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%19.1%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,152,307
2 years$613,211$601,790$590,722$579,991$569,581$525,927
3 years$404,746$393,277$382,236$371,606$361,366$319,245
4 years$300,535$289,100$278,170$267,721$257,729$217,462
5 years$238,024$226,658$215,871$205,635$195,922$157,613
6 years$196,364$185,083$174,456$164,448$155,026$118,704
7 years$166,618$155,433$144,974$135,202$126,078$91,733
8 years$144,319$133,234$122,949$113,418$104,594$72,196
9 years$126,984$116,005$105,896$96,607$88,083$57,589
10 years$113,125$102,252$92,323$83,276$75,051$46,406
11 years$101,793$91,029$81,280$72,475$64,546$37,689
12 years$92,356$81,703$72,133$63,570$55,935$30,799
13 years$84,377$73,836$64,446$56,123$48,776$25,293
14 years$77,544$67,114$57,905$49,820$42,757$20,852
15 years$71,628$61,310$52,281$44,430$37,646$17,246
16 years$66,456$56,251$47,400$39,783$33,272$14,301
17 years$61,897$51,805$43,132$35,744$29,501$11,883
18 years$57,849$47,870$39,374$32,213$26,231$9,892
19 years$54,232$44,366$36,045$29,107$23,380$8,246
20 years$50,980$41,227$33,081$26,362$20,884$6,882
21 years$48,042$38,401$30,428$23,925$18,689$5,750
22 years$45,375$35,846$28,044$21,754$16,752$4,808
23 years$42,943$33,526$25,894$19,811$15,037$4,023
24 years$40,717$31,412$23,947$18,069$13,516$3,368
25 years$38,672$29,478$22,180$16,502$12,162$2,821
26 years$36,788$27,705$20,571$15,088$10,955$2,363
27 years$35,046$26,074$19,102$13,811$9,877$1,981
28 years$33,432$24,569$17,757$12,654$8,912$1,661
29 years$31,931$23,178$16,525$11,604$8,048$1,393
30 years$30,534$21,889$15,392$10,649$7,272$1,168
31 years$29,228$20,693$14,350$9,780$6,574$980
32 years$28,007$19,579$13,389$8,989$5,947$822
33 years$26,863$18,542$12,501$8,266$5,382$690
34 years$25,788$17,574$11,680$7,605$4,873$579
35 years$24,776$16,668$10,920$7,001$4,413$486
36 years$23,823$15,821$10,216$6,448$3,999$408
37 years$22,924$15,026$9,562$5,941$3,624$342
38 years$22,074$14,280$8,954$5,476$3,286$287
39 years$21,270$13,579$8,389$5,049$2,980$241
40 years$20,507$12,919$7,863$4,657$2,703$203
41 years$19,784$12,298$7,373$4,297$2,452$170
42 years$19,097$11,712$6,916$3,965$2,225$143
43 years$18,444$11,159$6,490$3,660$2,019$120
44 years$17,822$10,637$6,092$3,380$1,833$101
45 years$17,230$10,143$5,720$3,121$1,664$84
46 years$16,665$9,676$5,372$2,883$1,511$71
47 years$16,125$9,234$5,047$2,664$1,372$60
48 years$15,610$8,815$4,743$2,461$1,246$50
49 years$15,117$8,418$4,458$2,275$1,131$42
50 years$14,645$8,041$4,191$2,103$1,028$35

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 $5,155 every year, while hoping to spend $28,655 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: 76/10/14 Blend
34$15,000,000$15,000,000$15,000,000$15,000,000
35$16,535,317$15,740,317$15,507,817$17,743,181
36$18,191,431$16,481,104$15,996,841$19,281,794
37$20,015,508$17,257,229$16,501,286$20,963,982
38$22,024,650$18,070,394$17,021,639$22,807,356
39$24,237,703$18,922,381$17,558,402$24,827,959
40$26,675,433$19,815,063$18,112,093$27,043,454
41$29,360,724$20,750,398$18,683,245$29,473,290
42$32,318,794$21,730,443$19,272,410$32,138,883
43$35,577,429$22,757,353$19,880,154$35,063,814
44$39,167,253$23,833,389$20,507,065$38,274,051
45$43,122,007$24,960,920$21,153,746$41,798,190
46$47,478,877$26,142,430$21,820,822$45,667,726
47$52,278,838$27,380,525$22,508,935$49,917,343
48$57,567,044$28,677,935$23,218,749$54,585,240
49$63,393,254$30,037,525$23,950,948$59,713,492
50$69,812,299$31,462,298$24,706,239$65,348,438
51$76,884,605$32,955,402$25,485,349$71,541,121
52$84,676,757$34,520,138$26,289,031$78,347,762
53$93,262,131$36,159,970$27,118,058$85,830,292
54$102,721,586$37,878,526$27,973,230$94,056,928
55$113,144,227$39,679,613$28,855,372$103,102,815
56$124,628,245$41,567,221$29,765,335$113,050,734
57$137,281,848$43,545,537$30,703,996$123,991,876
58$151,224,277$45,618,948$31,672,259$136,026,698
59$166,586,933$47,792,057$32,671,060$149,265,870
60$183,514,620$50,069,687$33,701,360$163,831,315
61$202,166,909$52,456,900$34,764,154$179,857,351
62$222,719,647$54,959,001$35,860,466$197,491,957
63$245,366,613$57,581,554$36,991,354$216,898,165
64$270,321,350$60,330,393$38,157,907$238,255,592
65$297,819,182$63,211,637$39,361,251$261,762,130
66$328,119,433$66,231,701$40,602,547$287,635,809
67$361,507,873$69,397,312$41,882,990$316,116,848
68$398,299,423$72,715,527$43,203,817$347,469,917
69$438,841,119$76,193,743$44,566,300$381,986,627
70$483,515,396$79,839,720$45,971,754$419,988,278
71$532,743,693$83,661,592$47,421,534$461,828,884
72$586,990,432$87,667,893$48,917,038$507,898,506
73$646,767,405$91,867,569$50,459,708$558,626,928
74$712,638,605$96,270,003$52,051,032$614,487,702
75$785,225,545$100,885,036$53,692,545$676,002,615
76$865,213,134$105,722,987$55,385,829$743,746,604
77$953,356,137$110,794,676$57,132,517$818,353,169
78$1,050,486,301$116,111,453$58,934,294$900,520,351
79$1,157,520,208$121,685,219$60,792,897$991,017,307
80$1,275,467,929$127,528,455$62,710,120$1,090,691,558
81$1,405,442,559$133,654,250$64,687,810$1,200,476,985
82$1,548,670,724$140,076,332$66,727,875$1,321,402,629
83$1,706,504,161$146,809,096$68,832,282$1,454,602,392
84$1,880,432,484$153,867,640$71,003,062$1,601,325,731
85$2,072,097,239$161,267,796$73,242,306$1,762,949,440
86$2,283,307,410$169,026,171$75,552,176$1,940,990,633
87$2,516,056,490$177,160,177$77,934,898$2,137,121,051
88$2,772,541,306$185,688,080$80,392,771$2,353,182,827
89$3,055,182,755$194,629,031$82,928,165$2,591,205,865
90$3,366,648,662$204,003,120$85,543,525$2,853,426,983
91$3,709,878,966$213,831,413$88,241,373$3,142,311,013
92$4,088,113,473$224,136,005$91,024,312$3,460,574,054
93$4,504,922,446$234,940,068$93,895,025$3,811,209,089
94$4,964,240,308$246,267,904$96,856,281$4,197,514,229
95$5,470,402,789$258,145,001$99,910,935$4,623,123,821
96$6,028,187,857$270,598,089$103,061,935$5,092,042,740
97$6,642,860,827$283,655,204$106,312,319$5,608,684,173
98$7,320,224,071$297,345,749$109,665,221$6,177,911,262
99$8,066,671,797$311,700,561$113,123,877$6,805,082,986
100$8,889,250,413$326,751,982$116,691,620$7,496,104,730