Can I retire at age 35 with 15,500,000?

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 $15,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$1,279,976$1,268,574$1,257,451$1,246,593$1,235,992$1,193,087
2 years$633,651$621,850$610,413$599,324$588,568$545,786
3 years$418,238$406,386$394,978$383,993$373,411$332,096
4 years$310,552$298,737$287,443$276,645$266,320$226,787
5 years$245,958$234,213$223,067$212,490$202,452$164,806
6 years$202,909$191,253$180,271$169,930$160,194$124,463
7 years$172,172$160,614$149,806$139,709$130,280$96,459
8 years$149,130$137,676$127,048$117,198$108,080$76,141
9 years$131,217$119,871$109,426$99,827$91,019$60,922
10 years$116,896$105,661$95,400$86,052$77,553$49,247
11 years$105,186$94,064$83,989$74,891$66,698$40,127
12 years$95,434$84,426$74,538$65,689$57,799$32,901
13 years$87,190$76,297$66,595$57,994$50,402$27,111
14 years$80,129$69,352$59,836$51,480$44,182$22,429
15 years$74,015$63,354$54,024$45,911$38,901$18,617
16 years$68,671$58,126$48,980$41,109$34,381$15,493
17 years$63,960$53,532$44,570$36,936$30,485$12,922
18 years$59,778$49,466$40,687$33,287$27,106$10,797
19 years$56,040$45,845$37,247$30,077$24,160$9,035
20 years$52,680$42,601$34,183$27,241$21,580$7,569
21 years$49,644$39,681$31,442$24,723$19,312$6,348
22 years$46,887$37,041$28,979$22,479$17,310$5,329
23 years$44,374$34,644$26,757$20,472$15,539$4,476
24 years$42,074$32,459$24,745$18,671$13,966$3,762
25 years$39,961$30,461$22,919$17,052$12,568$3,164
26 years$38,014$28,628$21,256$15,591$11,320$2,662
27 years$36,214$26,943$19,738$14,271$10,206$2,240
28 years$34,546$25,388$18,349$13,075$9,209$1,886
29 years$32,996$23,951$17,076$11,990$8,316$1,588
30 years$31,551$22,619$15,905$11,004$7,514$1,337
31 years$30,203$21,382$14,828$10,106$6,793$1,127
32 years$28,941$20,232$13,835$9,288$6,145$949
33 years$27,758$19,160$12,918$8,541$5,561$800
34 years$26,647$18,159$12,070$7,859$5,035$674
35 years$25,602$17,224$11,284$7,234$4,560$568
36 years$24,618$16,348$10,556$6,663$4,132$479
37 years$23,688$15,527$9,880$6,139$3,745$403
38 years$22,810$14,756$9,252$5,658$3,395$340
39 years$21,979$14,031$8,669$5,217$3,079$287
40 years$21,191$13,350$8,125$4,812$2,793$242
41 years$20,444$12,708$7,619$4,440$2,534$204
42 years$19,734$12,102$7,147$4,097$2,299$172
43 years$19,059$11,531$6,706$3,782$2,086$145
44 years$18,416$10,992$6,295$3,492$1,894$122
45 years$17,804$10,482$5,911$3,225$1,719$103
46 years$17,220$9,999$5,551$2,979$1,561$87
47 years$16,663$9,542$5,216$2,752$1,417$73
48 years$16,130$9,109$4,901$2,543$1,287$62
49 years$15,621$8,699$4,607$2,351$1,169$52
50 years$15,133$8,309$4,331$2,173$1,062$44

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $15,500,000, adding $2,383 every year, while hoping to spend $22,084 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: 40/43/17 Blend
34$15,500,000$15,500,000$15,500,000$15,500,000
35$17,083,458$16,261,958$16,021,708$17,680,438
36$18,802,474$17,035,297$16,534,938$18,878,935
37$20,696,089$17,845,789$17,064,621$20,172,342
38$22,782,089$18,695,232$17,611,285$21,571,107
39$25,080,073$19,585,510$18,175,475$23,084,815
40$27,611,640$20,518,599$18,757,752$24,723,976
41$30,400,589$21,496,572$19,358,699$26,500,119
42$33,473,146$22,521,601$19,978,912$28,425,888
43$36,858,212$23,595,965$20,619,011$30,515,162
44$40,587,636$24,722,053$21,279,634$32,783,166
45$44,696,512$25,902,371$21,961,439$35,246,619
46$49,223,515$27,139,546$22,665,106$37,923,871
47$54,211,263$28,436,333$23,391,336$40,835,076
48$59,706,720$29,795,622$24,140,855$44,002,364
49$65,761,640$31,220,442$24,914,408$47,450,049
50$72,433,055$32,713,970$25,712,767$51,204,837
51$79,783,810$34,279,539$26,536,729$55,296,074
52$87,883,165$35,920,642$27,387,115$59,756,010
53$96,807,437$37,640,944$28,264,774$64,620,088
54$106,640,732$39,444,286$29,170,579$69,927,268
55$117,475,729$41,334,698$30,105,436$75,720,380
56$129,414,561$43,316,406$31,070,276$82,046,514
57$142,569,779$45,393,842$32,066,063$88,957,451
58$157,065,408$47,571,653$33,093,788$96,510,131
59$173,038,128$49,854,711$34,154,477$104,767,182
60$190,638,554$52,248,130$35,249,190$113,797,487
61$210,032,666$54,757,267$36,379,017$123,676,818
62$231,403,370$57,387,745$37,545,086$134,488,535
63$254,952,228$60,145,459$38,748,561$146,324,350
64$280,901,359$63,036,591$39,990,642$159,285,173
65$309,495,538$66,067,624$41,272,569$173,482,043
66$341,004,504$69,245,359$42,595,621$189,037,152
67$375,725,508$72,576,926$43,961,118$206,084,979
68$413,986,118$76,069,803$45,370,424$224,773,527
69$456,147,313$79,731,835$46,824,945$245,265,701
70$502,606,891$83,571,247$48,326,132$267,740,817
71$553,803,221$87,596,666$49,875,485$292,396,262
72$610,219,386$91,817,138$51,474,550$319,449,331
73$672,387,738$96,242,153$53,124,922$349,139,247
74$740,894,931$100,881,661$54,828,250$381,729,385
75$816,387,452$105,746,101$56,586,235$417,509,723
76$899,577,729$110,846,417$58,400,631$456,799,544
77$991,250,855$116,194,089$60,273,250$499,950,416
78$1,092,272,001$121,801,158$62,205,962$547,349,463
79$1,203,594,580$127,680,250$64,200,697$599,422,987
80$1,326,269,254$133,844,609$66,259,447$656,640,442
81$1,461,453,847$140,308,124$68,384,268$719,518,825
82$1,610,424,280$147,085,363$70,577,281$788,627,505
83$1,774,586,615$154,191,604$72,840,679$864,593,550
84$1,955,490,329$161,642,872$75,176,720$948,107,596
85$2,154,842,941$169,455,971$77,587,739$1,039,930,308
86$2,374,526,137$177,648,530$80,076,144$1,140,899,507
87$2,616,613,529$186,239,034$82,644,421$1,251,938,017
88$2,883,390,236$195,246,873$85,295,136$1,374,062,316
89$3,177,374,453$204,692,383$88,030,936$1,508,392,062
90$3,501,341,231$214,596,893$90,854,556$1,656,160,600
91$3,858,348,669$224,982,774$93,768,817$1,818,726,526
92$4,251,766,791$235,873,488$96,776,630$1,997,586,442
93$4,685,309,358$247,293,643$99,881,001$2,194,389,001
94$5,163,068,931$259,269,050$103,085,033$2,410,950,393
95$5,689,555,509$271,826,779$106,391,928$2,649,271,399
96$6,269,739,103$284,995,224$109,804,991$2,911,556,187
97$6,909,096,666$298,804,165$113,327,632$3,200,233,032
98$7,613,663,792$313,284,834$116,963,373$3,517,977,129
99$8,390,091,701$328,469,994$120,715,849$3,867,735,755
100$9,245,710,034$344,394,003$124,588,810$4,252,755,972