Can I retire at age 35 with 19,500,000?

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 $19,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$1,610,292$1,595,948$1,581,954$1,568,295$1,554,957$1,533,620
2 years$797,174$782,328$767,939$753,988$740,456$718,997
3 years$526,170$511,260$496,907$483,087$469,776$448,862
4 years$390,695$375,830$361,621$348,037$335,048$314,840
5 years$309,431$294,655$280,633$267,326$254,698$235,255
6 years$255,273$240,608$226,793$213,783$201,534$182,879
7 years$216,603$202,062$188,466$175,763$163,901$146,041
8 years$187,615$173,205$159,834$147,443$135,972$118,904
9 years$165,080$150,806$137,665$125,589$114,508$98,224
10 years$147,062$132,928$120,020$108,259$97,566$82,056
11 years$132,330$118,338$105,663$94,217$83,910$69,157
12 years$120,063$106,214$93,774$82,641$72,715$58,703
13 years$109,690$95,986$83,780$72,960$63,409$50,119
14 years$100,807$87,249$75,277$64,766$55,584$42,995
15 years$93,116$79,703$67,965$57,760$48,940$37,032
16 years$86,392$73,126$61,620$51,717$43,254$32,003
17 years$80,466$67,347$56,072$46,468$38,352$27,735
18 years$75,204$62,231$51,187$41,877$34,101$24,095
19 years$70,501$57,675$46,859$37,839$30,395$20,975
20 years$66,274$53,595$43,005$34,271$27,149$18,292
21 years$62,455$49,921$39,556$31,103$24,295$15,977
22 years$58,987$46,600$36,457$28,280$21,777$13,973
23 years$55,826$43,584$33,662$25,755$19,549$12,234
24 years$52,932$40,835$31,131$23,490$17,571$10,723
25 years$50,274$38,322$28,834$21,452$15,811$9,406
26 years$47,824$36,016$26,742$19,615$14,242$8,257
27 years$45,560$33,896$24,832$17,954$12,840$7,253
28 years$43,461$31,940$23,085$16,450$11,586$6,375
29 years$41,511$30,131$21,482$15,085$10,462$5,606
30 years$39,694$28,456$20,010$13,844$9,453$4,932
31 years$37,997$26,900$18,655$12,715$8,546$4,341
32 years$36,410$25,453$17,405$11,685$7,731$3,822
33 years$34,922$24,105$16,251$10,745$6,996$3,366
34 years$33,524$22,846$15,184$9,887$6,334$2,965
35 years$32,209$21,669$14,196$9,101$5,737$2,612
36 years$30,971$20,567$13,280$8,382$5,198$2,302
37 years$29,801$19,534$12,430$7,723$4,711$2,029
38 years$28,696$18,564$11,640$7,118$4,271$1,789
39 years$27,651$17,653$10,906$6,564$3,873$1,577
40 years$26,660$16,795$10,222$6,054$3,513$1,391
41 years$25,719$15,987$9,585$5,585$3,187$1,227
42 years$24,826$15,226$8,991$5,155$2,892$1,082
43 years$23,977$14,507$8,437$4,758$2,625$954
44 years$23,169$13,828$7,919$4,394$2,383$842
45 years$22,399$13,186$7,436$4,058$2,163$743
46 years$21,664$12,579$6,984$3,748$1,964$655
47 years$20,963$12,005$6,561$3,463$1,783$578
48 years$20,293$11,460$6,166$3,200$1,619$510
49 years$19,652$10,944$5,796$2,957$1,471$450
50 years$19,039$10,454$5,449$2,733$1,336$397

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $19,500,000, adding $3,717 every year, while hoping to spend $20,462 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: 34/38/28 Blend
34$19,500,000$19,500,000$19,500,000$19,500,000
35$21,492,834$20,459,334$20,157,084$22,041,252
36$23,663,332$21,440,070$20,810,575$23,436,147
37$26,054,534$22,468,176$21,485,272$24,937,193
38$28,688,932$23,545,952$22,181,864$26,555,496
39$31,591,309$24,675,810$22,901,062$28,301,510
40$34,788,976$25,860,277$23,643,601$30,186,687
41$38,312,028$27,102,008$24,410,238$32,223,581
42$42,193,630$28,403,782$25,201,757$34,425,953
43$46,470,331$29,768,517$26,018,966$36,808,893
44$51,182,402$31,199,272$26,862,699$39,388,953
45$56,374,226$32,699,255$27,733,818$42,184,288
46$62,094,709$34,271,831$28,633,213$45,214,823
47$68,397,746$35,920,527$29,561,802$48,502,422
48$75,342,729$37,649,045$30,520,535$52,071,088
49$82,995,104$39,461,266$31,510,390$55,947,175
50$91,426,996$41,361,259$32,532,379$60,159,618
51$100,717,882$43,353,293$33,587,546$64,740,203
52$110,955,346$45,441,845$34,676,969$69,723,840
53$122,235,905$47,631,609$35,801,762$75,148,887
54$134,665,919$49,927,510$36,963,073$81,057,489
55$148,362,596$52,334,711$38,162,089$87,495,965
56$163,455,098$54,858,629$39,400,036$94,515,223
57$180,085,760$57,504,944$40,678,179$102,171,222
58$198,411,434$60,279,613$41,997,825$110,525,486
59$218,604,970$63,188,883$43,360,322$119,645,658
60$240,856,848$66,239,309$44,767,063$129,606,122
61$265,376,973$69,437,761$46,219,486$140,488,682
62$292,396,661$72,791,449$47,719,076$152,383,311
63$322,170,822$76,307,932$49,267,366$165,388,975
64$354,980,363$79,995,137$50,865,940$179,614,542
65$391,134,843$83,861,382$52,516,432$195,179,786
66$430,975,394$87,915,386$54,220,529$212,216,489
67$474,877,942$92,166,298$55,979,975$230,869,651
68$523,256,756$96,623,711$57,796,569$251,298,838
69$576,568,359$101,297,687$59,672,168$273,679,646
70$635,315,838$106,198,779$61,608,691$298,205,336
71$700,053,590$111,338,057$63,608,119$325,088,613
72$771,392,563$116,727,128$65,672,498$354,563,609
73$850,006,016$122,378,169$67,803,939$386,888,043
74$936,635,882$128,303,951$70,004,622$422,345,625
75$1,032,099,764$134,517,868$72,276,800$461,248,687
76$1,137,298,664$141,033,967$74,622,797$503,941,087
77$1,253,225,481$147,866,985$77,045,013$550,801,414
78$1,380,974,387$155,032,374$79,545,928$602,246,509
79$1,521,751,159$162,546,344$82,128,101$658,735,356
80$1,676,884,559$170,425,897$84,794,174$720,773,357
81$1,847,838,881$178,688,863$87,546,876$788,917,051
82$2,036,227,775$187,353,946$90,389,025$863,779,312
83$2,243,829,481$196,440,761$93,323,530$946,035,072
84$2,472,603,614$205,969,885$96,353,394$1,036,427,630
85$2,724,709,670$215,962,896$99,481,720$1,135,775,606
86$3,002,527,409$226,442,431$102,711,710$1,244,980,600
87$3,308,679,324$237,432,229$106,046,671$1,365,035,627
88$3,646,055,398$248,957,192$109,490,019$1,497,034,420
89$4,017,840,393$261,043,438$113,045,278$1,642,181,678
90$4,427,543,908$273,718,362$116,716,090$1,801,804,351
91$4,879,033,521$287,010,696$120,506,213$1,977,364,084
92$5,376,571,299$300,950,579$124,419,530$2,170,470,927
93$5,924,854,035$315,569,621$128,460,048$2,382,898,435
94$6,529,057,593$330,900,979$132,631,907$2,616,600,314
95$7,194,885,770$346,979,430$136,939,378$2,873,728,764
96$7,928,624,147$363,841,450$141,386,876$3,156,654,682
97$8,737,199,429$381,525,300$145,978,955$3,467,989,937
98$9,628,244,842$400,071,111$150,720,321$3,810,611,905
99$10,610,172,196$419,520,976$155,615,832$4,187,690,508
100$11,692,251,301$439,919,044$160,670,503$4,602,718,009