Can I retire at age 35 with 20,000,000?

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 $20,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$1,651,581$1,636,870$1,622,517$1,608,508$1,594,828$1,573,595
2 years$817,615$802,387$787,630$773,321$759,442$738,084
3 years$539,662$524,369$509,648$495,474$481,821$461,002
4 years$400,713$385,467$370,894$356,961$343,639$323,519
5 years$317,365$302,211$287,829$274,180$261,229$241,867
6 years$261,818$246,778$232,608$219,264$206,701$188,120
7 years$222,157$207,243$193,299$180,269$168,104$150,310
8 years$192,425$177,646$163,933$151,223$139,458$122,450
9 years$169,313$154,673$141,195$128,809$117,444$101,214
10 years$150,833$136,336$123,097$111,034$100,068$84,604
11 years$135,724$121,372$108,373$96,633$86,062$71,350
12 years$123,141$108,937$96,178$84,760$74,579$60,603
13 years$112,503$98,447$85,929$74,831$65,035$51,774
14 years$103,392$89,486$77,207$66,426$57,009$44,445
15 years$95,503$81,747$69,708$59,241$50,195$38,307
16 years$88,608$75,001$63,201$53,044$44,363$33,128
17 years$82,529$69,073$57,510$47,659$39,335$28,730
18 years$77,132$63,827$52,499$42,951$34,975$24,977
19 years$72,309$59,154$48,060$38,809$31,174$21,760
20 years$67,974$54,969$44,107$35,149$27,845$18,990
21 years$64,056$51,201$40,570$31,900$24,918$16,599
22 years$60,500$47,795$37,392$29,005$22,336$14,528
23 years$57,257$44,701$34,525$26,415$20,050$12,730
24 years$54,289$41,882$31,930$24,092$18,021$11,166
25 years$51,563$39,304$29,573$22,002$16,216$9,802
26 years$49,051$36,940$27,428$20,118$14,607$8,612
27 years$46,728$34,765$25,469$18,414$13,170$7,571
28 years$44,576$32,759$23,677$16,871$11,883$6,660
29 years$42,575$30,904$22,033$15,471$10,730$5,861
30 years$40,711$29,186$20,523$14,199$9,695$5,161
31 years$38,971$27,590$19,133$13,041$8,766$4,546
32 years$37,343$26,106$17,851$11,985$7,929$4,006
33 years$35,817$24,723$16,668$11,021$7,176$3,531
34 years$34,384$23,431$15,574$10,140$6,497$3,113
35 years$33,035$22,224$14,560$9,335$5,884$2,745
36 years$31,765$21,094$13,621$8,597$5,332$2,421
37 years$30,565$20,035$12,749$7,921$4,832$2,136
38 years$29,432$19,040$11,939$7,301$4,381$1,885
39 years$28,360$18,105$11,185$6,732$3,973$1,663
40 years$27,343$17,226$10,484$6,209$3,603$1,468
41 years$26,379$16,397$9,831$5,729$3,269$1,296
42 years$25,463$15,616$9,221$5,287$2,966$1,144
43 years$24,592$14,879$8,653$4,880$2,692$1,010
44 years$23,763$14,183$8,122$4,506$2,444$891
45 years$22,973$13,525$7,627$4,162$2,218$787
46 years$22,219$12,902$7,163$3,844$2,014$695
47 years$21,500$12,312$6,730$3,552$1,829$614
48 years$20,813$11,754$6,324$3,282$1,661$542
49 years$20,156$11,224$5,944$3,033$1,509$479
50 years$19,527$10,722$5,588$2,803$1,370$423

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $20,000,000, adding $3,909 every year, while hoping to spend $31,737 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: 61/10/29 Blend
34$20,000,000$20,000,000$20,000,000$20,000,000
35$22,044,032$20,984,032$20,674,032$23,215,672
36$24,258,755$21,978,482$21,332,844$25,009,131
37$26,698,317$23,020,596$22,012,663$26,962,205
38$29,385,616$24,112,676$22,714,158$29,093,553
39$32,345,889$25,257,137$23,438,022$31,420,601
40$35,606,941$26,456,508$24,184,968$33,962,521
41$39,199,417$27,713,445$24,955,732$36,740,410
42$43,157,084$29,030,730$25,751,075$39,777,487
43$47,517,151$30,411,280$26,571,780$43,099,307
44$52,320,623$31,858,156$27,418,658$46,733,998
45$57,612,686$33,374,565$28,292,543$50,712,521
46$63,443,134$34,963,872$29,194,296$55,068,960
47$69,866,836$36,629,605$30,124,808$59,840,837
48$76,944,260$38,375,462$31,084,996$65,069,461
49$84,742,039$40,205,324$32,075,807$70,800,315
50$93,333,598$42,123,256$33,098,218$77,083,479
51$102,799,855$44,133,525$34,153,238$83,974,095
52$113,229,976$46,240,604$35,241,908$91,532,884
53$124,722,222$48,449,182$36,365,300$99,826,713
54$137,384,876$50,764,179$37,524,525$108,929,221
55$151,337,261$53,190,751$38,720,724$118,921,502
56$166,710,871$55,734,308$39,955,078$129,892,872
57$183,650,613$58,400,522$41,228,806$141,941,698
58$202,316,167$61,195,340$42,543,163$155,176,322
59$222,883,504$64,124,999$43,899,447$169,716,079
60$245,546,538$67,196,041$45,298,995$185,692,409
61$270,518,963$70,415,325$46,743,189$203,250,094
62$298,036,266$73,790,044$48,233,454$222,548,615
63$328,357,951$77,327,742$49,771,261$243,763,649
64$361,769,990$81,036,330$51,358,127$267,088,718
65$398,587,522$84,924,103$52,995,617$292,737,002
66$439,157,828$88,999,763$54,685,349$320,943,349
67$483,863,609$93,272,433$56,428,990$351,966,474
68$533,126,596$97,751,682$58,228,261$386,091,395
69$587,411,539$102,447,545$60,084,938$423,632,110
70$647,230,586$107,370,544$62,000,853$464,934,548
71$713,148,123$112,531,718$63,977,899$510,379,826
72$785,786,099$117,942,639$66,018,025$560,387,831
73$865,829,899$123,615,447$68,123,248$615,421,168
74$954,034,817$129,562,871$70,295,644$675,989,520
75$1,051,233,179$135,798,263$72,537,359$742,654,437
76$1,158,342,208$142,335,623$74,850,606$816,034,627
77$1,276,372,681$149,189,637$77,237,669$896,811,778
78$1,406,438,469$156,375,703$79,700,905$985,736,981
79$1,549,767,054$163,909,973$82,242,747$1,083,637,796
80$1,707,711,118$171,809,387$84,865,703$1,191,426,052
81$1,881,761,313$180,091,708$87,572,365$1,310,106,437
82$2,073,560,334$188,775,568$90,365,406$1,440,785,958
83$2,284,918,424$197,880,507$93,247,584$1,584,684,374
84$2,517,830,470$207,427,019$96,221,745$1,743,145,690
85$2,774,494,832$217,436,597$99,290,827$1,917,650,824
86$3,057,334,096$227,931,781$102,457,861$2,109,831,561
87$3,369,017,951$238,936,215$105,725,976$2,321,485,935
88$3,712,488,385$250,474,693$109,098,399$2,554,595,180
89$4,090,987,468$262,573,221$112,578,463$2,811,342,406
90$4,508,087,953$275,259,072$116,169,605$3,094,133,182
91$4,967,727,010$288,560,853$119,875,373$3,405,618,216
92$5,474,243,395$302,508,564$123,699,428$3,748,718,352
93$6,032,418,410$317,133,673$127,645,547$4,126,652,110
94$6,647,521,046$332,469,180$131,717,631$4,542,966,042
95$7,325,357,723$348,549,701$135,919,702$5,001,568,177
96$8,072,327,112$365,411,537$140,255,913$5,506,764,883
97$8,895,480,539$383,092,764$144,730,548$6,063,301,482
98$9,802,588,563$401,633,318$149,348,030$6,676,407,012
99$10,802,214,328$421,075,082$154,112,921$7,351,843,553
100$11,903,794,416$441,461,988$159,029,930$8,095,960,584