Can I retire at age 35 with 18,600,000?

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 $18,600,000?

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$1,535,971$1,522,289$1,508,941$1,495,912$1,483,190$1,433,991
2 years$760,381$746,220$732,495$719,188$706,281$657,191
3 years$501,886$487,663$473,973$460,791$448,094$400,654
4 years$372,663$358,484$344,931$331,974$319,584$274,158
5 years$295,150$281,056$267,681$254,988$242,943$199,651
6 years$243,491$229,503$216,326$203,916$192,232$151,110
7 years$206,606$192,736$179,768$167,650$156,336$117,378
8 years$178,956$165,211$152,457$140,638$129,696$92,873
9 years$157,461$143,846$131,311$119,792$109,223$74,491
10 years$140,275$126,793$114,480$103,262$93,063$60,368
11 years$126,223$112,876$100,787$89,869$80,038$49,317
12 years$114,521$101,312$89,446$78,827$69,359$40,543
13 years$104,628$91,556$79,914$69,593$60,482$33,499
14 years$96,155$83,222$71,803$61,776$53,018$27,792
15 years$88,818$76,025$64,828$55,094$46,682$23,133
16 years$82,405$69,751$58,776$49,330$41,257$19,308
17 years$76,752$64,238$53,484$44,323$36,582$16,151
18 years$71,733$59,359$48,824$39,944$32,527$13,535
19 years$67,248$55,013$44,696$36,093$28,992$11,360
20 years$63,216$51,121$41,020$32,689$25,896$9,547
21 years$59,572$47,617$37,730$29,667$23,174$8,032
22 years$56,265$44,449$34,774$26,974$20,772$6,763
23 years$53,249$41,572$32,108$24,566$18,646$5,699
24 years$50,489$38,951$29,694$22,406$16,760$4,805
25 years$47,954$36,553$27,503$20,462$15,081$4,054
26 years$45,617$34,354$25,508$18,710$13,585$3,422
27 years$43,457$32,331$23,686$17,125$12,248$2,889
28 years$41,455$30,466$22,019$15,690$11,051$2,440
29 years$39,595$28,741$20,491$14,388$9,979$2,061
30 years$37,862$27,143$19,086$13,205$9,017$1,742
31 years$36,243$25,659$17,794$12,128$8,152$1,472
32 years$34,729$24,278$16,602$11,146$7,374$1,244
33 years$33,310$22,992$15,501$10,249$6,673$1,052
34 years$31,977$21,791$14,483$9,430$6,042$889
35 years$30,723$20,669$13,541$8,681$5,473$752
36 years$29,541$19,618$12,667$7,995$4,958$636
37 years$28,426$18,632$11,856$7,366$4,494$538
38 years$27,372$17,707$11,103$6,790$4,074$455
39 years$26,374$16,838$10,402$6,261$3,695$385
40 years$25,429$16,020$9,750$5,774$3,351$325
41 years$24,532$15,249$9,142$5,328$3,040$275
42 years$23,681$14,523$8,576$4,917$2,759$233
43 years$22,871$13,837$8,047$4,539$2,504$197
44 years$22,099$13,190$7,554$4,191$2,273$167
45 years$21,365$12,578$7,093$3,870$2,063$141
46 years$20,664$11,999$6,662$3,575$1,873$119
47 years$19,995$11,450$6,259$3,303$1,701$101
48 years$19,356$10,931$5,881$3,052$1,545$85
49 years$18,745$10,439$5,528$2,821$1,403$72
50 years$18,160$9,971$5,197$2,607$1,274$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,600,000, adding $4,286 every year, while hoping to spend $28,008 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: 58/28/14 Blend
34$18,600,000$18,600,000$18,600,000$18,600,000
35$20,501,621$19,515,821$19,227,521$21,617,690
36$22,562,986$20,442,296$19,841,843$23,298,897
37$24,833,672$21,413,229$20,475,805$25,127,212
38$27,334,999$22,430,770$21,130,038$27,119,568
39$30,090,463$23,497,172$21,805,188$29,291,739
40$33,125,954$24,614,797$22,501,925$31,661,063
41$36,470,002$25,786,123$23,220,941$34,246,604
42$40,154,047$27,013,748$23,962,947$37,069,322
43$44,212,734$28,300,396$24,728,680$40,152,268
44$48,684,240$29,648,923$25,518,899$43,520,793
45$53,610,638$31,062,325$26,334,386$47,202,780
46$59,038,287$32,543,743$27,175,952$51,228,900
47$65,018,276$34,096,470$28,044,430$55,632,896
48$71,606,903$35,723,961$28,940,682$60,451,891
49$78,866,209$37,429,836$29,865,597$65,726,730
50$86,864,559$39,217,895$30,820,091$71,502,359
51$95,677,291$41,092,119$31,805,111$77,828,237
52$105,387,428$43,056,686$32,821,635$84,758,797
53$116,086,456$45,115,974$33,870,671$92,353,947
54$127,875,195$47,274,577$34,953,259$100,679,625
55$140,864,745$49,537,312$36,070,473$109,808,413
56$155,177,537$51,909,228$37,223,422$119,820,208
57$170,948,488$54,395,622$38,413,249$130,802,964
58$188,326,276$57,002,050$39,641,134$142,853,513
59$207,474,740$59,734,335$40,908,297$156,078,463
60$228,574,433$62,598,586$42,215,994$170,595,189
61$251,824,318$65,601,210$43,565,523$186,532,933
62$277,443,653$68,748,924$44,958,223$204,034,002
63$305,674,058$72,048,773$46,395,475$223,255,098
64$336,781,796$75,508,147$47,878,707$244,368,784
65$371,060,285$79,134,793$49,409,390$267,565,090
66$408,832,873$82,936,836$50,989,044$293,053,293
67$450,455,885$86,922,800$52,619,236$321,063,872
68$496,321,989$91,101,621$54,301,584$351,850,663
69$546,863,903$95,482,672$56,037,758$385,693,239
70$602,558,480$100,075,782$57,829,482$422,899,520
71$663,931,210$104,891,259$59,678,534$463,808,664
72$731,561,178$109,939,916$61,586,750$508,794,242
73$806,086,537$115,233,090$63,556,024$558,267,737
74$888,210,524$120,782,672$65,588,312$612,682,410
75$978,708,108$126,601,133$67,685,631$672,537,541
76$1,078,433,299$132,701,553$69,850,063$738,383,125
77$1,188,327,213$139,097,647$72,083,758$810,825,026
78$1,309,426,959$145,803,802$74,388,934$890,530,667
79$1,442,875,426$152,835,105$76,767,881$978,235,301
80$1,589,932,074$160,207,380$79,222,960$1,074,748,915
81$1,751,984,826$167,937,222$81,756,609$1,180,963,840
82$1,930,563,169$176,042,037$84,371,346$1,297,863,139
83$2,127,352,593$184,540,078$87,069,767$1,426,529,850
84$2,344,210,506$193,450,490$89,854,553$1,568,157,163
85$2,583,183,767$202,793,352$92,728,469$1,724,059,648
86$2,846,528,009$212,589,725$95,694,371$1,895,685,613
87$3,136,728,938$222,861,694$98,755,205$2,084,630,737
88$3,456,525,797$233,632,424$101,914,011$2,292,653,078
89$3,808,937,226$244,926,211$105,173,928$2,521,689,621
90$4,197,289,764$256,768,536$108,538,196$2,773,874,510
91$4,625,249,250$269,186,124$112,010,155$3,051,559,135
92$5,096,855,436$282,207,006$115,593,258$3,357,334,279
93$5,616,560,121$295,860,581$119,291,063$3,694,054,502
94$6,189,269,186$310,177,681$123,107,246$4,064,865,037
95$6,820,388,903$325,190,648$127,045,599$4,473,231,404
96$7,515,876,980$340,933,399$131,110,036$4,922,972,062
97$8,282,298,807$357,441,510$135,304,596$5,418,294,377
98$9,126,889,434$374,752,293$139,633,449$5,963,834,270
99$10,057,621,884$392,904,882$144,100,897$6,564,699,895
100$11,083,282,420$411,940,326$148,711,381$7,226,519,778