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%18.6%
1 years$1,511,197$1,497,736$1,484,603$1,471,784$1,459,268$1,408,613
2 years$748,117$734,184$720,681$707,589$694,889$644,379
3 years$493,791$479,798$466,328$453,359$440,866$392,088
4 years$366,652$352,702$339,368$326,620$314,430$267,755
5 years$290,389$276,523$263,363$250,875$239,024$194,578
6 years$239,564$225,802$212,837$200,627$189,132$146,947
7 years$203,274$189,628$176,868$164,946$153,815$113,884
8 years$176,069$162,546$149,998$138,369$127,604$89,896
9 years$154,921$141,526$129,193$117,860$107,461$71,927
10 years$138,012$124,748$112,634$101,597$91,562$58,143
11 years$124,187$111,056$99,161$88,419$78,747$47,376
12 years$112,674$99,678$88,003$77,556$68,240$38,844
13 years$102,940$90,079$78,625$68,470$59,507$32,008
14 years$94,604$81,880$70,645$60,780$52,163$26,481
15 years$87,386$74,799$63,783$54,205$45,929$21,980
16 years$81,076$68,626$57,828$48,535$40,592$18,292
17 years$75,514$63,202$52,621$43,608$35,992$15,256
18 years$70,576$58,402$48,037$39,300$32,002$12,747
19 years$66,163$54,126$43,975$35,511$28,524$10,667
20 years$62,196$50,297$40,358$32,162$25,478$8,937
21 years$58,611$46,849$37,122$29,189$22,800$7,495
22 years$55,357$43,732$34,214$26,539$20,437$6,291
23 years$52,390$40,902$31,590$24,170$18,346$5,285
24 years$49,675$38,322$29,216$22,044$16,489$4,442
25 years$47,180$35,964$27,059$20,132$14,838$3,735
26 years$44,881$33,800$25,096$18,408$13,365$3,143
27 years$42,756$31,810$23,304$16,849$12,050$2,645
28 years$40,787$29,974$21,664$15,437$10,873$2,226
29 years$38,956$28,277$20,160$14,156$9,818$1,875
30 years$37,251$26,705$18,779$12,992$8,871$1,579
31 years$35,659$25,245$17,507$11,932$8,020$1,330
32 years$34,169$23,887$16,334$10,966$7,255$1,121
33 years$32,773$22,621$15,251$10,084$6,566$944
34 years$31,461$21,440$14,250$9,278$5,945$796
35 years$30,227$20,335$13,323$8,541$5,384$671
36 years$29,065$19,301$12,463$7,866$4,878$565
37 years$27,967$18,332$11,665$7,248$4,421$476
38 years$26,930$17,422$10,924$6,680$4,008$402
39 years$25,949$16,566$10,235$6,160$3,635$339
40 years$25,019$15,761$9,593$5,681$3,297$285
41 years$24,137$15,003$8,995$5,242$2,991$241
42 years$23,299$14,289$8,438$4,838$2,714$203
43 years$22,502$13,614$7,918$4,466$2,463$171
44 years$21,743$12,977$7,432$4,123$2,236$144
45 years$21,020$12,375$6,978$3,808$2,030$122
46 years$20,331$11,805$6,554$3,517$1,843$102
47 years$19,673$11,266$6,158$3,250$1,674$86
48 years$19,044$10,755$5,786$3,003$1,520$73
49 years$18,443$10,270$5,439$2,775$1,380$61
50 years$17,867$9,810$5,113$2,565$1,254$52

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 $3,753 every year, while hoping to spend $45,365 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: 59/30/11 Blend
34$18,300,000$18,300,000$18,300,000$18,300,000
35$20,170,471$19,200,571$18,916,921$21,307,123
36$22,179,591$20,093,131$19,502,370$22,964,954
37$24,392,121$21,027,906$20,105,911$24,766,404
38$26,828,761$22,006,917$20,728,102$26,729,610
39$29,512,320$23,032,281$21,369,519$28,870,135
40$32,467,933$24,106,220$22,030,755$31,205,088
41$35,723,298$25,231,060$22,712,421$33,753,278
42$39,308,934$26,409,242$23,415,147$36,535,390
43$43,258,474$27,643,323$24,139,583$39,574,169
44$47,608,978$28,935,986$24,886,398$42,894,630
45$52,401,285$30,290,040$25,656,284$46,524,291
46$57,680,397$31,708,433$26,449,950$50,493,418
47$63,495,905$33,194,254$27,268,131$54,835,311
48$69,902,456$34,750,741$28,111,582$59,586,604
49$76,960,270$36,381,291$28,981,083$64,787,610
50$84,735,705$38,089,462$29,877,437$70,482,685
51$93,301,887$39,878,986$30,801,472$76,720,642
52$102,739,399$41,753,775$31,754,041$83,555,202
53$113,137,040$43,717,932$32,736,023$91,045,493
54$124,592,664$45,775,757$33,748,326$99,256,595
55$137,214,104$47,931,758$34,791,884$108,260,142
56$151,120,191$50,190,662$35,867,660$118,134,994
57$166,441,872$52,557,425$36,976,647$128,967,961
58$183,323,447$55,037,244$38,119,869$140,854,619
59$201,923,935$57,635,565$39,298,382$153,900,192
60$222,418,570$60,358,102$40,513,271$168,220,534
61$245,000,457$63,210,842$41,765,659$183,943,212
62$269,882,396$66,200,064$43,056,700$201,208,691
63$297,298,886$69,332,354$44,387,585$220,171,645
64$327,508,346$72,614,613$45,759,543$241,002,406
65$360,795,547$76,054,079$47,173,838$263,888,547
66$397,474,306$79,658,341$48,631,774$289,036,643
67$437,890,443$83,435,358$50,134,696$316,674,196
68$482,425,049$87,393,471$51,683,989$347,051,768
69$531,498,083$91,541,430$53,281,082$380,445,324
70$585,572,335$95,888,408$54,927,446$417,158,815
71$645,157,796$100,444,023$56,624,599$457,527,026
72$710,816,473$105,218,362$58,374,104$501,918,715
73$783,167,691$110,222,000$60,177,575$550,740,067
74$862,893,944$115,466,026$62,036,672$604,438,505
75$950,747,333$120,962,068$63,953,107$663,506,884
76$1,047,556,672$126,722,320$65,928,647$728,488,121
77$1,154,235,306$132,759,567$67,965,110$799,980,285
78$1,271,789,738$139,087,217$70,064,372$878,642,218
79$1,401,329,129$145,719,328$72,228,366$965,199,718
80$1,544,075,768$152,670,643$74,459,085$1,060,452,359
81$1,701,376,613$159,956,621$76,758,581$1,165,281,005
82$1,874,716,006$167,593,474$79,128,971$1,280,656,089
83$2,065,729,684$175,598,199$81,572,437$1,407,646,732
84$2,276,220,225$183,988,625$84,091,227$1,547,430,802
85$2,508,174,065$192,783,444$86,687,660$1,701,305,983
86$2,763,780,246$202,002,260$89,364,124$1,870,701,991
87$3,045,451,090$211,665,629$92,123,080$2,057,194,018
88$3,355,844,965$221,795,109$94,967,067$2,262,517,554
89$3,697,891,388$232,413,306$97,898,701$2,488,584,726
90$4,074,818,679$243,543,927$100,920,676$2,737,502,290
91$4,490,184,438$255,211,833$104,035,773$3,011,591,467
92$4,947,909,133$267,443,096$107,246,854$3,313,409,797
93$5,452,313,112$280,265,055$110,556,871$3,645,775,225
94$6,008,157,391$293,706,384$113,968,868$4,011,792,637
95$6,620,688,599$307,797,151$117,485,979$4,414,883,106
96$7,295,688,514$322,568,889$121,111,437$4,858,816,122
97$8,039,528,645$338,054,667$124,848,572$5,347,745,096
98$8,859,230,386$354,289,165$128,700,819$5,886,246,506
99$9,762,531,303$371,308,753$132,671,715$6,479,363,009
100$10,757,958,187$389,151,572$136,764,907$7,132,650,972