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

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 $18,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$1,544,229$1,530,473$1,517,053$1,503,955$1,491,164$1,432,566
2 years$764,470$750,232$736,434$723,055$710,078$651,759
3 years$504,584$490,285$476,521$463,268$450,503$394,298
4 years$374,667$360,411$346,785$333,759$321,302$267,640
5 years$296,736$282,567$269,120$256,359$244,249$193,266
6 years$244,800$230,737$217,489$205,012$193,266$144,996
7 years$207,717$193,773$180,734$168,552$157,177$111,603
8 years$179,918$166,099$153,277$141,394$130,393$87,470
9 years$158,307$144,619$132,017$120,436$109,810$69,472
10 years$141,029$127,475$115,096$103,817$93,564$55,734
11 years$126,902$113,483$101,328$90,352$80,468$45,059
12 years$115,137$101,856$89,926$79,251$69,732$36,650
13 years$105,190$92,048$80,343$69,967$60,807$29,953
14 years$96,672$83,669$72,189$62,109$53,303$24,574
15 years$89,296$76,434$65,177$55,390$46,933$20,223
16 years$82,848$70,126$59,092$49,596$41,479$16,684
17 years$77,165$64,584$53,772$44,561$36,778$13,792
18 years$72,119$59,678$49,087$40,159$32,702$11,421
19 years$67,609$55,309$44,936$36,287$29,148$9,470
20 years$63,555$51,396$41,240$32,865$26,035$7,862
21 years$59,893$47,873$37,933$29,827$23,299$6,532
22 years$56,567$44,688$34,961$27,119$20,884$5,432
23 years$53,535$41,796$32,281$24,698$18,747$4,520
24 years$50,760$39,160$29,854$22,526$16,850$3,763
25 years$48,211$36,750$27,651$20,572$15,162$3,134
26 years$45,862$34,539$25,645$18,810$13,658$2,611
27 years$43,691$32,505$23,813$17,217$12,314$2,177
28 years$41,678$30,629$22,138$15,775$11,111$1,815
29 years$39,808$28,895$20,601$14,466$10,033$1,513
30 years$38,065$27,288$19,189$13,276$9,065$1,262
31 years$36,438$25,797$17,889$12,193$8,196$1,053
32 years$34,916$24,409$16,691$11,206$7,414$878
33 years$33,489$23,116$15,585$10,305$6,709$733
34 years$32,149$21,908$14,561$9,481$6,075$611
35 years$30,888$20,780$13,614$8,728$5,502$510
36 years$29,700$19,723$12,735$8,038$4,985$426
37 years$28,579$18,732$11,920$7,406$4,518$355
38 years$27,519$17,802$11,163$6,826$4,096$296
39 years$26,516$16,928$10,458$6,294$3,714$247
40 years$25,566$16,106$9,802$5,806$3,369$206
41 years$24,664$15,331$9,192$5,356$3,057$172
42 years$23,808$14,601$8,622$4,943$2,774$144
43 years$22,993$13,912$8,091$4,563$2,517$120
44 years$22,218$13,261$7,594$4,213$2,285$100
45 years$21,480$12,645$7,131$3,891$2,074$84
46 years$20,775$12,063$6,698$3,594$1,883$70
47 years$20,103$11,512$6,292$3,321$1,710$58
48 years$19,460$10,990$5,913$3,068$1,553$49
49 years$18,846$10,495$5,558$2,836$1,410$41
50 years$18,258$10,025$5,225$2,621$1,281$34

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 $4,517 every year, while hoping to spend $49,969 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: 43/49/8 Blend
34$18,700,000$18,700,000$18,700,000$18,700,000
35$20,612,059$19,620,959$19,331,109$21,450,567
36$22,661,323$20,529,220$19,925,535$22,941,713
37$24,917,936$21,480,310$20,538,199$24,550,675
38$27,402,997$22,476,276$21,169,660$26,292,513
39$30,139,752$23,519,263$21,820,492$28,179,394
40$33,153,818$24,611,518$22,491,290$30,224,661
41$36,473,422$25,755,398$23,182,663$32,442,951
42$40,129,671$26,953,372$23,895,242$34,850,325
43$44,156,839$28,208,029$24,629,675$37,464,411
44$48,592,698$29,522,084$25,386,631$40,304,556
45$53,478,869$30,898,381$26,166,798$43,392,003
46$58,861,214$32,339,903$26,970,887$46,750,076
47$64,790,276$33,849,776$27,799,629$50,404,392
48$71,321,746$35,431,276$28,653,778$54,383,089
49$78,516,996$37,087,841$29,534,112$58,717,078
50$86,443,655$38,823,071$30,441,430$63,440,324
51$95,176,247$40,640,741$31,376,558$68,590,150
52$104,796,898$42,544,811$32,340,346$74,207,577
53$115,396,104$44,539,429$33,333,670$80,337,693
54$127,073,592$46,628,946$34,357,433$87,030,065
55$139,939,257$48,817,923$35,412,565$94,339,189
56$154,114,200$51,111,140$36,500,025$102,324,989
57$169,731,874$53,513,611$37,620,801$111,053,359
58$186,939,338$56,030,591$38,775,911$120,596,772
59$205,898,650$58,667,590$39,966,404$131,034,939
60$226,788,394$61,430,384$41,193,360$142,455,543
61$249,805,366$64,325,029$42,457,894$154,955,042
62$275,166,434$67,357,875$43,761,154$168,639,561
63$303,110,579$70,535,580$45,104,321$183,625,863
64$333,901,157$73,865,123$46,488,616$200,042,432
65$367,828,384$77,353,823$47,915,293$218,030,653
66$405,212,071$81,009,352$49,385,647$237,746,125
67$446,404,648$84,839,755$50,901,012$259,360,095
68$491,794,487$88,853,469$52,462,761$283,061,047
69$541,809,572$93,059,336$54,072,310$309,056,449
70$596,921,535$97,466,629$55,731,119$337,574,676
71$657,650,110$102,085,073$57,440,691$368,867,132
72$724,568,042$106,924,862$59,202,574$403,210,586
73$798,306,488$111,996,686$61,018,366$440,909,744
74$879,560,979$117,311,753$62,889,710$482,300,090
75$969,097,986$122,881,816$64,818,303$527,751,004
76$1,067,762,153$128,719,198$66,805,889$577,669,209
77$1,176,484,276$134,836,822$68,854,269$632,502,562
78$1,296,290,082$141,248,236$70,965,297$692,744,234
79$1,428,309,919$147,967,649$73,140,884$758,937,311
80$1,573,789,425$155,009,957$75,382,997$831,679,873
81$1,734,101,284$162,390,783$77,693,666$911,630,578
82$1,910,758,192$170,126,508$80,074,980$999,514,824
83$2,105,427,129$178,234,308$82,529,093$1,096,131,535
84$2,319,945,103$186,732,197$85,058,225$1,202,360,638
85$2,556,336,489$195,639,060$87,664,661$1,319,171,301
86$2,816,832,142$204,974,705$90,350,758$1,447,631,012
87$3,103,890,456$214,759,900$93,118,944$1,588,915,584
88$3,420,220,572$225,016,426$95,971,718$1,744,320,171
89$3,768,807,959$235,767,119$98,911,660$1,915,271,422
90$4,152,942,594$247,035,931$101,941,423$2,103,340,854
91$4,576,250,022$258,847,975$105,063,744$2,310,259,605
92$5,042,725,587$271,229,589$108,281,443$2,537,934,679
93$5,556,772,149$284,208,391$111,597,423$2,788,466,853
94$6,123,241,650$297,813,344$115,014,679$3,064,170,404
95$6,747,480,920$312,074,819$118,536,292$3,367,594,846
96$7,435,382,158$327,024,669$122,165,441$3,701,548,893
97$8,193,438,554$342,696,294$125,905,400$4,069,126,849
98$9,028,805,596$359,124,722$129,759,541$4,473,737,696
99$9,949,368,621$376,346,687$133,731,339$4,919,137,149
100$10,963,817,257$394,400,711$137,824,375$5,409,462,975