Can I retire at age 35 with 14,700,000?

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 $14,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$1,213,912$1,203,099$1,192,550$1,182,253$1,172,199$1,134,676
2 years$600,947$589,755$578,908$568,391$558,190$520,732
3 years$396,652$385,411$374,592$364,174$354,139$317,922
4 years$294,524$283,318$272,607$262,367$252,575$217,876
5 years$233,263$222,125$211,554$201,523$192,003$158,916
6 years$192,436$181,382$170,967$161,159$151,926$120,477
7 years$163,286$152,324$142,074$132,498$123,556$93,743
8 years$141,433$130,570$120,490$111,149$102,502$74,304
9 years$124,445$113,684$103,778$94,674$86,321$59,707
10 years$110,862$100,207$90,476$81,610$73,550$48,478
11 years$99,757$89,209$79,654$71,025$63,256$39,680
12 years$90,509$80,069$70,691$62,299$54,816$32,686
13 years$82,690$72,359$63,158$55,001$47,801$27,063
14 years$75,993$65,772$56,747$48,823$41,902$22,499
15 years$70,195$60,084$51,235$43,542$36,894$18,767
16 years$65,127$55,126$46,452$38,987$32,607$15,698
17 years$60,659$50,769$42,270$35,029$28,911$13,160
18 years$56,692$46,913$38,587$31,569$25,707$11,053
19 years$53,147$43,478$35,324$28,525$22,913$9,298
20 years$49,961$40,402$32,419$25,835$20,466$7,832
21 years$47,081$37,633$29,819$23,447$18,315$6,604
22 years$44,467$35,129$27,483$21,318$16,417$5,574
23 years$42,084$32,856$25,376$19,415$14,737$4,708
24 years$39,903$30,784$23,468$17,708$13,246$3,979
25 years$37,899$28,889$21,736$16,172$11,919$3,365
26 years$36,052$27,151$20,159$14,787$10,736$2,847
27 years$34,345$25,552$18,720$13,535$9,680$2,410
28 years$32,763$24,078$17,402$12,401$8,734$2,040
29 years$31,293$22,714$16,194$11,372$7,887$1,728
30 years$29,923$21,451$15,084$10,436$7,126$1,464
31 years$28,644$20,279$14,063$9,585$6,443$1,240
32 years$27,447$19,188$13,121$8,809$5,828$1,051
33 years$26,326$18,171$12,251$8,100$5,274$891
34 years$25,272$17,222$11,447$7,453$4,775$755
35 years$24,281$16,335$10,702$6,861$4,325$640
36 years$23,347$15,504$10,011$6,319$3,919$542
37 years$22,466$14,725$9,370$5,822$3,552$460
38 years$21,633$13,994$8,775$5,366$3,220$390
39 years$20,844$13,307$8,221$4,948$2,920$331
40 years$20,097$12,661$7,706$4,564$2,648$280
41 years$19,388$12,052$7,225$4,211$2,403$238
42 years$18,715$11,478$6,778$3,886$2,180$202
43 years$18,075$10,936$6,360$3,587$1,979$171
44 years$17,466$10,424$5,970$3,312$1,796$145
45 years$16,885$9,941$5,606$3,059$1,631$123
46 years$16,331$9,483$5,265$2,825$1,480$104
47 years$15,803$9,050$4,946$2,610$1,344$88
48 years$15,298$8,639$4,648$2,412$1,221$75
49 years$14,815$8,250$4,369$2,229$1,109$64
50 years$14,352$7,881$4,107$2,060$1,007$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $14,700,000, adding $3,447 every year, while hoping to spend $41,105 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: 33/42/25 Blend
34$14,700,000$14,700,000$14,700,000$14,700,000
35$16,202,956$15,423,856$15,196,006$16,613,854
36$17,811,922$16,135,889$15,661,336$17,635,870
37$19,583,625$16,881,435$16,140,878$18,732,628
38$21,534,620$17,662,091$16,635,063$19,913,842
39$23,683,151$18,479,533$17,144,338$21,187,001
40$26,049,321$19,335,518$17,669,161$22,560,309
41$28,655,280$20,231,887$18,210,007$24,042,752
42$31,525,438$21,170,569$18,767,362$25,644,186
43$34,686,693$22,153,588$19,341,728$27,375,412
44$38,168,685$23,183,062$19,933,625$29,248,277
45$42,004,073$24,261,215$20,543,584$31,275,776
46$46,228,850$25,390,376$21,172,156$33,472,166
47$50,882,676$26,572,988$21,819,906$35,853,091
48$56,009,255$27,811,609$22,487,418$38,435,724
49$61,656,745$29,108,924$23,175,293$41,238,917
50$67,878,218$30,467,746$23,884,150$44,283,367
51$74,732,154$31,891,024$24,614,627$47,591,807
52$82,282,998$33,381,848$25,367,382$51,189,205
53$90,601,765$34,943,460$26,143,090$55,102,988
54$99,766,712$36,579,257$26,942,451$59,363,293
55$109,864,076$38,292,800$27,766,183$64,003,236
56$120,988,888$40,087,824$28,615,026$69,059,212
57$133,245,869$41,968,242$29,489,744$74,571,226
58$146,750,420$43,938,158$30,391,123$80,583,256
59$161,629,710$46,001,874$31,319,972$87,143,652
60$178,023,875$48,163,901$32,277,126$94,305,581
61$196,087,345$50,428,967$33,263,444$102,127,507
62$215,990,298$52,802,030$34,279,813$110,673,730
63$237,920,266$55,288,287$35,327,145$120,014,975
64$262,083,908$57,893,188$36,406,379$130,229,039
65$288,708,959$60,622,446$37,518,485$141,401,508
66$318,046,378$63,482,052$38,664,460$153,626,542
67$350,372,721$66,478,284$39,845,331$167,007,746
68$385,992,748$69,617,729$41,062,159$181,659,125
69$425,242,300$72,907,290$42,316,034$197,706,135
70$468,491,474$76,354,206$43,608,079$215,286,844
71$516,148,108$79,966,066$44,939,454$234,553,210
72$568,661,640$83,750,829$46,311,351$255,672,491
73$626,527,344$87,716,836$47,724,998$278,828,792
74$690,291,011$91,872,839$49,181,663$304,224,775
75$760,554,094$96,228,008$50,682,649$332,083,546
76$837,979,394$100,791,963$52,229,300$362,650,723
77$923,297,311$105,574,788$53,823,001$396,196,725
78$1,017,312,743$110,587,058$55,465,177$433,019,288
79$1,120,912,680$115,839,861$57,157,298$473,446,240
80$1,235,074,583$121,344,824$58,900,877$517,838,559
81$1,360,875,607$127,114,138$60,697,473$566,593,737
82$1,499,502,774$133,160,585$62,548,693$620,149,493
83$1,652,264,174$139,497,571$64,456,192$678,987,862
84$1,820,601,319$146,139,151$66,421,673$743,639,697
85$2,006,102,748$153,100,064$68,446,893$814,689,634
86$2,210,519,025$160,395,764$70,533,661$892,781,560
87$2,435,779,267$168,042,458$72,683,841$978,624,640
88$2,684,009,354$176,057,140$74,899,351$1,072,999,954
89$2,957,551,999$184,457,631$77,182,170$1,176,767,816
90$3,258,988,865$193,262,617$79,534,335$1,290,875,835
91$3,591,164,938$202,491,694$81,957,943$1,416,367,792
92$3,957,215,385$212,165,410$84,455,158$1,554,393,437
93$4,360,595,154$222,305,315$87,028,206$1,706,219,264
94$4,805,111,590$232,934,005$89,679,380$1,873,240,402
95$5,294,960,377$244,075,176$92,411,045$2,056,993,704
96$5,834,765,154$255,753,678$95,225,633$2,259,172,181
97$6,429,621,160$267,995,570$98,125,653$2,481,640,896
98$7,085,143,344$280,828,177$101,113,687$2,726,454,488
99$7,807,519,365$294,280,159$104,192,396$2,995,876,478
100$8,603,568,021$308,381,567$107,364,522$3,292,400,537