Can I retire at age 35 with 15,500,000?

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 $15,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$1,279,976$1,268,574$1,257,451$1,246,593$1,235,992$1,186,484
2 years$633,651$621,850$610,413$599,324$588,568$539,311
3 years$418,238$406,386$394,978$383,993$373,411$325,957
4 years$310,552$298,737$287,443$276,645$266,320$221,029
5 years$245,958$234,213$223,067$212,490$202,452$159,439
6 years$202,909$191,253$180,271$169,930$160,194$119,486
7 years$172,172$160,614$149,806$139,709$130,280$91,862
8 years$149,130$137,676$127,048$117,198$108,080$71,912
9 years$131,217$119,871$109,426$99,827$91,019$57,046
10 years$116,896$105,661$95,400$86,052$77,553$45,707
11 years$105,186$94,064$83,989$74,891$66,698$36,904
12 years$95,434$84,426$74,538$65,689$57,799$29,976
13 years$87,190$76,297$66,595$57,994$50,402$24,465
14 years$80,129$69,352$59,836$51,480$44,182$20,043
15 years$74,015$63,354$54,024$45,911$38,901$16,471
16 years$68,671$58,126$48,980$41,109$34,381$13,569
17 years$63,960$53,532$44,570$36,936$30,485$11,201
18 years$59,778$49,466$40,687$33,287$27,106$9,261
19 years$56,040$45,845$37,247$30,077$24,160$7,668
20 years$52,680$42,601$34,183$27,241$21,580$6,355
21 years$49,644$39,681$31,442$24,723$19,312$5,273
22 years$46,887$37,041$28,979$22,479$17,310$4,378
23 years$44,374$34,644$26,757$20,472$15,539$3,637
24 years$42,074$32,459$24,745$18,671$13,966$3,023
25 years$39,961$30,461$22,919$17,052$12,568$2,514
26 years$38,014$28,628$21,256$15,591$11,320$2,091
27 years$36,214$26,943$19,738$14,271$10,206$1,740
28 years$34,546$25,388$18,349$13,075$9,209$1,448
29 years$32,996$23,951$17,076$11,990$8,316$1,206
30 years$31,551$22,619$15,905$11,004$7,514$1,004
31 years$30,203$21,382$14,828$10,106$6,793$836
32 years$28,941$20,232$13,835$9,288$6,145$696
33 years$27,758$19,160$12,918$8,541$5,561$580
34 years$26,647$18,159$12,070$7,859$5,035$483
35 years$25,602$17,224$11,284$7,234$4,560$402
36 years$24,618$16,348$10,556$6,663$4,132$335
37 years$23,688$15,527$9,880$6,139$3,745$279
38 years$22,810$14,756$9,252$5,658$3,395$233
39 years$21,979$14,031$8,669$5,217$3,079$194
40 years$21,191$13,350$8,125$4,812$2,793$162
41 years$20,444$12,708$7,619$4,440$2,534$135
42 years$19,734$12,102$7,147$4,097$2,299$112
43 years$19,059$11,531$6,706$3,782$2,086$93
44 years$18,416$10,992$6,295$3,492$1,894$78
45 years$17,804$10,482$5,911$3,225$1,719$65
46 years$17,220$9,999$5,551$2,979$1,561$54
47 years$16,663$9,542$5,216$2,752$1,417$45
48 years$16,130$9,109$4,901$2,543$1,287$38
49 years$15,621$8,699$4,607$2,351$1,169$31
50 years$15,133$8,309$4,331$2,173$1,062$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $15,500,000, adding $3,144 every year, while hoping to spend $25,425 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: 71/20/9 Blend
34$15,500,000$15,500,000$15,500,000$15,500,000
35$17,084,243$16,262,743$16,022,493$18,269,033
36$18,799,784$17,032,565$16,532,195$19,822,807
37$20,689,458$17,839,257$17,058,119$21,519,561
38$22,770,999$18,684,597$17,600,783$23,376,104
39$25,063,951$19,570,453$18,160,719$25,408,168
40$27,589,849$20,498,780$18,738,478$27,633,064
41$30,372,424$21,471,631$19,334,628$30,069,843
42$33,437,827$22,491,156$19,949,753$32,739,473
43$36,814,874$23,559,611$20,584,458$35,665,028
44$40,535,321$24,679,362$21,239,368$38,871,911
45$44,634,162$25,852,889$21,915,125$42,388,080
46$49,149,958$27,082,792$22,612,393$46,244,316
47$54,125,203$28,371,798$23,331,857$50,474,500
48$59,606,724$29,722,767$24,074,225$55,115,939
49$65,646,125$31,138,697$24,840,226$60,209,704
50$72,300,269$32,622,733$25,630,613$65,801,016
51$79,631,820$34,178,170$26,446,162$71,939,670
52$87,709,832$35,808,467$27,287,676$78,680,494
53$96,610,402$37,517,250$28,155,980$86,083,865
54$106,417,387$39,308,318$29,051,929$94,216,272
55$117,223,195$41,185,660$29,976,403$103,150,935
56$129,129,659$43,153,456$30,930,310$112,968,493
57$142,248,997$45,216,088$31,914,589$123,757,754
58$156,704,874$47,378,156$32,930,207$135,616,530
59$172,633,565$49,644,479$33,978,163$148,652,550
60$190,185,243$52,020,113$35,059,485$162,984,469
61$209,525,398$54,510,359$36,175,239$178,742,982
62$230,836,399$57,120,777$37,326,519$196,072,045
63$254,319,213$59,857,196$38,514,459$215,130,228
64$280,195,306$62,725,732$39,740,227$236,092,202
65$308,708,729$65,732,795$41,005,026$259,150,375
66$340,128,427$68,885,109$42,310,102$284,516,701
67$374,750,774$72,189,727$43,656,738$312,424,667
68$412,902,371$75,654,041$45,046,257$343,131,489
69$454,943,132$79,285,809$46,480,025$376,920,524
70$501,269,679$83,093,161$47,959,454$414,103,935
71$552,319,088$87,084,628$49,485,998$455,025,623
72$608,573,014$91,269,153$51,061,157$500,064,462
73$670,562,237$95,656,118$52,686,482$549,637,856
74$738,871,677$100,255,359$54,363,571$604,205,672
75$814,145,911$105,077,194$56,094,073$664,274,558
76$897,095,260$110,132,443$57,879,691$730,402,712
77$988,502,496$115,432,453$59,722,180$803,205,134
78$1,089,230,232$120,989,124$61,623,354$883,359,415
79$1,200,229,061$126,814,937$63,585,082$971,612,112
80$1,322,546,538$132,922,981$65,609,295$1,068,785,777
81$1,457,337,061$139,326,984$67,697,983$1,175,786,702
82$1,605,872,778$146,041,342$69,853,202$1,293,613,451
83$1,769,555,588$153,081,155$72,077,071$1,423,366,264
84$1,949,930,385$160,462,259$74,371,780$1,566,257,422
85$2,148,699,635$168,201,260$76,739,585$1,723,622,664
86$2,367,739,453$176,315,577$79,182,817$1,896,933,772
87$2,609,117,316$184,823,479$81,703,879$2,087,812,436
88$2,875,111,576$193,744,123$84,305,253$2,298,045,536
89$3,168,232,976$203,097,604$86,989,498$2,529,601,982
90$3,491,248,349$212,904,996$89,759,256$2,784,651,266
91$3,847,206,742$223,188,403$92,617,253$3,065,583,914
92$4,239,468,199$233,971,004$95,566,301$3,375,034,019
93$4,671,735,486$245,277,114$98,609,302$3,715,904,069
94$5,148,089,045$257,132,231$101,749,253$4,091,392,312
95$5,673,025,517$269,563,100$104,989,242$4,505,022,909
96$6,251,500,198$282,597,771$108,332,460$4,960,679,165
97$6,888,973,818$296,265,661$111,782,198$5,462,640,143
98$7,591,464,096$310,597,628$115,341,850$6,015,621,015
99$8,365,602,554$325,626,031$119,014,922$6,624,817,534
100$9,218,697,121$341,384,814$122,805,029$7,295,955,027