Can I retire at age 35 with 18,900,000?

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 $18,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$1,560,744$1,546,842$1,533,278$1,520,040$1,507,113$1,494,485
2 years$772,646$758,256$744,310$730,788$717,673$704,946
3 years$509,981$495,529$481,618$468,223$455,321$442,889
4 years$378,674$364,266$350,494$337,328$324,739$312,698
5 years$299,910$285,589$271,998$259,101$246,861$235,246
6 years$247,418$233,205$219,815$207,205$195,333$184,159
7 years$209,939$195,845$182,667$170,354$158,858$148,130
8 years$181,842$167,875$154,916$142,906$131,788$121,506
9 years$160,000$146,166$133,429$121,724$110,985$101,145
10 years$142,537$128,838$116,327$104,928$94,564$85,162
11 years$128,259$114,697$102,412$91,318$81,329$72,356
12 years$116,368$102,946$90,888$80,099$70,478$61,927
13 years$106,315$93,033$81,203$70,715$61,458$53,319
14 years$97,706$84,564$72,961$62,773$53,874$46,137
15 years$90,251$77,251$65,874$55,982$47,435$40,088
16 years$83,734$70,876$59,724$50,126$41,923$34,956
17 years$77,990$65,274$54,347$45,038$37,172$30,572
18 years$72,890$60,317$49,612$40,588$33,051$26,807
19 years$68,332$55,901$45,417$36,675$29,459$23,558
20 years$64,235$51,946$41,681$33,216$26,314$20,742
21 years$60,533$48,385$38,339$30,146$23,548$18,293
22 years$57,172$45,166$35,335$27,409$21,107$16,156
23 years$54,108$42,243$32,626$24,962$18,947$14,287
24 years$51,303$39,579$30,173$22,767$17,030$12,648
25 years$48,727$37,143$27,947$20,792$15,324$11,209
26 years$46,353$34,908$25,919$19,011$13,804$9,941
27 years$44,158$32,853$24,068$17,402$12,445$8,824
28 years$42,124$30,957$22,374$15,944$11,230$7,837
29 years$40,233$29,204$20,821$14,621$10,140$6,965
30 years$38,472$27,580$19,394$13,418$9,162$6,193
31 years$36,828$26,073$18,081$12,323$8,283$5,509
32 years$35,289$24,670$16,870$11,326$7,493$4,902
33 years$33,847$23,363$15,751$10,415$6,781$4,364
34 years$32,493$22,143$14,717$9,582$6,140$3,887
35 years$31,218$21,002$13,759$8,821$5,561$3,462
36 years$30,018$19,934$12,872$8,124$5,038$3,085
37 years$28,884$18,933$12,048$7,485$4,566$2,749
38 years$27,813$17,993$11,282$6,899$4,140$2,451
39 years$26,800$17,109$10,570$6,362$3,754$2,185
40 years$25,839$16,278$9,907$5,868$3,405$1,948
41 years$24,928$15,495$9,290$5,414$3,089$1,737
42 years$24,062$14,757$8,714$4,996$2,803$1,550
43 years$23,239$14,061$8,177$4,612$2,544$1,382
44 years$22,456$13,403$7,676$4,258$2,309$1,233
45 years$21,709$12,781$7,207$3,933$2,096$1,100
46 years$20,997$12,192$6,769$3,633$1,903$982
47 years$20,318$11,635$6,360$3,356$1,728$876
48 years$19,668$11,107$5,976$3,101$1,570$782
49 years$19,047$10,607$5,617$2,866$1,426$698
50 years$18,453$10,132$5,281$2,649$1,295$623

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,900,000, adding $6,993 every year, while hoping to spend $46,634 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: 37/35/28 Blend
34$18,900,000$18,900,000$18,900,000$18,900,000
35$20,835,013$19,833,313$19,540,363$21,431,196
36$22,910,566$20,755,527$20,145,347$22,794,796
37$25,196,263$21,721,367$20,769,035$24,261,957
38$27,713,488$22,732,921$21,412,004$25,845,888
39$30,485,808$23,792,377$22,074,850$27,557,175
40$33,539,189$24,902,032$22,758,186$29,407,424
41$36,902,245$26,064,291$23,462,644$31,409,369
42$40,606,507$27,281,674$24,188,876$33,576,982
43$44,686,722$28,556,828$24,937,555$35,925,595
44$49,181,177$29,892,521$25,709,372$38,472,037
45$54,132,063$31,291,661$26,505,042$41,234,785
46$59,585,873$32,757,292$27,325,300$44,234,127
47$65,593,840$34,292,608$28,170,906$47,492,346
48$72,212,422$35,900,955$29,042,642$51,033,915
49$79,503,832$37,585,845$29,941,313$54,885,725
50$87,536,626$39,350,954$30,867,750$59,077,319
51$96,386,352$41,200,141$31,822,810$63,641,166
52$106,136,261$43,137,450$32,807,376$68,612,950
53$116,878,095$45,167,119$33,822,357$74,031,899
54$128,712,947$47,293,595$34,868,693$79,941,135
55$141,752,222$49,521,536$35,947,349$86,388,075
56$156,118,686$51,855,828$37,059,322$93,424,857
57$171,947,623$54,301,595$38,205,641$101,108,819
58$189,388,114$56,864,207$39,387,363$109,503,027
59$208,604,443$59,549,294$40,605,581$118,676,849
60$229,777,647$62,362,760$41,861,419$128,706,596
61$253,107,228$65,310,797$43,156,038$139,676,219
62$278,813,033$68,399,894$44,490,633$151,678,089
63$307,137,329$71,636,855$45,866,436$164,813,843
64$338,347,093$75,028,817$47,284,717$179,195,325
65$372,736,527$78,583,260$48,746,786$194,945,620
66$410,629,842$82,308,029$50,253,993$212,200,191
67$452,384,312$86,211,348$51,807,728$231,108,137
68$498,393,650$90,301,843$53,409,425$251,833,571
69$549,091,724$94,588,555$55,060,562$274,557,147
70$604,956,652$99,080,966$56,762,663$299,477,735
71$666,515,317$103,789,019$58,517,298$326,814,271
72$734,348,337$108,723,139$60,326,085$356,807,793
73$809,095,551$113,894,257$62,190,693$389,723,686
74$891,462,058$119,313,836$64,112,842$425,854,151
75$982,224,869$124,993,895$66,094,303$465,520,935
76$1,082,240,248$130,947,038$68,136,905$509,078,327
77$1,192,451,791$137,186,481$70,242,529$556,916,466
78$1,313,899,338$143,726,082$72,413,118$609,464,987
79$1,447,728,784$150,580,374$74,650,671$667,197,031
80$1,595,202,903$157,764,596$76,957,251$730,633,675
81$1,757,713,264$165,294,726$79,334,984$800,348,798
82$1,936,793,372$173,187,522$81,786,061$876,974,460
83$2,134,133,141$181,460,556$84,312,739$961,206,810
84$2,351,594,852$190,132,254$86,917,347$1,053,812,615
85$2,591,230,732$199,221,939$89,602,283$1,155,636,439
86$2,855,302,328$208,749,875$92,370,020$1,267,608,560
87$3,146,301,857$218,737,311$95,223,108$1,390,753,695
88$3,466,975,737$229,206,530$98,164,173$1,526,200,610
89$3,820,350,512$240,180,900$101,195,922$1,675,192,713
90$4,209,761,427$251,684,926$104,321,148$1,839,099,720
91$4,638,883,913$263,744,308$107,542,727$2,019,430,521
92$5,111,768,287$276,385,994$110,863,623$2,217,847,344
93$5,632,877,990$289,638,246$114,286,893$2,436,181,376
94$6,207,131,728$303,530,703$117,815,686$2,676,449,961
95$6,839,949,903$318,094,446$121,453,250$2,940,875,567
96$7,537,305,790$333,362,070$125,202,931$3,231,906,673
97$8,305,781,929$349,367,760$129,068,178$3,552,240,794
98$9,152,632,268$366,147,363$133,052,545$3,904,849,845
99$10,085,850,651$383,738,475$137,159,696$4,293,008,100
100$11,114,246,280$402,180,524$141,393,409$4,720,322,993