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%16.3%
1 years$1,213,912$1,203,099$1,192,550$1,182,253$1,172,199$1,142,008
2 years$600,947$589,755$578,908$568,391$558,190$527,974
3 years$396,652$385,411$374,592$364,174$354,139$324,843
4 years$294,524$283,318$272,607$262,367$252,575$224,424
5 years$233,263$222,125$211,554$201,523$192,003$165,077
6 years$192,436$181,382$170,967$161,159$151,926$126,249
7 years$163,286$152,324$142,074$132,498$123,556$99,131
8 years$141,433$130,570$120,490$111,149$102,502$79,318
9 years$124,445$113,684$103,778$94,674$86,321$64,357
10 years$110,862$100,207$90,476$81,610$73,550$52,780
11 years$99,757$89,209$79,654$71,025$63,256$43,648
12 years$90,509$80,069$70,691$62,299$54,816$36,336
13 years$82,690$72,359$63,158$55,001$47,801$30,412
14 years$75,993$65,772$56,747$48,823$41,902$25,564
15 years$70,195$60,084$51,235$43,542$36,894$21,566
16 years$65,127$55,126$46,452$38,987$32,607$18,247
17 years$60,659$50,769$42,270$35,029$28,911$15,477
18 years$56,692$46,913$38,587$31,569$25,707$13,155
19 years$53,147$43,478$35,324$28,525$22,913$11,200
20 years$49,961$40,402$32,419$25,835$20,466$9,550
21 years$47,081$37,633$29,819$23,447$18,315$8,153
22 years$44,467$35,129$27,483$21,318$16,417$6,967
23 years$42,084$32,856$25,376$19,415$14,737$5,959
24 years$39,903$30,784$23,468$17,708$13,246$5,101
25 years$37,899$28,889$21,736$16,172$11,919$4,370
26 years$36,052$27,151$20,159$14,787$10,736$3,745
27 years$34,345$25,552$18,720$13,535$9,680$3,211
28 years$32,763$24,078$17,402$12,401$8,734$2,754
29 years$31,293$22,714$16,194$11,372$7,887$2,363
30 years$29,923$21,451$15,084$10,436$7,126$2,028
31 years$28,644$20,279$14,063$9,585$6,443$1,742
32 years$27,447$19,188$13,121$8,809$5,828$1,495
33 years$26,326$18,171$12,251$8,100$5,274$1,284
34 years$25,272$17,222$11,447$7,453$4,775$1,103
35 years$24,281$16,335$10,702$6,861$4,325$948
36 years$23,347$15,504$10,011$6,319$3,919$814
37 years$22,466$14,725$9,370$5,822$3,552$700
38 years$21,633$13,994$8,775$5,366$3,220$601
39 years$20,844$13,307$8,221$4,948$2,920$517
40 years$20,097$12,661$7,706$4,564$2,648$444
41 years$19,388$12,052$7,225$4,211$2,403$382
42 years$18,715$11,478$6,778$3,886$2,180$328
43 years$18,075$10,936$6,360$3,587$1,979$282
44 years$17,466$10,424$5,970$3,312$1,796$243
45 years$16,885$9,941$5,606$3,059$1,631$209
46 years$16,331$9,483$5,265$2,825$1,480$179
47 years$15,803$9,050$4,946$2,610$1,344$154
48 years$15,298$8,639$4,648$2,412$1,221$133
49 years$14,815$8,250$4,369$2,229$1,109$114
50 years$14,352$7,881$4,107$2,060$1,007$98

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 $2,816 every year, while hoping to spend $21,333 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: 43/39/18 Blend
34$14,700,000$14,700,000$14,700,000$14,700,000
35$16,202,305$15,423,205$15,195,355$16,814,003
36$17,832,242$16,156,244$15,681,701$17,978,500
37$19,627,717$16,924,486$16,183,625$19,237,022
38$21,605,594$17,729,636$16,701,626$20,600,068
39$23,784,453$18,573,476$17,236,219$22,077,268
40$26,184,771$19,457,881$17,787,936$23,679,192
41$28,829,112$20,384,811$18,357,326$25,417,435
42$31,742,341$21,356,326$18,944,956$27,304,729
43$34,951,858$22,374,585$19,551,410$29,355,049
44$38,487,858$23,441,849$20,177,293$31,583,740
45$42,383,613$24,560,494$20,823,226$34,007,657
46$46,675,790$25,733,006$21,489,852$36,645,313
47$51,404,793$26,961,997$22,177,836$39,517,044
48$56,615,150$28,250,203$22,887,861$42,645,197
49$62,355,926$29,600,493$23,620,635$46,054,327
50$68,681,191$31,015,877$24,376,886$49,771,425
51$75,650,529$32,499,512$25,157,369$53,826,154
52$83,329,601$34,054,706$25,962,858$58,251,129
53$91,790,764$35,684,931$26,794,158$63,082,204
54$101,113,754$37,393,825$27,652,095$68,358,807
55$111,386,440$39,185,205$28,537,523$74,124,296
56$122,705,651$41,063,074$29,451,323$80,426,356
57$135,178,091$43,031,629$30,394,407$87,317,436
58$148,921,350$45,095,272$31,367,713$94,855,232
59$164,065,006$47,258,618$32,372,210$103,103,215
60$180,751,856$49,526,510$33,408,898$112,131,219
61$199,139,259$51,904,023$34,478,811$122,016,078
62$219,400,626$54,396,482$35,583,012$132,842,341
63$241,727,050$57,009,470$36,722,604$144,703,048
64$266,329,117$59,748,843$37,898,719$157,700,596
65$293,438,892$62,620,741$39,112,531$171,947,679
66$323,312,106$65,631,604$40,365,248$187,568,338
67$356,230,575$68,788,187$41,658,118$204,699,111
68$392,504,858$72,097,572$42,992,429$223,490,297
69$432,477,189$75,567,188$44,369,511$244,107,351
70$476,524,707$79,204,826$45,790,735$266,732,430
71$525,063,021$83,018,656$47,257,518$291,566,078
72$578,550,125$87,017,246$48,771,321$318,829,100
73$637,490,730$91,209,583$50,333,652$348,764,613
74$702,441,024$95,605,093$51,946,070$381,640,320
75$774,013,925$100,213,659$53,610,179$417,751,000
76$852,884,866$105,045,648$55,327,640$457,421,264
77$939,798,170$110,111,933$57,100,164$501,008,583
78$1,035,574,081$115,423,915$58,929,517$548,906,632
79$1,141,116,504$120,993,554$60,817,524$601,548,967
80$1,257,421,542$126,833,393$62,766,065$659,413,083
81$1,385,586,895$132,956,585$64,777,084$723,024,879
82$1,526,822,227$139,376,926$66,852,585$792,963,584
83$1,682,460,586$146,108,887$68,994,637$869,867,180
84$1,853,970,985$153,167,642$71,205,377$954,438,381
85$2,042,972,276$160,569,107$73,487,009$1,047,451,217
86$2,251,248,432$168,329,977$75,841,807$1,149,758,294
87$2,480,765,384$176,467,758$78,272,119$1,262,298,788
88$2,733,689,588$185,000,813$80,780,370$1,386,107,260
89$3,012,408,474$193,948,401$83,369,061$1,522,323,361
90$3,319,552,987$203,330,721$86,040,773$1,672,202,534
91$3,658,022,424$213,168,959$88,798,171$1,837,127,805
92$4,031,011,807$223,485,333$91,644,005$2,018,622,768
93$4,442,042,047$234,303,150$94,581,115$2,218,365,905
94$4,894,993,182$245,646,851$97,612,429$2,438,206,356
95$5,394,141,013$257,542,073$100,740,972$2,680,181,303
96$5,944,197,467$270,015,705$103,969,864$2,946,535,120
97$6,550,355,082$283,095,948$107,302,328$3,239,740,481
98$7,218,336,032$296,812,381$110,741,688$3,562,521,615
99$7,954,446,148$311,196,028$114,291,375$3,917,879,934
100$8,765,634,450$326,279,429$117,954,932$4,309,122,273