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%20%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,385,507
2 years$739,941$726,160$712,805$699,855$687,295$629,776
3 years$488,394$474,554$461,232$448,404$436,048$380,634
4 years$362,645$348,847$335,659$323,050$310,993$258,105
5 years$287,216$273,501$260,485$248,133$236,412$186,184
6 years$236,946$223,334$210,510$198,434$187,065$139,529
7 years$201,052$187,555$174,935$163,144$152,134$107,271
8 years$174,145$160,770$148,359$136,857$126,210$83,975
9 years$153,228$139,979$127,782$116,572$106,287$66,614
10 years$136,504$123,384$111,403$100,486$90,562$53,374
11 years$122,830$109,842$98,077$87,453$77,886$43,095
12 years$111,443$98,588$87,041$76,708$67,494$35,005
13 years$101,815$89,095$77,765$67,722$58,856$28,569
14 years$93,570$80,985$69,873$60,116$51,593$23,405
15 years$86,431$73,981$63,086$53,613$45,427$19,234
16 years$80,190$67,876$57,196$48,004$40,148$15,845
17 years$74,689$62,512$52,046$43,132$35,598$13,079
18 years$69,805$57,763$47,512$38,870$31,652$10,814
19 years$65,440$53,535$43,495$35,123$28,212$8,954
20 years$61,516$49,747$39,917$31,810$25,200$7,422
21 years$57,971$46,337$36,716$28,870$22,551$6,157
22 years$54,752$43,254$33,840$26,249$20,214$5,112
23 years$51,818$40,455$31,245$23,906$18,145$4,247
24 years$49,132$37,903$28,896$21,803$16,309$3,530
25 years$46,665$35,571$26,764$19,912$14,676$2,936
26 years$44,391$33,431$24,822$18,207$13,219$2,442
27 years$42,289$31,462$23,049$16,665$11,918$2,032
28 years$40,341$29,647$21,427$15,269$10,754$1,691
29 years$38,530$27,968$19,940$14,002$9,711$1,408
30 years$36,844$26,413$18,573$12,850$8,774$1,172
31 years$35,269$24,969$17,315$11,802$7,933$976
32 years$33,796$23,626$16,156$10,846$7,176$813
33 years$32,414$22,374$15,085$9,974$6,494$677
34 years$31,117$21,205$14,094$9,177$5,880$564
35 years$29,897$20,113$13,177$8,448$5,325$470
36 years$28,747$19,090$12,327$7,780$4,825$391
37 years$27,662$18,131$11,538$7,168$4,373$326
38 years$26,636$17,231$10,805$6,607$3,965$272
39 years$25,665$16,385$10,123$6,092$3,595$226
40 years$24,746$15,589$9,488$5,619$3,261$189
41 years$23,873$14,839$8,897$5,184$2,959$157
42 years$23,044$14,133$8,345$4,785$2,685$131
43 years$22,256$13,465$7,831$4,417$2,436$109
44 years$21,505$12,835$7,351$4,078$2,212$91
45 years$20,790$12,240$6,902$3,766$2,008$76
46 years$20,109$11,676$6,483$3,479$1,823$63
47 years$19,458$11,143$6,090$3,214$1,655$53
48 years$18,836$10,637$5,723$2,970$1,503$44
49 years$18,241$10,158$5,379$2,745$1,365$37
50 years$17,672$9,703$5,058$2,537$1,240$30

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 $4,216 every year, while hoping to spend $43,054 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: 43/43/14 Blend
34$18,100,000$18,100,000$18,100,000$18,100,000
35$19,950,549$18,991,249$18,710,699$20,727,098
36$21,939,696$19,876,011$19,291,698$22,156,321
37$24,130,293$20,802,683$19,890,718$23,699,124
38$26,542,842$21,773,274$20,508,316$25,369,603
39$29,199,936$22,789,889$21,145,069$27,179,497
40$32,126,470$23,854,734$21,801,569$29,141,683
41$35,349,876$24,970,123$22,478,429$31,270,294
42$38,900,386$26,138,480$23,176,278$33,580,838
43$42,811,309$27,362,350$23,895,767$36,090,343
44$47,119,353$28,644,396$24,637,566$38,817,501
45$51,864,969$29,987,413$25,402,366$41,782,841
46$57,092,729$31,394,330$26,190,879$45,008,908
47$62,851,754$32,868,218$27,003,840$48,520,471
48$69,196,169$34,412,297$27,842,005$52,344,739
49$76,185,622$36,029,943$28,706,155$56,511,611
50$83,885,838$37,724,693$29,597,095$61,053,948
51$92,369,250$39,500,259$30,515,653$66,007,863
52$101,715,671$41,360,530$31,462,686$71,413,057
53$112,013,058$43,309,584$32,439,074$77,313,175
54$123,358,333$45,351,697$33,445,726$83,756,205
55$135,858,304$47,491,351$34,483,579$90,794,918
56$149,630,671$49,733,248$35,553,599$98,487,347
57$164,805,137$52,082,314$36,656,782$106,897,318
58$181,524,630$54,543,717$37,794,153$116,095,041
59$199,946,657$57,122,873$38,966,772$126,157,748
60$220,244,786$59,825,464$40,175,729$137,170,406
61$242,610,286$62,657,444$41,422,148$149,226,499
62$267,253,934$65,625,057$42,707,189$162,428,890
63$294,408,002$68,734,852$44,032,046$176,890,771
64$324,328,452$71,993,693$45,397,953$192,736,705
65$357,297,349$75,408,779$46,806,179$210,103,785
66$393,625,525$78,987,656$48,258,033$229,142,895
67$433,655,518$82,738,240$49,754,866$250,020,114
68$477,764,795$86,668,828$51,298,069$272,918,256
69$526,369,326$90,788,122$52,889,076$298,038,562
70$579,927,503$95,105,246$54,529,366$325,602,579
71$638,944,472$99,629,767$56,220,463$355,854,209
72$703,976,900$104,371,717$57,963,940$389,061,987
73$775,638,228$109,341,616$59,761,417$425,521,580
74$854,604,465$114,550,493$61,614,562$465,558,538
75$941,620,570$120,009,917$63,525,099$509,531,333
76$1,037,507,481$125,732,015$65,494,803$557,834,705
77$1,143,169,867$131,729,507$67,525,502$610,903,341
78$1,259,604,670$138,015,730$69,619,083$669,215,942
79$1,387,910,515$144,604,669$71,777,490$733,299,692
80$1,529,298,080$151,510,990$74,002,729$803,735,189
81$1,685,101,528$158,750,073$76,296,865$881,161,876
82$1,856,791,103$166,338,045$78,662,028$966,284,025
83$2,045,987,004$174,291,818$81,100,415$1,059,877,332
84$2,254,474,688$182,629,127$83,614,288$1,162,796,179
85$2,484,221,722$191,368,570$86,205,983$1,275,981,647
86$2,737,396,357$200,529,649$88,877,903$1,400,470,327
87$3,016,388,002$210,132,819$91,632,529$1,537,404,050
88$3,323,829,777$220,199,526$94,472,418$1,688,040,591
89$3,662,623,375$230,752,263$97,400,204$1,853,765,474
90$4,035,966,453$241,814,617$100,418,605$2,036,104,973
91$4,447,382,822$253,411,325$103,530,419$2,236,740,446
92$4,900,755,717$265,568,327$106,738,535$2,457,524,120
93$5,400,364,452$278,312,827$110,045,928$2,700,496,494
94$5,950,924,825$291,673,355$113,455,666$2,967,905,509
95$6,557,633,638$305,679,829$116,970,911$3,262,227,675
96$7,226,217,755$320,363,626$120,594,922$3,586,191,350
97$7,962,988,174$335,757,653$124,331,061$3,942,802,392
98$8,774,899,608$351,896,417$128,182,791$4,335,372,429
99$9,669,616,136$368,816,110$132,153,683$4,767,550,005
100$10,655,583,569$386,554,687$136,247,418$5,243,354,904