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%19.1%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,421,179
2 years$756,293$742,208$728,557$715,322$702,484$648,644
3 years$499,187$485,041$471,425$458,314$445,685$393,735
4 years$370,659$356,557$343,077$330,189$317,866$268,203
5 years$293,563$279,545$266,242$253,617$241,637$194,390
6 years$242,182$228,269$215,163$202,820$191,199$146,402
7 years$205,496$191,700$178,801$166,749$155,496$113,138
8 years$177,994$164,322$151,638$139,882$128,999$89,042
9 years$156,614$143,072$130,605$119,148$108,636$71,026
10 years$139,521$126,111$113,865$102,707$92,563$57,234
11 years$125,544$112,269$100,245$89,386$79,607$46,484
12 years$113,906$100,767$88,965$78,403$68,986$37,986
13 years$104,065$91,064$79,484$69,218$60,157$31,194
14 years$95,638$82,775$71,417$61,444$52,733$25,718
15 years$88,341$75,616$64,480$54,798$46,431$21,270
16 years$81,962$69,376$58,460$49,065$41,036$17,637
17 years$76,340$63,893$53,197$44,085$36,385$14,656
18 years$71,347$59,040$48,562$39,729$32,352$12,200
19 years$66,886$54,718$44,456$35,899$28,836$10,170
20 years$62,876$50,846$40,799$32,513$25,757$8,488
21 years$59,252$47,361$37,528$29,508$23,049$7,091
22 years$55,962$44,210$34,587$26,829$20,660$5,929
23 years$52,963$41,349$31,935$24,434$18,546$4,961
24 years$50,218$38,741$29,535$22,285$16,670$4,153
25 years$47,696$36,357$27,355$20,352$15,000$3,479
26 years$45,372$34,169$25,371$18,609$13,512$2,915
27 years$43,224$32,157$23,559$17,033$12,182$2,443
28 years$41,232$30,302$21,901$15,606$10,992$2,048
29 years$39,382$28,586$20,381$14,311$9,925$1,718
30 years$37,658$26,997$18,984$13,134$8,968$1,441
31 years$36,048$25,521$17,698$12,063$8,108$1,209
32 years$34,543$24,148$16,513$11,086$7,334$1,014
33 years$33,131$22,868$15,418$10,194$6,638$851
34 years$31,805$21,674$14,406$9,380$6,010$714
35 years$30,558$20,557$13,468$8,635$5,443$599
36 years$29,382$19,512$12,599$7,952$4,932$503
37 years$28,273$18,532$11,793$7,327$4,470$422
38 years$27,225$17,612$11,043$6,753$4,052$354
39 years$26,233$16,747$10,346$6,227$3,675$298
40 years$25,292$15,934$9,698$5,743$3,333$250
41 years$24,400$15,167$9,093$5,299$3,024$210
42 years$23,553$14,445$8,530$4,890$2,744$176
43 years$22,748$13,763$8,004$4,514$2,490$148
44 years$21,981$13,119$7,513$4,168$2,260$124
45 years$21,250$12,510$7,055$3,850$2,052$104
46 years$20,553$11,934$6,626$3,556$1,863$87
47 years$19,888$11,389$6,225$3,285$1,692$73
48 years$19,252$10,872$5,850$3,036$1,536$62
49 years$18,644$10,382$5,498$2,805$1,395$52
50 years$18,062$9,918$5,169$2,593$1,267$43

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 $5,757 every year, while hoping to spend $56,947 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: 67/22/11 Blend
34$18,500,000$18,500,000$18,500,000$18,500,000
35$20,392,938$19,412,438$19,125,688$21,710,737
36$22,412,427$20,303,057$19,705,808$23,478,803
37$24,635,995$21,235,407$20,303,453$25,403,821
38$27,084,398$22,211,473$20,919,150$27,506,990
39$29,780,507$23,233,336$21,553,442$29,805,738
40$32,749,525$24,303,175$22,206,888$32,319,241
41$36,019,221$25,423,276$22,880,064$35,068,594
42$39,620,198$26,596,033$23,573,563$38,077,014
43$43,586,176$27,823,956$24,287,995$41,370,044
44$47,954,312$29,109,676$25,023,989$44,975,800
45$52,765,552$30,455,951$25,782,192$48,925,223
46$58,065,015$31,865,669$26,563,273$53,252,370
47$63,902,421$33,341,861$27,367,916$57,994,727
48$70,332,558$34,887,702$28,196,831$63,193,561
49$77,415,799$36,506,520$29,050,746$68,894,298
50$85,218,674$38,201,803$29,930,410$75,146,952
51$93,814,497$39,977,209$30,836,596$82,006,584
52$103,284,054$41,836,571$31,770,100$89,533,817
53$113,716,371$43,783,906$32,731,742$97,795,404
54$125,209,551$45,823,428$33,722,366$106,864,846
55$137,871,699$47,959,550$34,742,839$116,823,080
56$151,821,946$50,196,902$35,794,058$127,759,234
57$167,191,570$52,540,335$36,876,944$139,771,461
58$184,125,234$54,994,935$37,992,445$152,967,854
59$202,782,355$57,566,035$39,141,540$167,467,459
60$223,338,608$60,259,223$40,325,234$183,401,388
61$245,987,582$63,080,360$41,544,565$200,914,045
62$270,942,606$66,035,589$42,800,599$220,164,480
63$298,438,767$69,131,348$44,094,435$241,327,879
64$328,735,128$72,374,391$45,427,205$264,597,205
65$362,117,169$75,771,794$46,800,074$290,185,005
66$398,899,487$79,330,978$48,214,243$318,325,408
67$439,428,761$83,059,723$49,670,947$349,276,319
68$484,087,030$86,966,185$51,171,459$383,321,837
69$533,295,293$91,058,914$52,717,088$420,774,927
70$587,517,488$95,346,875$54,309,185$461,980,355
71$647,264,867$99,839,468$55,949,139$507,317,928
72$713,100,828$104,546,546$57,638,380$557,206,060
73$785,646,228$109,478,442$59,378,381$612,105,708
74$865,585,246$114,645,989$61,170,659$672,524,702
75$953,671,841$120,060,542$63,016,776$739,022,519
76$1,050,736,872$125,734,011$64,918,341$812,215,546
77$1,157,695,936$131,678,881$66,877,009$892,782,876
78$1,275,558,018$137,908,243$68,894,485$981,472,698
79$1,405,435,011$144,435,822$70,972,525$1,079,109,335
80$1,548,552,214$151,276,009$73,112,937$1,186,601,002
81$1,706,259,901$158,443,895$75,317,582$1,304,948,354
82$1,880,046,067$165,955,302$77,588,376$1,435,253,907
83$2,071,550,472$173,826,818$79,927,294$1,578,732,417
84$2,282,580,127$182,075,839$82,336,365$1,736,722,316
85$2,515,126,350$190,720,605$84,817,683$1,910,698,322
86$2,771,383,564$199,780,241$87,373,401$2,102,285,325
87$3,053,770,014$209,274,800$90,005,738$2,313,273,693
88$3,364,950,601$219,225,310$92,716,975$2,545,636,142
89$3,707,862,033$229,653,820$95,509,464$2,801,546,317
90$4,085,740,554$240,583,452$98,385,625$3,083,399,279
91$4,502,152,497$252,038,448$101,347,950$3,393,834,073
92$4,961,027,951$264,044,230$104,399,005$3,735,758,599
93$5,466,697,861$276,627,457$107,541,431$4,112,377,022
94$6,023,934,922$289,816,081$110,777,948$4,527,219,973
95$6,637,998,630$303,639,416$114,111,356$4,984,177,834
96$7,314,684,940$318,128,197$117,544,536$5,487,537,411
97$8,060,380,983$333,314,658$121,080,457$6,042,022,357
98$8,882,125,366$349,232,598$124,722,174$6,652,837,702
99$9,787,674,619$365,917,461$128,472,833$7,325,718,945
100$10,785,576,428$383,406,415$132,335,671$8,066,986,130