,903,078$31,954,442$150,894,523
61$196,713,254$50,123,145$32,897,731$165,455,095
62$216,646,815$52,447,988$33,868,615$181,472,016
63$238,609,466$54,882,616$34,867,890$199,092,783
64$262,808,046$57,432,278$35,896,378$218,479,893
65$289,470,483$60,102,477$36,954,924$239,812,380
66$318,847,954$62,898,979$38,044,395$263,287,491
67$351,217,249$65,827,832$39,165,685$289,122,549
68$386,883,385$68,895,374$40,319,713$317,556,995
69$426,182,490$72,108,247$41,507,423$348,854,644
70$469,484,970$75,473,416$42,729,787$383,306,166
71$517,199,006$78,998,182$43,987,804$421,231,830
72$569,774,410$82,690,199$45,282,501$462,984,512
73$627,706,871$86,557,490$46,614,936$508,953,023
74$691,542,629$90,608,465$47,986,194$559,565,775
75$761,883,640$94,851,942$49,397,394$615,294,811
76$839,393,249$99,297,165$50,849,684$676,660,257
77$924,802,458$103,953,824$52,344,247$744,235,225
78$1,018,916,827$108,832,079$53,882,297$818,651,210
79$1,122,624,073$113,942,581$55,465,084$900,604,046
80$1,236,902,457$119,296,496$57,093,893$990,860,462
81$1,362,830,015$124,905,531$58,770,045$1,090,265,314
82$1,501,594,733$130,781,959$60,494,899$1,199,749,548
83$1,654,505,769$136,938,648$62,269,850$1,320,338,978
84$1,823,005,804$143,389,088$64,096,337$1,453,163,958
85$2,008,684,666$150,147,424$65,975,835$1,599,470,043
86$2,213,294,339$157,228,485$67,909,862$1,760,629,735
87$2,438,765,500$164,647,819$69,899,981$1,938,155,423
88$2,687,225,746$172,421,726$71,947,795$2,133,713,656
89$2,961,019,681$180,567,300$74,054,955$2,349,140,854
90$3,262,731,050$189,102,459$76,223,158$2,586,460,633
91$3,595,207,130$198,045,994$78,454,147$2,847,902,895
92$3,961,585,613$207,417,602$80,749,716$3,135,924,863
93$4,365,324,222$217,237,942$83,111,709$3,453,234,264
94$4,810,233,362$227,528,670$85,542,020$3,802,814,868
95$5,300,512,084$238,312,494$88,042,597$4,187,954,648
96$5,840,787,737$249,613,226$90,615,444$4,612,276,794
97$6,436,159,643$261,455,832$93,262,618$5,079,773,903
98$7,092,247,248$273,866,489$95,986,238$5,594,845,651
99$7,815,243,168$286,872,647$98,788,477$6,162,340,307
100$8,611,971,652$300,503,088$101,671,572$6,787,600,481