Can I retire at age 35 with 18,800,000?

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 $18,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$1,552,486$1,538,658$1,525,166$1,511,997$1,499,138$1,485,337
2 years$768,558$754,244$740,372$726,922$713,875$699,971
3 years$507,282$492,907$479,070$465,746$452,912$439,334
4 years$376,670$362,339$348,640$335,544$323,021$309,874
5 years$298,323$284,078$270,559$257,730$245,555$232,879
6 years$246,109$231,971$218,652$206,108$194,299$182,110
7 years$208,828$194,809$181,701$169,453$158,017$146,319
8 years$180,880$166,987$154,097$142,150$131,091$119,884
9 years$159,154$145,392$132,723$121,080$110,397$99,678
10 years$141,783$128,156$115,711$104,372$94,064$83,826
11 years$127,580$114,090$101,870$90,835$80,898$71,133
12 years$115,753$102,401$90,407$79,675$70,105$60,803
13 years$105,753$92,541$80,773$70,341$61,133$52,284
14 years$97,189$84,117$72,575$62,441$53,589$45,182
15 years$89,773$76,842$65,525$55,686$47,184$39,206
16 years$83,291$70,501$59,408$49,861$41,701$34,140
17 years$77,577$64,929$54,059$44,800$36,975$29,817
18 years$72,504$59,997$49,349$40,373$32,876$26,108
19 years$67,971$55,605$45,177$36,481$29,303$22,910
20 years$63,895$51,671$41,461$33,040$26,174$20,142
21 years$60,213$48,129$38,136$29,986$23,423$17,737
22 years$56,870$44,927$35,148$27,264$20,996$15,642
23 years$53,822$42,019$32,453$24,830$18,847$13,812
24 years$51,032$39,369$30,014$22,647$16,940$12,209
25 years$48,469$36,946$27,799$20,682$15,243$10,802
26 years$46,108$34,723$25,782$18,911$13,731$9,566
27 years$43,925$32,679$23,941$17,309$12,379$8,477
28 years$41,901$30,793$22,256$15,859$11,170$7,517
29 years$40,021$29,050$20,711$14,543$10,086$6,669
30 years$38,269$27,434$19,292$13,347$9,114$5,921
31 years$36,633$25,935$17,985$12,258$8,240$5,258
32 years$35,103$24,539$16,780$11,266$7,453$4,672
33 years$33,668$23,239$15,668$10,360$6,745$4,152
34 years$32,321$22,026$14,639$9,532$6,107$3,691
35 years$31,053$20,891$13,687$8,775$5,531$3,283
36 years$29,859$19,828$12,804$8,081$5,012$2,920
37 years$28,732$18,833$11,984$7,446$4,542$2,598
38 years$27,666$17,898$11,222$6,863$4,118$2,312
39 years$26,658$17,019$10,514$6,328$3,734$2,058
40 years$25,703$16,192$9,855$5,837$3,387$1,832
41 years$24,796$15,413$9,241$5,385$3,073$1,631
42 years$23,935$14,679$8,668$4,970$2,788$1,452
43 years$23,116$13,986$8,134$4,588$2,531$1,293
44 years$22,337$13,332$7,635$4,236$2,297$1,151
45 years$21,594$12,713$7,169$3,912$2,085$1,026
46 years$20,886$12,128$6,733$3,614$1,893$913
47 years$20,210$11,574$6,326$3,338$1,719$814
48 years$19,564$11,049$5,945$3,085$1,561$725
49 years$18,946$10,551$5,588$2,851$1,418$646
50 years$18,355$10,079$5,253$2,635$1,288$575

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,800,000, adding $6,111 every year, while hoping to spend $26,432 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: 76/7/17 Blend
34$18,800,000$18,800,000$18,800,000$18,800,000
35$20,723,903$19,727,503$19,436,103$22,219,554
36$22,809,618$20,666,028$20,059,090$24,147,736
37$25,107,190$21,649,654$20,702,060$26,257,270
38$27,638,200$22,680,564$21,365,656$28,569,411
39$30,426,431$23,761,046$22,050,539$31,104,362
40$33,498,089$24,893,499$22,757,394$33,884,368
41$36,882,053$26,080,439$23,486,926$36,933,925
42$40,610,147$27,324,506$24,239,863$40,280,007
43$44,717,440$28,628,464$25,016,956$43,952,320
44$49,242,575$29,995,216$25,818,981$47,983,579
45$54,228,140$31,427,803$26,646,738$52,409,815
46$59,721,060$32,929,415$27,501,054$57,270,710
47$65,773,051$34,503,399$28,382,782$62,609,970
48$72,441,098$36,153,262$29,292,802$68,475,737
49$79,788,001$37,882,683$30,232,021$74,921,034
50$87,882,963$39,695,519$31,201,379$82,004,269
51$96,802,243$41,595,818$32,201,843$89,789,778
52$106,629,878$43,587,820$33,234,412$98,348,432
53$117,458,478$45,675,975$34,300,117$107,758,299
54$129,390,094$47,864,948$35,400,022$118,105,380
55$142,537,186$50,159,634$36,535,225$129,484,415
56$157,023,685$52,565,162$37,706,861$141,999,774
57$172,986,159$55,086,913$38,916,099$155,766,438
58$190,575,107$57,730,531$40,164,148$170,911,077
59$209,956,374$60,501,934$41,452,254$187,573,246
60$231,312,724$63,407,328$42,781,703$205,906,693
61$254,845,555$66,453,221$44,153,824$226,080,807
62$280,776,812$69,646,439$45,569,988$248,282,211
63$309,351,074$72,994,141$47,031,609$272,716,519
64$340,837,863$76,503,833$48,540,147$299,610,271
65$375,534,193$80,183,390$50,097,111$329,213,065
66$413,767,372$84,041,067$51,704,055$361,799,907
67$455,898,088$88,085,523$53,362,585$397,673,799
68$502,323,821$92,325,842$55,074,359$437,168,596
69$553,482,588$96,771,546$56,841,088$480,652,148
70$609,857,084$101,432,624$58,664,537$528,529,763
71$671,979,236$106,319,552$60,546,528$581,248,032
72$740,435,225$111,443,316$62,488,943$639,299,029
73$815,871,019$116,815,439$64,493,723$703,224,955
74$898,998,472$122,448,006$66,562,873$773,623,240
75$990,602,048$128,353,689$68,698,460$851,152,182
76$1,091,546,218$134,545,781$70,902,620$936,537,146
77$1,202,783,631$141,038,223$73,177,557$1,030,577,405
78$1,325,364,100$147,845,635$75,525,544$1,134,153,671
79$1,460,444,519$154,983,351$77,948,930$1,248,236,405
80$1,609,299,778$162,467,454$80,450,137$1,373,894,960
81$1,773,334,806$170,314,810$83,031,668$1,512,307,671
82$1,954,097,830$178,543,110$85,696,103$1,664,772,961
83$2,153,294,994$187,170,907$88,446,107$1,832,721,589
84$2,372,806,462$196,217,660$91,284,430$2,017,730,146
85$2,614,704,174$205,703,779$94,213,912$2,221,535,920
86$2,881,271,404$215,650,668$97,237,482$2,446,053,283
87$3,175,024,315$226,080,778$100,358,165$2,693,391,754
88$3,498,735,714$237,017,655$103,579,083$2,965,875,892
89$3,855,461,231$248,485,995$106,903,457$3,266,067,229
90$4,248,568,168$260,511,700$110,334,614$3,596,788,432
91$4,681,767,283$273,121,936$113,875,986$3,961,149,936
92$5,159,147,831$286,345,196$117,531,116$4,362,579,287
93$5,685,216,164$300,211,364$121,303,663$4,804,853,484
94$6,264,938,278$314,751,786$125,197,400$5,292,134,611
95$6,903,786,694$329,999,335$129,216,224$5,829,009,115
96$7,607,792,126$345,988,492$133,364,158$6,420,531,079
97$8,383,600,418$362,755,423$137,645,352$7,072,269,912
98$9,238,535,280$380,338,058$142,064,090$7,790,362,910
99$10,180,667,438$398,776,183$146,624,797$8,581,573,165
100$11,218,890,825$418,111,524$151,332,036$9,453,353,391