Can I retire at age 35 with 18,000,000?

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 $18,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,381,672
2 years$735,853$722,148$708,867$695,989$683,498$630,037
3 years$485,696$471,932$458,684$445,927$433,639$382,073
4 years$360,642$346,920$333,804$321,265$309,275$259,997
5 years$285,629$271,990$259,046$246,762$235,106$188,243
6 years$235,636$222,100$209,347$197,338$186,031$141,617
7 years$199,942$186,519$173,969$162,242$151,293$109,315
8 years$173,183$159,881$147,539$136,101$125,512$85,931
9 years$152,381$139,205$127,076$115,928$105,700$68,461
10 years$135,750$122,703$110,787$99,931$90,061$55,097
11 years$122,151$109,235$97,535$86,970$77,456$44,690
12 years$110,827$98,044$86,560$76,284$67,122$36,471
13 years$101,253$88,603$77,336$67,348$58,531$29,909
14 years$93,053$80,537$69,487$59,784$51,308$24,624
15 years$85,953$73,572$62,737$53,317$45,176$20,336
16 years$79,747$67,501$56,880$47,739$39,926$16,839
17 years$74,276$62,166$51,759$42,893$35,402$13,972
18 years$69,419$57,444$47,249$38,655$31,477$11,613
19 years$65,078$53,239$43,254$34,929$28,057$9,666
20 years$61,176$49,472$39,697$31,634$25,061$8,055
21 years$57,651$46,081$36,513$28,710$22,426$6,719
22 years$54,450$43,015$33,653$26,104$20,102$5,609
23 years$51,531$40,231$31,072$23,774$18,045$4,686
24 years$48,860$37,694$28,737$21,683$16,219$3,917
25 years$46,407$35,374$26,616$19,802$14,595$3,275
26 years$44,146$33,246$24,685$18,106$13,146$2,740
27 years$42,055$31,288$22,922$16,573$11,853$2,293
28 years$40,118$29,483$21,309$15,184$10,695$1,919
29 years$38,318$27,814$19,830$13,924$9,657$1,607
30 years$36,640$26,267$18,471$12,779$8,726$1,346
31 years$35,074$24,831$17,220$11,737$7,889$1,127
32 years$33,609$23,495$16,066$10,786$7,136$944
33 years$32,235$22,250$15,001$9,919$6,458$791
34 years$30,945$21,088$14,016$9,126$5,847$663
35 years$29,732$20,002$13,104$8,401$5,296$555
36 years$28,588$18,985$12,259$7,737$4,798$465
37 years$27,509$18,031$11,474$7,129$4,349$390
38 years$26,489$17,136$10,745$6,571$3,943$327
39 years$25,524$16,295$10,067$6,059$3,575$274
40 years$24,609$15,503$9,436$5,588$3,243$229
41 years$23,741$14,757$8,848$5,156$2,942$192
42 years$22,917$14,054$8,299$4,758$2,670$161
43 years$22,133$13,391$7,788$4,392$2,423$135
44 years$21,387$12,764$7,310$4,056$2,199$113
45 years$20,676$12,172$6,864$3,745$1,997$95
46 years$19,997$11,612$6,447$3,460$1,813$80
47 years$19,350$11,081$6,057$3,196$1,646$67
48 years$18,732$10,578$5,692$2,954$1,495$56
49 years$18,140$10,102$5,350$2,730$1,358$47
50 years$17,574$9,650$5,030$2,523$1,233$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,000,000, adding $6,158 every year, while hoping to spend $57,293 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: 82/11/7 Blend
34$18,000,000$18,000,000$18,000,000$18,000,000
35$19,842,352$18,888,352$18,609,352$21,455,583
36$21,805,313$19,752,922$19,171,806$23,375,997
37$23,966,575$20,657,936$19,751,182$25,475,520
38$26,346,305$21,605,314$20,347,986$27,778,614
39$28,966,725$22,597,071$20,962,741$30,305,630
40$31,852,320$23,635,317$21,595,982$33,078,977
41$35,030,072$24,722,263$22,248,262$36,123,332
42$38,529,713$25,860,227$22,920,152$39,465,869
43$42,384,004$27,051,638$23,612,237$43,136,518
44$46,629,046$28,299,043$24,325,122$47,168,238
45$51,304,622$29,605,109$25,059,427$51,597,330
46$56,454,569$30,972,634$25,815,792$56,463,778
47$62,127,191$32,404,550$26,594,878$61,811,617
48$68,375,720$33,903,928$27,397,362$67,689,354
49$75,258,813$35,473,990$28,223,943$74,150,415
50$82,841,108$37,118,111$29,075,340$81,253,652
51$91,193,832$38,839,830$29,952,296$89,063,891
52$100,395,477$40,642,856$30,855,572$97,652,543
53$110,532,535$42,531,076$31,785,953$107,098,273
54$121,700,321$44,508,565$32,744,249$117,487,738
55$134,003,864$46,579,595$33,731,292$128,916,403
56$147,558,907$48,748,644$34,747,939$141,489,434
57$162,492,994$51,020,407$35,795,074$155,322,693
58$178,946,675$53,399,802$36,873,605$170,543,818
59$197,074,833$55,891,989$37,984,467$187,293,432
60$217,048,144$58,502,374$39,128,624$205,726,459
61$239,054,690$61,236,626$40,307,069$226,013,584
62$263,301,735$64,100,687$41,520,822$248,342,858
63$290,017,677$67,100,787$42,770,935$272,921,466
64$319,454,209$70,243,454$44,058,491$299,977,680
65$351,888,692$73,535,537$45,384,603$329,763,004
66$387,626,771$76,984,211$46,750,420$362,554,546
67$427,005,266$80,597,001$48,157,123$398,657,622
68$470,395,345$84,381,796$49,605,929$438,408,633
69$518,206,032$88,346,865$51,098,089$482,178,235
70$570,888,065$92,500,880$52,634,893$530,374,827
71$628,938,153$96,852,929$54,217,667$583,448,402
72$692,903,665$101,412,542$55,847,779$641,894,781
73$763,387,794$106,189,712$57,526,636$706,260,290
74$841,055,256$111,194,915$59,255,684$777,146,906
75$926,638,558$116,439,132$61,036,416$855,217,928
76$1,020,944,920$121,933,879$62,870,365$941,204,234
77$1,124,863,893$127,691,229$64,759,113$1,035,911,163
78$1,239,375,752$133,723,842$66,704,286$1,140,226,112
79$1,365,560,757$140,044,988$68,707,557$1,255,126,899
80$1,504,609,345$146,668,584$70,770,652$1,381,690,982
81$1,657,833,374$153,609,219$72,895,344$1,521,105,621
82$1,826,678,500$160,882,193$75,083,460$1,674,679,067
83$2,012,737,832$168,503,546$77,336,881$1,843,852,904
84$2,217,766,967$176,490,096$79,657,542$2,030,215,641
85$2,443,700,564$184,859,477$82,047,437$2,235,517,695
86$2,692,670,612$193,630,182$84,508,616$2,461,687,897
87$2,967,026,551$202,821,598$87,043,192$2,710,851,686
88$3,269,357,458$212,454,054$89,653,337$2,985,351,160
89$3,602,516,484$222,548,868$92,341,289$3,287,767,163
90$3,969,647,794$233,128,392$95,109,351$3,620,943,635
91$4,374,216,249$244,216,063$97,959,895$3,988,014,439
92$4,820,040,115$255,836,458$100,895,359$4,392,432,926
93$5,311,327,109$268,015,348$103,918,257$4,838,004,516
94$5,852,714,129$280,779,754$107,031,172$5,328,922,599
95$6,449,311,022$294,158,013$110,236,768$5,869,808,102
96$7,106,748,829$308,179,839$113,537,783$6,465,753,086
97$7,831,232,947$322,876,389$116,937,037$7,122,368,796
98$8,629,601,711$338,280,336$120,437,431$7,845,838,607
99$9,509,390,954$354,425,940$124,041,953$8,642,976,369
100$10,478,905,150$371,349,130$127,753,677$9,521,290,707