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%11.9%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,186,595
2 years$613,211$601,790$590,722$579,991$569,581$559,979
3 years$404,746$393,277$382,236$371,606$361,366$351,984
4 years$300,535$289,100$278,170$267,721$257,729$248,641
5 years$238,024$226,658$215,871$205,635$195,922$187,153
6 years$196,364$185,083$174,456$164,448$155,026$146,589
7 years$166,618$155,433$144,974$135,202$126,078$117,975
8 years$144,319$133,234$122,949$113,418$104,594$96,826
9 years$126,984$116,005$105,896$96,607$88,083$80,648
10 years$113,125$102,252$92,323$83,276$75,051$67,945
11 years$101,793$91,029$81,280$72,475$64,546$57,763
12 years$92,356$81,703$72,133$63,570$55,935$49,469
13 years$84,377$73,836$64,446$56,123$48,776$42,620
14 years$77,544$67,114$57,905$49,820$42,757$36,903
15 years$71,628$61,310$52,281$44,430$37,646$32,087
16 years$66,456$56,251$47,400$39,783$33,272$27,998
17 years$61,897$51,805$43,132$35,744$29,501$24,504
18 years$57,849$47,870$39,374$32,213$26,231$21,501
19 years$54,232$44,366$36,045$29,107$23,380$18,908
20 years$50,980$41,227$33,081$26,362$20,884$16,660
21 years$48,042$38,401$30,428$23,925$18,689$14,704
22 years$45,375$35,846$28,044$21,754$16,752$12,996
23 years$42,943$33,526$25,894$19,811$15,037$11,502
24 years$40,717$31,412$23,947$18,069$13,516$10,190
25 years$38,672$29,478$22,180$16,502$12,162$9,037
26 years$36,788$27,705$20,571$15,088$10,955$8,022
27 years$35,046$26,074$19,102$13,811$9,877$7,126
28 years$33,432$24,569$17,757$12,654$8,912$6,334
29 years$31,931$23,178$16,525$11,604$8,048$5,633
30 years$30,534$21,889$15,392$10,649$7,272$5,013
31 years$29,228$20,693$14,350$9,780$6,574$4,463
32 years$28,007$19,579$13,389$8,989$5,947$3,975
33 years$26,863$18,542$12,501$8,266$5,382$3,542
34 years$25,788$17,574$11,680$7,605$4,873$3,157
35 years$24,776$16,668$10,920$7,001$4,413$2,814
36 years$23,823$15,821$10,216$6,448$3,999$2,510
37 years$22,924$15,026$9,562$5,941$3,624$2,239
38 years$22,074$14,280$8,954$5,476$3,286$1,997
39 years$21,270$13,579$8,389$5,049$2,980$1,782
40 years$20,507$12,919$7,863$4,657$2,703$1,590
41 years$19,784$12,298$7,373$4,297$2,452$1,420
42 years$19,097$11,712$6,916$3,965$2,225$1,267
43 years$18,444$11,159$6,490$3,660$2,019$1,131
44 years$17,822$10,637$6,092$3,380$1,833$1,010
45 years$17,230$10,143$5,720$3,121$1,664$902
46 years$16,665$9,676$5,372$2,883$1,511$806
47 years$16,125$9,234$5,047$2,664$1,372$720
48 years$15,610$8,815$4,743$2,461$1,246$643
49 years$15,117$8,418$4,458$2,275$1,131$574
50 years$14,645$8,041$4,191$2,103$1,028$513

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 $2,223 every year, while hoping to spend $57,306 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: 60/12/28 Blend
34$15,000,000$15,000,000$15,000,000$15,000,000
35$16,532,293$15,737,293$15,504,793$17,398,764
36$18,157,614$16,447,447$15,963,230$18,700,321
37$19,946,797$17,190,478$16,435,105$20,113,559
38$21,916,495$17,967,937$16,920,806$21,654,493
39$24,085,059$18,781,447$17,420,734$23,335,578
40$26,472,708$19,632,712$17,935,303$25,170,516
41$29,101,724$20,523,514$18,464,934$27,174,387
42$31,996,656$21,455,722$19,010,066$29,363,784
43$35,184,558$22,431,296$19,571,146$31,756,972
44$38,695,239$23,452,286$20,148,636$34,374,053
45$42,561,549$24,520,843$20,743,011$37,237,155
46$46,819,683$25,639,220$21,354,758$40,370,636
47$51,509,528$26,809,779$21,984,379$43,801,312
48$56,675,035$28,034,994$22,632,391$47,558,703
49$62,364,637$29,317,457$23,299,325$51,675,315
50$68,631,705$30,659,887$23,985,727$56,186,936
51$75,535,048$32,065,131$24,692,158$61,132,973
52$83,139,474$33,536,173$25,419,196$66,556,818
53$91,516,397$35,076,142$26,167,436$72,506,257
54$100,744,511$36,688,315$26,937,487$79,033,913
55$110,910,537$38,376,129$27,729,979$86,197,740
56$122,110,036$40,143,182$28,545,557$94,061,561
57$134,448,311$41,993,250$29,384,885$102,695,674
58$148,041,407$43,930,288$30,248,647$112,177,500
59$163,017,199$45,958,440$31,137,545$122,592,317
60$179,516,602$48,082,053$32,052,301$134,034,055
61$197,694,901$50,305,679$32,993,659$146,606,175
62$217,723,216$52,634,092$33,962,382$160,422,646
63$239,790,118$55,072,296$34,959,255$175,609,007
64$264,103,406$57,625,535$35,985,086$192,303,549
65$290,892,073$60,299,305$37,040,706$210,658,614
66$320,408,462$63,099,369$38,126,967$230,842,026
67$352,930,653$66,031,766$39,244,748$253,038,665
68$388,765,084$69,102,827$40,394,952$277,452,206
69$428,249,446$72,319,189$41,578,506$304,307,034
70$471,755,867$75,687,807$42,796,364$333,850,354
71$519,694,431$79,215,974$44,049,507$366,354,514
72$572,517,040$82,911,335$45,338,943$402,119,568
73$630,721,691$86,781,903$46,665,710$441,476,098
74$694,857,164$90,836,077$48,030,873$484,788,326
75$765,528,215$95,082,665$49,435,527$532,457,541
76$843,401,275$99,530,897$50,880,799$584,925,877
77$929,210,746$104,190,452$52,367,847$642,680,474
78$1,023,765,933$109,071,476$53,897,861$706,258,066
79$1,127,958,684$114,184,603$55,472,065$776,250,037
80$1,242,771,807$119,540,986$57,091,716$853,307,987
81$1,369,288,351$125,152,314$58,758,108$938,149,875
82$1,508,701,827$131,030,842$60,472,569$1,031,566,778
83$1,662,327,479$137,189,419$62,236,466$1,134,430,349
84$1,831,614,696$143,641,515$64,051,202$1,247,701,026
85$2,018,160,699$150,401,253$65,918,221$1,372,437,088
86$2,223,725,616$157,483,439$67,839,006$1,509,804,624
87$2,450,249,098$164,903,597$69,815,083$1,661,088,530
88$2,699,868,635$172,678,002$71,848,017$1,827,704,614
89$2,974,939,729$180,823,718$73,939,419$2,011,212,951
90$3,278,058,137$189,358,636$76,090,945$2,213,332,586
91$3,612,084,371$198,301,513$78,304,295$2,435,957,745
92$3,980,170,706$207,672,016$80,581,219$2,681,175,693
93$4,385,790,940$217,490,767$82,923,511$2,951,286,423
94$4,832,773,186$227,779,386$85,333,020$3,248,824,339
95$5,325,336,017$238,560,541$87,811,641$3,576,582,165
96$5,868,128,285$249,858,001$90,361,326$3,937,637,280
97$6,466,273,016$261,696,690$92,984,076$4,335,380,746
98$7,125,415,772$274,102,736$95,681,951$4,773,549,295
99$7,851,777,951$287,103,541$98,457,067$5,256,260,577
100$8,652,215,521$300,727,832$101,311,597$5,788,052,003