Can I retire at age 35 with 15,000,000?

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 $15,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,169,581
2 years$613,211$601,790$590,722$579,991$569,581$542,981
3 years$404,746$393,277$382,236$371,606$361,366$335,535
4 years$300,535$289,100$278,170$267,721$257,729$232,868
5 years$238,024$226,658$215,871$205,635$195,922$172,099
6 years$196,364$185,083$174,456$164,448$155,026$132,267
7 years$166,618$155,433$144,974$135,202$126,078$104,387
8 years$144,319$133,234$122,949$113,418$104,594$83,963
9 years$126,984$116,005$105,896$96,607$88,083$68,497
10 years$113,125$102,252$92,323$83,276$75,051$56,489
11 years$101,793$91,029$81,280$72,475$64,546$46,984
12 years$92,356$81,703$72,133$63,570$55,935$39,345
13 years$84,377$73,836$64,446$56,123$48,776$33,128
14 years$77,544$67,114$57,905$49,820$42,757$28,020
15 years$71,628$61,310$52,281$44,430$37,646$23,787
16 years$66,456$56,251$47,400$39,783$33,272$20,255
17 years$61,897$51,805$43,132$35,744$29,501$17,293
18 years$57,849$47,870$39,374$32,213$26,231$14,796
19 years$54,232$44,366$36,045$29,107$23,380$12,682
20 years$50,980$41,227$33,081$26,362$20,884$10,887
21 years$48,042$38,401$30,428$23,925$18,689$9,359
22 years$45,375$35,846$28,044$21,754$16,752$8,054
23 years$42,943$33,526$25,894$19,811$15,037$6,938
24 years$40,717$31,412$23,947$18,069$13,516$5,981
25 years$38,672$29,478$22,180$16,502$12,162$5,160
26 years$36,788$27,705$20,571$15,088$10,955$4,455
27 years$35,046$26,074$19,102$13,811$9,877$3,847
28 years$33,432$24,569$17,757$12,654$8,912$3,325
29 years$31,931$23,178$16,525$11,604$8,048$2,874
30 years$30,534$21,889$15,392$10,649$7,272$2,485
31 years$29,228$20,693$14,350$9,780$6,574$2,149
32 years$28,007$19,579$13,389$8,989$5,947$1,860
33 years$26,863$18,542$12,501$8,266$5,382$1,609
34 years$25,788$17,574$11,680$7,605$4,873$1,393
35 years$24,776$16,668$10,920$7,001$4,413$1,206
36 years$23,823$15,821$10,216$6,448$3,999$1,044
37 years$22,924$15,026$9,562$5,941$3,624$904
38 years$22,074$14,280$8,954$5,476$3,286$783
39 years$21,270$13,579$8,389$5,049$2,980$678
40 years$20,507$12,919$7,863$4,657$2,703$587
41 years$19,784$12,298$7,373$4,297$2,452$509
42 years$19,097$11,712$6,916$3,965$2,225$441
43 years$18,444$11,159$6,490$3,660$2,019$382
44 years$17,822$10,637$6,092$3,380$1,833$331
45 years$17,230$10,143$5,720$3,121$1,664$286
46 years$16,665$9,676$5,372$2,883$1,511$248
47 years$16,125$9,234$5,047$2,664$1,372$215
48 years$15,610$8,815$4,743$2,461$1,246$186
49 years$15,117$8,418$4,458$2,275$1,131$161
50 years$14,645$8,041$4,191$2,103$1,028$140

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $15,000,000, adding $4,520 every year, while hoping to spend $51,137 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: 44/26/30 Blend
34$15,000,000$15,000,000$15,000,000$15,000,000
35$16,534,662$15,739,662$15,507,162$17,117,843
36$18,166,789$16,456,496$15,972,243$18,252,933
37$19,963,678$17,206,742$16,451,190$19,477,444
38$21,942,082$17,991,981$16,944,414$20,803,942
39$24,120,459$18,813,873$17,452,337$22,241,962
40$26,519,150$19,674,157$17,975,394$23,801,974
41$29,160,568$20,574,655$18,514,034$25,495,483
42$32,069,408$21,517,275$19,068,717$27,335,127
43$35,272,886$22,504,020$19,639,917$29,334,794
44$38,800,989$23,536,986$20,228,123$31,509,749
45$42,686,762$24,618,370$20,833,837$33,876,770
46$46,966,619$25,750,477$21,457,577$36,454,302
47$51,680,683$26,935,720$22,099,875$39,262,623
48$56,873,171$28,176,629$22,761,280$42,324,034
49$62,592,807$29,475,856$23,442,355$45,663,057
50$68,893,280$30,836,179$24,143,681$49,306,665
51$75,833,756$32,260,513$24,865,855$53,284,525
52$83,479,431$33,751,911$25,609,493$57,629,274
53$91,902,150$35,313,571$26,375,228$62,376,816
54$101,181,083$36,948,850$27,163,712$67,566,656
55$111,403,471$38,661,261$27,975,614$73,242,264
56$122,665,454$40,454,492$28,811,626$79,451,474
57$135,072,972$42,332,403$29,672,457$86,246,929
58$148,742,769$44,299,045$30,558,838$93,686,568
59$163,803,495$46,358,662$31,471,523$101,834,160
60$180,396,917$48,515,702$32,411,285$110,759,899
61$198,679,261$50,774,830$33,378,921$120,541,056
62$218,822,682$53,140,933$34,375,251$131,262,693
63$241,016,893$55,619,136$35,401,120$143,018,458
64$265,470,955$58,214,812$36,457,395$155,911,454
65$292,415,246$60,933,592$37,544,972$170,055,201
66$322,103,642$63,781,378$38,664,769$185,574,694
67$354,815,908$66,764,361$39,817,734$202,607,568
68$390,860,343$69,889,027$41,004,841$221,305,381
69$430,576,687$73,162,178$42,227,092$241,835,032
70$474,339,328$76,590,944$43,485,518$264,380,321
71$522,560,839$80,182,800$44,781,183$289,143,664
72$575,695,870$83,945,582$46,115,177$316,347,987
73$634,245,439$87,887,506$47,488,626$346,238,815
74$698,761,665$92,017,184$48,902,686$379,086,565
75$769,852,976$96,343,648$50,358,547$415,189,087
76$848,189,856$100,876,363$51,857,435$454,874,445
77$934,511,172$105,625,256$53,400,610$498,504,000
78$1,029,631,150$110,600,731$54,989,368$546,475,794
79$1,134,447,060$115,813,700$56,625,045$599,228,286
80$1,249,947,689$121,275,601$58,309,013$657,244,464
81$1,377,222,674$126,998,426$60,042,686$721,056,381
82$1,517,472,788$132,994,749$61,827,517$791,250,149
83$1,672,021,275$139,277,755$63,665,002$868,471,441
84$1,842,326,345$145,861,265$65,556,679$953,431,563
85$2,029,994,938$152,759,773$67,504,134$1,046,914,132
86$2,236,797,893$159,988,473$69,508,994$1,149,782,442
87$2,464,686,670$167,563,299$71,572,936$1,262,987,582
88$2,715,811,766$175,500,957$73,697,685$1,387,577,377
89$2,992,543,024$183,818,962$75,885,016$1,524,706,246
90$3,297,492,002$192,535,681$78,136,753$1,675,646,056
91$3,633,536,628$201,670,371$80,454,776$1,841,798,091
92$4,003,848,369$211,243,224$82,841,017$2,024,706,241
93$4,411,922,175$221,275,414$85,297,463$2,226,071,528
94$4,861,609,469$231,789,142$87,826,160$2,447,768,119
95$5,357,154,511$242,807,686$90,429,213$2,691,860,974
96$5,903,234,465$254,355,456$93,108,785$2,960,625,285
97$6,505,003,555$266,458,049$95,867,104$3,256,567,905
98$7,168,141,727$279,142,302$98,706,461$3,582,450,956
99$7,898,908,267$292,436,359$101,629,212$3,941,317,850
100$8,704,200,902$306,369,732$104,637,782$4,336,521,956