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%18.3%
1 years$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,402,592
2 years$744,029$730,172$716,743$703,722$691,092$642,507
3 years$491,092$477,176$463,780$450,882$438,457$391,513
4 years$364,649$350,775$337,513$324,835$312,711$267,768
5 years$288,802$275,012$261,924$249,504$237,718$194,895
6 years$238,255$224,568$211,674$199,531$188,098$147,430
7 years$202,163$188,592$175,902$164,045$152,974$114,454
8 years$175,107$161,658$149,179$137,613$126,907$90,506
9 years$154,074$140,752$128,487$117,216$106,874$72,548
10 years$137,258$124,066$112,018$101,041$91,062$58,757
11 years$123,508$110,449$98,619$87,936$78,316$47,969
12 years$112,059$99,133$87,522$77,132$67,867$39,409
13 years$102,378$89,587$78,195$68,096$59,182$32,540
14 years$94,087$81,432$70,259$60,448$51,878$26,977
15 years$86,908$74,390$63,434$53,909$45,678$22,439
16 years$80,633$68,251$57,512$48,270$40,370$18,715
17 years$75,102$62,857$52,334$43,370$35,795$15,644
18 years$70,190$58,083$47,774$39,085$31,827$13,100
19 years$65,801$53,830$43,735$35,317$28,368$10,987
20 years$61,856$50,022$40,138$31,986$25,339$9,226
21 years$58,291$46,593$36,919$29,029$22,676$7,756
22 years$55,055$43,493$34,027$26,394$20,325$6,526
23 years$52,104$40,678$31,417$24,038$18,245$5,495
24 years$49,403$38,113$29,056$21,924$16,399$4,629
25 years$46,922$35,767$26,912$20,022$14,757$3,902
26 years$44,636$33,615$24,959$18,307$13,292$3,291
27 years$42,523$31,636$23,177$16,757$11,984$2,776
28 years$40,564$29,810$21,546$15,353$10,814$2,343
29 years$38,743$28,123$20,050$14,079$9,764$1,978
30 years$37,047$26,559$18,676$12,921$8,823$1,670
31 years$35,464$25,107$17,411$11,867$7,977$1,410
32 years$33,982$23,756$16,245$10,906$7,215$1,191
33 years$32,594$22,498$15,168$10,029$6,530$1,006
34 years$31,289$21,323$14,172$9,228$5,912$850
35 years$30,062$20,224$13,250$8,494$5,355$718
36 years$28,906$19,196$12,395$7,823$4,852$607
37 years$27,815$18,231$11,601$7,208$4,397$513
38 years$26,783$17,326$10,864$6,644$3,987$433
39 years$25,807$16,476$10,179$6,126$3,615$366
40 years$24,882$15,675$9,540$5,650$3,279$309
41 years$24,005$14,921$8,946$5,213$2,975$261
42 years$23,171$14,211$8,392$4,811$2,699$221
43 years$22,379$13,540$7,874$4,441$2,450$187
44 years$21,624$12,906$7,391$4,101$2,224$158
45 years$20,905$12,307$6,940$3,787$2,019$133
46 years$20,220$11,741$6,518$3,498$1,833$113
47 years$19,565$11,204$6,124$3,232$1,664$95
48 years$18,940$10,696$5,755$2,986$1,511$81
49 years$18,342$10,214$5,409$2,760$1,373$68
50 years$17,770$9,757$5,085$2,551$1,247$58

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 $3,558 every year, while hoping to spend $26,284 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: 53/38/9 Blend
34$18,200,000$18,200,000$18,200,000$18,200,000
35$20,060,070$19,095,470$18,813,370$21,077,769
36$22,078,231$20,003,182$19,415,652$22,676,744
37$24,301,364$20,954,491$20,037,229$24,412,280
38$26,750,347$21,951,506$20,678,721$26,299,801
39$29,448,190$22,996,437$21,340,765$28,353,684
40$32,420,246$24,091,602$22,024,021$30,589,724
41$35,694,454$25,239,434$22,729,169$33,025,271
42$39,301,602$26,442,480$23,456,910$35,679,390
43$43,275,619$27,703,415$24,207,970$38,573,028
44$47,653,891$29,025,041$24,983,096$41,729,209
45$52,477,618$30,410,298$25,783,059$45,173,240
46$57,792,200$31,862,268$26,608,657$48,932,940
47$63,647,668$33,384,183$27,460,711$53,038,895
48$70,099,155$34,979,432$28,340,069$57,524,737
49$77,207,415$36,651,571$29,247,608$62,427,447
50$85,039,400$38,404,326$30,184,232$67,787,699
51$93,668,887$40,241,607$31,150,872$73,650,229
52$103,177,179$42,167,511$32,148,492$80,064,246
53$113,653,870$44,186,338$33,178,085$87,083,884
54$125,197,691$46,302,595$34,240,677$94,768,700
55$137,917,442$48,521,009$35,337,326$103,184,223
56$151,933,020$50,846,537$36,469,125$112,402,558
57$167,376,549$53,284,378$37,637,202$122,503,050
58$184,393,628$55,839,983$38,842,719$133,573,020
59$203,144,706$58,519,070$40,086,878$145,708,570
60$223,806,596$61,327,635$41,370,919$159,015,475
61$246,574,145$64,271,965$42,696,120$173,610,162
62$271,662,071$67,358,655$44,063,804$189,620,792
63$299,306,992$70,594,619$45,475,331$207,188,447
64$329,769,660$73,987,110$46,932,110$226,468,444
65$363,337,421$77,543,734$48,435,591$247,631,777
66$400,326,928$81,272,467$49,987,273$270,866,710
67$441,087,131$85,181,674$51,588,703$296,380,529
68$486,002,571$89,280,129$53,241,477$324,401,474
69$535,497,009$93,577,031$54,947,243$355,180,868
70$590,037,428$98,082,030$56,707,700$388,995,462
71$650,138,442$102,805,245$58,524,603$426,150,019
72$716,367,150$107,757,289$60,399,765$466,980,158
73$789,348,496$112,949,293$62,335,054$511,855,494
74$869,771,165$118,392,930$64,332,400$561,183,093
75$958,394,082$124,100,443$66,393,794$615,411,281
76$1,056,053,585$130,084,670$68,521,292$675,033,835
77$1,163,671,311$136,359,079$70,717,015$740,594,615
78$1,282,262,903$142,937,793$72,983,154$812,692,650
79$1,412,947,596$149,835,622$75,321,967$891,987,755
80$1,556,958,786$157,068,102$77,735,788$979,206,716
81$1,715,655,669$164,651,526$80,227,023$1,075,150,105
82$1,890,536,077$172,602,981$82,798,159$1,180,699,788
83$2,083,250,618$180,940,388$85,451,758$1,296,827,202
84$2,295,618,258$189,682,543$88,190,468$1,424,602,472
85$2,529,643,493$198,849,161$91,017,022$1,565,204,455
86$2,787,535,276$208,460,917$93,934,239$1,719,931,818
87$3,071,727,867$218,539,495$96,945,029$1,890,215,228
88$3,384,903,818$229,107,639$100,052,397$2,077,630,804
89$3,730,019,298$240,189,203$103,259,442$2,283,914,922
90$4,110,331,997$251,809,205$106,569,364$2,510,980,540
91$4,529,431,891$263,993,886$109,985,467$2,760,935,186
92$4,991,275,123$276,770,765$113,511,160$3,036,100,773
93$5,500,221,362$290,168,709$117,149,960$3,339,035,444
94$6,061,074,957$304,217,992$120,905,500$3,672,557,632
95$6,679,130,295$318,950,367$124,781,527$4,039,772,584
96$7,360,221,788$334,399,137$128,781,911$4,444,101,581
97$8,110,778,949$350,599,234$132,910,644$4,889,314,142
98$8,937,887,099$367,587,293$137,171,847$5,379,563,506
99$9,849,354,254$385,401,741$141,569,775$5,919,425,737
100$10,853,784,842$404,082,881$146,108,817$6,513,942,812