Can I retire at age 35 with 18,300,000?

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 $18,300,000?

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$1,511,197$1,497,736$1,484,603$1,471,784$1,459,268$1,424,569
2 years$748,117$734,184$720,681$707,589$694,889$660,134
3 years$493,791$479,798$466,328$453,359$440,866$407,140
4 years$366,652$352,702$339,368$326,620$314,430$281,992
5 years$290,389$276,523$263,363$250,875$239,024$207,967
6 years$239,564$225,802$212,837$200,627$189,132$159,485
7 years$203,274$189,628$176,868$164,946$153,815$125,584
8 years$176,069$162,546$149,998$138,369$127,604$100,777
9 years$154,921$141,526$129,193$117,860$107,461$82,016
10 years$138,012$124,748$112,634$101,597$91,562$67,471
11 years$124,187$111,056$99,161$88,419$78,747$55,976
12 years$112,674$99,678$88,003$77,556$68,240$46,752
13 years$102,940$90,079$78,625$68,470$59,507$39,260
14 years$94,604$81,880$70,645$60,780$52,163$33,116
15 years$87,386$74,799$63,783$54,205$45,929$28,034
16 years$81,076$68,626$57,828$48,535$40,592$23,805
17 years$75,514$63,202$52,621$43,608$35,992$20,264
18 years$70,576$58,402$48,037$39,300$32,002$17,287
19 years$66,163$54,126$43,975$35,511$28,524$14,774
20 years$62,196$50,297$40,358$32,162$25,478$12,645
21 years$58,611$46,849$37,122$29,189$22,800$10,836
22 years$55,357$43,732$34,214$26,539$20,437$9,297
23 years$52,390$40,902$31,590$24,170$18,346$7,983
24 years$49,675$38,322$29,216$22,044$16,489$6,861
25 years$47,180$35,964$27,059$20,132$14,838$5,900
26 years$44,881$33,800$25,096$18,408$13,365$5,077
27 years$42,756$31,810$23,304$16,849$12,050$4,371
28 years$40,787$29,974$21,664$15,437$10,873$3,764
29 years$38,956$28,277$20,160$14,156$9,818$3,243
30 years$37,251$26,705$18,779$12,992$8,871$2,795
31 years$35,659$25,245$17,507$11,932$8,020$2,410
32 years$34,169$23,887$16,334$10,966$7,255$2,078
33 years$32,773$22,621$15,251$10,084$6,566$1,792
34 years$31,461$21,440$14,250$9,278$5,945$1,546
35 years$30,227$20,335$13,323$8,541$5,384$1,334
36 years$29,065$19,301$12,463$7,866$4,878$1,151
37 years$27,967$18,332$11,665$7,248$4,421$993
38 years$26,930$17,422$10,924$6,680$4,008$857
39 years$25,949$16,566$10,235$6,160$3,635$740
40 years$25,019$15,761$9,593$5,681$3,297$639
41 years$24,137$15,003$8,995$5,242$2,991$551
42 years$23,299$14,289$8,438$4,838$2,714$476
43 years$22,502$13,614$7,918$4,466$2,463$411
44 years$21,743$12,977$7,432$4,123$2,236$355
45 years$21,020$12,375$6,978$3,808$2,030$306
46 years$20,331$11,805$6,554$3,517$1,843$264
47 years$19,673$11,266$6,158$3,250$1,674$228
48 years$19,044$10,755$5,786$3,003$1,520$197
49 years$18,443$10,270$5,439$2,775$1,380$170
50 years$17,867$9,810$5,113$2,565$1,254$147

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,300,000, adding $2,377 every year, while hoping to spend $24,392 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: 58/27/15 Blend
34$18,300,000$18,300,000$18,300,000$18,300,000
35$20,169,052$19,199,152$18,915,502$21,261,213
36$22,200,342$20,113,957$19,523,218$22,915,043
37$24,438,007$21,072,771$20,150,476$24,714,137
38$26,903,070$22,077,723$20,797,903$26,674,772
39$29,618,699$23,131,048$21,466,149$28,812,489
40$32,610,426$24,235,089$22,155,884$31,144,374
41$35,906,383$25,392,302$22,867,800$33,689,212
42$39,537,573$26,605,264$23,602,611$36,467,659
43$43,538,160$27,876,676$24,361,053$39,502,430
44$47,945,791$29,209,372$25,143,887$42,818,508
45$52,801,953$30,606,322$25,951,898$46,443,374
46$58,152,362$32,070,642$26,785,896$50,407,255
47$64,047,399$33,605,599$27,646,719$54,743,408
48$70,542,579$35,214,618$28,535,230$59,488,420
49$77,699,081$36,901,294$29,452,320$64,682,551
50$85,584,323$38,669,393$30,398,908$70,370,101
51$94,272,598$40,522,868$31,375,946$76,599,821
52$103,845,776$42,465,860$32,384,412$83,425,365
53$114,394,074$44,502,717$33,425,319$90,905,785
54$126,016,914$46,637,994$34,499,711$99,106,079
55$138,823,855$48,876,471$35,608,667$108,097,793
56$152,935,630$51,223,160$36,753,300$117,959,689
57$168,485,286$53,683,317$37,934,757$128,778,470
58$185,619,439$56,262,453$39,154,225$140,649,594
59$204,499,658$58,966,350$40,412,928$153,678,155
60$225,303,991$61,801,069$41,712,129$167,979,867
61$248,228,645$64,772,968$43,053,132$183,682,143
62$273,489,838$67,888,716$44,437,284$200,925,276
63$301,325,843$71,155,304$45,865,974$219,863,757
64$331,999,231$74,580,066$47,340,636$240,667,711
65$365,799,356$78,170,693$48,862,752$263,524,489
66$403,045,085$81,935,251$50,433,848$288,640,420
67$444,087,805$85,882,200$52,055,504$316,242,736
68$489,314,745$90,020,411$53,729,346$346,581,706
69$539,152,627$94,359,189$55,457,057$379,932,967
70$594,071,697$98,908,292$57,240,371$416,600,118
71$654,590,167$103,677,955$59,081,080$456,917,551
72$721,279,099$108,678,910$60,981,032$501,253,598
73$794,767,806$113,922,416$62,942,135$550,013,971
74$875,749,786$119,420,277$64,966,360$603,645,577
75$964,989,271$125,184,878$67,055,740$662,640,706
76$1,063,328,443$131,229,203$69,212,373$727,541,649
77$1,171,695,383$137,566,874$71,438,428$798,945,795
78$1,291,112,837$144,212,175$73,736,139$877,511,231
79$1,422,707,863$151,180,088$76,107,816$963,962,932
80$1,567,722,479$158,486,326$78,555,843$1,059,099,566
81$1,727,525,386$166,147,371$81,082,678$1,163,801,000
82$1,903,624,890$174,180,506$83,690,861$1,279,036,572
83$2,097,683,137$182,603,860$86,383,014$1,405,874,203
84$2,311,531,814$191,436,446$89,161,842$1,545,490,437
85$2,547,189,434$200,698,206$92,030,138$1,699,181,507
86$2,806,880,394$210,410,056$94,990,786$1,868,375,532
87$3,093,055,977$220,593,932$98,046,760$2,054,645,948
88$3,408,417,495$231,272,842$101,201,134$2,259,726,318
89$3,755,941,785$242,470,918$104,457,079$2,485,526,645
90$4,138,909,324$254,213,469$107,817,867$2,734,151,353
91$4,560,935,187$266,527,042$111,286,878$3,007,919,098
92$5,026,003,188$279,439,478$114,867,601$3,309,384,601
93$5,538,503,483$292,979,982$118,563,634$3,641,362,703
94$6,103,274,018$307,179,181$122,378,696$4,006,954,878
95$6,725,646,208$322,069,201$126,316,622$4,409,578,447
96$7,411,495,266$337,683,737$130,381,374$4,852,998,768
97$8,167,295,672$354,058,129$134,577,039$5,341,364,715
98$9,000,182,298$371,229,444$138,907,837$5,879,247,764
99$9,918,017,767$389,236,562$143,378,125$6,471,685,078
100$10,929,466,686$408,120,260$147,992,399$7,124,226,973