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

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 $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%19.1%
1 years$1,651,581$1,636,870$1,622,517$1,608,508$1,594,828$1,536,409
2 years$817,615$802,387$787,630$773,321$759,442$701,237
3 years$539,662$524,369$509,648$495,474$481,821$425,659
4 years$400,713$385,467$370,894$356,961$343,639$289,949
5 years$317,365$302,211$287,829$274,180$261,229$210,151
6 years$261,818$246,778$232,608$219,264$206,701$158,272
7 years$222,157$207,243$193,299$180,269$168,104$122,311
8 years$192,425$177,646$163,933$151,223$139,458$96,262
9 years$169,313$154,673$141,195$128,809$117,444$76,785
10 years$150,833$136,336$123,097$111,034$100,068$61,875
11 years$135,724$121,372$108,373$96,633$86,062$50,253
12 years$123,141$108,937$96,178$84,760$74,579$41,066
13 years$112,503$98,447$85,929$74,831$65,035$33,723
14 years$103,392$89,486$77,207$66,426$57,009$27,803
15 years$95,503$81,747$69,708$59,241$50,195$22,995
16 years$88,608$75,001$63,201$53,044$44,363$19,067
17 years$82,529$69,073$57,510$47,659$39,335$15,844
18 years$77,132$63,827$52,499$42,951$34,975$13,189
19 years$72,309$59,154$48,060$38,809$31,174$10,995
20 years$67,974$54,969$44,107$35,149$27,845$9,177
21 years$64,056$51,201$40,570$31,900$24,918$7,666
22 years$60,500$47,795$37,392$29,005$22,336$6,410
23 years$57,257$44,701$34,525$26,415$20,050$5,363
24 years$54,289$41,882$31,930$24,092$18,021$4,490
25 years$51,563$39,304$29,573$22,002$16,216$3,761
26 years$49,051$36,940$27,428$20,118$14,607$3,151
27 years$46,728$34,765$25,469$18,414$13,170$2,641
28 years$44,576$32,759$23,677$16,871$11,883$2,215
29 years$42,575$30,904$22,033$15,471$10,730$1,857
30 years$40,711$29,186$20,523$14,199$9,695$1,558
31 years$38,971$27,590$19,133$13,041$8,766$1,307
32 years$37,343$26,106$17,851$11,985$7,929$1,096
33 years$35,817$24,723$16,668$11,021$7,176$920
34 years$34,384$23,431$15,574$10,140$6,497$772
35 years$33,035$22,224$14,560$9,335$5,884$648
36 years$31,765$21,094$13,621$8,597$5,332$544
37 years$30,565$20,035$12,749$7,921$4,832$457
38 years$29,432$19,040$11,939$7,301$4,381$383
39 years$28,360$18,105$11,185$6,732$3,973$322
40 years$27,343$17,226$10,484$6,209$3,603$270
41 years$26,379$16,397$9,831$5,729$3,269$227
42 years$25,463$15,616$9,221$5,287$2,966$190
43 years$24,592$14,879$8,653$4,880$2,692$160
44 years$23,763$14,183$8,122$4,506$2,444$134
45 years$22,973$13,525$7,627$4,162$2,218$113
46 years$22,219$12,902$7,163$3,844$2,014$95
47 years$21,500$12,312$6,730$3,552$1,829$79
48 years$20,813$11,754$6,324$3,282$1,661$67
49 years$20,156$11,224$5,944$3,033$1,509$56
50 years$19,527$10,722$5,588$2,803$1,370$47

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 $6,638 every year, while hoping to spend $44,238 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: 61/9/30 Blend
34$20,000,000$20,000,000$20,000,000$20,000,000
35$22,046,847$20,986,847$20,676,847$23,212,031
36$24,248,557$21,968,134$21,322,453$24,989,012
37$26,673,358$22,996,021$21,988,203$26,922,584
38$29,343,959$24,072,745$22,674,727$29,032,444
39$32,285,385$25,200,651$23,382,672$31,335,833
40$35,525,208$26,382,197$24,112,706$33,851,729
41$39,093,815$27,619,960$24,865,517$36,601,013
42$43,024,689$28,916,643$25,641,816$39,606,669
43$47,354,726$30,275,077$26,442,336$42,893,994
44$52,124,584$31,698,232$27,267,830$46,490,834
45$57,379,068$33,189,221$28,119,079$50,427,843
46$63,167,549$34,751,309$28,996,884$54,738,766
47$69,544,433$36,387,918$29,902,074$59,460,757
48$76,569,674$38,102,635$30,835,502$64,634,720
49$84,309,338$39,899,221$31,798,049$70,305,695
50$92,836,229$41,781,622$32,790,622$76,523,277
51$102,230,575$43,753,971$33,814,158$83,342,076
52$112,580,782$45,820,605$34,869,621$90,822,231
53$123,984,276$47,986,068$35,958,007$99,029,970
54$136,548,413$50,255,127$37,080,342$108,038,229
55$150,391,502$52,632,779$38,237,684$117,927,336
56$165,643,913$55,124,262$39,431,124$128,785,764
57$182,449,313$57,735,072$40,661,788$140,710,955
58$200,966,020$60,470,968$41,930,835$153,810,238
59$221,368,497$63,337,989$43,239,461$168,201,831
60$243,849,002$66,342,468$44,588,901$184,015,955
61$268,619,397$69,491,046$45,980,426$201,396,048
62$295,913,153$72,790,684$47,415,347$220,500,120
63$325,987,551$76,248,684$48,895,018$241,502,228
64$359,126,112$79,872,701$50,420,832$264,594,117
65$395,641,273$83,670,761$51,994,228$289,987,016
66$435,877,336$87,651,281$53,616,688$317,913,626
67$480,213,718$91,823,088$55,289,740$348,630,307
68$529,068,533$96,195,435$57,014,963$382,419,487
69$582,902,540$100,778,027$58,793,980$419,592,316
70$642,223,489$105,581,041$60,628,468$460,491,596
71$707,590,918$110,615,145$62,520,156$505,495,004
72$779,621,436$115,891,531$64,470,825$555,018,643
73$858,994,538$121,421,932$66,482,313$609,520,964
74$946,459,025$127,218,651$68,556,515$669,507,075
75$1,042,840,072$133,294,592$70,695,385$735,533,498
76$1,149,047,016$139,663,283$72,900,937$808,213,411
77$1,266,081,942$146,338,915$75,175,248$888,222,418
78$1,395,049,143$153,336,364$77,520,462$976,304,918
79$1,537,165,543$160,671,233$79,938,785$1,073,281,109
80$1,693,772,190$168,359,885$82,432,496$1,180,054,721
81$1,866,346,912$176,419,478$85,003,943$1,297,621,529
82$2,056,518,269$184,868,004$87,655,546$1,427,078,732
83$2,266,080,929$193,724,333$90,389,804$1,569,635,300
84$2,497,012,611$203,008,253$93,209,290$1,726,623,360
85$2,751,492,755$212,740,515$96,116,659$1,899,510,759
86$3,031,923,096$222,942,880$99,114,647$2,089,914,894
87$3,340,950,342$233,638,172$102,206,078$2,299,617,966
88$3,681,491,156$244,850,321$105,393,861$2,530,583,776
89$4,056,759,696$256,604,429$108,680,997$2,784,976,246
90$4,470,297,954$268,926,815$112,070,579$3,065,179,819
91$4,926,009,201$281,845,085$115,565,799$3,373,821,947
92$5,428,194,832$295,388,186$119,169,946$3,713,797,868
93$5,981,594,977$309,586,480$122,886,412$4,088,297,910
94$6,591,433,252$324,471,804$126,718,694$4,500,837,584
95$7,263,466,072$340,077,551$130,670,398$4,955,290,737
96$8,004,036,998$356,438,738$134,745,243$5,455,926,099
97$8,820,136,626$373,592,090$138,947,063$6,007,447,544
98$9,719,468,584$391,576,125$143,279,812$6,615,038,468
99$10,710,522,259$410,431,234$147,747,565$7,284,410,685
100$11,802,652,947$430,199,783$152,354,526$8,021,858,316