Can I retire at age 35 with 18,400,000?

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 $18,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$1,519,455$1,505,920$1,492,716$1,479,827$1,467,242$1,437,030
2 years$752,205$738,196$724,619$711,455$698,687$668,386
3 years$496,489$482,419$468,877$455,836$443,275$413,831
4 years$368,656$354,629$341,222$328,404$316,148$287,787
5 years$291,976$278,034$264,802$252,246$240,331$213,134
6 years$240,873$227,035$214,000$201,723$190,165$164,162
7 years$204,385$190,664$177,835$165,848$154,655$129,851
8 years$177,031$163,434$150,818$139,126$128,302$104,688
9 years$155,768$142,299$129,899$118,504$108,048$85,610
10 years$138,767$125,430$113,249$102,152$92,063$70,777
11 years$124,866$111,663$99,703$88,903$79,177$59,017
12 years$113,290$100,222$88,484$77,980$68,613$49,550
13 years$103,503$90,572$79,054$68,844$59,832$41,833
14 years$95,121$82,327$71,031$61,112$52,448$35,478
15 years$87,863$75,207$64,131$54,501$46,180$30,202
16 years$81,519$69,001$58,144$48,800$40,814$25,791
17 years$75,927$63,548$52,909$43,846$36,188$22,083
18 years$70,962$58,721$48,299$39,514$32,177$18,949
19 years$66,524$54,422$44,216$35,705$28,680$16,291
20 years$62,536$50,571$40,579$32,337$25,617$14,028
21 years$58,932$47,105$37,325$29,348$22,925$12,095
22 years$55,660$43,971$34,400$26,684$20,549$10,441
23 years$52,677$41,125$31,763$24,302$18,446$9,022
24 years$49,946$38,532$29,375$22,165$16,580$7,803
25 years$47,438$36,160$27,207$20,242$14,919$6,753
26 years$45,127$33,985$25,233$18,508$13,439$5,848
27 years$42,990$31,984$23,431$16,941$12,116$5,068
28 years$41,010$30,138$21,783$15,522$10,932$4,393
29 years$39,169$28,432$20,270$14,234$9,872$3,810
30 years$37,454$26,851$18,881$13,063$8,920$3,305
31 years$35,854$25,383$17,602$11,997$8,064$2,869
32 years$34,356$24,017$16,423$11,026$7,295$2,490
33 years$32,952$22,745$15,335$10,139$6,602$2,162
34 years$31,633$21,557$14,328$9,329$5,977$1,878
35 years$30,392$20,446$13,395$8,588$5,414$1,631
36 years$29,223$19,407$12,531$7,909$4,905$1,417
37 years$28,120$18,432$11,729$7,287$4,446$1,231
38 years$27,078$17,517$10,984$6,717$4,030$1,070
39 years$26,091$16,657$10,290$6,193$3,655$929
40 years$25,156$15,848$9,645$5,712$3,315$808
41 years$24,269$15,085$9,044$5,270$3,008$702
42 years$23,426$14,367$8,484$4,864$2,729$610
43 years$22,625$13,689$7,961$4,490$2,477$530
44 years$21,862$13,048$7,473$4,146$2,248$461
45 years$21,135$12,443$7,017$3,829$2,041$401
46 years$20,442$11,870$6,590$3,537$1,853$348
47 years$19,780$11,327$6,191$3,267$1,683$303
48 years$19,148$10,813$5,818$3,019$1,528$263
49 years$18,543$10,326$5,469$2,790$1,388$229
50 years$17,965$9,864$5,141$2,579$1,261$199

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,400,000, adding $6,057 every year, while hoping to spend $39,278 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: 33/38/29 Blend
34$18,400,000$18,400,000$18,400,000$18,400,000
35$20,283,048$19,307,848$19,022,648$20,773,613
36$22,310,127$20,212,141$19,618,115$22,052,699
37$24,542,652$21,159,428$20,232,214$23,426,323
38$27,001,537$22,151,774$20,865,527$24,905,987
39$29,709,827$23,191,344$21,518,656$26,501,117
40$32,692,918$24,280,409$22,192,220$28,222,037
41$35,978,794$25,421,347$22,886,857$30,080,066
42$39,598,293$26,616,655$23,603,228$32,087,608
43$43,585,394$27,868,946$24,342,012$34,258,269
44$47,977,544$29,180,964$25,103,909$36,606,968
45$52,816,006$30,555,584$25,889,643$39,150,075
46$58,146,251$31,995,820$26,699,958$41,905,551
47$64,018,386$33,504,833$27,535,624$44,893,107
48$70,487,627$35,085,935$28,397,433$48,134,382
49$77,614,821$36,742,602$29,286,203$51,653,134
50$85,467,018$38,478,475$30,202,776$55,475,450
51$94,118,107$40,297,374$31,148,023$59,629,985
52$103,649,511$42,203,302$32,122,839$64,148,214
53$114,150,956$44,200,459$33,128,149$69,064,716
54$125,721,318$46,293,246$34,164,906$74,417,491
55$138,469,557$48,486,279$35,234,094$80,248,296
56$152,515,742$50,784,397$36,336,727$86,603,031
57$167,992,191$53,192,675$37,473,851$93,532,149
58$185,044,713$55,716,435$38,646,543$101,091,120
59$203,833,987$58,361,253$39,855,915$109,340,933
60$224,537,080$61,132,982$41,103,115$118,348,658
61$247,349,118$64,037,754$42,389,326$128,188,052
62$272,485,126$67,082,001$43,715,765$138,940,242
63$300,182,058$70,272,468$45,083,692$150,694,463
64$330,701,035$73,616,227$46,494,404$163,548,883
65$364,329,811$77,120,692$47,949,237$177,611,504
66$401,385,486$80,793,640$49,449,571$193,001,154
67$442,217,502$84,643,225$50,996,828$209,848,590
68$487,210,941$88,677,997$52,592,475$228,297,697
69$536,790,159$92,906,921$54,238,025$248,506,825
70$591,422,794$97,339,398$55,935,037$270,650,251
71$651,624,178$101,985,288$57,685,121$294,919,792
72$717,962,207$106,854,930$59,489,934$321,526,587
73$791,062,693$111,959,162$61,351,188$350,703,054
74$871,615,282$117,309,355$63,270,647$382,705,050
75$960,379,957$122,917,430$65,250,130$417,814,248
76$1,058,194,216$128,795,888$67,291,513$456,340,759
77$1,165,980,978$134,957,838$69,396,730$498,626,017
78$1,284,757,294$141,417,029$71,567,778$545,045,962
79$1,415,643,952$148,187,878$73,806,712$596,014,542
80$1,559,876,054$155,285,502$76,115,656$651,987,578
81$1,718,814,677$162,725,758$78,496,796$713,467,015
82$1,893,959,725$170,525,270$80,952,389$781,005,612
83$2,086,964,085$178,701,477$83,484,762$855,212,107
84$2,299,649,235$187,272,662$86,096,315$936,756,907
85$2,534,022,436$196,258,002$88,789,521$1,026,378,357
86$2,792,295,687$205,677,606$91,566,932$1,124,889,655
87$3,076,906,602$215,552,564$94,431,180$1,233,186,459
88$3,390,541,429$225,904,993$97,384,977$1,352,255,280
89$3,736,160,404$236,758,087$100,431,124$1,483,182,722
90$4,117,025,703$248,136,171$103,572,504$1,627,165,669
91$4,536,732,236$260,064,755$106,812,094$1,785,522,508
92$4,999,241,587$272,570,591$110,152,962$1,959,705,493
93$5,508,919,416$285,681,737$113,598,274$2,151,314,373
94$6,070,576,673$299,427,618$117,151,292$2,362,111,404
95$6,689,515,014$313,839,092$120,815,381$2,594,037,899
96$7,371,576,862$328,948,524$124,594,012$2,849,232,454
97$8,123,200,554$344,789,854$128,490,764$3,130,051,036
98$8,951,481,133$361,398,679$132,509,327$3,439,089,126
99$9,864,237,326$378,812,332$136,653,507$3,779,206,105
100$10,870,085,361$397,069,964$140,927,228$4,153,552,133