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

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 $18,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,560,744$1,546,842$1,533,278$1,520,040$1,507,113$1,470,679
2 years$772,646$758,256$744,310$730,788$717,673$681,185
3 years$509,981$495,529$481,618$468,223$455,321$419,920
4 years$378,674$364,266$350,494$337,328$324,739$290,697
5 years$299,910$285,589$271,998$259,101$246,861$214,274
6 years$247,418$233,205$219,815$207,205$195,333$164,233
7 years$209,939$195,845$182,667$170,354$158,858$129,249
8 years$181,842$167,875$154,916$142,906$131,788$103,657
9 years$160,000$146,166$133,429$121,724$110,985$84,310
10 years$142,537$128,838$116,327$104,928$94,564$69,315
11 years$128,259$114,697$102,412$91,318$81,329$57,469
12 years$116,368$102,946$90,888$80,099$70,478$47,968
13 years$106,315$93,033$81,203$70,715$61,458$40,254
14 years$97,706$84,564$72,961$62,773$53,874$33,931
15 years$90,251$77,251$65,874$55,982$47,435$28,704
16 years$83,734$70,876$59,724$50,126$41,923$24,356
17 years$77,990$65,274$54,347$45,038$37,172$20,719
18 years$72,890$60,317$49,612$40,588$33,051$17,662
19 years$68,332$55,901$45,417$36,675$29,459$15,083
20 years$64,235$51,946$41,681$33,216$26,314$12,899
21 years$60,533$48,385$38,339$30,146$23,548$11,046
22 years$57,172$45,166$35,335$27,409$21,107$9,469
23 years$54,108$42,243$32,626$24,962$18,947$8,125
24 years$51,303$39,579$30,173$22,767$17,030$6,977
25 years$48,727$37,143$27,947$20,792$15,324$5,995
26 years$46,353$34,908$25,919$19,011$13,804$5,155
27 years$44,158$32,853$24,068$17,402$12,445$4,434
28 years$42,124$30,957$22,374$15,944$11,230$3,816
29 years$40,233$29,204$20,821$14,621$10,140$3,285
30 years$38,472$27,580$19,394$13,418$9,162$2,829
31 years$36,828$26,073$18,081$12,323$8,283$2,437
32 years$35,289$24,670$16,870$11,326$7,493$2,100
33 years$33,847$23,363$15,751$10,415$6,781$1,809
34 years$32,493$22,143$14,717$9,582$6,140$1,559
35 years$31,218$21,002$13,759$8,821$5,561$1,344
36 years$30,018$19,934$12,872$8,124$5,038$1,159
37 years$28,884$18,933$12,048$7,485$4,566$999
38 years$27,813$17,993$11,282$6,899$4,140$862
39 years$26,800$17,109$10,570$6,362$3,754$743
40 years$25,839$16,278$9,907$5,868$3,405$641
41 years$24,928$15,495$9,290$5,414$3,089$553
42 years$24,062$14,757$8,714$4,996$2,803$477
43 years$23,239$14,061$8,177$4,612$2,544$411
44 years$22,456$13,403$7,676$4,258$2,309$355
45 years$21,709$12,781$7,207$3,933$2,096$306
46 years$20,997$12,192$6,769$3,633$1,903$264
47 years$20,318$11,635$6,360$3,356$1,728$228
48 years$19,668$11,107$5,976$3,101$1,570$196
49 years$19,047$10,607$5,617$2,866$1,426$169
50 years$18,453$10,132$5,281$2,649$1,295$146

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 $5,091 every year, while hoping to spend $38,417 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: 85/7/8 Blend
34$18,900,000$18,900,000$18,900,000$18,900,000
35$20,833,051$19,831,351$19,538,401$22,585,483
36$22,917,147$20,762,212$20,152,062$24,661,027
37$25,212,533$21,737,398$20,784,994$26,935,173
38$27,740,721$22,759,039$21,437,800$29,432,443
39$30,525,413$23,829,371$22,111,105$32,175,255
40$33,592,731$24,950,736$22,805,553$35,188,301
41$36,971,458$26,125,590$23,521,807$38,498,779
42$40,693,311$27,356,509$24,260,552$42,136,645
43$44,793,242$28,646,191$25,022,494$46,134,893
44$49,309,767$29,997,469$25,808,362$50,529,870
45$54,285,327$31,413,308$26,618,906$55,361,611
46$59,766,692$32,896,822$27,454,901$60,674,218
47$65,805,400$34,451,272$28,317,146$66,516,273
48$72,458,246$36,080,079$29,206,465$72,941,294
49$79,787,814$37,786,830$30,123,708$80,008,238
50$87,863,071$39,575,284$31,069,752$87,782,055
51$96,760,016$41,449,385$32,045,501$96,334,298
52$106,562,399$43,413,267$33,051,887$105,743,797
53$117,362,511$45,471,264$34,089,872$116,097,397
54$129,262,053$47,627,921$35,160,448$127,490,779
55$142,373,097$49,888,005$36,264,639$140,029,356
56$156,819,148$52,256,511$37,403,498$153,829,267
57$172,736,301$54,738,680$38,578,116$169,018,469
58$190,274,534$57,340,006$39,789,613$185,737,943
59$209,599,119$60,066,250$41,039,148$204,143,019
60$230,892,185$62,923,451$42,327,915$224,404,837
61$254,354,433$65,917,945$43,657,145$246,711,962
62$280,207,034$69,056,374$45,028,109$271,272,159
63$308,693,717$72,345,702$46,442,116$298,314,348
64$340,083,067$75,793,232$47,900,517$328,090,761
65$374,671,062$79,406,622$49,404,707$360,879,319
66$412,783,868$83,193,904$50,956,122$396,986,249
67$454,780,915$87,163,498$52,556,244$436,748,971
68$501,058,293$91,324,234$54,206,604$480,539,278
69$552,052,490$95,685,373$55,908,776$528,766,839
70$608,244,512$100,256,625$57,664,388$581,883,060
71$670,164,425$105,048,171$59,475,117$640,385,339
72$738,396,356$110,070,692$61,342,694$704,821,758
73$813,584,012$115,335,383$63,268,901$775,796,245
74$896,436,752$120,853,988$65,255,581$853,974,273
75$987,736,288$126,638,820$67,304,630$940,089,132
76$1,088,344,060$132,702,793$69,418,006$1,034,948,845
77$1,199,209,373$139,059,449$71,597,728$1,139,443,785
78$1,321,378,356$145,722,989$73,845,879$1,254,555,079
79$1,456,003,839$152,708,306$76,164,606$1,381,363,852
80$1,604,356,235$160,031,018$78,556,125$1,521,061,433
81$1,767,835,535$167,707,502$81,022,720$1,674,960,583
82$1,947,984,526$175,754,935$83,566,747$1,844,507,888
83$2,146,503,351$184,191,331$86,190,636$2,031,297,397
84$2,365,265,565$193,035,578$88,896,895$2,237,085,663
85$2,606,335,819$202,307,488$91,688,107$2,463,808,314
86$2,871,989,354$212,027,837$94,566,940$2,713,598,313
87$3,164,733,479$222,218,411$97,536,144$2,988,806,086
88$3,487,331,243$232,902,063$100,598,553$3,292,021,693
89$3,842,827,520$244,102,753$103,757,095$3,626,099,270
90$4,234,577,754$255,845,616$107,014,785$3,994,183,957
91$4,666,279,640$268,157,006$110,374,735$4,399,741,577
92$5,142,008,029$281,064,565$113,840,154$4,846,591,340
93$5,666,253,402$294,597,282$117,414,353$5,338,941,882
94$6,243,964,260$308,785,560$121,100,745$5,881,430,979
95$6,880,593,846$323,661,284$124,902,851$6,479,169,316
96$7,582,151,624$339,257,892$128,824,302$7,137,788,716
97$8,355,260,017$355,610,457$132,868,844$7,863,495,288
98$9,207,216,928$372,755,758$137,040,340$8,663,127,997
99$10,146,064,635$390,732,371$141,342,772$9,544,223,211
100$11,180,665,724$409,580,754$145,780,251$10,515,085,821