Can I retire at age 35 with 18,700,000?

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 $18,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$1,544,229$1,530,473$1,517,053$1,503,955$1,491,164$1,437,113
2 years$764,470$750,232$736,434$723,055$710,078$656,216
3 years$504,584$490,285$476,521$463,268$450,503$398,523
4 years$374,667$360,411$346,785$333,759$321,302$271,601
5 years$296,736$282,567$269,120$256,359$244,249$196,957
6 years$244,800$230,737$217,489$205,012$193,266$148,417
7 years$207,717$193,773$180,734$168,552$157,177$114,761
8 years$179,918$166,099$153,277$141,394$130,393$90,373
9 years$158,307$144,619$132,017$120,436$109,810$72,132
10 years$141,029$127,475$115,096$103,817$93,564$58,162
11 years$126,902$113,483$101,328$90,352$80,468$47,268
12 years$115,137$101,856$89,926$79,251$69,732$38,653
13 years$105,190$92,048$80,343$69,967$60,807$31,763
14 years$96,672$83,669$72,189$62,109$53,303$26,205
15 years$89,296$76,434$65,177$55,390$46,933$21,689
16 years$82,848$70,126$59,092$49,596$41,479$17,998
17 years$77,165$64,584$53,772$44,561$36,778$14,967
18 years$72,119$59,678$49,087$40,159$32,702$12,468
19 years$67,609$55,309$44,936$36,287$29,148$10,401
20 years$63,555$51,396$41,240$32,865$26,035$8,688
21 years$59,893$47,873$37,933$29,827$23,299$7,264
22 years$56,567$44,688$34,961$27,119$20,884$6,078
23 years$53,535$41,796$32,281$24,698$18,747$5,090
24 years$50,760$39,160$29,854$22,526$16,850$4,264
25 years$48,211$36,750$27,651$20,572$15,162$3,575
26 years$45,862$34,539$25,645$18,810$13,658$2,998
27 years$43,691$32,505$23,813$17,217$12,314$2,515
28 years$41,678$30,629$22,138$15,775$11,111$2,110
29 years$39,808$28,895$20,601$14,466$10,033$1,771
30 years$38,065$27,288$19,189$13,276$9,065$1,487
31 years$36,438$25,797$17,889$12,193$8,196$1,248
32 years$34,916$24,409$16,691$11,206$7,414$1,048
33 years$33,489$23,116$15,585$10,305$6,709$880
34 years$32,149$21,908$14,561$9,481$6,075$739
35 years$30,888$20,780$13,614$8,728$5,502$621
36 years$29,700$19,723$12,735$8,038$4,985$522
37 years$28,579$18,732$11,920$7,406$4,518$438
38 years$27,519$17,802$11,163$6,826$4,096$368
39 years$26,516$16,928$10,458$6,294$3,714$309
40 years$25,566$16,106$9,802$5,806$3,369$260
41 years$24,664$15,331$9,192$5,356$3,057$218
42 years$23,808$14,601$8,622$4,943$2,774$183
43 years$22,993$13,912$8,091$4,563$2,517$154
44 years$22,218$13,261$7,594$4,213$2,285$130
45 years$21,480$12,645$7,131$3,891$2,074$109
46 years$20,775$12,063$6,698$3,594$1,883$91
47 years$20,103$11,512$6,292$3,321$1,710$77
48 years$19,460$10,990$5,913$3,068$1,553$65
49 years$18,846$10,495$5,558$2,836$1,410$54
50 years$18,258$10,025$5,225$2,621$1,281$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,700,000, adding $2,405 every year, while hoping to spend $27,311 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: 35/45/20 Blend
34$18,700,000$18,700,000$18,700,000$18,700,000
35$20,609,881$19,618,781$19,328,931$21,205,407
36$22,683,030$20,551,042$19,947,391$22,574,963
37$24,966,725$21,528,069$20,585,655$24,048,978
38$27,482,413$22,552,027$21,244,356$25,638,852
39$30,253,727$23,625,184$21,924,150$27,354,908
40$33,306,710$24,749,921$22,625,712$29,208,453
41$36,670,061$25,928,734$23,349,740$31,211,880
42$40,375,406$27,164,240$24,096,955$33,378,770
43$44,457,593$28,459,183$24,868,098$35,724,014
44$48,955,025$29,816,442$25,663,938$38,263,941
45$53,910,023$31,239,033$26,485,265$41,016,461
46$59,369,221$32,730,120$27,332,896$44,001,225
47$65,384,008$34,293,023$28,207,675$47,239,794
48$72,011,016$35,931,220$29,110,472$50,755,833
49$79,312,651$37,648,362$30,042,184$54,575,321
50$87,357,683$39,448,273$31,003,739$58,726,779
51$96,221,895$41,334,967$31,996,092$63,241,530
52$105,988,799$43,312,651$33,020,232$68,153,975
53$116,750,424$45,385,738$34,077,177$73,501,902
54$128,608,184$47,558,856$35,167,979$79,326,829
55$141,673,835$49,836,857$36,293,724$85,674,375
56$156,070,533$52,224,829$37,455,530$92,594,676
57$171,933,993$54,728,111$38,654,555$100,142,834
58$189,413,769$57,352,297$39,891,992$108,379,423
59$208,674,672$60,103,258$41,169,072$117,371,033
60$229,898,318$62,987,148$42,487,066$127,190,883
61$253,284,850$66,010,421$43,847,286$137,919,486
62$279,054,820$69,179,847$45,251,085$149,645,385
63$307,451,278$72,502,526$46,699,862$162,465,963
64$338,742,059$75,985,900$48,195,059$176,488,338
65$373,222,318$79,637,779$49,738,163$191,830,343
66$411,217,314$83,466,349$51,330,710$208,621,615
67$453,085,478$87,480,199$52,974,288$227,004,780
68$499,221,802$91,688,333$54,670,531$247,136,778
69$550,061,560$96,100,196$56,421,128$269,190,301
70$606,084,427$100,725,694$58,227,824$293,355,394
71$667,818,999$105,575,213$60,092,416$319,841,215
72$735,847,787$110,659,648$62,016,762$348,877,963
73$810,812,716$115,990,426$64,002,778$380,719,019
74$893,421,183$121,579,527$66,052,442$415,643,292
75$984,452,740$127,439,520$68,167,795$453,957,808
76$1,084,766,448$133,583,584$70,350,944$496,000,565
77$1,195,308,988$140,025,543$72,604,064$542,143,674
78$1,317,123,604$146,779,893$74,929,398$592,796,819
79$1,451,359,942$153,861,839$77,329,264$648,411,077
80$1,599,284,914$161,287,327$79,806,052$709,483,116
81$1,762,294,650$169,073,081$82,362,230$776,559,829
82$1,941,927,683$177,236,641$85,000,343$850,243,434
83$2,139,879,474$185,796,403$87,723,022$931,197,099
84$2,358,018,415$194,771,661$90,532,977$1,020,151,131
85$2,598,403,472$204,182,651$93,433,011$1,117,909,803
86$2,863,303,620$214,050,595$96,426,011$1,225,358,876
87$3,155,219,269$224,397,754$99,514,961$1,343,473,882
88$3,476,905,861$235,247,471$102,702,940$1,473,329,252
89$3,831,399,895$246,624,232$105,993,124$1,616,108,378
90$4,222,047,583$258,553,719$109,388,793$1,773,114,695
91$4,652,536,450$271,062,864$112,893,330$1,945,783,896
92$5,126,930,141$284,179,918$116,510,231$2,135,697,387
93$5,649,706,791$297,934,510$120,243,099$2,344,597,114
94$6,225,801,297$312,357,714$124,095,656$2,574,401,908
95$6,860,651,912$327,482,124$128,071,743$2,827,225,482
96$7,560,251,584$343,341,926$132,175,323$3,105,396,272
97$8,331,204,538$359,972,972$136,410,489$3,411,479,300
98$9,180,788,623$377,412,870$140,781,462$3,748,300,256
99$10,117,024,023$395,701,061$145,292,602$4,118,972,047
100$11,148,748,975$414,878,914$149,948,406$4,526,924,038