Can I retire at age 35 with 18,000,000?

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 $18,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,381,124
2 years$735,853$722,148$708,867$695,989$683,498$629,501
3 years$485,696$471,932$458,684$445,927$433,639$381,564
4 years$360,642$346,920$333,804$321,265$309,275$259,520
5 years$285,629$271,990$259,046$246,762$235,106$187,799
6 years$235,636$222,100$209,347$197,338$186,031$141,205
7 years$199,942$186,519$173,969$162,242$151,293$108,934
8 years$173,183$159,881$147,539$136,101$125,512$85,581
9 years$152,381$139,205$127,076$115,928$105,700$68,140
10 years$135,750$122,703$110,787$99,931$90,061$54,804
11 years$122,151$109,235$97,535$86,970$77,456$44,423
12 years$110,827$98,044$86,560$76,284$67,122$36,229
13 years$101,253$88,603$77,336$67,348$58,531$29,691
14 years$93,053$80,537$69,487$59,784$51,308$24,427
15 years$85,953$73,572$62,737$53,317$45,176$20,159
16 years$79,747$67,501$56,880$47,739$39,926$16,680
17 years$74,276$62,166$51,759$42,893$35,402$13,830
18 years$69,419$57,444$47,249$38,655$31,477$11,486
19 years$65,078$53,239$43,254$34,929$28,057$9,554
20 years$61,176$49,472$39,697$31,634$25,061$7,955
21 years$57,651$46,081$36,513$28,710$22,426$6,631
22 years$54,450$43,015$33,653$26,104$20,102$5,531
23 years$51,531$40,231$31,072$23,774$18,045$4,617
24 years$48,860$37,694$28,737$21,683$16,219$3,856
25 years$46,407$35,374$26,616$19,802$14,595$3,222
26 years$44,146$33,246$24,685$18,106$13,146$2,693
27 years$42,055$31,288$22,922$16,573$11,853$2,252
28 years$40,118$29,483$21,309$15,184$10,695$1,883
29 years$38,318$27,814$19,830$13,924$9,657$1,576
30 years$36,640$26,267$18,471$12,779$8,726$1,318
31 years$35,074$24,831$17,220$11,737$7,889$1,103
32 years$33,609$23,495$16,066$10,786$7,136$923
33 years$32,235$22,250$15,001$9,919$6,458$773
34 years$30,945$21,088$14,016$9,126$5,847$647
35 years$29,732$20,002$13,104$8,401$5,296$542
36 years$28,588$18,985$12,259$7,737$4,798$454
37 years$27,509$18,031$11,474$7,129$4,349$380
38 years$26,489$17,136$10,745$6,571$3,943$318
39 years$25,524$16,295$10,067$6,059$3,575$266
40 years$24,609$15,503$9,436$5,588$3,243$223
41 years$23,741$14,757$8,848$5,156$2,942$187
42 years$22,917$14,054$8,299$4,758$2,670$156
43 years$22,133$13,391$7,788$4,392$2,423$131
44 years$21,387$12,764$7,310$4,056$2,199$110
45 years$20,676$12,172$6,864$3,745$1,997$92
46 years$19,997$11,612$6,447$3,460$1,813$77
47 years$19,350$11,081$6,057$3,196$1,646$64
48 years$18,732$10,578$5,692$2,954$1,495$54
49 years$18,140$10,102$5,350$2,730$1,358$45
50 years$17,574$9,650$5,030$2,523$1,233$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,000,000, adding $5,640 every year, while hoping to spend $57,414 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: 27/50/23 Blend
34$18,000,000$18,000,000$18,000,000$18,000,000
35$19,841,818$18,887,818$18,608,818$20,233,456
36$21,804,595$19,752,233$19,171,125$21,408,507
37$23,965,651$20,657,080$19,750,345$22,663,899
38$26,345,151$21,604,279$20,346,985$24,010,644
39$28,965,311$22,595,845$20,961,564$25,456,533
40$31,850,617$23,633,884$21,594,620$27,010,086
41$35,028,044$24,720,610$22,246,705$28,680,619
42$38,527,323$25,858,338$22,918,387$30,478,329
43$42,381,210$27,049,496$23,610,253$32,414,376
44$46,625,803$28,296,631$24,322,906$34,500,978
45$51,300,878$29,602,409$25,056,967$36,751,518
46$56,450,267$30,969,626$25,813,074$39,180,655
47$62,122,269$32,401,213$26,591,888$41,804,455
48$68,370,109$33,900,242$27,394,085$44,640,525
49$75,252,437$35,469,930$28,220,363$47,708,172
50$82,833,883$37,113,654$29,071,443$51,028,566
51$91,185,666$38,834,949$29,948,062$54,624,930
52$100,386,266$40,637,524$30,850,985$58,522,739
53$110,522,167$42,525,264$31,780,995$62,749,952
54$121,688,669$44,502,244$32,738,899$67,337,252
55$133,990,792$46,572,733$33,725,531$72,318,325
56$147,544,263$48,741,206$34,741,746$77,730,156
57$162,476,609$51,012,357$35,788,426$83,613,360
58$178,928,364$53,391,103$36,866,480$90,012,546
59$197,054,391$55,882,601$37,976,840$96,976,721
60$217,025,346$58,492,256$39,120,471$104,559,724
61$239,029,287$61,225,732$40,298,363$112,820,718
62$263,273,453$64,088,971$41,511,536$121,824,723
63$289,986,213$67,088,199$42,761,041$131,643,203
64$319,419,229$70,229,943$44,047,958$142,354,720
65$351,849,827$73,521,046$45,373,401$154,045,642
66$387,583,615$76,968,684$46,738,517$166,810,937
67$426,957,372$80,580,377$48,144,484$180,755,034
68$470,342,218$84,364,010$49,592,519$195,992,783
69$518,147,127$88,327,850$51,083,872$212,650,502
70$570,822,782$92,480,563$52,619,830$230,867,139
71$628,865,831$96,831,235$54,201,718$250,795,548
72$692,823,573$101,389,392$55,830,903$272,603,894
73$763,299,127$106,165,023$57,508,788$296,477,201
74$840,957,126$111,168,597$59,236,821$322,619,061
75$926,529,988$116,411,093$61,016,489$351,253,509
76$1,020,824,831$121,904,021$62,849,326$382,627,097
77$1,124,731,095$127,659,449$64,736,910$417,011,175
78$1,239,228,935$133,690,030$66,680,865$454,704,400
79$1,365,398,476$140,009,031$68,682,863$496,035,509
80$1,504,430,008$146,630,361$70,744,626$541,366,366
81$1,657,635,224$153,568,604$72,867,927$591,095,324
82$1,826,459,603$160,839,052$75,054,588$645,660,924
83$2,012,496,054$168,457,738$77,306,489$705,545,977
84$2,217,499,958$176,441,472$79,625,562$771,282,056
85$2,443,405,732$184,807,883$82,013,797$843,454,448
86$2,692,345,100$193,575,452$84,473,242$922,707,605
87$2,966,667,210$202,763,560$87,006,006$1,009,751,161
88$3,268,960,818$212,392,527$89,614,260$1,105,366,549
89$3,602,078,721$222,483,660$92,300,237$1,210,414,295
90$3,969,164,692$233,059,301$95,066,237$1,325,842,066
91$4,373,683,162$244,142,878$97,914,627$1,452,693,518
92$4,819,451,922$255,758,956$100,847,844$1,592,118,061
93$5,310,678,166$267,933,294$103,868,395$1,745,381,611
94$5,851,998,216$280,692,902$106,978,863$1,913,878,440
95$6,448,521,283$294,066,103$110,181,904$2,099,144,231
96$7,105,877,709$308,082,597$113,480,253$2,302,870,464
97$7,830,272,119$322,773,529$116,876,725$2,526,920,268
98$8,628,541,998$338,171,554$120,374,218$2,773,345,886
99$9,508,222,242$354,310,920$123,975,714$3,044,407,923
100$10,477,616,293$371,227,537$127,684,283$3,342,596,551