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%12.3%
1 years$1,552,486$1,538,658$1,525,166$1,511,997$1,499,138$1,484,718
2 years$768,558$754,244$740,372$726,922$713,875$699,349
3 years$507,282$492,907$479,070$465,746$452,912$438,730
4 years$376,670$362,339$348,640$335,544$323,021$309,292
5 years$298,323$284,078$270,559$257,730$245,555$232,320
6 years$246,109$231,971$218,652$206,108$194,299$181,575
7 years$208,828$194,809$181,701$169,453$158,017$145,809
8 years$180,880$166,987$154,097$142,150$131,091$119,397
9 years$159,154$145,392$132,723$121,080$110,397$99,215
10 years$141,783$128,156$115,711$104,372$94,064$83,386
11 years$127,580$114,090$101,870$90,835$80,898$70,717
12 years$115,753$102,401$90,407$79,675$70,105$60,409
13 years$105,753$92,541$80,773$70,341$61,133$51,912
14 years$97,189$84,117$72,575$62,441$53,589$44,830
15 years$89,773$76,842$65,525$55,686$47,184$38,875
16 years$83,291$70,501$59,408$49,861$41,701$33,828
17 years$77,577$64,929$54,059$44,800$36,975$29,524
18 years$72,504$59,997$49,349$40,373$32,876$25,833
19 years$67,971$55,605$45,177$36,481$29,303$22,653
20 years$63,895$51,671$41,461$33,040$26,174$19,901
21 years$60,213$48,129$38,136$29,986$23,423$17,512
22 years$56,870$44,927$35,148$27,264$20,996$15,432
23 years$53,822$42,019$32,453$24,830$18,847$13,616
24 years$51,032$39,369$30,014$22,647$16,940$12,026
25 years$48,469$36,946$27,799$20,682$15,243$10,632
26 years$46,108$34,723$25,782$18,911$13,731$9,408
27 years$43,925$32,679$23,941$17,309$12,379$8,330
28 years$41,901$30,793$22,256$15,859$11,170$7,381
29 years$40,021$29,050$20,711$14,543$10,086$6,544
30 years$38,269$27,434$19,292$13,347$9,114$5,804
31 years$36,633$25,935$17,985$12,258$8,240$5,151
32 years$35,103$24,539$16,780$11,266$7,453$4,572
33 years$33,668$23,239$15,668$10,360$6,745$4,060
34 years$32,321$22,026$14,639$9,532$6,107$3,607
35 years$31,053$20,891$13,687$8,775$5,531$3,205
36 years$29,859$19,828$12,804$8,081$5,012$2,848
37 years$28,732$18,833$11,984$7,446$4,542$2,532
38 years$27,666$17,898$11,222$6,863$4,118$2,251
39 years$26,658$17,019$10,514$6,328$3,734$2,002
40 years$25,703$16,192$9,855$5,837$3,387$1,781
41 years$24,796$15,413$9,241$5,385$3,073$1,584
42 years$23,935$14,679$8,668$4,970$2,788$1,409
43 years$23,116$13,986$8,134$4,588$2,531$1,254
44 years$22,337$13,332$7,635$4,236$2,297$1,116
45 years$21,594$12,713$7,169$3,912$2,085$993
46 years$20,886$12,128$6,733$3,614$1,893$883
47 years$20,210$11,574$6,326$3,338$1,719$786
48 years$19,564$11,049$5,945$3,085$1,561$700
49 years$18,946$10,551$5,588$2,851$1,418$623
50 years$18,355$10,079$5,253$2,635$1,288$554

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 $2,302 every year, while hoping to spend $34,915 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: 39/48/13 Blend
34$18,800,000$18,800,000$18,800,000$18,800,000
35$20,719,975$19,723,575$19,432,175$21,446,894
36$22,796,263$20,652,880$20,046,003$22,892,310
37$25,083,162$21,626,552$20,679,225$24,450,593
38$27,602,118$22,646,727$21,332,452$26,134,714
39$30,376,762$23,715,644$22,006,318$27,956,043
40$33,433,136$24,835,655$22,701,473$29,927,044
41$36,799,935$26,009,221$23,418,592$32,061,379
42$40,508,781$27,238,926$24,158,368$34,374,033
43$44,594,520$28,527,477$24,921,516$36,881,441
44$49,095,551$29,877,712$25,708,776$39,601,635
45$54,054,187$31,292,610$26,520,910$42,554,403
46$59,517,056$32,775,290$27,358,703$45,761,460
47$65,535,543$34,329,027$28,222,966$49,246,649
48$72,166,269$35,957,250$29,114,537$53,036,144
49$79,471,632$37,663,558$30,034,277$57,158,689
50$87,520,390$39,451,724$30,983,077$61,645,857
51$96,388,315$41,325,704$31,961,855$66,532,326
52$106,158,905$43,289,646$32,971,559$71,856,199
53$116,924,173$45,347,898$34,013,167$77,659,342
54$128,785,516$47,505,022$35,087,685$83,987,766
55$141,854,671$49,765,801$36,196,155$90,892,042
56$156,254,770$52,135,248$37,339,649$98,427,757
57$172,121,504$54,618,622$38,519,274$106,656,026
58$189,604,399$57,221,436$39,736,172$115,644,042
59$208,868,235$59,949,474$40,991,520$125,465,694
60$230,094,594$62,808,797$42,286,535$136,202,238
61$253,483,579$65,805,764$43,622,470$147,943,045
62$279,255,698$68,947,041$45,000,618$160,786,415
63$307,653,954$72,239,620$46,422,312$174,840,486
64$338,946,127$75,690,832$47,888,930$190,224,221
65$373,427,314$79,308,364$49,401,891$207,068,507
66$411,422,705$83,100,279$50,962,659$225,517,363
67$453,290,659$87,075,031$52,572,746$245,729,263
68$499,426,083$91,241,484$54,233,710$267,878,605
69$550,264,164$95,608,938$55,947,160$292,157,319
70$606,284,472$100,187,139$57,714,754$318,776,649
71$668,015,493$104,986,314$59,538,203$347,969,105
72$736,039,614$110,017,183$61,419,272$379,990,620
73$810,998,620$115,290,991$63,359,784$415,122,929
74$893,599,759$120,819,529$65,361,616$453,676,181
75$984,622,411$126,615,163$67,426,707$495,991,827
76$1,084,925,451$132,690,860$69,557,056$542,445,791
77$1,195,455,355$139,060,220$71,754,726$593,451,975
78$1,317,255,136$145,737,506$74,021,844$649,466,112
79$1,451,474,190$152,737,674$76,360,605$710,990,017
80$1,599,379,147$160,076,409$78,773,275$778,576,264
81$1,762,365,828$167,770,161$81,262,188$852,833,346
82$1,941,972,427$175,836,183$83,829,755$934,431,359
83$2,139,894,025$184,292,567$86,478,463$1,024,108,258
84$2,357,998,599$193,158,286$89,210,874$1,122,676,762
85$2,598,344,654$202,453,240$92,029,637$1,231,031,951
86$2,863,200,658$212,198,298$94,937,479$1,350,159,640
87$3,155,066,457$222,415,346$97,937,216$1,481,145,615
88$3,476,696,876$233,127,339$101,031,754$1,625,185,791
89$3,831,127,728$244,358,350$104,224,088$1,783,597,424
90$4,221,704,472$256,133,624$107,517,311$1,957,831,454
91$4,652,113,797$268,479,641$110,914,610$2,149,486,107
92$5,126,418,431$281,424,170$114,419,276$2,360,321,887
93$5,649,095,492$294,996,336$118,034,703$2,592,278,091
94$6,225,078,759$309,226,682$121,764,391$2,847,491,009
95$6,859,805,247$324,147,245$125,611,954$3,128,313,979
96$7,559,266,544$339,791,621$129,581,115$3,437,339,482
97$8,330,065,369$356,195,048$133,675,721$3,777,423,494
98$9,179,477,915$373,394,483$137,899,735$4,151,712,320
99$10,115,522,535$391,428,686$142,257,249$4,563,672,154
100$11,147,035,449$410,338,307$146,752,483$5,017,121,662