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

Use the below retirement simulation to view the chances of a successful retirement.
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 $5,660 every year, while hoping to spend $26,814 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: 44/46/10 Blend
34$18,800,000$18,800,000$18,800,000$18,800,000
35$20,723,438$19,727,038$19,435,638$21,575,726
36$22,808,699$20,665,133$20,058,202$23,106,270
37$25,105,758$21,648,296$20,700,723$24,760,951
38$27,636,190$22,678,707$21,363,842$26,553,720
39$30,423,769$23,758,652$22,048,219$28,497,276
40$33,494,695$24,890,528$22,754,536$30,605,550
41$36,877,839$26,076,848$23,483,498$32,893,826
42$40,605,014$27,320,249$24,235,830$35,378,877
43$44,711,277$28,623,494$25,012,283$38,079,113
44$49,235,264$29,989,481$25,813,630$41,014,745
45$54,219,545$31,421,250$26,640,671$44,207,965
46$59,711,035$32,921,987$27,494,230$47,683,144
47$65,761,431$34,495,035$28,375,157$51,467,049
48$72,427,703$36,143,898$29,284,332$55,589,087
49$79,772,632$37,872,252$30,222,659$60,081,564
50$87,865,398$39,683,950$31,191,076$64,979,982
51$96,782,239$41,583,034$32,190,548$70,323,358
52$106,607,167$43,573,742$33,222,071$76,154,574
53$117,432,761$45,660,519$34,286,673$82,520,773
54$129,361,044$47,848,025$35,385,417$89,473,780
55$142,504,440$50,141,149$36,519,399$97,070,582
56$156,986,843$52,545,015$37,689,749$105,373,842
57$172,944,780$55,065,000$38,897,635$114,452,473
58$190,528,703$57,706,740$40,144,261$124,382,272
59$209,904,408$60,476,147$41,430,871$135,246,611
60$231,254,601$63,379,422$42,758,748$147,137,204
61$254,780,622$66,423,065$44,129,218$160,154,953
62$280,704,345$69,613,895$45,543,647$174,410,870
63$309,270,276$72,959,064$47,003,446$190,027,109
64$340,747,855$76,466,069$48,510,073$207,138,084
65$375,434,006$80,142,775$50,065,029$225,891,719
66$413,655,935$83,997,432$51,669,868$246,450,811
67$455,774,221$88,038,687$53,326,190$268,994,535
68$502,186,223$92,275,614$55,035,649$293,720,112
69$553,329,824$96,717,726$56,799,949$320,844,630
70$609,687,572$101,375,000$58,620,853$350,607,063
71$671,791,230$106,257,901$60,500,178$383,270,491
72$740,226,801$111,377,403$62,439,799$419,124,543
73$815,640,055$116,745,016$64,441,652$458,488,095
74$898,742,630$122,372,811$66,507,737$501,712,238
75$990,318,746$128,273,447$68,640,115$549,183,547
76$1,091,232,615$134,460,203$70,840,915$601,327,686
77$1,202,436,591$140,947,002$73,112,335$658,613,381
78$1,324,980,167$147,748,449$75,456,642$721,556,791
79$1,460,019,881$154,879,860$77,876,177$790,726,332
80$1,608,830,237$162,357,301$80,373,356$866,747,987
81$1,772,815,731$170,197,618$82,950,674$950,311,154
82$1,953,524,117$178,418,483$85,610,702$1,042,175,103
83$2,152,661,015$187,038,427$88,356,099$1,143,176,072
84$2,372,106,017$196,076,888$91,189,607$1,254,235,100
85$2,613,930,426$205,554,251$94,114,054$1,376,366,649
86$2,880,416,817$215,491,897$97,132,363$1,510,688,115
87$3,174,080,583$225,912,251$100,247,547$1,658,430,294
88$3,497,693,682$236,838,831$103,462,720$1,820,948,923
89$3,854,310,810$248,296,306$106,781,093$1,999,737,398
90$4,247,298,234$260,310,546$110,205,981$2,196,440,783
91$4,680,365,579$272,908,688$113,740,806$2,412,871,248
92$5,157,600,844$286,119,190$117,389,100$2,651,025,081
93$5,683,509,004$299,971,904$121,154,508$2,913,101,434
94$6,263,054,531$314,498,135$125,040,793$3,201,522,977
95$6,901,708,271$329,730,722$129,051,838$3,518,958,661
96$7,605,499,092$345,704,105$133,191,651$3,868,348,796
97$8,381,070,798$362,454,405$137,464,371$4,252,932,689
98$9,235,744,859$380,019,510$141,874,266$4,676,279,098
99$10,177,589,526$398,439,158$146,425,746$5,142,319,788
100$11,215,496,008$417,755,027$151,123,359$5,655,386,510