Can I retire at age 35 with 18,700,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $18,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$1,544,229$1,530,473$1,517,053$1,503,955$1,491,164$1,460,460
2 years$764,470$750,232$736,434$723,055$710,078$679,284
3 years$504,584$490,285$476,521$463,268$450,503$420,579
4 years$374,667$360,411$346,785$333,759$321,302$292,479
5 years$296,736$282,567$269,120$256,359$244,249$216,609
6 years$244,800$230,737$217,489$205,012$193,266$166,838
7 years$207,717$193,773$180,734$168,552$157,177$131,968
8 years$179,918$166,099$153,277$141,394$130,393$106,395
9 years$158,307$144,619$132,017$120,436$109,810$87,005
10 years$141,029$127,475$115,096$103,817$93,564$71,931
11 years$126,902$113,483$101,328$90,352$80,468$59,980
12 years$115,137$101,856$89,926$79,251$69,732$50,358
13 years$105,190$92,048$80,343$69,967$60,807$42,515
14 years$96,672$83,669$72,189$62,109$53,303$36,057
15 years$89,296$76,434$65,177$55,390$46,933$30,695
16 years$82,848$70,126$59,092$49,596$41,479$26,212
17 years$77,165$64,584$53,772$44,561$36,778$22,443
18 years$72,119$59,678$49,087$40,159$32,702$19,258
19 years$67,609$55,309$44,936$36,287$29,148$16,556
20 years$63,555$51,396$41,240$32,865$26,035$14,256
21 years$59,893$47,873$37,933$29,827$23,299$12,292
22 years$56,567$44,688$34,961$27,119$20,884$10,611
23 years$53,535$41,796$32,281$24,698$18,747$9,169
24 years$50,760$39,160$29,854$22,526$16,850$7,930
25 years$48,211$36,750$27,651$20,572$15,162$6,863
26 years$45,862$34,539$25,645$18,810$13,658$5,944
27 years$43,691$32,505$23,813$17,217$12,314$5,150
28 years$41,678$30,629$22,138$15,775$11,111$4,465
29 years$39,808$28,895$20,601$14,466$10,033$3,872
30 years$38,065$27,288$19,189$13,276$9,065$3,359
31 years$36,438$25,797$17,889$12,193$8,196$2,915
32 years$34,916$24,409$16,691$11,206$7,414$2,531
33 years$33,489$23,116$15,585$10,305$6,709$2,197
34 years$32,149$21,908$14,561$9,481$6,075$1,908
35 years$30,888$20,780$13,614$8,728$5,502$1,657
36 years$29,700$19,723$12,735$8,038$4,985$1,440
37 years$28,579$18,732$11,920$7,406$4,518$1,251
38 years$27,519$17,802$11,163$6,826$4,096$1,087
39 years$26,516$16,928$10,458$6,294$3,714$945
40 years$25,566$16,106$9,802$5,806$3,369$821
41 years$24,664$15,331$9,192$5,356$3,057$713
42 years$23,808$14,601$8,622$4,943$2,774$620
43 years$22,993$13,912$8,091$4,563$2,517$539
44 years$22,218$13,261$7,594$4,213$2,285$469
45 years$21,480$12,645$7,131$3,891$2,074$407
46 years$20,775$12,063$6,698$3,594$1,883$354
47 years$20,103$11,512$6,292$3,321$1,710$308
48 years$19,460$10,990$5,913$3,068$1,553$268
49 years$18,846$10,495$5,558$2,836$1,410$233
50 years$18,258$10,025$5,225$2,621$1,281$202

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,700,000, adding $2,254 every year, while hoping to spend $59,946 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: 77/7/16 Blend
34$18,700,000$18,700,000$18,700,000$18,700,000
35$20,609,725$19,618,625$19,328,775$22,124,775
36$22,648,135$20,516,156$19,912,507$24,022,652
37$24,892,453$21,455,656$20,513,785$26,095,636
38$27,363,620$22,439,119$21,133,133$28,367,332
39$30,084,708$23,468,635$21,771,091$30,857,561
40$33,081,142$24,546,392$22,428,217$33,588,149
41$36,380,937$25,674,684$23,105,081$36,583,133
42$40,014,966$26,855,916$23,802,274$39,868,982
43$44,017,245$28,092,609$24,520,403$43,474,848
44$48,425,261$29,387,404$25,260,093$47,432,836
45$53,280,319$30,743,068$26,021,988$51,778,305
46$58,627,938$32,162,504$26,806,751$56,550,203
47$64,518,273$33,648,753$27,615,063$61,791,425
48$71,006,597$35,205,002$28,447,627$67,549,222
49$78,153,815$36,834,592$29,305,168$73,875,641
50$86,027,042$38,541,025$30,188,429$80,828,011
51$94,700,237$40,327,972$31,098,178$88,469,487
52$104,254,899$42,199,280$32,035,204$96,869,635
53$114,780,836$44,158,982$33,000,321$106,105,095
54$126,377,014$46,211,306$33,994,365$116,260,291
55$139,152,492$48,360,682$35,018,199$127,428,231
56$153,227,447$50,611,756$36,072,709$139,711,379
57$168,734,311$52,969,396$37,158,809$153,222,619
58$185,819,021$55,438,707$38,277,440$168,086,314
59$204,642,397$58,025,040$39,429,570$184,439,480
60$225,381,658$60,734,003$40,616,196$202,433,069
61$248,232,093$63,571,475$41,838,346$222,233,397
62$273,408,911$66,543,622$43,097,074$244,023,703
63$301,149,264$69,656,903$44,393,470$268,005,875
64$331,714,491$72,918,094$45,728,653$294,402,354
65$365,392,583$76,334,294$47,103,778$323,458,222
66$402,500,902$79,912,950$48,520,030$355,443,519
67$443,389,175$83,661,866$49,978,632$390,655,777
68$488,442,798$87,589,224$51,480,843$429,422,828
69$538,086,469$91,703,602$53,027,957$472,105,892
70$592,788,204$96,013,994$54,621,309$519,102,979
71$653,063,749$100,529,827$56,262,270$570,852,640
72$719,481,450$105,260,988$57,952,255$627,838,101
73$792,667,621$110,217,839$59,692,719$690,591,815
74$873,312,452$115,411,247$61,485,158$759,700,482
75$962,176,526$120,852,602$63,331,115$835,810,580
76$1,060,098,002$126,553,850$65,232,178$919,634,459
77$1,168,000,521$132,527,511$67,189,979$1,011,957,058
78$1,286,901,932$138,786,717$69,206,201$1,113,643,303
79$1,417,923,895$145,345,233$71,282,575$1,225,646,266
80$1,562,302,475$152,217,491$73,420,883$1,349,016,152
81$1,721,399,806$159,418,627$75,622,961$1,484,910,203
82$1,896,716,952$166,964,505$77,890,697$1,634,603,609
83$2,089,908,080$174,871,765$80,226,034$1,799,501,541
84$2,302,796,072$183,157,849$82,630,973$1,981,152,399
85$2,537,389,736$191,841,048$85,107,576$2,181,262,423
86$2,795,902,770$200,940,541$87,657,961$2,401,711,783
87$3,080,774,661$210,476,437$90,284,311$2,644,572,319
88$3,394,693,715$220,469,820$92,988,874$2,912,127,086
89$3,740,622,432$230,942,800$95,773,960$3,206,891,893
90$4,121,825,483$241,918,560$98,641,950$3,531,639,039
91$4,541,900,521$253,421,408$101,595,294$3,889,423,467
92$5,004,812,152$265,476,834$104,636,514$4,283,611,594
93$5,514,929,359$278,111,566$107,768,204$4,717,913,070
94$6,077,066,751$291,353,631$110,993,037$5,196,415,784
95$6,696,530,017$305,232,416$114,313,762$5,723,624,438
96$7,379,166,014$319,778,740$117,733,208$6,304,503,057
97$8,131,417,965$335,024,916$121,254,288$6,944,521,828
98$8,960,386,292$351,004,831$124,880,001$7,649,708,729
99$9,873,895,644$367,754,018$128,613,431$8,426,706,407
100$10,880,568,774$385,309,739$132,457,755$9,282,834,877