Can I retire at age 35 with 18,600,000?

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 $18,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$1,535,971$1,522,289$1,508,941$1,495,912$1,483,190$1,433,991
2 years$760,381$746,220$732,495$719,188$706,281$657,191
3 years$501,886$487,663$473,973$460,791$448,094$400,654
4 years$372,663$358,484$344,931$331,974$319,584$274,158
5 years$295,150$281,056$267,681$254,988$242,943$199,651
6 years$243,491$229,503$216,326$203,916$192,232$151,110
7 years$206,606$192,736$179,768$167,650$156,336$117,378
8 years$178,956$165,211$152,457$140,638$129,696$92,873
9 years$157,461$143,846$131,311$119,792$109,223$74,491
10 years$140,275$126,793$114,480$103,262$93,063$60,368
11 years$126,223$112,876$100,787$89,869$80,038$49,317
12 years$114,521$101,312$89,446$78,827$69,359$40,543
13 years$104,628$91,556$79,914$69,593$60,482$33,499
14 years$96,155$83,222$71,803$61,776$53,018$27,792
15 years$88,818$76,025$64,828$55,094$46,682$23,133
16 years$82,405$69,751$58,776$49,330$41,257$19,308
17 years$76,752$64,238$53,484$44,323$36,582$16,151
18 years$71,733$59,359$48,824$39,944$32,527$13,535
19 years$67,248$55,013$44,696$36,093$28,992$11,360
20 years$63,216$51,121$41,020$32,689$25,896$9,547
21 years$59,572$47,617$37,730$29,667$23,174$8,032
22 years$56,265$44,449$34,774$26,974$20,772$6,763
23 years$53,249$41,572$32,108$24,566$18,646$5,699
24 years$50,489$38,951$29,694$22,406$16,760$4,805
25 years$47,954$36,553$27,503$20,462$15,081$4,054
26 years$45,617$34,354$25,508$18,710$13,585$3,422
27 years$43,457$32,331$23,686$17,125$12,248$2,889
28 years$41,455$30,466$22,019$15,690$11,051$2,440
29 years$39,595$28,741$20,491$14,388$9,979$2,061
30 years$37,862$27,143$19,086$13,205$9,017$1,742
31 years$36,243$25,659$17,794$12,128$8,152$1,472
32 years$34,729$24,278$16,602$11,146$7,374$1,244
33 years$33,310$22,992$15,501$10,249$6,673$1,052
34 years$31,977$21,791$14,483$9,430$6,042$889
35 years$30,723$20,669$13,541$8,681$5,473$752
36 years$29,541$19,618$12,667$7,995$4,958$636
37 years$28,426$18,632$11,856$7,366$4,494$538
38 years$27,372$17,707$11,103$6,790$4,074$455
39 years$26,374$16,838$10,402$6,261$3,695$385
40 years$25,429$16,020$9,750$5,774$3,351$325
41 years$24,532$15,249$9,142$5,328$3,040$275
42 years$23,681$14,523$8,576$4,917$2,759$233
43 years$22,871$13,837$8,047$4,539$2,504$197
44 years$22,099$13,190$7,554$4,191$2,273$167
45 years$21,365$12,578$7,093$3,870$2,063$141
46 years$20,664$11,999$6,662$3,575$1,873$119
47 years$19,995$11,450$6,259$3,303$1,701$101
48 years$19,356$10,931$5,881$3,052$1,545$85
49 years$18,745$10,439$5,528$2,821$1,403$72
50 years$18,160$9,971$5,197$2,607$1,274$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,600,000, adding $2,578 every year, while hoping to spend $23,210 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: 62/8/30 Blend
34$18,600,000$18,600,000$18,600,000$18,600,000
35$20,499,859$19,514,059$19,225,759$21,604,685
36$22,566,150$20,445,553$19,845,127$23,288,775
37$24,842,424$21,421,912$20,484,465$25,124,240
38$27,350,075$22,445,310$21,144,419$27,128,132
39$30,112,680$23,518,027$21,825,654$29,316,957
40$33,156,216$24,642,453$22,528,857$31,708,878
41$36,509,313$25,821,096$23,254,736$34,323,886
42$40,203,516$27,056,583$24,004,023$37,183,983
43$44,273,592$28,351,673$24,777,475$40,313,387
44$48,757,849$29,709,255$25,575,871$43,738,756
45$53,698,503$31,132,362$26,400,016$47,489,439
46$59,142,075$32,624,173$27,250,742$51,597,745
47$65,139,831$34,188,022$28,128,906$56,099,246
48$71,748,264$35,827,405$29,035,395$61,033,111
49$79,029,629$37,545,990$29,971,122$66,442,463
50$87,052,528$39,347,621$30,937,032$72,374,792
51$95,892,563$41,236,331$31,934,099$78,882,391
52$105,633,042$43,216,349$32,963,329$86,022,848
53$116,365,772$45,292,110$34,025,761$93,859,582
54$128,191,923$47,468,265$35,122,466$102,462,439
55$141,222,982$49,749,693$36,254,551$111,908,345
56$155,581,807$52,141,508$37,423,159$122,282,025
57$171,403,785$54,649,076$38,629,469$133,676,797
58$188,838,113$57,278,023$39,874,698$146,195,446
59$208,049,203$60,034,249$41,160,103$159,951,193
60$229,218,238$62,923,942$42,486,982$175,068,748
61$252,544,876$65,953,593$43,856,674$191,685,488
62$278,249,142$69,130,008$45,270,561$209,952,742
63$306,573,500$72,460,325$46,730,071$230,037,213
64$337,785,147$75,952,030$48,236,678$252,122,544
65$372,178,527$79,612,975$49,791,902$276,411,044
66$410,078,120$83,451,394$51,397,314$303,125,588
67$451,841,499$87,475,923$53,054,535$332,511,711
68$497,862,708$91,695,620$54,765,238$364,839,919
69$548,575,982$96,119,983$56,531,151$400,408,232
70$604,459,845$100,758,975$58,354,057$439,544,987
71$666,041,630$105,623,044$60,235,798$482,611,924
72$733,902,452$110,723,150$62,178,274$530,007,596
73$808,682,703$116,070,785$64,183,447$582,171,115
74$891,088,089$121,678,004$66,253,342$639,586,289
75$981,896,296$127,557,448$68,390,052$702,786,173
76$1,081,964,333$133,722,378$70,595,733$772,358,093
77$1,192,236,621$140,186,700$72,872,615$848,949,171
78$1,313,753,907$146,964,999$75,222,999$933,272,427
79$1,447,663,094$154,072,572$77,649,258$1,026,113,491
80$1,595,228,067$161,525,466$80,153,845$1,128,338,005
81$1,757,841,622$169,340,506$82,739,291$1,240,899,781
82$1,937,038,619$177,535,342$85,408,209$1,364,849,788
83$2,134,510,469$186,128,485$88,163,296$1,501,346,057
84$2,352,121,107$195,139,351$91,007,336$1,651,664,593
85$2,591,924,583$204,588,302$93,943,205$1,817,211,408
86$2,856,184,458$214,496,696$96,973,869$1,999,535,770
87$3,147,395,172$224,886,934$100,102,394$2,200,344,809
88$3,468,305,596$235,782,510$103,331,940$2,421,519,617
89$3,821,944,981$247,208,067$106,665,774$2,665,132,979
90$4,211,651,558$259,189,451$110,107,267$2,933,468,924
91$4,641,104,053$271,753,771$113,659,897$3,229,044,259
92$5,114,356,421$284,929,460$117,327,257$3,554,632,306
93$5,635,876,112$298,746,340$121,113,057$3,913,289,060
94$6,210,586,255$313,235,690$125,021,123$4,308,382,012
95$6,843,912,132$328,430,317$129,055,410$4,743,621,911
96$7,541,832,399$344,364,633$133,219,996$5,223,097,767
97$8,310,935,533$361,074,729$137,519,095$5,751,315,425
98$9,158,482,028$378,598,461$141,957,055$6,333,240,072
99$10,092,472,944$396,975,535$146,538,366$6,974,343,075
100$11,121,725,444$416,247,596$151,267,661$7,680,653,607