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%19.6%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,380,031
2 years$735,853$722,148$708,867$695,989$683,498$628,430
3 years$485,696$471,932$458,684$445,927$433,639$380,550
4 years$360,642$346,920$333,804$321,265$309,275$258,569
5 years$285,629$271,990$259,046$246,762$235,106$186,913
6 years$235,636$222,100$209,347$197,338$186,031$140,384
7 years$199,942$186,519$173,969$162,242$151,293$108,177
8 years$173,183$159,881$147,539$136,101$125,512$84,885
9 years$152,381$139,205$127,076$115,928$105,700$67,503
10 years$135,750$122,703$110,787$99,931$90,061$54,223
11 years$122,151$109,235$97,535$86,970$77,456$43,895
12 years$110,827$98,044$86,560$76,284$67,122$35,751
13 years$101,253$88,603$77,336$67,348$58,531$29,258
14 years$93,053$80,537$69,487$59,784$51,308$24,037
15 years$85,953$73,572$62,737$53,317$45,176$19,809
16 years$79,747$67,501$56,880$47,739$39,926$16,367
17 years$74,276$62,166$51,759$42,893$35,402$13,550
18 years$69,419$57,444$47,249$38,655$31,477$11,237
19 years$65,078$53,239$43,254$34,929$28,057$9,332
20 years$61,176$49,472$39,697$31,634$25,061$7,759
21 years$57,651$46,081$36,513$28,710$22,426$6,457
22 years$54,450$43,015$33,653$26,104$20,102$5,378
23 years$51,531$40,231$31,072$23,774$18,045$4,482
24 years$48,860$37,694$28,737$21,683$16,219$3,737
25 years$46,407$35,374$26,616$19,802$14,595$3,118
26 years$44,146$33,246$24,685$18,106$13,146$2,602
27 years$42,055$31,288$22,922$16,573$11,853$2,172
28 years$40,118$29,483$21,309$15,184$10,695$1,814
29 years$38,318$27,814$19,830$13,924$9,657$1,515
30 years$36,640$26,267$18,471$12,779$8,726$1,265
31 years$35,074$24,831$17,220$11,737$7,889$1,057
32 years$33,609$23,495$16,066$10,786$7,136$883
33 years$32,235$22,250$15,001$9,919$6,458$738
34 years$30,945$21,088$14,016$9,126$5,847$617
35 years$29,732$20,002$13,104$8,401$5,296$516
36 years$28,588$18,985$12,259$7,737$4,798$431
37 years$27,509$18,031$11,474$7,129$4,349$360
38 years$26,489$17,136$10,745$6,571$3,943$301
39 years$25,524$16,295$10,067$6,059$3,575$252
40 years$24,609$15,503$9,436$5,588$3,243$210
41 years$23,741$14,757$8,848$5,156$2,942$176
42 years$22,917$14,054$8,299$4,758$2,670$147
43 years$22,133$13,391$7,788$4,392$2,423$123
44 years$21,387$12,764$7,310$4,056$2,199$103
45 years$20,676$12,172$6,864$3,745$1,997$86
46 years$19,997$11,612$6,447$3,460$1,813$72
47 years$19,350$11,081$6,057$3,196$1,646$60
48 years$18,732$10,578$5,692$2,954$1,495$50
49 years$18,140$10,102$5,350$2,730$1,358$42
50 years$17,574$9,650$5,030$2,523$1,233$35

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 $2,308 every year, while hoping to spend $28,056 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: 50/25/25 Blend
34$18,000,000$18,000,000$18,000,000$18,000,000
35$19,838,381$18,884,381$18,605,381$20,690,371
36$21,832,044$19,779,864$19,198,810$22,179,356
37$24,028,121$20,718,286$19,811,178$23,793,784
38$26,447,228$21,701,720$20,443,091$25,547,957
39$29,112,083$22,732,342$21,095,172$27,455,126
40$32,047,721$23,812,433$21,768,066$29,529,850
41$35,281,730$24,944,383$22,462,438$31,788,127
42$38,844,510$26,130,702$23,178,973$34,247,544
43$42,769,561$27,374,017$23,918,379$36,927,431
44$47,093,798$28,677,086$24,681,387$39,849,042
45$51,857,903$30,042,800$25,468,751$43,035,744
46$57,106,703$31,474,192$26,281,248$46,513,233
47$62,889,599$32,974,439$27,119,682$50,309,771
48$69,261,027$34,546,876$27,984,881$54,456,440
49$76,280,977$36,194,998$28,877,699$58,987,432
50$84,015,554$37,922,470$29,799,020$63,940,361
51$92,537,607$39,733,138$30,749,754$69,356,609
52$101,927,412$41,631,030$31,730,839$75,281,709
53$112,273,432$43,620,375$32,743,247$81,765,763
54$123,673,153$45,705,605$33,787,977$88,863,907
55$136,234,003$47,891,367$34,866,062$96,636,820
56$150,074,364$50,182,537$35,978,568$105,151,283
57$165,324,694$52,584,226$37,126,594$114,480,804
58$182,128,753$55,101,794$38,311,276$124,706,294
59$200,644,967$57,740,862$39,533,784$135,916,822
60$221,047,915$60,507,326$40,795,327$148,210,441
61$243,529,984$63,407,367$42,097,153$161,695,098
62$268,303,183$66,447,468$43,440,548$176,489,643
63$295,601,142$69,634,428$44,826,840$192,724,932
64$325,681,320$72,975,377$46,257,401$210,545,051
65$358,827,436$76,477,792$47,733,645$230,108,654
66$395,352,143$80,149,513$49,257,032$251,590,448
67$435,599,987$83,998,764$50,829,068$275,182,822
68$479,950,652$88,034,170$52,451,308$301,097,645
69$528,822,548$92,264,773$54,125,355$329,568,249
70$582,676,760$96,700,059$55,852,867$360,851,607
71$642,021,403$101,349,976$57,635,551$395,230,740
72$707,416,415$106,224,953$59,475,171$433,017,366
73$779,478,846$111,335,933$61,373,547$474,554,819
74$858,888,683$116,694,389$63,332,555$520,221,265
75$946,395,268$122,312,353$65,354,135$570,433,249
76$1,042,824,373$128,202,445$67,440,286$625,649,597
77$1,149,085,995$134,377,901$69,593,072$686,375,723
78$1,266,182,949$140,852,601$71,814,622$753,168,368
79$1,395,220,332$147,641,101$74,107,135$826,640,826
80$1,537,415,961$154,758,670$76,472,879$907,468,705
81$1,694,111,864$162,221,319$78,914,194$996,396,266
82$1,866,786,951$170,045,842$81,433,498$1,094,243,417
83$2,057,070,982$178,249,850$84,033,281$1,201,913,418
84$2,266,759,944$186,851,814$86,716,118$1,320,401,369
85$2,497,833,014$195,871,109$89,484,664$1,450,803,562
86$2,752,471,239$205,328,050$92,341,657$1,594,327,790
87$3,033,078,129$215,243,949$95,289,927$1,752,304,708
88$3,342,302,349$225,641,153$98,332,390$1,926,200,344
89$3,683,062,722$236,543,103$101,472,059$2,117,629,896
90$4,058,575,788$247,974,383$104,712,041$2,328,372,927
91$4,472,386,168$259,960,777$108,055,544$2,560,390,115
92$4,928,400,029$272,529,327$111,505,876$2,815,841,705
93$5,430,921,964$285,708,396$115,066,455$3,097,107,849
94$5,984,695,628$299,527,731$118,740,805$3,406,811,013
95$6,594,948,523$314,018,532$122,532,564$3,747,840,674
96$7,267,441,354$329,213,521$126,445,486$4,123,380,530
97$8,008,522,407$345,147,019$130,483,445$4,536,938,491
98$8,825,187,492$361,855,023$134,650,440$4,992,379,721
99$9,725,145,984$379,375,286$138,950,597$5,493,963,053
100$10,716,893,607$397,747,407$143,388,174$6,046,381,116