Can I retire at age 35 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,415,336
2 years$739,941$726,160$712,805$699,855$687,295$659,216
3 years$488,394$474,554$461,232$448,404$436,048$408,748
4 years$362,645$348,847$335,659$323,050$310,993$284,683
5 years$287,216$273,501$260,485$248,133$236,412$211,167
6 years$236,946$223,334$210,510$198,434$187,065$162,913
7 years$201,052$187,555$174,935$163,144$152,134$129,080
8 years$174,145$160,770$148,359$136,857$126,210$104,248
9 years$153,228$139,979$127,782$116,572$106,287$85,403
10 years$136,504$123,384$111,403$100,486$90,562$70,737
11 years$122,830$109,842$98,077$87,453$77,886$59,096
12 years$111,443$98,588$87,041$76,708$67,494$49,713
13 years$101,815$89,095$77,765$67,722$58,856$42,054
14 years$93,570$80,985$69,873$60,116$51,593$35,738
15 years$86,431$73,981$63,086$53,613$45,427$30,487
16 years$80,190$67,876$57,196$48,004$40,148$26,090
17 years$74,689$62,512$52,046$43,132$35,598$22,386
18 years$69,805$57,763$47,512$38,870$31,652$19,252
19 years$65,440$53,535$43,495$35,123$28,212$16,588
20 years$61,516$49,747$39,917$31,810$25,200$14,316
21 years$57,971$46,337$36,716$28,870$22,551$12,372
22 years$54,752$43,254$33,840$26,249$20,214$10,705
23 years$51,818$40,455$31,245$23,906$18,145$9,272
24 years$49,132$37,903$28,896$21,803$16,309$8,037
25 years$46,665$35,571$26,764$19,912$14,676$6,973
26 years$44,391$33,431$24,822$18,207$13,219$6,053
27 years$42,289$31,462$23,049$16,665$11,918$5,258
28 years$40,341$29,647$21,427$15,269$10,754$4,569
29 years$38,530$27,968$19,940$14,002$9,711$3,972
30 years$36,844$26,413$18,573$12,850$8,774$3,455
31 years$35,269$24,969$17,315$11,802$7,933$3,006
32 years$33,796$23,626$16,156$10,846$7,176$2,616
33 years$32,414$22,374$15,085$9,974$6,494$2,277
34 years$31,117$21,205$14,094$9,177$5,880$1,982
35 years$29,897$20,113$13,177$8,448$5,325$1,726
36 years$28,747$19,090$12,327$7,780$4,825$1,503
37 years$27,662$18,131$11,538$7,168$4,373$1,309
38 years$26,636$17,231$10,805$6,607$3,965$1,141
39 years$25,665$16,385$10,123$6,092$3,595$994
40 years$24,746$15,589$9,488$5,619$3,261$866
41 years$23,873$14,839$8,897$5,184$2,959$754
42 years$23,044$14,133$8,345$4,785$2,685$657
43 years$22,256$13,465$7,831$4,417$2,436$573
44 years$21,505$12,835$7,351$4,078$2,212$499
45 years$20,790$12,240$6,902$3,766$2,008$435
46 years$20,109$11,676$6,483$3,479$1,823$379
47 years$19,458$11,143$6,090$3,214$1,655$331
48 years$18,836$10,637$5,723$2,970$1,503$288
49 years$18,241$10,158$5,379$2,745$1,365$251
50 years$17,672$9,703$5,058$2,537$1,240$219

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,100,000, adding $4,577 every year, while hoping to spend $47,800 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: 32/41/27 Blend
34$18,100,000$18,100,000$18,100,000$18,100,000
35$19,950,921$18,991,621$18,711,071$20,424,538
36$21,935,056$19,871,352$19,287,033$21,666,740
37$24,119,971$20,792,587$19,880,688$22,999,198
38$26,526,095$21,757,311$20,492,578$24,433,458
39$29,175,939$22,767,601$21,123,261$25,978,509
40$32,094,308$23,825,637$21,773,314$27,644,196
41$35,308,538$24,933,703$22,443,330$29,441,307
42$38,848,748$26,094,194$23,133,921$31,381,664
43$42,748,130$27,309,619$23,845,717$33,478,226
44$47,043,258$28,582,610$24,579,368$35,745,205
45$51,774,436$29,915,923$25,335,542$38,198,186
46$56,986,077$31,312,452$26,114,931$40,854,268
47$62,727,120$32,775,225$26,918,245$43,732,209
48$69,051,496$34,307,421$27,746,216$46,852,600
49$76,018,635$35,912,371$28,599,600$50,238,040
50$83,694,023$37,593,565$29,479,175$53,913,343
51$92,149,829$39,354,665$30,385,742$57,905,756
52$101,465,575$41,199,507$31,320,128$62,245,202
53$111,728,896$43,132,116$32,283,185$66,964,554
54$123,036,362$45,156,707$33,275,790$72,099,924
55$135,494,389$47,277,705$34,298,847$77,690,995
56$149,220,248$49,499,743$35,353,289$83,781,373
57$164,343,165$51,827,682$36,440,076$90,418,988
58$181,005,546$54,266,617$37,560,197$97,656,526
59$199,364,321$56,821,890$38,714,673$105,551,909
60$219,592,422$59,499,103$39,904,555$114,168,821
61$241,880,416$62,304,126$41,130,925$123,577,292
62$266,438,307$65,243,117$42,394,899$133,854,339
63$293,497,515$68,322,531$43,697,629$145,084,664
64$323,313,061$71,549,134$45,040,299$157,361,442
65$356,165,975$74,930,023$46,424,131$170,787,168
66$392,365,948$78,472,638$47,850,383$185,474,601
67$432,254,256$82,184,778$49,320,352$201,547,807
68$476,206,981$86,074,624$50,835,375$219,143,298
69$524,638,563$90,150,749$52,396,829$238,411,295
70$578,005,707$94,422,147$54,006,134$259,517,114
71$636,811,701$98,898,244$55,664,751$282,642,697
72$701,611,164$103,588,927$57,374,189$307,988,299
73$773,015,278$108,504,561$59,136,001$335,774,337
74$851,697,565$113,656,013$60,951,785$366,243,445
75$938,400,240$119,054,680$62,823,193$399,662,717
76$1,033,941,217$124,712,512$64,751,923$436,326,198
77$1,139,221,835$130,642,039$66,739,726$476,557,614
78$1,255,235,362$136,856,399$68,788,406$520,713,385
79$1,383,076,375$143,369,368$70,899,824$569,185,948
80$1,523,951,092$150,195,394$73,075,895$622,407,411
81$1,679,188,760$157,349,625$75,318,594$680,853,586
82$1,850,254,201$164,847,944$77,629,954$745,048,429
83$2,038,761,645$172,707,009$80,012,074$815,568,930
84$2,246,489,966$180,944,286$82,467,111$893,050,507
85$2,475,399,477$189,578,090$84,997,294$978,192,943
86$2,727,650,435$198,627,628$87,604,915$1,071,766,933
87$3,005,623,438$208,113,041$90,292,338$1,174,621,292
88$3,311,941,896$218,055,447$93,061,999$1,287,690,904
89$3,649,496,800$228,476,994$95,916,406$1,412,005,473
90$4,021,474,014$239,400,907$98,858,146$1,548,699,173
91$4,431,384,353$250,851,541$101,889,884$1,699,021,278
92$4,883,096,726$262,854,436$105,014,364$1,864,347,870
93$5,380,874,664$275,436,375$108,234,416$2,046,194,749
94$5,929,416,566$288,625,443$111,552,956$2,246,231,653
95$6,533,900,061$302,451,096$114,972,986$2,466,297,929
96$7,200,030,888$316,944,221$118,497,601$2,708,419,795
97$7,934,096,760$332,137,208$122,129,992$2,974,829,372
98$8,743,026,726$348,064,028$125,873,443$3,267,985,649
99$9,634,456,589$364,760,303$129,731,341$3,590,597,581
100$10,616,800,995$382,263,391$133,707,174$3,945,649,550