Can I retire at age 35 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,489,987
2 years$776,734$762,268$748,248$734,655$721,470$696,256
3 years$512,679$498,150$484,166$470,701$457,730$433,186
4 years$380,677$366,193$352,349$339,113$326,457$302,772
5 years$301,497$287,100$273,437$260,471$248,167$225,411
6 years$248,727$234,439$220,978$208,301$196,366$174,563
7 years$211,050$196,881$183,634$171,256$159,698$138,855
8 years$182,804$168,764$155,736$143,662$132,485$112,598
9 years$160,847$146,939$134,135$122,368$111,572$92,630
10 years$143,292$129,520$116,942$105,483$95,065$77,053
11 years$128,937$115,304$102,954$91,802$81,759$64,657
12 years$116,984$103,490$91,369$80,522$70,850$54,637
13 years$106,878$93,525$81,632$71,089$61,783$46,433
14 years$98,223$85,012$73,347$63,105$54,159$39,647
15 years$90,728$77,660$66,222$56,279$47,686$33,985
16 years$84,177$71,251$60,040$50,391$42,145$29,227
17 years$78,403$65,620$54,634$45,276$37,368$25,204
18 years$73,276$60,636$49,874$40,803$33,226$21,785
19 years$68,694$56,197$45,657$36,869$29,615$18,868
20 years$64,575$52,221$41,902$33,392$26,453$16,369
21 years$60,853$48,641$38,542$30,305$23,672$14,222
22 years$57,475$45,405$35,522$27,554$21,219$12,372
23 years$54,394$42,466$32,798$25,094$19,047$10,774
24 years$51,575$39,788$30,333$22,888$17,120$9,391
25 years$48,985$37,339$28,094$20,902$15,406$8,193
26 years$46,598$35,093$26,056$19,112$13,877$7,152
27 years$44,392$33,026$24,195$17,494$12,511$6,247
28 years$42,347$31,121$22,493$16,028$11,289$5,460
29 years$40,446$29,359$20,931$14,698$10,194$4,774
30 years$38,676$27,726$19,497$13,489$9,211$4,176
31 years$37,023$26,211$18,176$12,389$8,327$3,654
32 years$35,476$24,800$16,959$11,385$7,533$3,199
33 years$34,026$23,486$15,835$10,470$6,817$2,801
34 years$32,665$22,260$14,795$9,633$6,172$2,453
35 years$31,384$21,113$13,832$8,868$5,590$2,148
36 years$30,176$20,039$12,940$8,167$5,065$1,882
37 years$29,037$19,033$12,111$7,525$4,591$1,649
38 years$27,961$18,088$11,342$6,936$4,162$1,445
39 years$26,942$17,200$10,626$6,395$3,774$1,267
40 years$25,976$16,364$9,960$5,899$3,423$1,110
41 years$25,060$15,577$9,339$5,442$3,106$973
42 years$24,190$14,835$8,760$5,023$2,818$853
43 years$23,362$14,135$8,220$4,636$2,558$748
44 years$22,575$13,474$7,716$4,281$2,321$656
45 years$21,824$12,848$7,245$3,954$2,107$575
46 years$21,108$12,257$6,805$3,652$1,913$504
47 years$20,425$11,697$6,393$3,374$1,738$442
48 years$19,772$11,166$6,008$3,118$1,578$388
49 years$19,148$10,663$5,647$2,881$1,433$340
50 years$18,551$10,186$5,309$2,663$1,302$298

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $19,000,000, adding $6,305 every year, while hoping to spend $45,119 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: 39/44/17 Blend
34$19,000,000$19,000,000$19,000,000$19,000,000
35$20,944,504$19,937,504$19,643,004$21,654,624
36$23,032,837$20,866,435$20,253,038$23,091,740
37$25,332,668$21,839,372$20,881,996$24,639,836
38$27,865,521$22,858,423$21,530,465$26,312,796
39$30,655,117$23,925,798$22,199,048$28,121,941
40$33,727,592$25,043,815$22,888,369$30,079,683
41$37,111,748$26,214,904$23,599,071$32,199,635
42$40,839,322$27,441,609$24,331,815$34,496,727
43$44,945,286$28,726,602$25,087,285$36,987,344
44$49,468,180$30,072,680$25,866,184$39,689,464
45$54,450,472$31,482,779$26,669,238$42,622,821
46$59,938,958$32,959,973$27,497,195$45,809,078
47$65,985,207$34,507,487$28,350,827$49,272,023
48$72,646,047$36,128,703$29,230,928$53,037,779
49$79,984,099$37,827,164$30,138,319$57,135,040
50$88,068,368$39,606,587$31,073,845$61,595,326
51$96,974,899$41,470,867$32,038,376$66,453,272
52$106,787,488$43,424,088$33,032,811$71,746,934
53$117,598,477$45,470,534$34,058,075$77,518,139
54$129,509,625$47,614,694$35,115,124$83,812,861
55$142,633,068$49,861,274$36,204,942$90,681,638
56$157,092,376$52,215,212$37,328,542$98,180,036
57$173,023,721$54,681,680$38,486,971$106,369,152
58$190,577,163$57,266,105$39,681,307$115,316,170
59$209,918,064$59,974,174$40,912,661$125,094,983
60$231,228,651$62,811,853$42,182,180$135,786,861
61$254,709,735$65,785,396$43,491,044$147,481,204
62$280,582,606$68,901,358$44,840,472$160,276,358
63$309,091,122$72,166,615$46,231,719$174,280,522
64$340,504,014$75,588,377$47,666,079$189,612,747
65$375,117,417$79,174,201$49,144,886$206,404,029
66$413,257,670$82,932,013$50,669,516$224,798,522
67$455,284,394$86,870,124$52,241,387$244,954,869
68$501,593,890$90,997,247$53,861,960$267,047,670
69$552,622,874$95,322,519$55,532,743$291,269,101
70$608,852,606$99,855,522$57,255,289$317,830,693
71$670,813,430$104,606,301$59,031,200$346,965,295
72$739,089,781$109,585,390$60,862,126$378,929,239
73$814,325,701$114,803,837$62,749,770$414,004,718
74$897,230,921$120,273,224$64,695,886$452,502,416
75$988,587,560$126,005,696$66,702,282$494,764,395
76$1,089,257,507$132,013,991$68,770,824$541,167,286
77$1,200,190,559$138,311,463$70,903,434$592,125,794
78$1,322,433,390$144,912,119$73,102,093$648,096,571
79$1,457,139,427$151,830,644$75,368,844$709,582,476
80$1,605,579,741$159,082,438$77,705,793$777,137,267
81$1,769,155,048$166,683,650$80,115,110$851,370,780
82$1,949,408,931$174,651,217$82,599,034$932,954,626
83$2,148,042,412$183,002,897$85,159,872$1,022,628,473
84$2,366,930,011$191,757,313$87,800,001$1,121,206,967
85$2,608,137,446$200,933,994$90,521,874$1,229,587,355
86$2,873,941,126$210,553,420$93,328,018$1,348,757,893
87$3,166,849,652$220,637,069$96,221,038$1,479,807,095
88$3,489,627,493$231,207,463$99,203,620$1,623,933,944
89$3,845,321,089$242,288,219$102,278,532$1,782,459,127
90$4,237,287,606$253,904,108$105,448,629$1,956,837,421
91$4,669,226,637$266,081,104$108,716,853$2,148,671,344
92$5,145,215,123$278,846,448$112,086,237$2,359,726,189
93$5,669,745,847$292,228,705$115,559,907$2,591,946,600
94$6,247,769,846$306,257,834$119,141,087$2,847,474,829
95$6,884,743,156$320,965,254$122,833,098$3,128,670,855
96$7,586,678,318$336,383,911$126,639,368$3,438,134,559
97$8,360,201,144$352,548,361$130,563,424$3,778,730,152
98$9,212,613,271$369,494,840$134,608,909$4,153,613,096
99$10,151,961,090$387,261,353$138,779,573$4,566,259,771
100$11,187,111,716$405,887,755$143,079,284$5,020,500,162