Can I retire at age 35 with 18,800,000?

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 $18,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$1,552,486$1,538,658$1,525,166$1,511,997$1,499,138$1,455,232
2 years$768,558$754,244$740,372$726,922$713,875$669,996
3 years$507,282$492,907$479,070$465,746$452,912$410,435
4 years$376,670$362,339$348,640$335,544$323,021$282,272
5 years$298,323$284,078$270,559$257,730$245,555$206,646
6 years$246,109$231,971$218,652$206,108$194,299$157,264
7 years$208,828$194,809$181,701$169,453$158,017$122,856
8 years$180,880$166,987$154,097$142,150$131,091$97,783
9 years$159,154$145,392$132,723$121,080$110,397$78,908
10 years$141,783$128,156$115,711$104,372$94,064$64,351
11 years$127,580$114,090$101,870$90,835$80,898$52,910
12 years$115,753$102,401$90,407$79,675$70,105$43,787
13 years$105,753$92,541$80,773$70,341$61,133$36,426
14 years$97,189$84,117$72,575$62,441$53,589$30,430
15 years$89,773$76,842$65,525$55,686$47,184$25,509
16 years$83,291$70,501$59,408$49,861$41,701$21,445
17 years$77,577$64,929$54,059$44,800$36,975$18,070
18 years$72,504$59,997$49,349$40,373$32,876$15,257
19 years$67,971$55,605$45,177$36,481$29,303$12,902
20 years$63,895$51,671$41,461$33,040$26,174$10,926
21 years$60,213$48,129$38,136$29,986$23,423$9,263
22 years$56,870$44,927$35,148$27,264$20,996$7,861
23 years$53,822$42,019$32,453$24,830$18,847$6,677
24 years$51,032$39,369$30,014$22,647$16,940$5,675
25 years$48,469$36,946$27,799$20,682$15,243$4,826
26 years$46,108$34,723$25,782$18,911$13,731$4,106
27 years$43,925$32,679$23,941$17,309$12,379$3,495
28 years$41,901$30,793$22,256$15,859$11,170$2,976
29 years$40,021$29,050$20,711$14,543$10,086$2,535
30 years$38,269$27,434$19,292$13,347$9,114$2,160
31 years$36,633$25,935$17,985$12,258$8,240$1,840
32 years$35,103$24,539$16,780$11,266$7,453$1,569
33 years$33,668$23,239$15,668$10,360$6,745$1,337
34 years$32,321$22,026$14,639$9,532$6,107$1,140
35 years$31,053$20,891$13,687$8,775$5,531$972
36 years$29,859$19,828$12,804$8,081$5,012$829
37 years$28,732$18,833$11,984$7,446$4,542$707
38 years$27,666$17,898$11,222$6,863$4,118$603
39 years$26,658$17,019$10,514$6,328$3,734$514
40 years$25,703$16,192$9,855$5,837$3,387$439
41 years$24,796$15,413$9,241$5,385$3,073$374
42 years$23,935$14,679$8,668$4,970$2,788$319
43 years$23,116$13,986$8,134$4,588$2,531$272
44 years$22,337$13,332$7,635$4,236$2,297$232
45 years$21,594$12,713$7,169$3,912$2,085$198
46 years$20,886$12,128$6,733$3,614$1,893$169
47 years$20,210$11,574$6,326$3,338$1,719$144
48 years$19,564$11,049$5,945$3,085$1,561$123
49 years$18,946$10,551$5,588$2,851$1,418$105
50 years$18,355$10,079$5,253$2,635$1,288$90

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,800,000, adding $6,946 every year, while hoping to spend $29,083 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: 74/16/10 Blend
34$18,800,000$18,800,000$18,800,000$18,800,000
35$20,724,765$19,728,365$19,436,965$22,220,029
36$22,807,747$20,664,111$20,057,159$24,143,115
37$25,102,218$21,644,733$20,697,155$26,245,026
38$27,629,720$22,672,401$21,357,585$28,546,980
39$30,413,990$23,749,387$22,039,103$31,068,783
40$33,481,186$24,878,076$22,742,382$33,832,235
41$36,860,132$26,060,967$23,468,117$36,861,335
42$40,582,593$27,300,681$24,217,026$40,182,499
43$44,683,570$28,599,968$24,989,850$43,824,810
44$49,201,636$29,961,708$25,787,351$47,820,284
45$54,179,296$31,388,925$26,610,320$52,204,172
46$59,663,388$32,884,786$27,459,570$57,015,286
47$65,705,529$34,452,616$28,335,941$62,296,364
48$72,362,597$36,095,898$29,240,299$68,094,462
49$79,697,271$37,818,286$30,173,538$74,461,401
50$87,778,624$39,623,613$31,136,583$81,454,246
51$96,682,770$41,515,896$32,130,385$89,135,839
52$106,493,586$43,499,349$33,155,927$97,575,391
53$117,303,505$45,578,391$34,214,223$106,849,123
54$129,214,384$47,757,653$35,306,321$117,040,986
55$142,338,470$50,041,997$36,433,301$128,243,440
56$156,799,455$52,436,515$37,596,278$140,558,326
57$172,733,648$54,946,553$38,796,402$154,097,816
58$190,291,259$57,577,713$40,034,860$168,985,468
59$209,637,817$60,335,872$41,312,878$185,357,379
60$230,955,736$63,227,191$42,631,721$203,363,469
61$254,446,030$66,258,132$43,992,693$223,168,882
62$280,330,218$69,435,474$45,397,141$244,955,538
63$308,852,411$72,766,322$46,846,455$268,923,840
64$340,281,614$76,258,129$48,342,069$295,294,559
65$374,914,274$79,918,712$49,885,463$324,310,904
66$413,077,069$83,756,268$51,478,165$356,240,808
67$455,129,997$87,779,393$53,121,751$391,379,450
68$501,469,774$91,997,101$54,817,848$430,052,025
69$552,533,580$96,418,847$56,568,134$472,616,803
70$608,803,181$101,054,546$58,374,342$519,468,499
71$670,809,483$105,914,597$60,238,260$571,041,988
72$739,137,542$111,009,904$62,161,734$627,816,391
73$814,432,086$116,351,904$64,146,667$690,319,588
74$897,403,602$121,952,591$66,195,024$759,133,183
75$988,835,046$127,824,544$68,308,833$834,897,983
76$1,089,589,230$133,980,956$70,490,188$918,320,023
77$1,200,616,970$140,435,662$72,741,249$1,010,177,221
78$1,322,966,064$147,203,172$75,064,243$1,111,326,702
79$1,457,791,179$154,298,704$77,461,472$1,222,712,865
80$1,606,364,757$161,738,218$79,935,309$1,345,376,286
81$1,770,089,024$169,538,453$82,488,204$1,480,463,516
82$1,950,509,232$177,716,964$85,122,686$1,629,237,882
83$2,149,328,241$186,292,163$87,841,363$1,793,091,396
84$2,368,422,601$195,283,359$90,646,929$1,973,557,866
85$2,609,860,267$204,710,804$93,542,161$2,172,327,353
86$2,875,920,120$214,595,739$96,529,929$2,391,262,101
87$3,169,113,482$224,960,440$99,613,192$2,632,414,088
88$3,492,207,826$235,828,270$102,795,003$2,898,044,372
89$3,848,252,904$247,223,735$106,078,515$3,190,644,402
90$4,240,609,536$259,172,534$109,466,981$3,512,959,509
91$4,672,981,341$271,701,621$112,963,758$3,868,014,794
92$5,149,449,704$284,839,267$116,572,310$4,259,143,647
93$5,674,512,305$298,615,122$120,296,213$4,690,019,181
94$6,253,125,581$313,060,284$124,139,157$5,164,688,874
95$6,890,751,521$328,207,368$128,104,950$5,687,612,738
96$7,593,409,232$344,090,585$132,197,521$6,263,705,381
97$8,367,731,763$360,745,813$136,420,927$6,898,382,364
98$9,221,028,727$378,210,682$140,779,353$7,597,611,280
99$10,161,355,315$396,524,663$145,277,118$8,367,968,045
100$11,197,588,336$415,729,150$149,918,681$9,216,698,932