Can I retire at age 35 with 15,100,000?

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 $15,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,174,510
2 years$617,299$605,802$594,660$583,857$573,379$543,755
3 years$407,445$395,899$384,785$374,083$363,775$335,038
4 years$302,538$291,027$280,025$269,506$259,447$231,819
5 years$239,611$228,169$217,311$207,006$197,228$170,785
6 years$197,673$186,317$175,619$165,545$156,060$130,829
7 years$167,729$156,469$145,940$136,103$126,918$102,902
8 years$145,281$134,123$123,769$114,174$105,291$82,479
9 years$127,831$116,778$106,602$97,251$88,670$67,044
10 years$113,879$102,934$92,938$83,831$75,551$55,086
11 years$102,471$91,636$81,821$72,958$64,977$45,642
12 years$92,972$82,248$72,614$63,994$56,307$38,071
13 years$84,940$74,328$64,876$56,497$49,101$31,928
14 years$78,061$67,562$58,292$50,152$43,042$26,894
15 years$72,105$61,719$52,629$44,727$37,897$22,736
16 years$66,899$56,626$47,716$40,048$33,494$19,278
17 years$62,310$52,150$43,420$35,983$29,698$16,387
18 years$58,235$48,189$39,637$32,428$26,406$13,959
19 years$54,593$44,661$36,286$29,301$23,536$11,911
20 years$51,320$41,502$33,301$26,538$21,023$10,180
21 years$48,362$38,657$30,631$24,085$18,813$8,710
22 years$45,677$36,085$28,231$21,899$16,863$7,461
23 years$43,229$33,750$26,066$19,943$15,138$6,397
24 years$40,988$31,621$24,107$18,190$13,606$5,489
25 years$38,930$29,675$22,328$16,612$12,243$4,713
26 years$37,033$27,890$20,708$15,189$11,028$4,049
27 years$35,280$26,247$19,229$13,903$9,943$3,480
28 years$33,655$24,733$17,876$12,738$8,972$2,992
29 years$32,144$23,333$16,635$11,681$8,101$2,574
30 years$30,737$22,035$15,495$10,720$7,320$2,215
31 years$29,423$20,830$14,445$9,846$6,618$1,906
32 years$28,194$19,710$13,478$9,048$5,986$1,641
33 years$27,042$18,666$12,584$8,321$5,418$1,413
34 years$25,960$17,691$11,758$7,656$4,905$1,217
35 years$24,942$16,779$10,993$7,048$4,443$1,048
36 years$23,982$15,926$10,284$6,491$4,025$903
37 years$23,077$15,126$9,625$5,980$3,648$778
38 years$22,221$14,375$9,014$5,512$3,308$670
39 years$21,411$13,669$8,445$5,083$2,999$577
40 years$20,644$13,005$7,915$4,688$2,721$498
41 years$19,916$12,380$7,422$4,325$2,468$429
42 years$19,225$11,790$6,962$3,992$2,240$369
43 years$18,567$11,234$6,533$3,685$2,033$318
44 years$17,941$10,708$6,132$3,402$1,845$274
45 years$17,345$10,211$5,758$3,142$1,675$237
46 years$16,776$9,741$5,408$2,902$1,521$204
47 years$16,233$9,296$5,081$2,681$1,381$176
48 years$15,714$8,874$4,775$2,478$1,254$151
49 years$15,218$8,474$4,488$2,290$1,139$131
50 years$14,743$8,095$4,219$2,117$1,035$113

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $15,100,000, adding $6,612 every year, while hoping to spend $21,252 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: 41/30/29 Blend
34$15,100,000$15,100,000$15,100,000$15,100,000
35$16,647,020$15,846,720$15,612,670$17,187,319
36$18,322,404$16,600,598$16,113,083$18,333,467
37$20,167,965$17,390,703$16,629,547$19,570,814
38$22,201,039$18,218,788$17,162,578$20,909,802
39$24,440,728$19,086,692$17,712,707$22,359,799
40$26,908,084$19,996,341$18,280,484$23,931,090
41$29,626,303$20,949,757$18,866,476$25,634,960
42$32,620,950$21,949,059$19,471,266$27,483,801
43$35,920,192$22,996,468$20,095,459$29,491,221
44$39,555,072$24,094,315$20,739,677$31,672,165
45$43,559,797$25,245,044$21,404,564$34,043,052
46$47,972,062$26,451,217$22,090,783$36,621,916
47$52,833,407$27,715,522$22,799,019$39,428,579
48$58,189,608$29,040,775$23,529,978$42,484,821
49$64,091,107$30,429,932$24,284,392$45,814,582
50$70,593,493$31,886,092$25,063,013$49,444,178
51$77,758,023$33,412,505$25,866,617$53,402,543
52$85,652,201$35,012,577$26,696,009$57,721,490
53$94,350,416$36,689,883$27,552,015$62,436,001
54$103,934,641$38,448,170$28,435,490$67,584,549
55$114,495,212$40,291,369$29,347,317$73,209,452
56$126,131,678$42,223,600$30,288,407$79,357,257
57$138,953,739$44,249,186$31,259,698$86,079,170
58$153,082,284$46,372,660$32,262,161$93,431,531
59$168,650,532$48,598,775$33,296,798$101,476,324
60$185,805,287$50,932,516$34,364,642$110,281,759
61$204,708,327$53,379,110$35,466,759$119,922,894
62$225,537,931$55,944,041$36,604,250$130,482,335
63$248,490,560$58,633,059$37,778,252$142,050,997
64$273,782,711$61,452,193$38,989,937$154,728,948
65$301,652,964$64,407,767$40,240,516$168,626,334
66$332,364,232$67,506,413$41,531,239$183,864,408
67$366,206,243$70,755,087$42,863,395$200,576,650
68$403,498,276$74,161,082$44,238,316$218,910,011
69$444,592,176$77,732,050$45,657,374$239,026,281
70$489,875,670$81,476,014$47,121,989$261,103,593
71$539,776,037$85,401,387$48,633,624$285,338,087
72$594,764,132$89,516,994$50,193,790$311,945,734
73$655,358,838$93,832,091$51,804,046$341,164,357
74$722,131,959$98,356,383$53,466,002$373,255,845
75$795,713,624$103,100,051$55,181,318$408,508,605
76$876,798,232$108,073,772$56,951,710$447,240,253
77$966,151,007$113,288,742$58,778,947$489,800,589
78$1,064,615,224$118,756,705$60,664,857$536,574,863
79$1,173,120,172$124,489,978$62,611,324$587,987,388
80$1,292,689,921$130,501,479$64,620,295$644,505,509
81$1,424,452,996$136,804,755$66,693,779$706,643,982
82$1,569,653,030$143,414,015$68,833,848$774,969,797
83$1,729,660,500$150,344,163$71,042,643$850,107,495
84$1,905,985,672$157,610,829$73,322,373$932,745,026
85$2,100,292,856$165,230,405$75,675,318$1,023,640,200
86$2,314,416,117$173,220,084$78,103,830$1,123,627,801
87$2,550,376,592$181,597,899$80,610,340$1,233,627,423
88$2,810,401,572$190,382,764$83,197,354$1,354,652,102
89$3,096,945,526$199,594,513$85,867,459$1,487,817,836
90$3,412,713,279$209,253,953$88,623,328$1,634,354,067
91$3,760,685,540$219,382,903$91,467,716$1,795,615,232
92$4,144,147,050$230,004,251$94,403,469$1,973,093,499
93$4,566,717,589$241,141,999$97,433,526$2,168,432,791
94$5,032,386,151$252,821,325$100,560,916$2,383,444,246
95$5,545,548,602$265,068,633$103,788,771$2,620,123,254
96$6,111,049,183$277,911,620$107,120,319$2,880,668,224
97$6,734,226,245$291,379,335$110,558,894$3,167,501,270
98$7,420,962,643$305,502,243$114,107,938$3,483,291,003
99$8,177,741,281$320,312,302$117,771,003$3,830,977,651
100$9,011,706,315$335,843,028$121,551,755$4,213,800,733