Can I retire at age 35 with 18,300,000?

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 $18,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,511,197$1,497,736$1,484,603$1,471,784$1,459,268$1,435,684
2 years$748,117$734,184$720,681$707,589$694,889$671,194
3 years$493,791$479,798$466,328$453,359$440,866$417,797
4 years$366,652$352,702$339,368$326,620$314,430$292,164
5 years$290,389$276,523$263,363$250,875$239,024$217,626
6 years$239,564$225,802$212,837$200,627$189,132$168,626
7 years$203,274$189,628$176,868$164,946$153,815$134,208
8 years$176,069$162,546$149,998$138,369$127,604$108,893
9 years$154,921$141,526$129,193$117,860$107,461$89,635
10 years$138,012$124,748$112,634$101,597$91,562$74,607
11 years$124,187$111,056$99,161$88,419$78,747$62,644
12 years$112,674$99,678$88,003$77,556$68,240$52,970
13 years$102,940$90,079$78,625$68,470$59,507$45,046
14 years$94,604$81,880$70,645$60,780$52,163$38,489
15 years$87,386$74,799$63,783$54,205$45,929$33,015
16 years$81,076$68,626$57,828$48,535$40,592$28,412
17 years$75,514$63,202$52,621$43,608$35,992$24,519
18 years$70,576$58,402$48,037$39,300$32,002$21,209
19 years$66,163$54,126$43,975$35,511$28,524$18,382
20 years$62,196$50,297$40,358$32,162$25,478$15,959
21 years$58,611$46,849$37,122$29,189$22,800$13,876
22 years$55,357$43,732$34,214$26,539$20,437$12,080
23 years$52,390$40,902$31,590$24,170$18,346$10,528
24 years$49,675$38,322$29,216$22,044$16,489$9,184
25 years$47,180$35,964$27,059$20,132$14,838$8,018
26 years$44,881$33,800$25,096$18,408$13,365$7,006
27 years$42,756$31,810$23,304$16,849$12,050$6,124
28 years$40,787$29,974$21,664$15,437$10,873$5,357
29 years$38,956$28,277$20,160$14,156$9,818$4,688
30 years$37,251$26,705$18,779$12,992$8,871$4,104
31 years$35,659$25,245$17,507$11,932$8,020$3,594
32 years$34,169$23,887$16,334$10,966$7,255$3,149
33 years$32,773$22,621$15,251$10,084$6,566$2,759
34 years$31,461$21,440$14,250$9,278$5,945$2,418
35 years$30,227$20,335$13,323$8,541$5,384$2,120
36 years$29,065$19,301$12,463$7,866$4,878$1,859
37 years$27,967$18,332$11,665$7,248$4,421$1,630
38 years$26,930$17,422$10,924$6,680$4,008$1,430
39 years$25,949$16,566$10,235$6,160$3,635$1,254
40 years$25,019$15,761$9,593$5,681$3,297$1,100
41 years$24,137$15,003$8,995$5,242$2,991$965
42 years$23,299$14,289$8,438$4,838$2,714$847
43 years$22,502$13,614$7,918$4,466$2,463$743
44 years$21,743$12,977$7,432$4,123$2,236$652
45 years$21,020$12,375$6,978$3,808$2,030$572
46 years$20,331$11,805$6,554$3,517$1,843$502
47 years$19,673$11,266$6,158$3,250$1,674$441
48 years$19,044$10,755$5,786$3,003$1,520$387
49 years$18,443$10,270$5,439$2,775$1,380$340
50 years$17,867$9,810$5,113$2,565$1,254$298

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,300,000, adding $5,709 every year, while hoping to spend $55,148 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: 44/34/22 Blend
34$18,300,000$18,300,000$18,300,000$18,300,000
35$20,172,489$19,202,589$18,918,939$20,931,225
36$22,171,406$20,084,839$19,494,046$22,350,334
37$24,372,364$21,008,470$20,086,571$23,881,807
38$26,795,913$21,975,453$20,697,040$25,540,756
39$29,464,697$22,987,852$21,325,992$27,339,018
40$32,403,669$24,047,830$21,973,986$29,289,593
41$35,640,324$25,157,654$22,641,595$31,406,750
42$39,204,959$26,319,701$23,329,410$33,706,164
43$43,130,961$27,536,462$24,038,041$36,205,048
44$47,455,118$28,810,548$24,768,115$38,922,316
45$52,217,971$30,144,695$25,520,277$41,878,747
46$57,464,191$31,541,773$26,295,193$45,097,177
47$63,243,005$33,004,786$27,093,549$48,602,703
48$69,608,658$34,536,887$27,916,050$52,422,911
49$76,620,926$36,141,380$28,763,422$56,588,130
50$84,345,680$37,821,726$29,636,416$61,131,704
51$92,855,505$39,581,557$30,535,801$66,090,299
52$102,230,389$41,424,675$31,462,373$71,504,237
53$112,558,475$43,355,071$32,416,949$77,417,865
54$123,936,894$45,376,924$33,400,372$83,879,964
55$136,472,682$47,494,619$34,413,509$90,944,193
56$150,283,789$49,712,748$35,457,255$98,669,587
57$165,500,191$52,036,129$36,532,529$107,121,095
58$182,265,122$54,469,810$37,640,280$116,370,185
59$200,736,418$57,019,085$38,781,483$126,495,499
60$221,088,015$59,689,502$39,957,145$137,583,582
61$243,511,584$62,486,879$41,168,301$149,729,683
62$268,218,344$65,417,314$42,416,017$163,038,636
63$295,441,053$68,487,200$43,701,391$177,625,829
64$325,436,208$71,703,241$45,025,556$193,618,283
65$358,486,465$75,072,463$46,389,675$211,155,821
66$394,903,304$78,602,234$47,794,949$230,392,377
67$435,029,974$82,300,276$49,242,613$251,497,419
68$479,244,730$86,174,689$50,733,940$274,657,534
69$527,964,405$90,233,961$52,270,239$300,078,162
70$581,648,344$94,486,994$53,852,861$327,985,512
71$640,802,738$98,943,120$55,483,195$358,628,671
72$705,985,408$103,612,124$57,162,673$392,281,931
73$777,811,065$108,504,263$58,892,768$429,247,347
74$856,957,117$113,630,295$60,674,999$469,857,562
75$944,170,059$119,001,496$62,510,927$514,478,915
76$1,040,272,526$124,629,690$64,402,164$563,514,868
77$1,146,171,053$130,527,275$66,350,367$617,409,782
78$1,262,864,639$136,707,249$68,357,242$676,653,075
79$1,391,454,170$143,183,243$70,424,548$741,783,807
80$1,533,152,820$149,969,546$72,554,095$813,395,730
81$1,689,297,498$157,081,144$74,747,747$892,142,852
82$1,861,361,470$164,533,747$77,007,424$978,745,573
83$2,050,968,269$172,343,830$79,335,102$1,073,997,437
84$2,259,907,022$180,528,667$81,732,817$1,178,772,579
85$2,490,149,337$189,106,371$84,202,665$1,294,033,930
86$2,743,867,920$198,095,933$86,746,805$1,420,842,258
87$3,023,457,084$207,517,270$89,367,459$1,560,366,124
88$3,331,555,353$217,391,264$92,066,916$1,713,892,866
89$3,671,070,374$227,739,810$94,847,533$1,882,840,690
90$4,045,206,363$238,585,872$97,711,736$2,068,771,998
91$4,457,494,358$249,953,525$100,662,025$2,273,408,075
92$4,911,825,551$261,868,017$103,700,972$2,498,645,273
93$5,412,488,030$274,355,822$106,831,227$2,746,572,846
94$5,964,207,254$287,444,702$110,055,518$3,019,492,596
95$6,572,190,670$301,163,769$113,376,654$3,319,940,534
96$7,242,176,875$315,543,550$116,797,528$3,650,710,735
97$7,980,489,789$330,616,057$120,321,118$4,014,881,639
98$8,794,098,363$346,414,859$123,950,491$4,415,845,020
99$9,690,682,368$362,975,159$127,688,804$4,857,337,921
100$10,678,704,899$380,333,872$131,539,309$5,343,477,832