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%16.7%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,434,898
2 years$756,293$742,208$728,557$715,322$702,484$662,159
3 years$499,187$485,041$471,425$458,314$445,685$406,615
4 years$370,659$356,557$343,077$330,189$317,866$280,351
5 years$293,563$279,545$266,242$253,617$241,637$205,781
6 years$242,182$228,269$215,163$202,820$191,199$157,035
7 years$205,496$191,700$178,801$166,749$155,496$123,026
8 years$177,994$164,322$151,638$139,882$128,999$98,206
9 years$156,614$143,072$130,605$119,148$108,636$79,490
10 years$139,521$126,111$113,865$102,707$92,563$65,028
11 years$125,544$112,269$100,245$89,386$79,607$53,639
12 years$113,906$100,767$88,965$78,403$68,986$44,537
13 years$104,065$91,064$79,484$69,218$60,157$37,175
14 years$95,638$82,775$71,417$61,444$52,733$31,163
15 years$88,341$75,616$64,480$54,798$46,431$26,216
16 years$81,962$69,376$58,460$49,065$41,036$22,118
17 years$76,340$63,893$53,197$44,085$36,385$18,706
18 years$71,347$59,040$48,562$39,729$32,352$15,852
19 years$66,886$54,718$44,456$35,899$28,836$13,456
20 years$62,876$50,846$40,799$32,513$25,757$11,439
21 years$59,252$47,361$37,528$29,508$23,049$9,735
22 years$55,962$44,210$34,587$26,829$20,660$8,294
23 years$52,963$41,349$31,935$24,434$18,546$7,072
24 years$50,218$38,741$29,535$22,285$16,670$6,034
25 years$47,696$36,357$27,355$20,352$15,000$5,152
26 years$45,372$34,169$25,371$18,609$13,512$4,401
27 years$43,224$32,157$23,559$17,033$12,182$3,762
28 years$41,232$30,302$21,901$15,606$10,992$3,216
29 years$39,382$28,586$20,381$14,311$9,925$2,751
30 years$37,658$26,997$18,984$13,134$8,968$2,353
31 years$36,048$25,521$17,698$12,063$8,108$2,014
32 years$34,543$24,148$16,513$11,086$7,334$1,723
33 years$33,131$22,868$15,418$10,194$6,638$1,475
34 years$31,805$21,674$14,406$9,380$6,010$1,263
35 years$30,558$20,557$13,468$8,635$5,443$1,081
36 years$29,382$19,512$12,599$7,952$4,932$926
37 years$28,273$18,532$11,793$7,327$4,470$793
38 years$27,225$17,612$11,043$6,753$4,052$679
39 years$26,233$16,747$10,346$6,227$3,675$582
40 years$25,292$15,934$9,698$5,743$3,333$498
41 years$24,400$15,167$9,093$5,299$3,024$427
42 years$23,553$14,445$8,530$4,890$2,744$366
43 years$22,748$13,763$8,004$4,514$2,490$313
44 years$21,981$13,119$7,513$4,168$2,260$268
45 years$21,250$12,510$7,055$3,850$2,052$230
46 years$20,553$11,934$6,626$3,556$1,863$197
47 years$19,888$11,389$6,225$3,285$1,692$169
48 years$19,252$10,872$5,850$3,036$1,536$145
49 years$18,644$10,382$5,498$2,805$1,395$124
50 years$18,062$9,918$5,169$2,593$1,267$106

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 $6,260 every year, while hoping to spend $50,331 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: 51/32/17 Blend
34$18,500,000$18,500,000$18,500,000$18,500,000
35$20,393,457$19,412,957$19,126,207$21,337,977
36$22,420,038$20,310,640$19,713,383$22,885,859
37$24,651,643$21,250,623$20,318,543$24,562,046
38$27,109,132$22,234,925$20,942,236$26,383,322
39$29,815,490$23,265,663$21,585,027$28,363,414
40$32,796,045$24,345,055$22,247,500$30,517,406
41$36,078,707$25,475,428$22,930,257$32,861,868
42$39,694,231$26,659,220$23,633,916$35,415,014
43$43,676,506$27,898,985$24,359,116$38,196,860
44$48,062,878$29,197,403$25,106,514$41,229,409
45$52,894,497$30,557,282$25,876,788$44,536,852
46$58,216,712$31,981,565$26,670,637$48,145,785
47$64,079,492$33,473,337$27,488,779$52,085,455
48$70,537,903$35,035,834$28,331,956$56,388,026
49$77,652,624$36,672,445$29,200,932$61,088,874
50$85,490,523$38,386,726$30,096,494$66,226,911
51$94,125,283$40,182,402$31,019,453$71,844,942
52$103,638,103$42,063,380$31,970,646$77,990,060
53$114,118,459$44,033,756$32,950,932$84,714,081
54$125,664,954$46,097,822$33,961,200$92,074,016
55$138,386,243$48,260,079$35,002,365$100,132,606
56$152,402,063$50,525,246$36,075,367$108,958,892
57$167,844,360$52,898,270$37,181,178$118,628,864
58$184,858,536$55,384,336$38,320,798$129,226,157
59$203,604,820$57,988,882$39,495,259$140,842,829
60$224,259,783$60,717,608$40,705,621$153,580,218
61$247,018,001$63,576,491$41,952,979$167,549,876
62$272,093,894$66,571,796$43,238,461$182,874,615
63$299,723,750$69,710,093$44,563,229$199,689,643
64$330,167,955$72,998,270$45,928,479$218,143,824
65$363,713,448$76,443,547$47,335,445$238,401,064
66$400,676,435$80,053,496$48,785,397$260,641,844
67$441,405,369$83,836,055$50,279,646$285,064,895
68$486,284,243$87,799,548$51,819,540$311,889,060
69$535,736,211$91,952,701$53,406,470$341,355,335
70$590,227,585$96,304,664$55,041,868$373,729,120
71$650,272,237$100,865,031$56,727,209$409,302,701
72$716,436,450$105,643,862$58,464,015$448,397,984
73$789,344,260$110,651,703$60,253,851$491,369,507
74$869,683,352$115,899,614$62,098,333$538,607,759
75$958,211,550$121,399,191$63,999,123$590,542,836
76$1,055,763,969$127,162,593$65,957,935$647,648,475
77$1,163,260,903$133,202,569$67,976,535$710,446,487
78$1,281,716,509$139,532,488$70,056,742$779,511,656
79$1,412,248,380$146,166,367$72,200,430$855,477,130
80$1,556,088,100$153,118,906$74,409,531$939,040,355
81$1,714,592,870$160,405,515$76,686,033$1,030,969,630
82$1,889,258,315$168,042,358$79,031,987$1,132,111,311
83$2,081,732,610$176,046,380$81,449,506$1,243,397,766
84$2,293,832,036$184,435,353$83,940,765$1,365,856,130
85$2,527,558,130$193,227,911$86,508,006$1,500,617,954
86$2,785,116,574$202,443,593$89,153,539$1,648,929,844
87$3,068,938,026$212,102,891$91,879,744$1,812,165,174
88$3,381,701,062$222,227,291$94,689,073$1,991,837,002
89$3,726,357,466$232,839,324$97,584,053$2,189,612,296
90$4,106,160,095$243,962,617$100,567,286$2,407,327,616
91$4,524,693,588$255,621,949$103,641,453$2,647,006,391
92$4,985,908,209$267,843,300$106,809,317$2,910,877,955
93$5,494,157,143$280,653,917$110,073,725$3,201,398,532
94$6,054,237,585$294,082,374$113,437,609$3,521,274,349
95$6,671,436,040$308,158,631$116,903,990$3,873,487,117
96$7,351,578,224$322,914,111$120,475,981$4,261,322,099
97$8,101,084,064$338,381,765$124,156,789$4,688,399,049
98$8,927,028,314$354,596,146$127,949,716$5,158,706,299
99$9,837,207,338$371,593,493$131,858,168$5,676,638,326
100$10,840,212,720$389,411,808$135,885,649$6,247,037,144