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%17.7%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,398,238
2 years$739,941$726,160$712,805$699,855$687,295$642,277
3 years$488,394$474,554$461,232$448,404$436,048$392,507
4 years$362,645$348,847$335,659$323,050$310,993$269,261
5 years$287,216$273,501$260,485$248,133$236,412$196,603
6 years$236,946$223,334$210,510$198,434$187,065$149,212
7 years$201,052$187,555$174,935$163,144$152,134$116,234
8 years$174,145$160,770$148,359$136,857$126,210$92,240
9 years$153,228$139,979$127,782$116,572$106,287$74,210
10 years$136,504$123,384$111,403$100,486$90,562$60,329
11 years$122,830$109,842$98,077$87,453$77,886$49,444
12 years$111,443$98,588$87,041$76,708$67,494$40,783
13 years$101,815$89,095$77,765$67,722$58,856$33,812
14 years$93,570$80,985$69,873$60,116$51,593$28,149
15 years$86,431$73,981$63,086$53,613$45,427$23,514
16 years$80,190$67,876$57,196$48,004$40,148$19,696
17 years$74,689$62,512$52,046$43,132$35,598$16,537
18 years$69,805$57,763$47,512$38,870$31,652$13,910
19 years$65,440$53,535$43,495$35,123$28,212$11,719
20 years$61,516$49,747$39,917$31,810$25,200$9,886
21 years$57,971$46,337$36,716$28,870$22,551$8,349
22 years$54,752$43,254$33,840$26,249$20,214$7,058
23 years$51,818$40,455$31,245$23,906$18,145$5,971
24 years$49,132$37,903$28,896$21,803$16,309$5,055
25 years$46,665$35,571$26,764$19,912$14,676$4,281
26 years$44,391$33,431$24,822$18,207$13,219$3,628
27 years$42,289$31,462$23,049$16,665$11,918$3,076
28 years$40,341$29,647$21,427$15,269$10,754$2,608
29 years$38,530$27,968$19,940$14,002$9,711$2,213
30 years$36,844$26,413$18,573$12,850$8,774$1,877
31 years$35,269$24,969$17,315$11,802$7,933$1,593
32 years$33,796$23,626$16,156$10,846$7,176$1,352
33 years$32,414$22,374$15,085$9,974$6,494$1,148
34 years$31,117$21,205$14,094$9,177$5,880$975
35 years$29,897$20,113$13,177$8,448$5,325$828
36 years$28,747$19,090$12,327$7,780$4,825$703
37 years$27,662$18,131$11,538$7,168$4,373$597
38 years$26,636$17,231$10,805$6,607$3,965$507
39 years$25,665$16,385$10,123$6,092$3,595$431
40 years$24,746$15,589$9,488$5,619$3,261$366
41 years$23,873$14,839$8,897$5,184$2,959$311
42 years$23,044$14,133$8,345$4,785$2,685$264
43 years$22,256$13,465$7,831$4,417$2,436$224
44 years$21,505$12,835$7,351$4,078$2,212$190
45 years$20,790$12,240$6,902$3,766$2,008$162
46 years$20,109$11,676$6,483$3,479$1,823$137
47 years$19,458$11,143$6,090$3,214$1,655$117
48 years$18,836$10,637$5,723$2,970$1,503$99
49 years$18,241$10,158$5,379$2,745$1,365$84
50 years$17,672$9,703$5,058$2,537$1,240$72

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 $6,300 every year, while hoping to spend $51,555 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: 69/7/24 Blend
34$18,100,000$18,100,000$18,100,000$18,100,000
35$19,952,698$18,993,398$18,712,848$21,207,321
36$21,933,020$19,869,221$19,284,875$22,924,336
37$24,113,606$20,786,231$19,874,336$24,796,098
38$26,514,829$21,746,392$20,481,762$26,843,257
39$29,159,139$22,751,762$21,107,698$29,083,169
40$32,071,272$23,804,499$21,752,707$31,534,942
41$35,278,486$24,906,864$22,417,367$34,219,613
42$38,810,818$26,061,227$23,102,276$37,160,343
43$42,701,367$27,270,073$23,808,048$40,382,634
44$46,986,606$28,536,005$24,535,316$43,914,568
45$51,706,724$29,861,754$25,284,733$47,787,068
46$56,906,010$31,250,180$26,056,972$52,034,186
47$62,633,266$32,704,283$26,852,724$56,693,423
48$68,942,273$34,227,206$27,672,704$61,806,081
49$75,892,291$35,822,245$28,517,646$67,417,644
50$83,548,625$37,492,856$29,388,307$73,578,211
51$91,983,238$39,242,659$30,285,469$80,342,960
52$101,275,430$41,075,451$31,209,934$87,772,668
53$111,512,587$42,995,211$32,162,530$95,934,280
54$122,791,007$45,006,113$33,144,111$104,901,537
55$135,216,806$47,112,528$34,155,555$114,755,666
56$148,906,922$49,319,044$35,197,767$125,586,146
57$163,990,217$51,630,465$36,271,681$137,491,545
58$180,608,693$54,051,833$37,378,257$150,580,450
59$198,918,836$56,588,428$38,518,484$164,972,480
60$219,093,086$59,245,791$39,693,383$180,799,417
61$241,321,474$62,029,727$40,904,003$198,206,443
62$265,813,404$64,946,324$42,151,428$217,353,501
63$292,799,642$68,001,964$43,436,771$238,416,805
64$322,534,483$71,203,338$44,761,181$261,590,495
65$355,298,161$74,557,462$46,125,841$287,088,461
66$391,399,487$78,071,691$47,531,970$315,146,360
67$431,178,766$81,753,736$48,980,823$346,023,833
68$475,011,013$85,611,682$50,473,693$380,006,947
69$523,309,487$89,654,005$52,011,913$417,410,891
70$576,529,598$93,889,594$53,596,854$458,582,940
71$635,173,199$98,327,767$55,229,932$503,905,731
72$699,793,332$102,978,294$56,912,601$553,800,864
73$770,999,441$107,851,419$58,646,362$608,732,873
74$849,463,130$112,957,885$60,432,761$669,213,604
75$935,924,500$118,308,952$62,273,389$735,807,039
76$1,031,199,138$123,916,429$64,169,887$809,134,606
77$1,136,185,814$129,792,698$66,123,942$889,881,043
78$1,251,874,969$135,950,743$68,137,296$978,800,844
79$1,379,358,061$142,404,174$70,211,741$1,076,725,379
80$1,519,837,872$149,167,267$72,349,123$1,184,570,724
81$1,674,639,860$156,254,988$74,551,343$1,303,346,303
82$1,845,224,674$163,683,031$76,820,362$1,434,164,404
83$2,033,201,943$171,467,852$79,158,196$1,578,250,665
84$2,240,345,471$179,626,706$81,566,925$1,736,955,634
85$2,468,609,981$188,177,688$84,048,690$1,911,767,504
86$2,720,149,574$197,139,769$86,605,696$2,104,326,152
87$2,997,338,059$206,532,846$89,240,215$2,316,438,598
88$3,302,791,366$216,377,780$91,954,587$2,550,096,058
89$3,639,392,242$226,696,448$94,751,222$2,807,492,719
90$4,010,317,466$237,511,790$97,632,604$3,091,046,441
91$4,419,067,841$248,847,860$100,601,289$3,403,421,566
92$4,869,501,240$260,729,885$103,659,912$3,747,554,051
93$5,365,869,034$273,184,317$106,811,186$4,126,679,168
94$5,912,856,220$286,238,893$110,057,905$4,544,362,027
95$6,515,625,659$299,922,703$113,402,949$5,004,531,214
96$7,179,866,810$314,266,249$116,849,282$5,511,515,857
97$7,911,849,450$329,301,521$120,399,959$6,070,086,476
98$8,718,482,860$345,062,062$124,058,124$6,685,499,994
99$9,607,381,059$361,583,050$127,827,017$7,363,549,346
100$10,586,934,681$378,901,374$131,709,977$8,110,618,142