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%16.9%
1 years$1,279,976$1,268,574$1,257,451$1,246,593$1,235,992$1,201,243
2 years$633,651$621,850$610,413$599,324$588,568$553,823
3 years$418,238$406,386$394,978$383,993$373,411$339,760
4 years$310,552$298,737$287,443$276,645$266,320$234,020
5 years$245,958$234,213$223,067$212,490$202,452$171,592
6 years$202,909$191,253$180,271$169,930$160,194$130,802
7 years$172,172$160,614$149,806$139,709$130,280$102,358
8 years$149,130$137,676$127,048$117,198$108,080$81,612
9 years$131,217$119,871$109,426$99,827$91,019$65,979
10 years$116,896$105,661$95,400$86,052$77,553$53,907
11 years$105,186$94,064$83,989$74,891$66,698$44,409
12 years$95,434$84,426$74,538$65,689$57,799$36,825
13 years$87,190$76,297$66,595$57,994$50,402$30,696
14 years$80,129$69,352$59,836$51,480$44,182$25,697
15 years$74,015$63,354$54,024$45,911$38,901$21,587
16 years$68,671$58,126$48,980$41,109$34,381$18,186
17 years$63,960$53,532$44,570$36,936$30,485$15,358
18 years$59,778$49,466$40,687$33,287$27,106$12,996
19 years$56,040$45,845$37,247$30,077$24,160$11,015
20 years$52,680$42,601$34,183$27,241$21,580$9,349
21 years$49,644$39,681$31,442$24,723$19,312$7,945
22 years$46,887$37,041$28,979$22,479$17,310$6,758
23 years$44,374$34,644$26,757$20,472$15,539$5,753
24 years$42,074$32,459$24,745$18,671$13,966$4,902
25 years$39,961$30,461$22,919$17,052$12,568$4,178
26 years$38,014$28,628$21,256$15,591$11,320$3,564
27 years$36,214$26,943$19,738$14,271$10,206$3,041
28 years$34,546$25,388$18,349$13,075$9,209$2,596
29 years$32,996$23,951$17,076$11,990$8,316$2,216
30 years$31,551$22,619$15,905$11,004$7,514$1,893
31 years$30,203$21,382$14,828$10,106$6,793$1,617
32 years$28,941$20,232$13,835$9,288$6,145$1,382
33 years$27,758$19,160$12,918$8,541$5,561$1,181
34 years$26,647$18,159$12,070$7,859$5,035$1,009
35 years$25,602$17,224$11,284$7,234$4,560$863
36 years$24,618$16,348$10,556$6,663$4,132$738
37 years$23,688$15,527$9,880$6,139$3,745$631
38 years$22,810$14,756$9,252$5,658$3,395$539
39 years$21,979$14,031$8,669$5,217$3,079$461
40 years$21,191$13,350$8,125$4,812$2,793$394
41 years$20,444$12,708$7,619$4,440$2,534$337
42 years$19,734$12,102$7,147$4,097$2,299$288
43 years$19,059$11,531$6,706$3,782$2,086$247
44 years$18,416$10,992$6,295$3,492$1,894$211
45 years$17,804$10,482$5,911$3,225$1,719$180
46 years$17,220$9,999$5,551$2,979$1,561$154
47 years$16,663$9,542$5,216$2,752$1,417$132
48 years$16,130$9,109$4,901$2,543$1,287$113
49 years$15,621$8,699$4,607$2,351$1,169$97
50 years$15,133$8,309$4,331$2,173$1,062$83

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 $3,218 every year, while hoping to spend $24,611 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: 42/40/18 Blend
34$15,500,000$15,500,000$15,500,000$15,500,000
35$17,084,319$16,262,819$16,022,569$17,711,637
36$18,800,734$17,033,512$16,533,140$18,926,446
37$20,691,398$17,841,143$17,059,989$20,238,469
38$22,774,059$18,687,497$17,603,637$21,658,732
39$25,068,274$19,574,445$18,164,620$23,197,169
40$27,595,593$20,503,949$18,743,490$24,864,682
41$30,379,765$21,478,064$19,340,818$26,673,232
42$33,446,960$22,498,947$19,957,194$28,635,946
43$36,826,015$23,568,861$20,593,225$30,767,232
44$40,548,708$24,690,175$21,249,538$33,082,911
45$44,650,060$25,865,376$21,926,781$35,600,355
46$49,168,658$27,097,072$22,625,620$38,338,642
47$54,147,029$28,387,996$23,346,746$41,318,731
48$59,632,033$29,741,016$24,090,870$44,563,646
49$65,675,311$31,159,136$24,858,724$48,098,686
50$72,333,769$32,645,510$25,651,068$51,951,654
51$79,670,117$34,203,443$26,468,681$56,153,105
52$87,753,458$35,836,401$27,312,372$60,736,630
53$96,659,945$37,548,019$28,182,971$65,739,154
54$106,473,497$39,342,109$29,081,337$71,201,277
55$117,286,589$41,222,668$30,008,358$77,167,643
56$129,201,129$43,193,888$30,964,946$83,687,349
57$142,329,419$45,260,163$31,952,047$90,814,391
58$156,795,213$47,426,104$32,970,633$98,608,163
59$172,734,885$49,696,543$34,021,710$107,134,002
60$190,298,721$52,076,551$35,106,315$116,463,783
61$209,652,332$54,571,444$36,225,517$126,676,589
62$230,978,220$57,186,794$37,380,422$137,859,434
63$254,477,501$59,928,450$38,572,169$150,108,067
64$280,371,803$62,802,541$39,801,933$163,527,858
65$308,905,358$65,815,496$41,070,929$178,234,770
66$340,347,308$68,974,059$42,380,409$194,356,437
67$374,994,245$72,285,300$43,731,665$212,033,339
68$413,173,013$75,756,635$45,126,030$231,420,114
69$455,243,790$79,395,839$46,564,882$252,686,984
70$501,603,490$83,211,069$48,049,639$276,021,345
71$552,689,512$87,210,878$49,581,768$301,629,503
72$608,983,867$91,404,235$51,162,782$329,738,598
73$671,017,726$95,800,547$52,794,240$360,598,715
74$739,376,440$100,409,680$54,477,753$394,485,216
75$814,705,062$105,241,980$56,214,983$431,701,309
76$897,714,439$110,308,298$58,007,646$472,580,874
77$989,187,921$115,620,013$59,857,510$517,491,582
78$1,089,988,756$121,189,061$61,766,404$566,838,326
79$1,201,068,241$127,027,957$63,736,211$621,067,007
80$1,323,474,704$133,149,829$65,768,876$680,668,702
81$1,458,363,398$139,568,444$67,866,407$746,184,261
82$1,607,007,407$146,298,242$70,030,875$818,209,361
83$1,770,809,671$153,354,363$72,264,418$897,400,091
84$1,951,316,222$160,752,692$74,569,240$984,479,090
85$2,150,230,786$168,509,883$76,947,619$1,080,242,325
86$2,369,430,865$176,643,406$79,401,903$1,185,566,544
87$2,610,985,464$185,171,583$81,934,517$1,301,417,506
88$2,877,174,620$194,113,630$84,547,962$1,428,859,032
89$3,170,510,931$203,489,698$87,244,820$1,569,062,988
90$3,493,763,279$213,320,926$90,027,754$1,723,320,289
91$3,849,982,963$223,629,481$92,899,513$1,893,053,013
92$4,242,532,514$234,438,614$95,862,935$2,079,827,755
93$4,675,117,434$245,772,710$98,920,948$2,285,370,349
94$5,151,821,185$257,657,345$102,076,571$2,511,582,077
95$5,677,143,733$270,119,343$105,332,924$2,760,557,541
96$6,256,044,041$283,186,837$108,693,224$3,034,604,348
97$6,893,986,876$296,889,336$112,160,791$3,336,264,813
98$7,596,994,411$311,257,787$115,739,051$3,668,339,861
99$8,371,703,072$326,324,649$119,431,540$4,033,915,373
100$9,225,426,196$342,123,967$123,241,907$4,436,391,219