Can I retire at age 35 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,433,623
2 years$739,941$726,160$712,805$699,855$687,295$677,515
3 years$488,394$474,554$461,232$448,404$436,048$426,489
4 years$362,645$348,847$335,659$323,050$310,993$301,727
5 years$287,216$273,501$260,485$248,133$236,412$227,467
6 years$236,946$223,334$210,510$198,434$187,065$178,452
7 years$201,052$187,555$174,935$163,144$152,134$143,858
8 years$174,145$160,770$148,359$136,857$126,210$118,271
9 years$153,228$139,979$127,782$116,572$106,287$98,682
10 years$136,504$123,384$111,403$100,486$90,562$83,288
11 years$122,830$109,842$98,077$87,453$77,886$70,938
12 years$111,443$98,588$87,041$76,708$67,494$60,866
13 years$101,815$89,095$77,765$67,722$58,856$52,540
14 years$93,570$80,985$69,873$60,116$51,593$45,582
15 years$86,431$73,981$63,086$53,613$45,427$39,713
16 years$80,190$67,876$57,196$48,004$40,148$34,723
17 years$74,689$62,512$52,046$43,132$35,598$30,453
18 years$69,805$57,763$47,512$38,870$31,652$26,778
19 years$65,440$53,535$43,495$35,123$28,212$23,600
20 years$61,516$49,747$39,917$31,810$25,200$20,839
21 years$57,971$46,337$36,716$28,870$22,551$18,433
22 years$54,752$43,254$33,840$26,249$20,214$16,329
23 years$51,818$40,455$31,245$23,906$18,145$14,484
24 years$49,132$37,903$28,896$21,803$16,309$12,862
25 years$46,665$35,571$26,764$19,912$14,676$11,433
26 years$44,391$33,431$24,822$18,207$13,219$10,172
27 years$42,289$31,462$23,049$16,665$11,918$9,057
28 years$40,341$29,647$21,427$15,269$10,754$8,070
29 years$38,530$27,968$19,940$14,002$9,711$7,195
30 years$36,844$26,413$18,573$12,850$8,774$6,418
31 years$35,269$24,969$17,315$11,802$7,933$5,728
32 years$33,796$23,626$16,156$10,846$7,176$5,114
33 years$32,414$22,374$15,085$9,974$6,494$4,568
34 years$31,117$21,205$14,094$9,177$5,880$4,082
35 years$29,897$20,113$13,177$8,448$5,325$3,648
36 years$28,747$19,090$12,327$7,780$4,825$3,261
37 years$27,662$18,131$11,538$7,168$4,373$2,917
38 years$26,636$17,231$10,805$6,607$3,965$2,609
39 years$25,665$16,385$10,123$6,092$3,595$2,334
40 years$24,746$15,589$9,488$5,619$3,261$2,088
41 years$23,873$14,839$8,897$5,184$2,959$1,869
42 years$23,044$14,133$8,345$4,785$2,685$1,672
43 years$22,256$13,465$7,831$4,417$2,436$1,497
44 years$21,505$12,835$7,351$4,078$2,212$1,340
45 years$20,790$12,240$6,902$3,766$2,008$1,200
46 years$20,109$11,676$6,483$3,479$1,823$1,074
47 years$19,458$11,143$6,090$3,214$1,655$962
48 years$18,836$10,637$5,723$2,970$1,503$862
49 years$18,241$10,158$5,379$2,745$1,365$772
50 years$17,672$9,703$5,058$2,537$1,240$691

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,100,000, adding $5,392 every year, while hoping to spend $51,715 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: 37/43/20 Blend
34$18,100,000$18,100,000$18,100,000$18,100,000
35$19,951,762$18,992,462$18,711,912$20,569,449
36$21,931,817$19,868,068$19,283,737$21,893,922
37$24,112,105$20,784,846$19,872,984$23,318,354
38$26,512,994$21,744,758$20,480,184$24,855,905
39$29,156,930$22,749,861$21,105,880$26,516,768
40$32,068,645$23,802,312$21,750,635$28,312,115
41$35,275,392$24,904,372$22,415,027$30,254,199
42$38,807,204$26,058,408$23,099,652$32,356,455
43$42,697,173$27,266,904$23,805,125$34,633,626
44$46,981,765$28,532,463$24,532,077$37,101,883
45$51,701,165$29,857,812$25,281,161$39,778,978
46$56,899,651$31,245,813$26,053,048$42,684,393
47$62,626,020$32,699,462$26,848,429$45,839,520
48$68,934,041$34,221,902$27,668,018$49,267,848
49$75,882,964$35,816,427$28,512,548$52,995,174
50$83,538,084$37,486,490$29,382,776$57,049,834
51$91,971,351$39,235,710$30,279,481$61,462,959
52$101,262,051$41,067,882$31,203,466$66,268,755
53$111,497,555$42,986,983$32,155,557$71,504,812
54$122,774,144$44,997,184$33,136,607$77,212,445
55$135,197,916$47,102,855$34,147,492$83,437,068
56$148,885,789$49,308,580$35,189,118$90,228,606
57$163,966,601$51,619,162$36,262,416$97,641,953
58$180,582,332$54,039,639$37,368,344$105,737,468
59$198,889,438$56,575,289$38,507,892$114,581,533
60$219,060,332$59,231,650$39,682,078$124,247,153
61$241,285,008$62,014,523$40,891,950$134,814,633
62$265,772,838$64,929,994$42,138,589$146,372,309
63$292,754,545$67,984,441$43,423,109$159,017,364
64$322,484,381$71,184,551$44,746,656$172,856,721
65$355,242,530$74,537,336$46,110,411$188,008,028
66$391,337,749$78,050,147$47,515,591$204,600,746
67$431,110,286$81,730,690$48,963,450$222,777,344
68$474,935,089$85,587,048$50,455,279$242,694,614
69$523,225,345$89,627,690$51,992,408$264,525,126
70$576,436,384$93,861,501$53,576,207$288,458,828
71$635,069,974$98,297,793$55,208,089$314,704,802
72$699,679,058$102,946,332$56,889,507$343,493,211
73$770,872,975$107,817,355$58,621,958$375,077,436
74$849,323,211$112,921,598$60,406,986$409,736,429
75$935,769,739$118,270,316$62,246,180$447,777,313
76$1,031,028,002$123,875,312$64,141,177$489,538,239
77$1,135,996,616$129,748,959$66,093,664$535,391,539
78$1,251,665,846$135,904,234$68,105,377$585,747,197
79$1,379,126,962$142,354,740$70,178,107$641,056,673
80$1,519,582,534$149,114,745$72,313,695$701,817,120
81$1,674,357,790$156,199,205$74,514,042$768,576,027
82$1,844,913,124$163,623,806$76,781,102$841,936,333
83$2,032,857,883$171,404,993$79,116,890$922,562,070
84$2,239,965,563$179,560,013$81,523,481$1,011,184,570
85$2,468,190,545$188,106,948$84,003,012$1,108,609,312
86$2,719,686,552$197,064,761$86,557,685$1,215,723,465
87$2,996,826,981$206,453,334$89,189,767$1,333,504,194
88$3,302,227,304$216,293,518$91,901,595$1,463,027,820
89$3,638,769,764$226,607,176$94,695,575$1,605,479,910
90$4,009,630,587$237,417,235$97,574,183$1,762,166,391
91$4,418,309,963$248,747,735$100,539,974$1,934,525,804
92$4,868,665,092$260,623,887$103,595,576$2,124,142,798
93$5,364,946,601$273,072,127$106,743,698$2,332,763,010
94$5,911,838,671$286,120,178$109,987,128$2,562,309,449
95$6,514,503,258$299,797,109$113,328,740$2,814,900,558
96$7,178,628,830$314,133,408$116,771,492$3,092,870,118
97$7,910,484,067$329,161,041$120,318,434$3,398,789,169
98$8,716,977,044$344,913,534$123,972,703$3,735,490,183
99$9,605,720,448$361,426,042$127,737,534$4,106,093,683
100$10,585,103,449$378,735,434$131,616,257$4,514,037,589