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%19.2%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,151,850
2 years$613,211$601,790$590,722$579,991$569,581$525,479
3 years$404,746$393,277$382,236$371,606$361,366$318,819
4 years$300,535$289,100$278,170$267,721$257,729$217,063
5 years$238,024$226,658$215,871$205,635$195,922$157,241
6 years$196,364$185,083$174,456$164,448$155,026$118,359
7 years$166,618$155,433$144,974$135,202$126,078$91,414
8 years$144,319$133,234$122,949$113,418$104,594$71,902
9 years$126,984$116,005$105,896$96,607$88,083$57,319
10 years$113,125$102,252$92,323$83,276$75,051$46,159
11 years$101,793$91,029$81,280$72,475$64,546$37,465
12 years$92,356$81,703$72,133$63,570$55,935$30,595
13 years$84,377$73,836$64,446$56,123$48,776$25,108
14 years$77,544$67,114$57,905$49,820$42,757$20,685
15 years$71,628$61,310$52,281$44,430$37,646$17,096
16 years$66,456$56,251$47,400$39,783$33,272$14,166
17 years$61,897$51,805$43,132$35,744$29,501$11,763
18 years$57,849$47,870$39,374$32,213$26,231$9,784
19 years$54,232$44,366$36,045$29,107$23,380$8,150
20 years$50,980$41,227$33,081$26,362$20,884$6,797
21 years$48,042$38,401$30,428$23,925$18,689$5,674
22 years$45,375$35,846$28,044$21,754$16,752$4,741
23 years$42,943$33,526$25,894$19,811$15,037$3,963
24 years$40,717$31,412$23,947$18,069$13,516$3,315
25 years$38,672$29,478$22,180$16,502$12,162$2,775
26 years$36,788$27,705$20,571$15,088$10,955$2,323
27 years$35,046$26,074$19,102$13,811$9,877$1,946
28 years$33,432$24,569$17,757$12,654$8,912$1,630
29 years$31,931$23,178$16,525$11,604$8,048$1,366
30 years$30,534$21,889$15,392$10,649$7,272$1,145
31 years$29,228$20,693$14,350$9,780$6,574$959
32 years$28,007$19,579$13,389$8,989$5,947$804
33 years$26,863$18,542$12,501$8,266$5,382$674
34 years$25,788$17,574$11,680$7,605$4,873$565
35 years$24,776$16,668$10,920$7,001$4,413$474
36 years$23,823$15,821$10,216$6,448$3,999$398
37 years$22,924$15,026$9,562$5,941$3,624$334
38 years$22,074$14,280$8,954$5,476$3,286$280
39 years$21,270$13,579$8,389$5,049$2,980$235
40 years$20,507$12,919$7,863$4,657$2,703$197
41 years$19,784$12,298$7,373$4,297$2,452$165
42 years$19,097$11,712$6,916$3,965$2,225$138
43 years$18,444$11,159$6,490$3,660$2,019$116
44 years$17,822$10,637$6,092$3,380$1,833$97
45 years$17,230$10,143$5,720$3,121$1,664$82
46 years$16,665$9,676$5,372$2,883$1,511$69
47 years$16,125$9,234$5,047$2,664$1,372$58
48 years$15,610$8,815$4,743$2,461$1,246$48
49 years$15,117$8,418$4,458$2,275$1,131$40
50 years$14,645$8,041$4,191$2,103$1,028$34

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 $2,577 every year, while hoping to spend $46,101 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: 39/37/24 Blend
34$15,000,000$15,000,000$15,000,000$15,000,000
35$16,532,658$15,737,658$15,505,158$17,059,387
36$18,169,938$16,459,752$15,975,530$18,163,405
37$19,972,676$17,215,684$16,460,114$19,351,883
38$21,957,699$18,007,062$16,959,338$20,636,097
39$24,143,550$18,835,575$17,473,642$22,024,779
40$26,550,662$19,702,988$18,003,479$23,527,509
41$29,201,551$20,611,155$18,549,316$25,154,800
42$32,121,026$21,562,019$19,111,635$26,918,187
43$35,336,426$22,557,613$19,690,931$28,830,333
44$38,877,877$23,600,072$20,287,713$30,905,140
45$42,778,577$24,691,632$20,902,507$33,157,874
46$47,075,105$25,834,635$21,535,854$35,605,300
47$51,807,771$27,031,538$22,188,311$38,265,834
48$57,020,997$28,284,916$22,860,452$41,159,709
49$62,763,730$29,597,468$23,552,869$44,309,156
50$69,089,909$30,972,023$24,266,168$47,738,606
51$76,058,973$32,411,545$25,000,979$51,474,912
52$83,736,421$33,919,144$25,757,945$55,547,590
53$92,194,431$35,498,077$26,537,731$59,989,091
54$101,512,541$37,151,761$27,341,022$64,835,093
55$111,778,397$38,883,774$28,168,524$70,124,831
56$123,088,586$40,697,871$29,020,961$75,901,451
57$135,549,540$42,597,986$29,899,082$82,212,411
58$149,278,549$44,588,242$30,803,657$89,109,908
59$164,404,859$46,672,964$31,735,478$96,651,368
60$181,070,900$48,856,685$32,695,361$104,899,963
61$199,433,624$51,144,155$33,684,149$113,925,204
62$219,665,992$53,540,356$34,702,705$123,803,573
63$241,958,600$56,050,511$35,751,923$134,619,232
64$266,521,484$58,680,093$36,832,720$146,464,805
65$293,586,101$61,434,843$37,946,041$159,442,228
66$323,407,510$64,320,777$39,092,860$173,663,698
67$356,266,786$67,344,205$40,274,181$189,252,714
68$392,473,666$70,511,739$41,491,034$206,345,217
69$432,369,480$73,830,314$42,744,483$225,090,858
70$476,330,367$77,307,199$44,035,623$245,654,390
71$524,770,829$80,950,017$45,365,582$268,217,194
72$578,147,643$84,766,757$46,735,518$292,978,974
73$636,964,174$88,765,799$48,146,629$320,159,613
74$701,775,122$92,955,927$49,600,144$350,001,228
75$773,191,767$97,346,349$51,097,331$382,770,422
76$851,887,730$101,946,723$52,639,495$418,760,776
77$938,605,340$106,767,173$54,227,979$458,295,591
78$1,034,162,634$111,818,315$55,864,166$501,730,908
79$1,139,461,089$117,111,279$57,549,482$549,458,836
80$1,255,494,123$122,657,734$59,285,392$601,911,221
81$1,383,356,478$128,469,918$61,073,408$659,563,685
82$1,524,254,555$134,560,660$62,915,083$722,940,082
83$1,679,517,802$140,943,414$64,812,020$792,617,398
84$1,850,611,261$147,632,285$66,765,866$869,231,167
85$2,039,149,407$154,642,064$68,778,320$953,481,417
86$2,246,911,381$161,988,260$70,851,128$1,046,139,243
87$2,475,857,792$169,687,135$72,986,091$1,148,054,032
88$2,728,149,222$177,755,740$75,185,061$1,260,161,438
89$3,006,166,627$186,211,955$77,449,945$1,383,492,163
90$3,312,533,813$195,074,531$79,782,707$1,519,181,629
91$3,650,142,204$204,363,125$82,185,370$1,668,480,646
92$4,022,178,144$214,098,353$84,660,016$1,832,767,158
93$4,432,152,976$224,301,833$87,208,787$2,013,559,194
94$4,883,936,189$234,996,233$89,833,891$2,212,529,128
95$5,381,791,953$246,205,321$92,537,599$2,431,519,406
96$5,930,419,375$257,954,025$95,322,252$2,672,559,864
97$6,534,996,860$270,268,481$98,190,256$2,937,886,820
98$7,201,231,003$283,176,099$101,144,092$3,229,964,109
99$7,935,410,458$296,705,621$104,186,312$3,551,506,258
100$8,744,465,315$310,887,187$107,319,544$3,905,504,031