Can I retire at age 35 with 18,200,000?

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 $18,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,416,784
2 years$744,029$730,172$716,743$703,722$691,092$656,527
3 years$491,092$477,176$463,780$450,882$438,457$404,915
4 years$364,649$350,775$337,513$324,835$312,711$280,451
5 years$288,802$275,012$261,924$249,504$237,718$206,830
6 years$238,255$224,568$211,674$199,531$188,098$158,614
7 years$202,163$188,592$175,902$164,045$152,974$124,897
8 years$175,107$161,658$149,179$137,613$126,907$100,226
9 years$154,074$140,752$128,487$117,216$106,874$81,568
10 years$137,258$124,066$112,018$101,041$91,062$67,103
11 years$123,508$110,449$98,619$87,936$78,316$55,670
12 years$112,059$99,133$87,522$77,132$67,867$46,497
13 years$102,378$89,587$78,195$68,096$59,182$39,046
14 years$94,087$81,432$70,259$60,448$51,878$32,935
15 years$86,908$74,390$63,434$53,909$45,678$27,881
16 years$80,633$68,251$57,512$48,270$40,370$23,675
17 years$75,102$62,857$52,334$43,370$35,795$20,154
18 years$70,190$58,083$47,774$39,085$31,827$17,193
19 years$65,801$53,830$43,735$35,317$28,368$14,693
20 years$61,856$50,022$40,138$31,986$25,339$12,576
21 years$58,291$46,593$36,919$29,029$22,676$10,777
22 years$55,055$43,493$34,027$26,394$20,325$9,246
23 years$52,104$40,678$31,417$24,038$18,245$7,940
24 years$49,403$38,113$29,056$21,924$16,399$6,823
25 years$46,922$35,767$26,912$20,022$14,757$5,868
26 years$44,636$33,615$24,959$18,307$13,292$5,049
27 years$42,523$31,636$23,177$16,757$11,984$4,347
28 years$40,564$29,810$21,546$15,353$10,814$3,744
29 years$38,743$28,123$20,050$14,079$9,764$3,226
30 years$37,047$26,559$18,676$12,921$8,823$2,780
31 years$35,464$25,107$17,411$11,867$7,977$2,397
32 years$33,982$23,756$16,245$10,906$7,215$2,067
33 years$32,594$22,498$15,168$10,029$6,530$1,782
34 years$31,289$21,323$14,172$9,228$5,912$1,538
35 years$30,062$20,224$13,250$8,494$5,355$1,327
36 years$28,906$19,196$12,395$7,823$4,852$1,145
37 years$27,815$18,231$11,601$7,208$4,397$988
38 years$26,783$17,326$10,864$6,644$3,987$852
39 years$25,807$16,476$10,179$6,126$3,615$736
40 years$24,882$15,675$9,540$5,650$3,279$635
41 years$24,005$14,921$8,946$5,213$2,975$548
42 years$23,171$14,211$8,392$4,811$2,699$473
43 years$22,379$13,540$7,874$4,441$2,450$409
44 years$21,624$12,906$7,391$4,101$2,224$353
45 years$20,905$12,307$6,940$3,787$2,019$305
46 years$20,220$11,741$6,518$3,498$1,833$263
47 years$19,565$11,204$6,124$3,232$1,664$227
48 years$18,940$10,696$5,755$2,986$1,511$196
49 years$18,342$10,214$5,409$2,760$1,373$169
50 years$17,770$9,757$5,085$2,551$1,247$146

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,200,000, adding $3,358 every year, while hoping to spend $29,695 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: 63/17/20 Blend
34$18,200,000$18,200,000$18,200,000$18,200,000
35$20,059,864$19,095,264$18,813,164$21,220,426
36$22,074,375$19,999,336$19,411,810$22,906,763
37$24,293,370$20,946,713$20,029,515$24,744,027
38$26,737,677$21,939,485$20,666,886$26,749,879
39$29,430,244$22,979,844$21,324,551$28,940,771
40$32,396,361$24,070,088$22,003,155$31,334,804
41$35,663,894$25,212,627$22,703,366$33,951,894
42$39,263,554$26,409,989$23,425,871$36,813,954
43$43,229,181$27,664,822$24,171,382$39,945,096
44$47,598,065$28,979,906$24,940,631$43,371,858
45$52,411,299$30,358,153$25,734,374$47,123,445
46$57,714,168$31,802,619$26,553,391$51,232,001
47$63,556,572$33,316,506$27,398,489$55,732,910
48$69,993,502$34,903,174$28,270,497$60,665,118
49$77,085,554$36,566,145$29,170,274$66,071,502
50$84,899,506$38,309,112$30,098,704$71,999,264
51$93,508,945$40,135,948$31,056,700$78,500,373
52$102,994,962$42,050,714$32,045,204$85,632,044
53$113,446,918$44,057,668$33,065,188$93,457,280
54$124,963,287$46,161,278$34,117,656$102,045,450
55$137,652,587$48,366,225$35,203,641$111,472,942
56$151,634,401$50,677,420$36,324,214$121,823,876
57$167,040,509$53,100,013$37,480,474$133,190,888
58$184,016,132$55,639,404$38,673,561$145,675,996
59$202,721,299$58,301,257$39,904,647$159,391,555
60$223,332,362$61,091,509$41,174,943$174,461,308
61$246,043,658$64,016,388$42,485,699$191,021,546
62$271,069,346$67,082,426$43,838,204$209,222,381
63$298,645,424$70,296,470$45,233,790$229,229,154
64$329,031,964$73,665,703$46,673,828$251,223,986
65$362,515,558$77,197,657$48,159,735$275,407,485
66$399,412,033$80,900,230$49,692,974$302,000,626
67$440,069,425$84,781,705$51,275,053$331,246,826
68$484,871,267$88,850,770$52,907,528$363,414,228
69$534,240,213$93,116,534$54,592,007$398,798,221
70$588,642,021$97,588,550$56,330,146$437,724,208
71$648,589,957$102,276,839$58,123,655$480,550,669
72$714,649,635$107,191,907$59,974,301$527,672,528
73$787,444,361$112,344,774$61,883,903$579,524,861
74$867,661,014$117,746,996$63,854,342$636,586,991
75$956,056,531$123,410,692$65,887,556$699,386,991
76$1,053,465,055$129,348,574$67,985,546$768,506,654
77$1,160,805,807$135,573,970$70,150,379$844,586,964
78$1,279,091,766$142,100,862$72,384,183$928,334,123
79$1,409,439,232$148,943,910$74,689,159$1,020,526,204
80$1,553,078,363$156,118,490$77,067,575$1,122,020,468
81$1,711,364,789$163,640,730$79,521,772$1,233,761,435
82$1,885,792,412$171,527,540$82,054,166$1,356,789,776
83$2,078,007,509$179,796,660$84,667,251$1,492,252,114
84$2,289,824,269$188,466,691$87,363,598$1,641,411,819
85$2,523,241,929$197,557,143$90,145,863$1,805,660,907
86$2,780,463,641$207,088,478$93,016,785$1,986,533,156
87$3,063,917,275$217,082,157$95,979,190$2,185,718,550
88$3,376,278,340$227,560,685$99,035,996$2,405,079,205
89$3,720,495,240$238,547,669$102,190,212$2,646,666,911
90$4,099,817,115$250,067,864$105,444,944$2,912,742,474
91$4,517,824,509$262,147,238$108,803,397$3,205,797,015
92$4,978,463,177$274,813,021$112,268,880$3,528,575,456
93$5,486,081,338$288,093,775$115,844,804$3,884,102,389
94$6,045,470,720$302,019,456$119,534,691$4,275,710,590
95$6,661,911,806$316,621,482$123,342,175$4,707,072,441
96$7,341,223,680$331,932,804$127,271,007$5,182,234,552
97$8,089,818,965$347,987,982$131,325,057$5,705,655,915
98$8,914,764,370$364,823,264$135,508,317$6,282,249,950
99$9,823,847,399$382,476,666$139,824,908$6,917,430,844
100$10,825,649,873$400,988,062$144,279,082$7,617,164,602