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%17.4%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,469,531
2 years$776,734$762,268$748,248$734,655$721,470$675,957
3 years$512,679$498,150$484,166$470,701$457,730$413,687
4 years$380,677$366,193$352,349$339,113$326,457$284,222
5 years$301,497$287,100$273,437$260,471$248,167$207,854
6 years$248,727$234,439$220,978$208,301$196,366$158,011
7 years$211,050$196,881$183,634$171,256$159,698$123,299
8 years$182,804$168,764$155,736$143,662$132,485$98,019
9 years$160,847$146,939$134,135$122,368$111,572$79,003
10 years$143,292$129,520$116,942$105,483$95,065$64,347
11 years$128,937$115,304$102,954$91,802$81,759$52,840
12 years$116,984$103,490$91,369$80,522$70,850$43,671
13 years$106,878$93,525$81,632$71,089$61,783$36,280
14 years$98,223$85,012$73,347$63,105$54,159$30,266
15 years$90,728$77,660$66,222$56,279$47,686$25,336
16 years$84,177$71,251$60,040$50,391$42,145$21,269
17 years$78,403$65,620$54,634$45,276$37,368$17,896
18 years$73,276$60,636$49,874$40,803$33,226$15,087
19 years$68,694$56,197$45,657$36,869$29,615$12,739
20 years$64,575$52,221$41,902$33,392$26,453$10,772
21 years$60,853$48,641$38,542$30,305$23,672$9,118
22 years$57,475$45,405$35,522$27,554$21,219$7,726
23 years$54,394$42,466$32,798$25,094$19,047$6,552
24 years$51,575$39,788$30,333$22,888$17,120$5,559
25 years$48,985$37,339$28,094$20,902$15,406$4,720
26 years$46,598$35,093$26,056$19,112$13,877$4,010
27 years$44,392$33,026$24,195$17,494$12,511$3,408
28 years$42,347$31,121$22,493$16,028$11,289$2,897
29 years$40,446$29,359$20,931$14,698$10,194$2,463
30 years$38,676$27,726$19,497$13,489$9,211$2,095
31 years$37,023$26,211$18,176$12,389$8,327$1,783
32 years$35,476$24,800$16,959$11,385$7,533$1,517
33 years$34,026$23,486$15,835$10,470$6,817$1,291
34 years$32,665$22,260$14,795$9,633$6,172$1,099
35 years$31,384$21,113$13,832$8,868$5,590$935
36 years$30,176$20,039$12,940$8,167$5,065$796
37 years$29,037$19,033$12,111$7,525$4,591$678
38 years$27,961$18,088$11,342$6,936$4,162$577
39 years$26,942$17,200$10,626$6,395$3,774$491
40 years$25,976$16,364$9,960$5,899$3,423$419
41 years$25,060$15,577$9,339$5,442$3,106$356
42 years$24,190$14,835$8,760$5,023$2,818$304
43 years$23,362$14,135$8,220$4,636$2,558$258
44 years$22,575$13,474$7,716$4,281$2,321$220
45 years$21,824$12,848$7,245$3,954$2,107$187
46 years$21,108$12,257$6,805$3,652$1,913$160
47 years$20,425$11,697$6,393$3,374$1,738$136
48 years$19,772$11,166$6,008$3,118$1,578$116
49 years$19,148$10,663$5,647$2,881$1,433$99
50 years$18,551$10,186$5,309$2,663$1,302$84

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 $6,460 every year, while hoping to spend $54,844 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: 43/41/16 Blend
34$19,000,000$19,000,000$19,000,000$19,000,000
35$20,944,663$19,937,663$19,643,163$21,747,560
36$23,022,666$20,856,255$20,242,856$23,230,990
37$25,310,786$21,818,020$20,860,800$24,831,195
38$27,830,398$22,825,015$21,497,549$26,563,661
39$30,605,055$23,879,398$22,153,673$28,440,572
40$33,660,710$24,983,427$22,829,760$30,475,294
41$37,025,960$26,139,473$23,526,415$32,682,499
42$40,732,320$27,350,019$24,244,262$35,078,290
43$44,814,514$28,617,668$24,983,943$37,680,348
44$49,310,809$29,945,147$25,746,118$40,508,090
45$54,263,369$31,335,318$26,531,471$43,582,838
46$59,718,661$32,791,176$27,340,704$46,928,016
47$65,727,886$34,315,865$28,174,539$50,569,357
48$72,347,466$35,912,679$29,033,722$54,535,139
49$79,639,577$37,585,069$29,919,021$58,856,435
50$87,672,732$39,336,656$30,831,226$63,567,398
51$96,522,432$41,171,233$31,771,153$68,705,573
52$106,271,873$43,092,777$32,739,640$74,312,232
53$117,012,739$45,105,458$33,737,553$80,432,757
54$128,846,059$47,213,645$34,765,781$87,117,048
55$141,883,165$49,421,922$35,825,243$94,419,984
56$156,246,742$51,735,090$36,916,883$102,401,922
57$172,071,986$54,158,186$38,041,675$111,129,254
58$189,507,879$56,696,488$39,200,622$120,675,013
59$208,718,597$59,355,530$40,394,757$131,119,545
60$229,885,057$62,141,114$41,625,144$142,551,253
61$253,206,627$65,059,323$42,892,880$155,067,405
62$278,903,005$68,116,532$44,199,094$168,775,038
63$307,216,297$71,319,427$45,544,949$183,791,944
64$338,413,298$74,675,018$46,931,644$200,247,759
65$372,788,013$78,190,652$48,360,412$218,285,165
66$410,664,430$81,874,034$49,832,526$238,061,212
67$452,399,581$85,733,241$51,349,295$259,748,772
68$498,386,910$89,776,741$52,912,068$283,538,151
69$549,059,987$94,013,414$54,522,235$309,638,847
70$604,896,603$98,452,569$56,181,227$338,281,507
71$666,423,278$103,103,966$57,890,519$369,720,071
72$734,220,231$107,977,839$59,651,630$404,234,133
73$808,926,859$113,084,917$61,466,124$442,131,553
74$891,247,772$118,436,452$63,335,613$483,751,323
75$981,959,446$124,044,239$65,261,757$529,466,731
76$1,081,917,548$129,920,646$67,246,265$579,688,846
77$1,192,065,022$136,078,641$69,290,898$634,870,362
78$1,313,440,982$142,531,823$71,397,471$695,509,820
79$1,447,190,528$149,294,448$73,567,853$762,156,280
80$1,594,575,553$156,381,466$75,803,966$835,414,451
81$1,756,986,655$163,808,554$78,107,795$915,950,352
82$1,935,956,268$171,592,147$80,481,380$1,004,497,549
83$2,133,173,126$179,749,482$82,926,826$1,101,864,027
84$2,350,498,208$188,298,629$85,446,297$1,208,939,759
85$2,589,982,302$197,258,539$88,042,025$1,326,705,054
86$2,853,885,372$206,649,083$90,716,308$1,456,239,744
87$3,144,697,890$216,491,097$93,471,514$1,598,733,317
88$3,465,164,344$226,806,430$96,310,079$1,755,496,078
89$3,818,309,156$237,617,994$99,234,516$1,927,971,447
90$4,207,465,227$248,949,813$102,247,409$2,117,749,517
91$4,636,305,406$260,827,080$105,351,423$2,326,581,978
92$5,108,877,164$273,276,213$108,549,302$2,556,398,581
93$5,629,640,801$286,324,915$111,843,871$2,809,325,268
94$6,203,511,563$300,002,235$115,238,040$3,087,704,151
95$6,835,906,034$314,338,637$118,734,807$3,394,115,534
96$7,532,793,286$329,366,066$122,337,258$3,731,402,169
97$8,300,751,219$345,118,021$126,048,575$4,102,695,996
98$9,147,028,671$361,629,632$129,872,030$4,511,447,600
99$10,079,613,850$378,937,738$133,810,997$4,961,458,675
100$11,107,309,747$397,080,971$137,868,950$5,456,917,798