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%13.4%
1 years$1,511,197$1,497,736$1,484,603$1,471,784$1,459,268$1,438,649
2 years$748,117$734,184$720,681$707,589$694,889$674,156
3 years$493,791$479,798$466,328$453,359$440,866$420,663
4 years$366,652$352,702$339,368$326,620$314,430$294,912
5 years$290,389$276,523$263,363$250,875$239,024$220,249
6 years$239,564$225,802$212,837$200,627$189,132$171,121
7 years$203,274$189,628$176,868$164,946$153,815$136,575
8 years$176,069$162,546$149,998$138,369$127,604$111,133
9 years$154,921$141,526$129,193$117,860$107,461$91,751
10 years$138,012$124,748$112,634$101,597$91,562$76,601
11 years$124,187$111,056$99,161$88,419$78,747$64,520
12 years$112,674$99,678$88,003$77,556$68,240$54,731
13 years$102,940$90,079$78,625$68,470$59,507$46,697
14 years$94,604$81,880$70,645$60,780$52,163$40,033
15 years$87,386$74,799$63,783$54,205$45,929$34,457
16 years$81,076$68,626$57,828$48,535$40,592$29,757
17 years$75,514$63,202$52,621$43,608$35,992$25,771
18 years$70,576$58,402$48,037$39,300$32,002$22,372
19 years$66,163$54,126$43,975$35,511$28,524$19,462
20 years$62,196$50,297$40,358$32,162$25,478$16,960
21 years$58,611$46,849$37,122$29,189$22,800$14,802
22 years$55,357$43,732$34,214$26,539$20,437$12,935
23 years$52,390$40,902$31,590$24,170$18,346$11,317
24 years$49,675$38,322$29,216$22,044$16,489$9,911
25 years$47,180$35,964$27,059$20,132$14,838$8,687
26 years$44,881$33,800$25,096$18,408$13,365$7,620
27 years$42,756$31,810$23,304$16,849$12,050$6,688
28 years$40,787$29,974$21,664$15,437$10,873$5,874
29 years$38,956$28,277$20,160$14,156$9,818$5,161
30 years$37,251$26,705$18,779$12,992$8,871$4,537
31 years$35,659$25,245$17,507$11,932$8,020$3,990
32 years$34,169$23,887$16,334$10,966$7,255$3,510
33 years$32,773$22,621$15,251$10,084$6,566$3,088
34 years$31,461$21,440$14,250$9,278$5,945$2,718
35 years$30,227$20,335$13,323$8,541$5,384$2,393
36 years$29,065$19,301$12,463$7,866$4,878$2,107
37 years$27,967$18,332$11,665$7,248$4,421$1,856
38 years$26,930$17,422$10,924$6,680$4,008$1,635
39 years$25,949$16,566$10,235$6,160$3,635$1,440
40 years$25,019$15,761$9,593$5,681$3,297$1,269
41 years$24,137$15,003$8,995$5,242$2,991$1,118
42 years$23,299$14,289$8,438$4,838$2,714$985
43 years$22,502$13,614$7,918$4,466$2,463$868
44 years$21,743$12,977$7,432$4,123$2,236$765
45 years$21,020$12,375$6,978$3,808$2,030$675
46 years$20,331$11,805$6,554$3,517$1,843$595
47 years$19,673$11,266$6,158$3,250$1,674$524
48 years$19,044$10,755$5,786$3,003$1,520$462
49 years$18,443$10,270$5,439$2,775$1,380$407
50 years$17,867$9,810$5,113$2,565$1,254$359

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 $3,060 every year, while hoping to spend $23,577 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: 41/36/23 Blend
34$18,300,000$18,300,000$18,300,000$18,300,000
35$20,169,756$19,199,856$18,916,206$20,859,998
36$22,201,986$20,115,564$19,524,814$22,270,573
37$24,440,712$21,075,350$20,153,019$23,793,909
38$26,906,974$22,081,351$20,801,454$25,442,313
39$29,623,954$23,135,806$21,470,771$27,227,259
40$32,617,198$24,241,061$22,161,643$29,161,337
41$35,914,858$25,399,580$22,874,764$31,258,362
42$39,547,957$26,613,943$23,610,852$33,533,495
43$43,550,681$27,886,858$24,370,648$36,003,380
44$47,960,700$29,221,164$25,154,914$38,686,292
45$52,819,529$30,619,838$25,964,441$41,602,300
46$58,172,914$32,086,003$26,800,043$44,773,446
47$64,071,266$33,622,932$27,662,559$48,223,942
48$70,570,139$35,234,059$28,552,859$51,980,392
49$77,730,750$36,922,985$29,471,837$56,072,028
50$85,620,561$38,693,486$30,420,418$60,530,977
51$94,313,913$40,549,522$31,399,556$65,392,548
52$103,892,729$42,495,245$32,410,238$70,695,560
53$114,447,286$44,535,010$33,453,479$76,482,688
54$126,077,069$46,673,385$34,530,331$82,800,855
55$138,891,708$48,915,160$35,641,876$89,701,662
56$153,012,017$51,265,357$36,789,233$97,241,857
57$168,571,128$53,729,245$37,973,557$105,483,855
58$185,715,752$56,312,347$39,196,040$114,496,314
59$204,607,565$59,020,458$40,457,914$124,354,763
60$225,424,730$61,859,654$41,760,447$135,142,295
61$248,363,582$64,836,307$43,104,952$146,950,338
62$273,640,482$67,957,100$44,492,782$159,879,492
63$301,493,855$71,229,042$45,925,335$174,040,463
64$332,186,447$74,659,484$47,404,052$189,555,083
65$366,007,800$78,256,134$48,930,423$206,557,439
66$403,276,989$82,027,078$50,505,986$225,195,112
67$444,345,631$85,980,794$52,132,326$245,630,551
68$489,601,208$90,126,176$53,811,081$268,042,576
69$539,470,723$94,472,550$55,543,944$292,628,037
70$594,424,728$99,029,696$57,332,658$319,603,651
71$654,981,774$103,807,875$59,179,025$349,208,010
72$721,713,299$108,817,845$61,084,907$381,703,808
73$795,249,026$114,070,890$63,052,222$417,380,282
74$876,282,908$119,578,845$65,082,952$456,555,917
75$965,579,678$125,354,122$67,179,145$499,581,407
76$1,063,982,070$131,409,738$69,342,911$546,842,935
77$1,172,418,774$137,759,348$71,576,431$598,765,775
78$1,291,913,203$144,417,270$73,881,955$655,818,270
79$1,423,593,157$151,398,524$76,261,808$718,516,205
80$1,568,701,467$158,718,860$78,718,387$787,427,637
81$1,728,607,733$166,394,800$81,254,169$863,178,203
82$1,904,821,247$174,443,670$83,871,709$946,456,985
83$2,099,005,248$182,883,644$86,573,645$1,038,022,957
84$2,312,992,623$191,733,782$89,362,702$1,138,712,099
85$2,548,803,208$201,014,076$92,241,690$1,249,445,233
86$2,808,662,862$210,745,492$95,213,513$1,371,236,654
87$3,095,024,474$220,950,021$98,281,166$1,505,203,643
88$3,410,591,128$231,650,730$101,447,743$1,652,576,953
89$3,758,341,617$242,871,809$104,716,436$1,814,712,358
90$4,141,558,566$254,638,633$108,090,541$1,993,103,380
91$4,563,859,427$266,977,812$111,573,461$2,189,395,313
92$5,029,230,625$279,917,262$115,168,708$2,405,400,682
93$5,542,065,197$293,486,256$118,879,909$2,643,116,266
94$6,107,204,267$307,715,503$122,710,806$2,904,741,867
95$6,729,982,748$322,637,207$126,665,263$3,192,700,988
96$7,416,279,708$338,285,150$130,747,269$3,509,663,614
97$8,172,573,877$354,694,762$134,960,942$3,858,571,323
98$9,006,004,812$371,903,205$139,310,533$4,242,664,956
99$9,924,440,297$389,949,455$143,800,429$4,665,515,097
100$10,936,550,625$408,874,397$148,435,162$5,131,055,674