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%14.5%
1 years$1,651,581$1,636,870$1,622,517$1,608,508$1,594,828$1,565,189
2 years$817,615$802,387$787,630$773,321$759,442$729,692
3 years$539,662$524,369$509,648$495,474$481,821$452,887
4 years$400,713$385,467$370,894$356,961$343,639$315,744
5 years$317,365$302,211$287,829$274,180$261,229$234,452
6 years$261,818$246,778$232,608$219,264$206,701$181,073
7 years$222,157$207,243$193,299$180,269$168,104$143,631
8 years$192,425$177,646$163,933$151,223$139,458$116,134
9 years$169,313$154,673$141,195$128,809$117,444$95,254
10 years$150,833$136,336$123,097$111,034$100,068$78,993
11 years$135,724$121,372$108,373$96,633$86,062$66,077
12 years$123,141$108,937$96,178$84,760$74,579$55,657
13 years$112,503$98,447$85,929$74,831$65,035$47,145
14 years$103,392$89,486$77,207$66,426$57,009$40,119
15 years$95,503$81,747$69,708$59,241$50,195$34,271
16 years$88,608$75,001$63,201$53,044$44,363$29,370
17 years$82,529$69,073$57,510$47,659$39,335$25,237
18 years$77,132$63,827$52,499$42,951$34,975$21,735
19 years$72,309$59,154$48,060$38,809$31,174$18,755
20 years$67,974$54,969$44,107$35,149$27,845$16,210
21 years$64,056$51,201$40,570$31,900$24,918$14,030
22 years$60,500$47,795$37,392$29,005$22,336$12,158
23 years$57,257$44,701$34,525$26,415$20,050$10,547
24 years$54,289$41,882$31,930$24,092$18,021$9,158
25 years$51,563$39,304$29,573$22,002$16,216$7,957
26 years$49,051$36,940$27,428$20,118$14,607$6,919
27 years$46,728$34,765$25,469$18,414$13,170$6,019
28 years$44,576$32,759$23,677$16,871$11,883$5,240
29 years$42,575$30,904$22,033$15,471$10,730$4,563
30 years$40,711$29,186$20,523$14,199$9,695$3,975
31 years$38,971$27,590$19,133$13,041$8,766$3,464
32 years$37,343$26,106$17,851$11,985$7,929$3,019
33 years$35,817$24,723$16,668$11,021$7,176$2,632
34 years$34,384$23,431$15,574$10,140$6,497$2,296
35 years$33,035$22,224$14,560$9,335$5,884$2,002
36 years$31,765$21,094$13,621$8,597$5,332$1,747
37 years$30,565$20,035$12,749$7,921$4,832$1,524
38 years$29,432$19,040$11,939$7,301$4,381$1,330
39 years$28,360$18,105$11,185$6,732$3,973$1,161
40 years$27,343$17,226$10,484$6,209$3,603$1,013
41 years$26,379$16,397$9,831$5,729$3,269$884
42 years$25,463$15,616$9,221$5,287$2,966$772
43 years$24,592$14,879$8,653$4,880$2,692$674
44 years$23,763$14,183$8,122$4,506$2,444$588
45 years$22,973$13,525$7,627$4,162$2,218$514
46 years$22,219$12,902$7,163$3,844$2,014$448
47 years$21,500$12,312$6,730$3,552$1,829$392
48 years$20,813$11,754$6,324$3,282$1,661$342
49 years$20,156$11,224$5,944$3,033$1,509$299
50 years$19,527$10,722$5,588$2,803$1,370$261

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 $2,959 every year, while hoping to spend $52,276 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: 58/36/6 Blend
34$20,000,000$20,000,000$20,000,000$20,000,000
35$22,043,052$20,983,052$20,673,052$23,294,773
36$24,235,822$21,955,601$21,309,978$25,107,696
37$26,650,503$22,974,052$21,966,489$27,076,520
38$29,309,674$24,040,600$22,643,186$29,221,031
39$32,238,215$25,157,544$23,340,688$31,558,040
40$35,463,546$26,327,296$24,059,633$34,106,020
41$39,015,876$27,552,382$24,800,680$36,885,278
42$42,928,498$28,835,452$25,564,505$39,918,134
43$47,238,098$30,179,282$26,351,809$43,229,129
44$51,985,099$31,586,782$27,163,310$46,845,243
45$57,214,050$33,061,004$27,999,751$50,796,149
46$62,974,037$34,605,148$28,861,897$55,114,477
47$69,319,153$36,222,565$29,750,535$59,836,116
48$76,309,007$37,916,771$30,666,478$65,000,542
49$84,009,284$39,691,451$31,610,563$70,651,185
50$92,492,367$41,550,468$32,583,654$76,835,819
51$101,838,020$43,497,872$33,586,637$83,607,013
52$112,134,140$45,537,910$34,620,431$91,022,606
53$123,477,586$47,675,031$35,685,980$99,146,247
54$135,975,095$49,913,903$36,784,255$108,047,980
55$149,744,288$52,259,418$37,916,261$117,804,895
56$164,914,780$54,716,704$39,083,031$128,501,837
57$181,629,405$57,291,140$40,285,630$140,232,196
58$200,045,561$59,988,362$41,525,155$153,098,773
59$220,336,699$62,814,282$42,802,738$167,214,733
60$242,693,957$65,775,097$44,119,544$182,704,657
61$267,327,967$68,877,303$45,476,776$199,705,701
62$294,470,841$72,127,713$46,875,670$218,368,871
63$324,378,365$75,533,469$48,317,503$238,860,431
64$357,332,409$79,102,059$49,803,589$261,363,451
65$393,643,589$82,841,335$51,335,284$286,079,514
66$433,654,203$86,759,528$52,913,984$313,230,600
67$477,741,457$90,865,271$54,541,128$343,061,151
68$526,321,029$95,167,612$56,218,199$375,840,362
69$579,850,990$99,676,041$57,946,725$411,864,694
70$638,836,132$104,400,507$59,728,280$451,460,643
71$703,832,728$109,351,444$61,564,489$494,987,799
72$775,453,790$114,539,788$63,457,023$542,842,208
73$854,374,849$119,977,010$65,407,606$595,460,082
74$941,340,337$125,675,136$67,418,013$653,321,884
75$1,037,170,610$131,646,777$69,490,076$716,956,829
76$1,142,769,699$137,905,156$71,625,680$786,947,848
77$1,259,133,836$144,464,137$73,826,769$863,937,051
78$1,387,360,868$151,338,259$76,095,345$948,631,751
79$1,528,660,610$158,542,768$78,433,473$1,041,811,100
80$1,684,366,278$166,093,649$80,843,280$1,144,333,406
81$1,855,947,066$174,007,666$83,326,958$1,257,144,185
82$2,045,022,021$182,302,395$85,886,765$1,381,285,045
83$2,253,375,323$190,996,269$88,525,028$1,517,903,471
84$2,482,973,136$200,108,616$91,244,147$1,668,263,602
85$2,735,982,163$209,659,705$94,046,592$1,833,758,115
86$3,014,790,101$219,670,788$96,934,910$2,015,921,319
87$3,322,028,189$230,164,154$99,911,727$2,216,443,573
88$3,660,596,040$241,163,174$102,979,747$2,437,187,190
89$4,033,689,024$252,692,357$106,141,755$2,680,203,951
90$4,444,828,425$264,777,403$109,400,625$2,947,754,405
91$4,897,894,694$277,445,266$112,759,315$3,242,329,142
92$5,397,164,076$290,724,207$116,220,876$3,566,672,231
93$5,947,348,985$304,643,866$119,788,448$3,923,807,047
94$6,553,642,491$319,235,325$123,465,270$4,317,064,731
95$7,221,767,347$334,531,178$127,254,680$4,750,115,556
96$7,958,030,019$350,565,608$131,160,114$5,227,003,484
97$8,769,380,219$367,374,461$135,185,115$5,752,184,251
98$9,663,476,520$384,995,328$139,333,336$6,330,567,334
99$10,648,758,658$403,467,633$143,608,536$6,967,562,197
100$11,734,527,213$422,832,718$148,014,593$7,669,129,250