Can I retire at age 35 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,475,467
2 years$776,734$762,268$748,248$734,655$721,470$681,824
3 years$512,679$498,150$484,166$470,701$457,730$419,298
4 years$380,677$366,193$352,349$339,113$326,457$289,535
5 years$301,497$287,100$273,437$260,471$248,167$212,857
6 years$248,727$234,439$220,978$208,301$196,366$162,702
7 years$211,050$196,881$183,634$171,256$159,698$127,682
8 years$182,804$168,764$155,736$143,662$132,485$102,102
9 years$160,847$146,939$134,135$122,368$111,572$82,794
10 years$143,292$129,520$116,942$105,483$95,065$67,858
11 years$128,937$115,304$102,954$91,802$81,759$56,081
12 years$116,984$103,490$91,369$80,522$70,850$46,656
13 years$106,878$93,525$81,632$71,089$61,783$39,023
14 years$98,223$85,012$73,347$63,105$54,159$32,780
15 years$90,728$77,660$66,222$56,279$47,686$27,634
16 years$84,177$71,251$60,040$50,391$42,145$23,365
17 years$78,403$65,620$54,634$45,276$37,368$19,803
18 years$73,276$60,636$49,874$40,803$33,226$16,819
19 years$68,694$56,197$45,657$36,869$29,615$14,309
20 years$64,575$52,221$41,902$33,392$26,453$12,192
21 years$60,853$48,641$38,542$30,305$23,672$10,400
22 years$57,475$45,405$35,522$27,554$21,219$8,881
23 years$54,394$42,466$32,798$25,094$19,047$7,590
24 years$51,575$39,788$30,333$22,888$17,120$6,492
25 years$48,985$37,339$28,094$20,902$15,406$5,557
26 years$46,598$35,093$26,056$19,112$13,877$4,758
27 years$44,392$33,026$24,195$17,494$12,511$4,077
28 years$42,347$31,121$22,493$16,028$11,289$3,494
29 years$40,446$29,359$20,931$14,698$10,194$2,996
30 years$38,676$27,726$19,497$13,489$9,211$2,569
31 years$37,023$26,211$18,176$12,389$8,327$2,204
32 years$35,476$24,800$16,959$11,385$7,533$1,891
33 years$34,026$23,486$15,835$10,470$6,817$1,623
34 years$32,665$22,260$14,795$9,633$6,172$1,393
35 years$31,384$21,113$13,832$8,868$5,590$1,196
36 years$30,176$20,039$12,940$8,167$5,065$1,026
37 years$29,037$19,033$12,111$7,525$4,591$881
38 years$27,961$18,088$11,342$6,936$4,162$757
39 years$26,942$17,200$10,626$6,395$3,774$650
40 years$25,976$16,364$9,960$5,899$3,423$558
41 years$25,060$15,577$9,339$5,442$3,106$479
42 years$24,190$14,835$8,760$5,023$2,818$412
43 years$23,362$14,135$8,220$4,636$2,558$354
44 years$22,575$13,474$7,716$4,281$2,321$304
45 years$21,824$12,848$7,245$3,954$2,107$261
46 years$21,108$12,257$6,805$3,652$1,913$224
47 years$20,425$11,697$6,393$3,374$1,738$192
48 years$19,772$11,166$6,008$3,118$1,578$165
49 years$19,148$10,663$5,647$2,881$1,433$142
50 years$18,551$10,186$5,309$2,663$1,302$122

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $19,000,000, adding $4,587 every year, while hoping to spend $37,255 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: 52/23/25 Blend
34$19,000,000$19,000,000$19,000,000$19,000,000
35$20,942,731$19,935,731$19,641,231$21,885,376
36$23,039,251$20,872,943$20,259,574$23,475,876
37$25,348,367$21,854,830$20,897,382$25,200,876
38$27,891,725$22,883,541$21,555,268$27,076,594
39$30,693,177$23,961,330$22,233,866$29,117,405
40$33,779,006$25,090,561$22,933,826$31,339,110
41$37,178,177$26,273,710$23,655,821$33,759,078
42$40,922,604$27,513,376$24,400,545$36,396,403
43$45,047,460$28,812,281$25,168,713$39,272,081
44$49,591,499$30,173,281$25,961,063$42,409,203
45$54,597,431$31,599,370$26,778,357$45,833,158
46$60,112,316$33,093,687$27,621,379$49,571,878
47$66,188,017$34,659,523$28,490,941$53,656,084
48$72,881,683$36,300,328$29,387,876$58,119,573
49$80,256,292$38,019,721$30,313,046$62,999,529
50$88,381,242$39,821,496$31,267,342$68,336,867
51$97,333,010$41,709,630$32,251,679$74,176,606
52$107,195,869$43,688,294$33,267,002$80,568,290
53$118,062,690$45,761,862$34,314,289$87,566,444
54$130,035,810$47,934,920$35,394,543$95,231,079
55$143,228,007$50,212,275$36,508,805$103,628,249
56$157,763,557$52,598,969$37,658,143$112,830,662
57$173,779,411$55,100,290$38,843,662$122,918,358
58$191,426,487$57,721,781$40,066,501$133,979,451
59$210,871,095$60,469,255$41,327,835$146,110,949
60$232,296,505$63,348,806$42,628,876$159,419,656
61$255,904,678$66,366,827$43,970,873$174,023,171
62$281,918,174$69,530,020$45,355,115$190,050,979
63$310,582,249$72,845,413$46,782,933$207,645,662
64$342,167,176$76,320,375$48,255,699$226,964,227
65$376,970,789$79,962,635$49,774,826$248,179,579
66$415,321,302$83,780,296$51,341,775$271,482,127
67$457,580,401$87,781,857$52,958,051$297,081,573
68$504,146,662$91,976,228$54,625,206$325,208,868
69$555,459,313$96,372,755$56,344,842$356,118,376
70$612,002,380$100,981,237$58,118,611$390,090,254
71$674,309,256$105,811,951$59,948,218$427,433,077
72$742,967,736$110,875,672$61,835,419$468,486,731
73$818,625,568$116,183,703$63,782,028$513,625,595
74$901,996,564$121,747,893$65,789,914$563,262,057
75$993,867,345$127,580,671$67,861,008$617,850,377
76$1,095,104,760$133,695,069$69,997,297$677,890,954
77$1,206,664,074$140,104,756$72,200,835$743,935,022
78$1,329,597,985$146,824,065$74,473,739$816,589,823
79$1,465,066,561$153,868,026$76,818,191$896,524,314
80$1,614,348,194$161,252,403$79,236,444$984,475,450
81$1,778,851,666$168,993,727$81,730,821$1,081,255,109
82$1,960,129,451$177,109,335$84,303,719$1,187,757,723
83$2,159,892,370$185,617,407$86,957,608$1,304,968,685
84$2,380,025,743$194,537,011$89,695,039$1,433,973,619
85$2,622,607,186$203,888,142$92,518,640$1,575,968,587
86$2,889,926,230$213,691,772$95,431,125$1,732,271,342
87$3,184,505,929$223,969,892$98,435,292$1,904,333,724
88$3,509,126,685$234,745,568$101,534,025$2,093,755,326
89$3,866,852,494$246,042,988$104,730,302$2,302,298,545
90$4,261,059,875$257,887,521$108,027,194$2,531,905,177
91$4,695,469,744$270,305,771$111,427,867$2,784,714,693
92$5,174,182,545$283,325,641$114,935,587$3,063,084,388
93$5,701,716,961$296,976,394$118,553,726$3,369,611,578
94$6,283,052,573$311,288,719$122,285,757$3,707,158,067
95$6,923,676,872$326,294,803$126,135,267$4,078,877,099
96$7,629,637,068$342,028,403$130,105,953$4,488,243,067
97$8,407,597,175$358,524,922$134,201,629$4,939,084,246
98$9,264,900,934$375,821,489$138,426,230$5,435,618,868
99$10,209,641,134$393,957,047$142,783,814$5,982,494,870
100$11,250,736,024$412,972,437$147,278,567$6,584,833,701