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%13.6%
1 years$1,544,229$1,530,473$1,517,053$1,503,955$1,491,164$1,468,881
2 years$764,470$750,232$736,434$723,055$710,078$687,678
3 years$504,584$490,285$476,521$463,268$450,503$428,683
4 years$374,667$360,411$346,785$333,759$321,302$300,231
5 years$296,736$282,567$269,120$256,359$244,249$223,987
6 years$244,800$230,737$217,489$205,012$193,266$173,837
7 years$207,717$193,773$180,734$168,552$157,177$138,588
8 years$179,918$166,099$153,277$141,394$130,393$112,641
9 years$158,307$144,619$132,017$120,436$109,810$92,886
10 years$141,029$127,475$115,096$103,817$93,564$77,454
11 years$126,902$113,483$101,328$90,352$80,468$65,157
12 years$115,137$101,856$89,926$79,251$69,732$55,201
13 years$105,190$92,048$80,343$69,967$60,807$47,036
14 years$96,672$83,669$72,189$62,109$53,303$40,270
15 years$89,296$76,434$65,177$55,390$46,933$34,614
16 years$82,848$70,126$59,092$49,596$41,479$29,851
17 years$77,165$64,584$53,772$44,561$36,778$25,815
18 years$72,119$59,678$49,087$40,159$32,702$22,378
19 years$67,609$55,309$44,936$36,287$29,148$19,439
20 years$63,555$51,396$41,240$32,865$26,035$16,914
21 years$59,893$47,873$37,933$29,827$23,299$14,740
22 years$56,567$44,688$34,961$27,119$20,884$12,862
23 years$53,535$41,796$32,281$24,698$18,747$11,235
24 years$50,760$39,160$29,854$22,526$16,850$9,824
25 years$48,211$36,750$27,651$20,572$15,162$8,597
26 years$45,862$34,539$25,645$18,810$13,658$7,529
27 years$43,691$32,505$23,813$17,217$12,314$6,598
28 years$41,678$30,629$22,138$15,775$11,111$5,785
29 years$39,808$28,895$20,601$14,466$10,033$5,075
30 years$38,065$27,288$19,189$13,276$9,065$4,454
31 years$36,438$25,797$17,889$12,193$8,196$3,910
32 years$34,916$24,409$16,691$11,206$7,414$3,434
33 years$33,489$23,116$15,585$10,305$6,709$3,017
34 years$32,149$21,908$14,561$9,481$6,075$2,651
35 years$30,888$20,780$13,614$8,728$5,502$2,330
36 years$29,700$19,723$12,735$8,038$4,985$2,048
37 years$28,579$18,732$11,920$7,406$4,518$1,801
38 years$27,519$17,802$11,163$6,826$4,096$1,583
39 years$26,516$16,928$10,458$6,294$3,714$1,392
40 years$25,566$16,106$9,802$5,806$3,369$1,225
41 years$24,664$15,331$9,192$5,356$3,057$1,077
42 years$23,808$14,601$8,622$4,943$2,774$948
43 years$22,993$13,912$8,091$4,563$2,517$834
44 years$22,218$13,261$7,594$4,213$2,285$734
45 years$21,480$12,645$7,131$3,891$2,074$646
46 years$20,775$12,063$6,698$3,594$1,883$568
47 years$20,103$11,512$6,292$3,321$1,710$500
48 years$19,460$10,990$5,913$3,068$1,553$440
49 years$18,846$10,495$5,558$2,836$1,410$387
50 years$18,258$10,025$5,225$2,621$1,281$341

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 $4,557 every year, while hoping to spend $57,267 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: 73/12/15 Blend
34$18,700,000$18,700,000$18,700,000$18,700,000
35$20,612,101$19,621,001$19,331,151$22,047,912
36$22,653,603$20,521,498$19,917,812$23,900,124
37$24,901,420$21,464,200$20,522,208$25,920,930
38$27,376,534$22,451,115$21,144,871$28,132,991
39$30,102,067$23,484,347$21,786,352$30,555,256
40$33,103,499$24,566,101$22,447,215$33,208,589
41$36,408,903$25,698,687$23,128,044$36,115,956
42$40,049,218$26,884,529$23,829,440$39,302,642
43$44,058,532$28,126,166$24,552,021$42,796,488
44$48,474,412$29,426,258$25,296,423$46,628,147
45$53,338,252$30,787,594$26,063,303$50,831,373
46$58,695,667$32,213,099$26,853,337$55,443,332
47$64,596,920$33,705,836$27,667,219$60,504,956
48$71,097,401$35,269,018$28,505,666$66,061,317
49$78,258,147$36,906,010$29,369,417$72,162,056
50$86,146,417$38,620,343$30,259,231$78,861,842
51$94,836,327$40,415,716$31,175,891$86,220,887
52$104,409,551$42,296,005$32,120,202$94,305,506
53$114,956,092$44,265,276$33,092,996$103,188,745
54$126,575,128$46,327,789$34,095,126$112,951,057
55$139,375,952$48,488,011$35,127,473$123,681,062
56$153,479,000$50,750,625$36,190,944$135,476,378
57$169,016,990$53,120,537$37,286,472$148,444,532
58$186,136,173$55,602,894$38,415,020$162,703,977
59$204,997,715$58,203,088$39,577,576$178,385,196
60$225,779,219$60,926,776$40,775,161$195,631,931
61$248,676,395$63,779,884$42,008,824$214,602,536
62$273,904,915$66,768,626$43,279,648$235,471,460
63$301,702,446$69,899,518$44,588,746$258,430,888
64$332,330,890$73,179,389$45,937,264$283,692,549
65$366,078,862$76,615,401$47,326,383$311,489,707
66$403,264,409$80,215,058$48,757,320$342,079,350
67$444,238,015$83,986,233$50,231,327$375,744,616
68$489,385,909$87,937,174$51,749,693$412,797,449
69$539,133,710$92,076,534$53,313,746$453,581,537
70$593,950,446$96,413,382$54,924,853$498,475,548
71$654,352,979$100,957,225$56,584,424$547,896,694
72$720,910,888$105,718,034$58,293,907$602,304,658
73$794,251,841$110,706,260$60,054,795$662,205,921
74$875,067,525$115,932,863$61,868,627$728,158,537
75$964,120,172$121,409,333$63,736,985$800,777,381
76$1,062,249,755$127,147,715$65,661,499$880,739,950
77$1,170,381,919$133,160,643$67,643,849$968,792,739
78$1,289,536,719$139,461,358$69,685,762$1,065,758,275
79$1,420,838,247$146,063,747$71,789,017$1,172,542,871
80$1,565,525,248$152,982,371$73,955,449$1,290,145,164
81$1,724,962,810$160,232,494$76,186,944$1,419,665,530
82$1,900,655,254$167,830,123$78,485,444$1,562,316,450
83$2,094,260,333$175,792,043$80,852,950$1,719,433,943
84$2,307,604,886$184,135,852$83,291,522$1,892,490,164
85$2,542,702,078$192,880,002$85,803,282$2,083,107,277
86$2,801,770,410$202,043,843$88,390,412$2,293,072,750
87$3,087,254,663$211,647,662$91,055,162$2,524,356,217
88$3,401,848,976$221,712,735$93,799,847$2,779,128,041
89$3,748,522,280$232,261,367$96,626,851$3,059,779,787
90$4,130,546,330$243,316,951$99,538,627$3,368,946,776
91$4,551,526,588$254,904,014$102,537,703$3,709,532,941
92$5,015,436,265$267,048,276$105,626,681$4,084,738,210
93$5,526,653,829$279,776,706$108,808,240$4,498,088,698
94$6,090,004,341$293,117,586$112,085,138$4,953,469,962
95$6,710,805,007$307,100,572$115,460,214$5,455,163,655
96$7,394,915,379$321,756,761$118,936,392$6,007,887,922
97$8,148,792,669$337,118,764$122,516,682$6,616,841,903
98$8,979,552,714$353,220,776$126,204,184$7,287,754,792
99$9,895,037,154$370,098,657$130,002,087$8,026,939,883
100$10,903,887,464$387,790,011$133,913,678$8,841,354,141