Can I retire at age 35 with 15,700,000?

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 $15,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$1,296,491$1,284,943$1,273,676$1,262,678$1,251,940$1,201,793
2 years$641,827$629,874$618,289$607,057$596,162$546,270
3 years$423,635$411,630$400,074$388,947$378,230$330,163
4 years$314,560$302,591$291,151$280,215$269,757$223,881
5 years$249,132$237,235$225,945$215,232$205,065$161,497
6 years$205,527$193,720$182,598$172,122$162,261$121,028
7 years$174,394$162,686$151,739$141,511$131,961$93,048
8 years$151,054$139,452$128,687$118,710$109,475$72,840
9 years$132,910$121,418$110,838$101,115$92,194$57,782
10 years$118,404$107,024$96,631$87,162$78,553$46,296
11 years$106,543$95,277$85,073$75,857$67,559$37,380
12 years$96,666$85,516$75,500$66,537$58,545$30,363
13 years$88,315$77,281$67,454$58,742$51,052$24,781
14 years$81,163$70,247$60,608$52,145$44,752$20,302
15 years$74,970$64,171$54,721$46,504$39,403$16,683
16 years$69,557$58,876$49,612$41,639$34,825$13,744
17 years$64,785$54,223$45,145$37,412$30,878$11,345
18 years$60,549$50,104$41,212$33,716$27,455$9,380
19 years$56,763$46,436$37,727$30,465$24,472$7,767
20 years$53,359$43,151$34,624$27,592$21,858$6,437
21 years$50,284$40,193$31,848$25,042$19,561$5,341
22 years$47,492$37,519$29,353$22,769$17,533$4,434
23 years$44,947$35,091$27,102$20,736$15,739$3,684
24 years$42,617$32,878$25,065$18,912$14,147$3,062
25 years$40,477$30,854$23,215$17,272$12,730$2,546
26 years$38,505$28,998$21,531$15,792$11,467$2,118
27 years$36,682$27,290$19,993$14,455$10,338$1,763
28 years$34,992$25,716$18,586$13,244$9,328$1,467
29 years$33,421$24,260$17,296$12,145$8,423$1,221
30 years$31,958$22,911$16,111$11,146$7,611$1,017
31 years$30,592$21,658$15,019$10,237$6,881$847
32 years$29,314$20,493$14,013$9,408$6,224$705
33 years$28,116$19,407$13,084$8,651$5,633$587
34 years$26,991$18,394$12,225$7,960$5,100$489
35 years$25,933$17,446$11,430$7,328$4,619$408
36 years$24,935$16,559$10,692$6,749$4,185$340
37 years$23,994$15,727$10,008$6,218$3,793$283
38 years$23,104$14,946$9,372$5,731$3,439$236
39 years$22,262$14,213$8,780$5,284$3,119$196
40 years$21,464$13,522$8,230$4,874$2,829$164
41 years$20,707$12,872$7,717$4,497$2,566$136
42 years$19,988$12,259$7,239$4,150$2,329$114
43 years$19,305$11,680$6,793$3,831$2,113$95
44 years$18,654$11,133$6,376$3,537$1,918$79
45 years$18,034$10,617$5,987$3,267$1,741$66
46 years$17,442$10,128$5,623$3,018$1,581$55
47 years$16,878$9,665$5,283$2,788$1,436$46
48 years$16,338$9,227$4,964$2,576$1,304$38
49 years$15,822$8,811$4,666$2,381$1,184$32
50 years$15,329$8,417$4,387$2,201$1,076$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $15,700,000, adding $2,540 every year, while hoping to spend $38,426 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: 34/36/30 Blend
34$15,700,000$15,700,000$15,700,000$15,700,000
35$17,304,020$16,471,920$16,228,570$17,735,431
36$19,028,145$17,238,159$16,731,342$18,829,386
37$20,926,843$18,040,656$17,249,669$20,004,633
38$23,017,880$18,881,147$17,784,032$21,271,268
39$25,320,832$19,761,452$18,334,925$22,637,466
40$27,857,272$20,683,478$18,902,860$24,112,190
41$30,650,970$21,649,225$19,488,363$25,705,264
42$33,728,122$22,660,790$20,091,976$27,427,463
43$37,117,593$23,720,371$20,714,259$29,290,605
44$40,851,189$24,830,271$21,355,789$31,307,657
45$44,963,961$25,992,905$22,017,159$33,492,849
46$49,494,534$27,210,806$22,698,982$35,861,797
47$54,485,469$28,486,628$23,401,891$38,431,648
48$59,983,668$29,823,153$24,126,535$41,221,228
49$66,040,814$31,223,300$24,873,586$44,251,211
50$72,713,862$32,690,127$25,643,736$47,544,306
51$80,065,573$34,226,840$26,437,698$51,125,461
52$88,165,107$35,836,801$27,256,207$55,022,087
53$97,088,679$37,523,535$28,100,021$59,264,306
54$106,920,273$39,290,737$28,969,920$63,885,222
55$117,752,439$41,142,281$29,866,711$68,921,225
56$129,687,164$43,082,230$30,791,222$74,412,320
57$142,836,836$45,114,840$31,744,309$80,402,488
58$157,325,305$47,244,579$32,726,855$86,940,095
59$173,289,050$49,476,127$33,739,768$94,078,325
60$190,878,468$51,814,393$34,783,986$101,875,674
61$210,259,296$54,264,522$35,860,474$110,396,484
62$231,614,172$56,831,911$36,970,227$119,711,531
63$255,144,361$59,522,218$38,114,273$129,898,681
64$281,071,654$62,341,375$39,293,669$141,043,603
65$309,640,461$65,295,601$40,509,506$153,240,559
66$341,120,121$68,391,418$41,762,907$166,593,277
67$375,807,441$71,635,665$43,055,032$181,215,907
68$414,029,499$75,035,512$44,387,075$197,234,076
69$456,146,733$78,598,477$45,760,267$214,786,053
70$502,556,340$82,332,443$47,175,876$234,024,033
71$553,696,031$86,245,676$48,635,212$255,115,544
72$610,048,156$90,346,845$50,139,622$278,245,004
73$672,144,265$94,645,038$51,690,497$303,615,437
74$740,570,120$99,149,785$53,289,268$331,450,362
75$815,971,228$103,871,079$54,937,414$361,995,866
76$899,058,931$108,819,400$56,636,455$395,522,908
77$990,617,127$114,005,735$58,387,961$432,329,833
78$1,091,509,665$119,441,608$60,193,550$472,745,161
79$1,202,688,505$125,139,101$62,054,888$517,130,654
80$1,325,202,700$131,110,884$63,973,693$565,884,686
81$1,460,208,301$137,370,243$65,951,738$619,445,977
82$1,608,979,273$143,931,111$67,990,847$678,297,681
83$1,772,919,522$150,808,098$70,092,903$742,971,915
84$1,953,576,143$158,016,524$72,259,845$814,054,734
85$2,152,654,032$165,572,457$74,493,673$892,191,614
86$2,372,031,980$173,492,744$76,796,447$978,093,503
87$2,613,780,406$181,795,052$79,170,292$1,072,543,476
88$2,880,180,908$190,497,911$81,617,398$1,176,404,080
89$3,173,747,801$199,620,749$84,140,021$1,290,625,414
90$3,497,251,853$209,183,941$86,740,488$1,416,254,047
91$3,853,746,444$219,208,857$89,421,196$1,554,442,832
92$4,246,596,393$229,717,902$92,184,618$1,706,461,727
93$4,679,509,723$240,734,577$95,033,300$1,873,709,721
94$5,156,572,668$252,283,524$97,969,869$2,057,727,963
95$5,682,288,251$264,390,588$100,997,031$2,260,214,247
96$6,261,618,797$277,082,872$104,117,576$2,483,038,955
97$6,900,032,778$290,388,796$107,334,379$2,728,262,641
98$7,603,556,445$304,338,171$110,650,404$2,998,155,397
99$8,378,830,716$318,962,255$114,068,706$3,295,218,194
100$9,233,173,876$334,293,832$117,592,434$3,622,206,404