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%11.1%
1 years$1,552,486$1,538,658$1,525,166$1,511,997$1,499,138$1,492,194
2 years$768,558$754,244$740,372$726,922$713,875$706,866
3 years$507,282$492,907$479,070$465,746$452,912$446,054
4 years$376,670$362,339$348,640$335,544$323,021$316,367
5 years$298,323$284,078$270,559$257,730$245,555$239,126
6 years$246,109$231,971$218,652$206,108$194,299$188,103
7 years$208,828$194,809$181,701$169,453$158,017$152,057
8 years$180,880$166,987$154,097$142,150$131,091$125,366
9 years$159,154$145,392$132,723$121,080$110,397$104,908
10 years$141,783$128,156$115,711$104,372$94,064$88,807
11 years$127,580$114,090$101,870$90,835$80,898$75,870
12 years$115,753$102,401$90,407$79,675$70,105$65,301
13 years$105,753$92,541$80,773$70,341$61,133$56,549
14 years$97,189$84,117$72,575$62,441$53,589$49,221
15 years$89,773$76,842$65,525$55,686$47,184$43,026
16 years$83,291$70,501$59,408$49,861$41,701$37,747
17 years$77,577$64,929$54,059$44,800$36,975$33,220
18 years$72,504$59,997$49,349$40,373$32,876$29,313
19 years$67,971$55,605$45,177$36,481$29,303$25,926
20 years$63,895$51,671$41,461$33,040$26,174$22,976
21 years$60,213$48,129$38,136$29,986$23,423$20,398
22 years$56,870$44,927$35,148$27,264$20,996$18,137
23 years$53,822$42,019$32,453$24,830$18,847$16,148
24 years$51,032$39,369$30,014$22,647$16,940$14,395
25 years$48,469$36,946$27,799$20,682$15,243$12,845
26 years$46,108$34,723$25,782$18,911$13,731$11,473
27 years$43,925$32,679$23,941$17,309$12,379$10,256
28 years$41,901$30,793$22,256$15,859$11,170$9,174
29 years$40,021$29,050$20,711$14,543$10,086$8,212
30 years$38,269$27,434$19,292$13,347$9,114$7,355
31 years$36,633$25,935$17,985$12,258$8,240$6,591
32 years$35,103$24,539$16,780$11,266$7,453$5,909
33 years$33,668$23,239$15,668$10,360$6,745$5,300
34 years$32,321$22,026$14,639$9,532$6,107$4,755
35 years$31,053$20,891$13,687$8,775$5,531$4,268
36 years$29,859$19,828$12,804$8,081$5,012$3,832
37 years$28,732$18,833$11,984$7,446$4,542$3,441
38 years$27,666$17,898$11,222$6,863$4,118$3,091
39 years$26,658$17,019$10,514$6,328$3,734$2,777
40 years$25,703$16,192$9,855$5,837$3,387$2,495
41 years$24,796$15,413$9,241$5,385$3,073$2,242
42 years$23,935$14,679$8,668$4,970$2,788$2,016
43 years$23,116$13,986$8,134$4,588$2,531$1,812
44 years$22,337$13,332$7,635$4,236$2,297$1,629
45 years$21,594$12,713$7,169$3,912$2,085$1,465
46 years$20,886$12,128$6,733$3,614$1,893$1,317
47 years$20,210$11,574$6,326$3,338$1,719$1,185
48 years$19,564$11,049$5,945$3,085$1,561$1,066
49 years$18,946$10,551$5,588$2,851$1,418$959
50 years$18,355$10,079$5,253$2,635$1,288$862

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 $6,527 every year, while hoping to spend $54,756 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: 64/6/30 Blend
34$18,800,000$18,800,000$18,800,000$18,800,000
35$20,724,333$19,727,933$19,436,533$21,883,903
36$22,779,955$20,636,341$20,029,396$23,579,772
37$25,043,415$21,587,427$20,640,286$25,425,557
38$27,535,855$22,583,223$21,269,748$27,441,413
39$30,280,571$23,625,860$21,918,343$29,644,080
40$33,303,235$24,717,572$22,586,653$32,051,983
41$36,632,132$25,860,701$23,275,273$34,685,406
42$40,298,434$27,057,699$23,984,819$37,566,677
43$44,336,488$28,311,141$24,715,925$40,720,380
44$48,784,144$29,623,720$25,469,242$44,173,581
45$53,683,109$30,998,264$26,245,444$47,956,082
46$59,079,341$32,437,735$27,045,222$52,100,698
47$65,023,487$33,945,237$27,869,290$56,643,566
48$71,571,355$35,524,026$28,718,383$61,624,478
49$78,784,443$37,177,513$29,593,258$67,087,258
50$86,730,519$38,909,273$30,494,695$73,080,169
51$95,484,261$40,723,058$31,423,497$79,656,365
52$105,127,963$42,622,795$32,380,492$86,874,390
53$115,752,309$44,612,605$33,366,531$94,798,725
54$127,457,228$46,696,807$34,382,494$103,500,392
55$140,352,842$48,879,927$35,429,284$113,057,625
56$154,560,501$51,166,712$36,507,834$123,556,596
57$170,213,928$53,562,137$37,619,102$135,092,229
58$187,460,484$56,071,418$38,764,078$147,769,090
59$206,462,559$58,700,022$39,943,780$161,702,368
60$227,399,100$61,453,683$41,159,257$177,018,959
61$250,467,305$64,338,411$42,411,589$193,858,655
62$275,884,483$67,360,505$43,701,890$212,375,462
63$303,890,102$70,526,572$45,031,305$232,739,044
64$334,748,054$73,843,536$46,401,015$255,136,321
65$368,749,144$77,318,657$47,812,238$279,773,226
66$406,213,834$80,959,549$49,266,225$306,876,642
67$447,495,269$84,774,191$50,764,268$336,696,539
68$492,982,611$88,770,950$52,307,695$369,508,322
69$543,104,710$92,958,600$53,897,876$405,615,430
70$598,334,157$97,346,338$55,536,221$445,352,187
71$659,191,739$101,943,807$57,224,182$489,086,953
72$726,251,361$106,761,118$58,963,257$537,225,590
73$800,145,460$111,808,872$60,754,986$590,215,289
74$881,570,975$117,098,185$62,600,956$648,548,781
75$971,295,928$122,640,710$64,502,802$712,768,977
76$1,070,166,676$128,448,668$66,462,209$783,474,087
77$1,179,115,894$134,534,870$68,480,911$861,323,252
78$1,299,171,388$140,912,751$70,560,694$947,042,764
79$1,431,465,791$147,596,397$72,703,398$1,041,432,903
80$1,577,247,259$154,600,578$74,910,919$1,145,375,486
81$1,737,891,253$161,940,780$77,185,209$1,259,842,181
82$1,914,913,525$169,633,243$79,528,277$1,385,903,661
83$2,109,984,426$177,694,993$81,942,196$1,524,739,706
84$2,324,944,675$186,143,885$84,429,097$1,677,650,324
85$2,561,822,737$194,998,640$86,991,177$1,846,068,011
86$2,822,853,973$204,278,891$89,630,698$2,031,571,261
87$3,110,501,743$214,005,221$92,349,991$2,235,899,449
88$3,427,480,660$224,199,216$95,151,455$2,460,969,242
89$3,776,782,220$234,883,511$98,037,562$2,708,892,674
90$4,161,703,044$246,081,840$101,010,857$2,981,997,069
91$4,585,875,996$257,819,092$104,073,963$3,282,846,994
92$5,053,304,485$270,121,365$107,229,578$3,614,268,453
93$5,568,400,258$283,016,027$110,480,485$3,979,375,549
94$6,136,025,050$296,531,778$113,829,546$4,381,599,862
95$6,761,536,481$310,698,711$117,279,712$4,824,722,822
96$7,450,838,639$325,548,386$120,834,020$5,312,911,396
97$8,210,437,820$341,113,895$124,495,599$5,850,757,395
98$9,047,503,946$357,429,945$128,267,670$6,443,320,808
99$9,969,938,263$374,532,927$132,153,552$7,096,177,545
100$10,986,447,932$392,461,006$136,156,661$7,815,472,055