Can I retire at age 35 with 15,000,000?

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 $15,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,170,535
2 years$613,211$601,790$590,722$579,991$569,581$543,929
3 years$404,746$393,277$382,236$371,606$361,366$336,447
4 years$300,535$289,100$278,170$267,721$257,729$233,736
5 years$238,024$226,658$215,871$205,635$195,922$172,923
6 years$196,364$185,083$174,456$164,448$155,026$133,045
7 years$166,618$155,433$144,974$135,202$126,078$105,119
8 years$144,319$133,234$122,949$113,418$104,594$84,650
9 years$126,984$116,005$105,896$96,607$88,083$69,141
10 years$113,125$102,252$92,323$83,276$75,051$57,091
11 years$101,793$91,029$81,280$72,475$64,546$47,545
12 years$92,356$81,703$72,133$63,570$55,935$39,866
13 years$84,377$73,836$64,446$56,123$48,776$33,612
14 years$77,544$67,114$57,905$49,820$42,757$28,468
15 years$71,628$61,310$52,281$44,430$37,646$24,201
16 years$66,456$56,251$47,400$39,783$33,272$20,637
17 years$61,897$51,805$43,132$35,744$29,501$17,644
18 years$57,849$47,870$39,374$32,213$26,231$15,118
19 years$54,232$44,366$36,045$29,107$23,380$12,978
20 years$50,980$41,227$33,081$26,362$20,884$11,158
21 years$48,042$38,401$30,428$23,925$18,689$9,606
22 years$45,375$35,846$28,044$21,754$16,752$8,280
23 years$42,943$33,526$25,894$19,811$15,037$7,144
24 years$40,717$31,412$23,947$18,069$13,516$6,168
25 years$38,672$29,478$22,180$16,502$12,162$5,330
26 years$36,788$27,705$20,571$15,088$10,955$4,609
27 years$35,046$26,074$19,102$13,811$9,877$3,987
28 years$33,432$24,569$17,757$12,654$8,912$3,451
29 years$31,931$23,178$16,525$11,604$8,048$2,988
30 years$30,534$21,889$15,392$10,649$7,272$2,588
31 years$29,228$20,693$14,350$9,780$6,574$2,242
32 years$28,007$19,579$13,389$8,989$5,947$1,943
33 years$26,863$18,542$12,501$8,266$5,382$1,684
34 years$25,788$17,574$11,680$7,605$4,873$1,460
35 years$24,776$16,668$10,920$7,001$4,413$1,266
36 years$23,823$15,821$10,216$6,448$3,999$1,098
37 years$22,924$15,026$9,562$5,941$3,624$952
38 years$22,074$14,280$8,954$5,476$3,286$826
39 years$21,270$13,579$8,389$5,049$2,980$717
40 years$20,507$12,919$7,863$4,657$2,703$622
41 years$19,784$12,298$7,373$4,297$2,452$539
42 years$19,097$11,712$6,916$3,965$2,225$468
43 years$18,444$11,159$6,490$3,660$2,019$406
44 years$17,822$10,637$6,092$3,380$1,833$353
45 years$17,230$10,143$5,720$3,121$1,664$306
46 years$16,665$9,676$5,372$2,883$1,511$265
47 years$16,125$9,234$5,047$2,664$1,372$230
48 years$15,610$8,815$4,743$2,461$1,246$200
49 years$15,117$8,418$4,458$2,275$1,131$174
50 years$14,645$8,041$4,191$2,103$1,028$151

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $15,000,000, adding $4,032 every year, while hoping to spend $50,875 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: 41/44/15 Blend
34$15,000,000$15,000,000$15,000,000$15,000,000
35$16,534,159$15,739,159$15,506,659$17,138,665
36$18,166,513$16,456,247$15,972,001$18,283,302
37$19,963,661$17,206,768$16,451,228$19,516,108
38$21,942,360$17,992,305$16,944,749$20,849,325
39$24,121,072$18,814,519$17,452,990$22,292,126
40$26,520,141$19,675,150$17,976,385$23,854,573
41$29,161,985$20,576,022$18,515,383$25,547,708
42$32,071,306$21,519,045$19,070,447$27,383,644
43$35,275,324$22,506,223$19,642,051$29,375,679
44$38,804,033$23,539,654$20,230,686$31,538,409
45$42,690,485$24,621,538$20,836,855$33,887,860
46$46,971,101$25,754,180$21,461,076$36,441,635
47$51,686,015$26,939,996$22,103,884$39,219,063
48$56,879,451$28,181,519$22,765,827$42,241,380
49$62,600,145$29,481,403$23,447,471$45,531,919
50$68,901,797$30,842,429$24,149,399$49,116,318
51$75,843,585$32,267,513$24,872,209$53,022,752
52$83,490,721$33,759,711$25,616,518$57,282,192
53$91,915,064$35,322,226$26,382,961$61,928,683
54$101,195,801$36,958,416$27,172,190$66,999,653
55$111,420,193$38,671,799$27,984,879$72,536,258
56$122,684,399$40,466,064$28,821,719$78,583,754
57$135,094,384$42,345,077$29,683,423$85,191,913
58$148,766,917$44,312,892$30,570,724$92,415,479
59$163,830,675$46,373,756$31,484,375$100,314,668
60$180,427,457$48,532,122$32,425,154$108,955,724
61$198,713,520$50,792,660$33,393,860$118,411,526
62$218,861,060$53,160,261$34,391,315$128,762,261
63$241,059,830$55,640,055$35,418,366$140,096,163
64$265,518,936$58,237,420$36,475,884$152,510,327
65$292,468,806$60,957,993$37,564,765$166,111,607
66$322,163,372$63,807,682$38,685,932$181,017,604
67$354,882,460$66,792,683$39,840,335$197,357,756
68$390,934,435$69,919,489$41,028,951$215,274,539
69$430,659,112$73,194,908$42,252,785$234,924,784
70$474,430,961$76,626,078$43,512,873$256,481,141
71$522,662,644$80,220,481$44,810,279$280,133,678
72$575,808,910$83,985,961$46,146,100$306,091,650
73$634,370,887$87,930,741$47,521,463$334,585,447
74$698,900,815$92,063,445$48,937,529$365,868,743
75$770,007,254$96,393,109$50,395,492$400,220,854
76$848,360,834$100,929,212$51,896,581$437,949,349
77$934,700,584$105,681,688$53,442,061$479,392,919
78$1,029,840,907$110,660,955$55,033,234$524,924,538
79$1,134,679,270$115,877,932$56,671,438$574,954,947
80$1,250,204,676$121,344,071$58,358,052$629,936,497
81$1,377,506,999$127,071,377$60,094,493$690,367,376
82$1,517,787,275$133,072,436$61,882,220$756,796,272
83$1,672,369,037$139,360,446$63,722,735$829,827,510
84$1,842,710,815$145,949,243$65,617,582$910,126,707
85$2,030,419,898$152,853,336$67,568,351$998,427,012
86$2,237,267,513$160,087,935$69,576,676$1,095,535,977
87$2,465,205,546$167,668,991$71,644,242$1,202,343,126
88$2,716,384,966$175,613,226$73,772,778$1,319,828,296
89$2,993,176,133$183,938,174$75,964,067$1,449,070,834
90$3,298,191,176$192,662,222$78,219,941$1,591,259,723
91$3,634,308,653$201,804,648$80,542,285$1,747,704,743
92$4,004,700,724$211,385,664$82,933,040$1,919,848,771
93$4,412,863,103$221,426,467$85,394,202$2,109,281,334
94$4,862,648,056$231,949,280$87,927,825$2,317,753,540
95$5,358,300,772$242,977,409$90,536,020$2,547,194,533
96$5,904,499,436$254,535,288$93,220,963$2,799,729,628
97$6,506,399,402$266,648,540$95,984,889$3,077,700,291
98$7,169,681,857$279,344,035$98,830,098$3,383,686,154
99$7,900,607,458$292,649,944$101,758,958$3,720,529,279
100$8,706,075,439$306,595,812$104,773,904$4,091,360,892