Can I retire at age 35 with 18,500,000?

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 $18,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,426,281
2 years$756,293$742,208$728,557$715,322$702,484$653,658
3 years$499,187$485,041$471,425$458,314$445,685$398,500
4 years$370,659$356,557$343,077$330,189$317,866$272,684
5 years$293,563$279,545$266,242$253,617$241,637$198,578
6 years$242,182$228,269$215,163$202,820$191,199$150,298
7 years$205,496$191,700$178,801$166,749$155,496$116,747
8 years$177,994$164,322$151,638$139,882$128,999$92,374
9 years$156,614$143,072$130,605$119,148$108,636$74,091
10 years$139,521$126,111$113,865$102,707$92,563$60,044
11 years$125,544$112,269$100,245$89,386$79,607$49,052
12 years$113,906$100,767$88,965$78,403$68,986$40,325
13 years$104,065$91,064$79,484$69,218$60,157$33,319
14 years$95,638$82,775$71,417$61,444$52,733$27,643
15 years$88,341$75,616$64,480$54,798$46,431$23,009
16 years$81,962$69,376$58,460$49,065$41,036$19,204
17 years$76,340$63,893$53,197$44,085$36,385$16,064
18 years$71,347$59,040$48,562$39,729$32,352$13,462
19 years$66,886$54,718$44,456$35,899$28,836$11,299
20 years$62,876$50,846$40,799$32,513$25,757$9,496
21 years$59,252$47,361$37,528$29,508$23,049$7,989
22 years$55,962$44,210$34,587$26,829$20,660$6,727
23 years$52,963$41,349$31,935$24,434$18,546$5,668
24 years$50,218$38,741$29,535$22,285$16,670$4,779
25 years$47,696$36,357$27,355$20,352$15,000$4,032
26 years$45,372$34,169$25,371$18,609$13,512$3,403
27 years$43,224$32,157$23,559$17,033$12,182$2,873
28 years$41,232$30,302$21,901$15,606$10,992$2,427
29 years$39,382$28,586$20,381$14,311$9,925$2,050
30 years$37,658$26,997$18,984$13,134$8,968$1,732
31 years$36,048$25,521$17,698$12,063$8,108$1,464
32 years$34,543$24,148$16,513$11,086$7,334$1,238
33 years$33,131$22,868$15,418$10,194$6,638$1,046
34 years$31,805$21,674$14,406$9,380$6,010$885
35 years$30,558$20,557$13,468$8,635$5,443$748
36 years$29,382$19,512$12,599$7,952$4,932$633
37 years$28,273$18,532$11,793$7,327$4,470$535
38 years$27,225$17,612$11,043$6,753$4,052$452
39 years$26,233$16,747$10,346$6,227$3,675$383
40 years$25,292$15,934$9,698$5,743$3,333$324
41 years$24,400$15,167$9,093$5,299$3,024$274
42 years$23,553$14,445$8,530$4,890$2,744$232
43 years$22,748$13,763$8,004$4,514$2,490$196
44 years$21,981$13,119$7,513$4,168$2,260$166
45 years$21,250$12,510$7,055$3,850$2,052$140
46 years$20,553$11,934$6,626$3,556$1,863$119
47 years$19,888$11,389$6,225$3,285$1,692$100
48 years$19,252$10,872$5,850$3,036$1,536$85
49 years$18,644$10,382$5,498$2,805$1,395$72
50 years$18,062$9,918$5,169$2,593$1,267$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,500,000, adding $5,504 every year, while hoping to spend $51,074 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: 46/43/11 Blend
34$18,500,000$18,500,000$18,500,000$18,500,000
35$20,392,677$19,412,177$19,125,427$21,267,574
36$22,418,388$20,309,032$19,711,787$22,769,954
37$24,649,010$21,248,120$20,316,078$24,393,116
38$27,105,389$22,231,458$20,938,846$26,152,785
39$29,810,497$23,261,159$21,580,657$28,061,620
40$32,789,648$24,339,435$22,242,089$30,133,519
41$36,070,734$25,468,610$22,923,741$32,383,736
42$39,684,493$26,651,115$23,626,230$34,829,021
43$43,664,793$27,889,501$24,350,190$37,487,765
44$48,048,956$29,186,442$25,096,276$40,380,167
45$52,878,110$30,544,738$25,865,162$43,528,417
46$58,197,575$31,967,328$26,657,543$46,956,892
47$64,057,292$33,457,291$27,474,134$50,692,378
48$70,512,291$35,017,854$28,315,673$54,764,313
49$77,623,217$36,652,401$29,182,921$59,205,050
50$85,456,896$38,364,479$30,076,659$64,050,153
51$94,086,968$40,157,807$30,997,695$69,338,723
52$103,594,581$42,036,282$31,946,860$75,113,747
53$114,069,158$44,003,990$32,925,011$81,422,496
54$125,609,243$46,065,216$33,933,029$88,316,958
55$138,323,425$48,224,450$34,971,824$95,854,306
56$152,331,367$50,486,402$36,042,333$104,097,433
57$167,764,937$52,856,005$37,145,522$113,115,519
58$184,769,447$55,338,436$38,282,384$122,984,675
59$203,505,031$57,939,120$39,453,944$133,788,639
60$224,148,151$60,663,744$40,661,258$145,619,550
61$246,893,266$63,518,271$41,905,413$158,578,795
62$271,954,665$66,508,953$43,187,531$172,777,951
63$299,568,494$69,642,344$44,508,766$188,339,811
64$329,994,978$72,925,317$45,870,308$205,399,525
65$363,520,884$76,365,076$47,273,382$224,105,850
66$400,462,225$79,969,175$48,719,251$244,622,531
67$441,167,243$83,745,535$50,209,216$267,129,819
68$486,019,695$87,702,460$51,744,618$291,826,147
69$535,442,479$91,848,656$53,326,838$318,929,975
70$589,901,623$96,193,251$54,957,299$348,681,822
71$649,910,687$100,745,819$56,637,466$381,346,505
72$716,035,607$105,516,393$58,368,851$417,215,608
73$788,900,040$110,515,498$60,153,009$456,610,199
74$869,191,253$115,754,166$61,991,543$499,883,827
75$957,666,607$121,243,967$63,886,106$547,425,820
76$1,055,160,709$126,997,029$65,838,399$599,664,922
77$1,162,593,291$133,026,073$67,850,175$657,073,300
78$1,280,977,891$139,344,436$69,923,241$720,170,960
79$1,411,431,423$145,966,100$72,059,457$789,530,606
80$1,555,184,720$152,905,731$74,260,740$865,783,004
81$1,713,594,153$160,178,703$76,529,066$949,622,889
82$1,888,154,437$167,801,139$78,866,470$1,041,815,463
83$2,080,512,740$175,789,946$81,275,047$1,143,203,575
84$2,292,484,237$184,162,851$83,756,959$1,254,715,616
85$2,526,069,241$192,938,442$86,314,429$1,377,374,222
86$2,783,472,091$202,136,214$88,949,750$1,512,305,871
87$3,067,121,961$211,776,605$91,665,283$1,660,751,448
88$3,379,695,794$221,881,051$94,463,463$1,824,077,895
89$3,724,143,569$232,472,027$97,346,794$2,003,791,040
90$4,103,716,161$243,573,104$100,317,858$2,201,549,742
91$4,521,996,020$255,208,997$103,379,317$2,419,181,467
92$4,982,931,000$267,405,624$106,533,911$2,658,699,465
93$5,490,871,627$280,190,164$109,784,462$2,922,321,686
94$6,050,612,170$293,591,120$113,133,878$3,212,491,628
95$6,667,435,906$307,638,378$116,585,157$3,531,901,313
96$7,347,164,993$322,363,284$120,141,384$3,883,516,599
97$8,096,215,441$337,798,704$123,805,740$4,270,605,079
98$8,921,657,683$353,979,108$127,581,500$4,696,766,816
99$9,831,283,325$370,940,642$131,472,038$5,165,968,220
100$10,833,678,703$388,721,212$135,480,830$5,682,579,373