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%15.4%
1 years$1,519,455$1,505,920$1,492,716$1,479,827$1,467,242$1,434,686
2 years$752,205$738,196$724,619$711,455$698,687$666,057
3 years$496,489$482,419$468,877$455,836$443,275$411,590
4 years$368,656$354,629$341,222$328,404$316,148$285,651
5 years$291,976$278,034$264,802$252,246$240,331$211,108
6 years$240,873$227,035$214,000$201,723$190,165$162,248
7 years$204,385$190,664$177,835$165,848$154,655$128,048
8 years$177,031$163,434$150,818$139,126$128,302$102,994
9 years$155,768$142,299$129,899$118,504$108,048$84,023
10 years$138,767$125,430$113,249$102,152$92,063$69,293
11 years$124,866$111,663$99,703$88,903$79,177$57,634
12 years$113,290$100,222$88,484$77,980$68,613$48,263
13 years$103,503$90,572$79,054$68,844$59,832$40,638
14 years$95,121$82,327$71,031$61,112$52,448$34,371
15 years$87,863$75,207$64,131$54,501$46,180$29,178
16 years$81,519$69,001$58,144$48,800$40,814$24,847
17 years$75,927$63,548$52,909$43,846$36,188$21,213
18 years$70,962$58,721$48,299$39,514$32,177$18,149
19 years$66,524$54,422$44,216$35,705$28,680$15,557
20 years$62,536$50,571$40,579$32,337$25,617$13,355
21 years$58,932$47,105$37,325$29,348$22,925$11,480
22 years$55,660$43,971$34,400$26,684$20,549$9,880
23 years$52,677$41,125$31,763$24,302$18,446$8,511
24 years$49,946$38,532$29,375$22,165$16,580$7,337
25 years$47,438$36,160$27,207$20,242$14,919$6,330
26 years$45,127$33,985$25,233$18,508$13,439$5,464
27 years$42,990$31,984$23,431$16,941$12,116$4,720
28 years$41,010$30,138$21,783$15,522$10,932$4,078
29 years$39,169$28,432$20,270$14,234$9,872$3,525
30 years$37,454$26,851$18,881$13,063$8,920$3,048
31 years$35,854$25,383$17,602$11,997$8,064$2,637
32 years$34,356$24,017$16,423$11,026$7,295$2,281
33 years$32,952$22,745$15,335$10,139$6,602$1,974
34 years$31,633$21,557$14,328$9,329$5,977$1,709
35 years$30,392$20,446$13,395$8,588$5,414$1,479
36 years$29,223$19,407$12,531$7,909$4,905$1,280
37 years$28,120$18,432$11,729$7,287$4,446$1,109
38 years$27,078$17,517$10,984$6,717$4,030$960
39 years$26,091$16,657$10,290$6,193$3,655$832
40 years$25,156$15,848$9,645$5,712$3,315$720
41 years$24,269$15,085$9,044$5,270$3,008$624
42 years$23,426$14,367$8,484$4,864$2,729$540
43 years$22,625$13,689$7,961$4,490$2,477$468
44 years$21,862$13,048$7,473$4,146$2,248$406
45 years$21,135$12,443$7,017$3,829$2,041$351
46 years$20,442$11,870$6,590$3,537$1,853$304
47 years$19,780$11,327$6,191$3,267$1,683$264
48 years$19,148$10,813$5,818$3,019$1,528$228
49 years$18,543$10,326$5,469$2,790$1,388$198
50 years$17,965$9,864$5,141$2,579$1,261$172

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 $5,351 every year, while hoping to spend $52,784 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: 35/50/15 Blend
34$18,400,000$18,400,000$18,400,000$18,400,000
35$20,282,320$19,307,120$19,021,920$20,897,988
36$22,294,954$20,197,007$19,602,992$22,235,111
37$24,511,109$21,128,729$20,201,761$23,671,510
38$26,951,486$22,104,281$20,818,765$25,220,210
39$29,638,900$23,125,753$21,454,555$26,891,194
40$32,598,488$24,195,335$22,109,703$28,695,394
41$35,857,952$25,315,324$22,784,796$30,644,790
42$39,447,814$26,488,127$23,480,439$32,752,512
43$43,401,712$27,716,266$24,197,254$35,032,953
44$47,756,710$29,002,386$24,935,885$37,501,895
45$52,553,650$30,349,259$25,696,993$40,176,648
46$57,837,539$31,759,789$26,481,259$43,076,200
47$63,657,973$33,237,023$27,289,386$46,221,388
48$70,069,602$34,784,154$28,122,096$49,635,077
49$77,132,651$36,404,526$28,980,136$53,342,365
50$84,913,483$38,101,650$29,864,272$57,370,810
51$93,485,229$39,879,202$30,775,296$61,750,667
52$102,928,476$41,741,036$31,714,022$66,515,170
53$113,332,029$43,691,195$32,681,290$71,700,819
54$124,793,746$45,733,915$33,677,964$77,347,714
55$137,421,468$47,873,635$34,704,935$83,499,918
56$151,334,027$50,115,014$35,763,120$90,205,848
57$166,662,378$52,462,930$36,853,465$97,518,720
58$183,550,828$54,922,500$37,976,944$105,497,029
59$202,158,400$57,499,090$39,134,558$114,205,078
60$222,660,334$60,198,323$40,327,343$123,713,568
61$245,249,741$63,026,093$41,556,362$134,100,240
62$270,139,426$65,988,583$42,822,712$145,450,584
63$297,563,896$69,092,273$44,127,522$157,858,624
64$327,781,576$72,343,957$45,471,956$171,427,779
65$361,077,243$75,750,757$46,857,212$186,271,808
66$397,764,719$79,320,141$48,284,526$202,515,863
67$438,189,832$83,059,940$49,755,170$220,297,633
68$482,733,680$86,978,362$51,270,453$239,768,615
69$531,816,227$91,084,013$52,831,725$261,095,516
70$585,900,271$95,385,919$54,440,377$284,461,784
71$645,495,810$99,893,540$56,097,840$310,069,309
72$711,164,855$104,616,796$57,805,591$338,140,294
73$783,526,740$109,566,089$59,565,148$368,919,305
74$863,263,964$114,752,324$61,378,076$402,675,545
75$951,128,636$120,186,935$63,245,989$439,705,350
76$1,047,949,574$125,881,912$65,170,548$480,334,943
77$1,154,640,131$131,849,827$67,153,462$524,923,463
78$1,272,206,816$138,103,860$69,196,494$573,866,306
79$1,401,758,794$144,657,832$71,301,460$627,598,809
80$1,544,518,361$151,526,236$73,470,229$686,600,303
81$1,701,832,480$158,724,266$75,704,727$751,398,580
82$1,875,185,495$166,267,858$78,006,938$822,574,818
83$2,066,213,150$174,173,718$80,378,905$900,769,003
84$2,276,718,027$182,459,365$82,822,733$986,685,906
85$2,508,686,561$191,143,170$85,340,590$1,081,101,668
86$2,764,307,800$200,244,394$87,934,710$1,184,871,053
87$3,045,994,064$209,783,238$90,607,391$1,298,935,445
88$3,356,403,724$219,780,882$93,361,003$1,424,331,655
89$3,698,466,294$230,259,536$96,197,987$1,562,201,624
90$4,075,410,092$241,242,489$99,120,856$1,713,803,121
91$4,490,792,715$252,754,164$102,132,198$1,880,521,521
92$4,948,534,625$264,820,172$105,234,681$2,063,882,795
93$5,452,956,164$277,467,367$108,431,049$2,265,567,808
94$6,008,818,336$290,723,912$111,724,133$2,487,428,092
95$6,621,367,760$304,619,337$115,116,845$2,731,503,208
96$7,296,386,198$319,184,612$118,612,186$3,000,039,891
97$8,040,245,144$334,452,211$122,213,248$3,295,513,139
98$8,859,965,970$350,456,191$125,923,213$3,620,649,451
99$9,763,286,219$367,232,264$129,745,361$3,978,452,439
100$10,758,732,650$384,817,882$133,683,067$4,372,231,041