Can I retire at age 35 with 18,500,000?

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 $18,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,430,285
2 years$756,293$742,208$728,557$715,322$702,484$657,602
3 years$499,187$485,041$471,425$458,314$445,685$402,260
4 years$370,659$356,557$343,077$330,189$317,866$276,231
5 years$293,563$279,545$266,242$253,617$241,637$201,904
6 years$242,182$228,269$215,163$202,820$191,199$153,403
7 years$205,496$191,700$178,801$166,749$155,496$119,636
8 years$177,994$164,322$151,638$139,882$128,999$95,051
9 years$156,614$143,072$130,605$119,148$108,636$76,564
10 years$139,521$126,111$113,865$102,707$92,563$62,322
11 years$125,544$112,269$100,245$89,386$79,607$51,143
12 years$113,906$100,767$88,965$78,403$68,986$42,241
13 years$104,065$91,064$79,484$69,218$60,157$35,068
14 years$95,638$82,775$71,417$61,444$52,733$29,235
15 years$88,341$75,616$64,480$54,798$46,431$24,456
16 years$81,962$69,376$58,460$49,065$41,036$20,515
17 years$76,340$63,893$53,197$44,085$36,385$17,249
18 years$71,347$59,040$48,562$39,729$32,352$14,531
19 years$66,886$54,718$44,456$35,899$28,836$12,261
20 years$62,876$50,846$40,799$32,513$25,757$10,359
21 years$59,252$47,361$37,528$29,508$23,049$8,762
22 years$55,962$44,210$34,587$26,829$20,660$7,418
23 years$52,963$41,349$31,935$24,434$18,546$6,286
24 years$50,218$38,741$29,535$22,285$16,670$5,330
25 years$47,696$36,357$27,355$20,352$15,000$4,522
26 years$45,372$34,169$25,371$18,609$13,512$3,838
27 years$43,224$32,157$23,559$17,033$12,182$3,259
28 years$41,232$30,302$21,901$15,606$10,992$2,768
29 years$39,382$28,586$20,381$14,311$9,925$2,352
30 years$37,658$26,997$18,984$13,134$8,968$1,999
31 years$36,048$25,521$17,698$12,063$8,108$1,699
32 years$34,543$24,148$16,513$11,086$7,334$1,445
33 years$33,131$22,868$15,418$10,194$6,638$1,228
34 years$31,805$21,674$14,406$9,380$6,010$1,045
35 years$30,558$20,557$13,468$8,635$5,443$889
36 years$29,382$19,512$12,599$7,952$4,932$756
37 years$28,273$18,532$11,793$7,327$4,470$643
38 years$27,225$17,612$11,043$6,753$4,052$547
39 years$26,233$16,747$10,346$6,227$3,675$465
40 years$25,292$15,934$9,698$5,743$3,333$396
41 years$24,400$15,167$9,093$5,299$3,024$337
42 years$23,553$14,445$8,530$4,890$2,744$287
43 years$22,748$13,763$8,004$4,514$2,490$244
44 years$21,981$13,119$7,513$4,168$2,260$208
45 years$21,250$12,510$7,055$3,850$2,052$177
46 years$20,553$11,934$6,626$3,556$1,863$150
47 years$19,888$11,389$6,225$3,285$1,692$128
48 years$19,252$10,872$5,850$3,036$1,536$109
49 years$18,644$10,382$5,498$2,805$1,395$93
50 years$18,062$9,918$5,169$2,593$1,267$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,500,000, adding $2,403 every year, while hoping to spend $33,787 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: 64/17/19 Blend
34$18,500,000$18,500,000$18,500,000$18,500,000
35$20,389,479$19,408,979$19,122,229$21,596,233
36$22,433,256$20,324,070$19,726,874$23,322,661
37$24,684,367$21,282,867$20,350,643$25,203,884
38$27,163,923$22,287,478$20,994,140$27,258,271
39$29,895,189$23,340,110$21,657,989$29,502,747
40$32,903,801$24,443,079$22,342,835$31,955,932
41$36,218,009$25,598,810$23,049,340$34,638,314
42$39,868,944$26,809,850$23,778,192$37,572,437
43$43,890,911$28,078,867$24,530,096$40,783,111
44$48,321,712$29,408,659$25,305,781$44,297,637
45$53,203,002$30,802,160$26,106,001$48,146,068
46$58,580,688$32,262,445$26,931,531$52,361,480
47$64,505,353$33,792,740$27,783,173$56,980,281
48$71,032,741$35,396,426$28,661,751$62,042,553
49$78,224,280$37,077,050$29,568,119$67,592,417
50$86,147,661$38,838,331$30,503,156$73,678,453
51$94,877,479$40,684,165$31,467,768$80,354,142
52$104,495,936$42,618,643$32,462,891$87,678,374
53$115,093,614$44,646,049$33,489,492$95,715,989
54$126,770,338$46,770,880$34,548,564$104,538,388
55$139,636,108$48,997,849$35,641,137$114,224,195
56$153,812,145$51,331,898$36,768,269$124,859,994
57$169,432,033$53,778,210$37,931,055$136,541,138
58$186,642,977$56,342,219$39,130,622$149,372,640
59$205,607,197$59,029,624$40,368,135$163,470,153
60$226,503,457$61,846,402$41,644,793$178,961,058
61$249,528,751$64,798,817$42,961,835$195,985,654
62$274,900,166$67,893,442$44,320,539$214,698,469
63$302,856,930$71,137,167$45,722,224$235,269,713
64$333,662,667$74,537,219$47,168,249$257,886,873
65$367,607,891$78,101,174$48,660,017$282,756,467
66$405,012,744$81,836,980$50,198,976$310,105,989
67$446,230,021$85,752,969$51,786,619$340,186,035
68$491,648,499$89,857,880$53,424,486$373,272,664
69$541,696,606$94,160,876$55,114,166$409,669,985
70$596,846,468$98,671,568$56,857,300$449,713,014
71$657,618,367$103,400,033$58,655,578$493,770,825
72$724,585,646$108,356,840$60,510,745$542,250,013
73$798,380,129$113,553,073$62,424,602$595,598,521
74$879,698,081$119,000,353$64,399,006$654,309,849
75$969,306,785$124,710,870$66,435,872$718,927,696
76$1,068,051,781$130,697,406$68,537,178$790,051,072
77$1,176,864,851$136,973,368$70,704,962$868,339,937
78$1,296,772,816$143,552,813$72,941,328$954,521,405
79$1,428,907,228$150,450,485$75,248,446$1,049,396,595
80$1,574,515,052$157,681,845$77,628,556$1,153,848,164
81$1,734,970,442$165,263,110$80,083,968$1,268,848,620
82$1,911,787,709$173,211,285$82,617,063$1,395,469,477
83$2,106,635,622$181,544,204$85,230,301$1,534,891,348
84$2,321,353,157$190,280,572$87,926,218$1,688,415,060
85$2,557,966,862$199,440,004$90,707,430$1,857,473,910
86$2,818,709,990$209,043,072$93,576,636$2,043,647,164
87$3,106,043,578$219,111,351$96,536,622$2,248,674,938
88$3,422,679,685$229,667,469$99,590,261$2,474,474,592
89$3,771,606,993$240,735,156$102,740,516$2,723,158,799
90$4,156,119,028$252,339,300$105,990,444$2,997,055,455
91$4,579,845,246$264,506,003$109,343,201$3,298,729,617
92$5,046,785,304$277,262,640$112,802,041$3,631,007,686
93$5,561,346,816$290,637,921$116,370,321$3,997,004,043
94$6,128,386,970$304,661,957$120,051,505$4,400,150,415
95$6,753,258,376$319,366,328$123,849,166$4,844,228,226
96$7,441,859,608$334,784,156$127,766,991$5,333,404,252
97$8,200,690,886$350,950,177$131,808,782$5,872,269,911
98$9,036,915,444$367,900,823$135,978,464$6,465,884,556
99$9,958,427,160$385,674,305$140,280,084$7,119,823,191
100$10,973,925,081$404,310,697$144,717,818$7,840,229,048