Can I retire at age 35 with 16,600,000?

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 $16,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,370,812$1,358,602$1,346,689$1,335,061$1,323,707$1,280,822
2 years$678,620$665,981$653,733$641,856$630,337$587,533
3 years$447,919$435,226$423,008$411,244$399,912$358,533
4 years$332,592$319,937$307,842$296,278$285,220$245,583
5 years$263,413$250,835$238,898$227,570$216,820$179,031
6 years$217,309$204,825$193,065$181,989$171,562$135,652
7 years$184,391$172,012$160,438$149,624$139,526$105,491
8 years$159,713$147,446$136,064$125,515$115,750$83,566
9 years$140,529$128,378$117,192$106,911$97,479$67,108
10 years$125,192$113,159$102,171$92,159$83,057$54,454
11 years$112,651$100,739$89,949$80,206$71,431$44,542
12 years$102,207$90,418$79,828$70,351$61,901$36,667
13 years$93,377$81,711$71,321$62,109$53,979$30,338
14 years$85,816$74,273$64,082$55,134$47,318$25,204
15 years$79,268$67,850$57,857$49,170$41,662$21,009
16 years$73,544$62,251$52,456$44,026$36,821$17,560
17 years$68,499$57,331$47,733$39,557$32,648$14,711
18 years$64,020$52,976$43,574$35,649$29,029$12,346
19 years$60,017$49,098$39,890$32,212$25,874$10,378
20 years$56,418$45,624$36,609$29,174$23,111$8,735
21 years$53,167$42,497$33,673$26,477$20,682$7,360
22 years$50,215$39,670$31,035$24,074$18,539$6,207
23 years$47,523$37,102$28,656$21,925$16,641$5,239
24 years$45,060$34,762$26,501$19,996$14,958$4,424
25 years$42,797$32,623$24,546$18,262$13,460$3,738
26 years$40,712$30,660$22,765$16,698$12,124$3,160
27 years$38,785$28,855$21,139$15,284$10,931$2,673
28 years$36,998$27,190$19,652$14,003$9,863$2,261
29 years$35,337$25,650$18,288$12,841$8,906$1,913
30 years$33,790$24,224$17,034$11,785$8,047$1,619
31 years$32,346$22,900$15,880$10,824$7,275$1,371
32 years$30,995$21,668$14,817$9,947$6,581$1,161
33 years$29,728$20,520$13,834$9,147$5,956$983
34 years$28,538$19,448$12,926$8,416$5,392$832
35 years$27,419$18,446$12,085$7,748$4,884$705
36 years$26,365$17,508$11,305$7,135$4,425$597
37 years$25,369$16,629$10,582$6,574$4,011$506
38 years$24,429$15,803$9,909$6,060$3,636$429
39 years$23,538$15,027$9,284$5,587$3,297$363
40 years$22,695$14,297$8,702$5,154$2,991$308
41 years$21,894$13,610$8,159$4,755$2,713$261
42 years$21,134$12,961$7,654$4,388$2,462$221
43 years$20,411$12,350$7,182$4,051$2,234$187
44 years$19,723$11,772$6,742$3,740$2,028$159
45 years$19,067$11,225$6,330$3,454$1,841$134
46 years$18,442$10,709$5,945$3,191$1,672$114
47 years$17,845$10,219$5,586$2,948$1,518$96
48 years$17,275$9,756$5,249$2,724$1,379$82
49 years$16,729$9,316$4,934$2,517$1,252$69
50 years$16,207$8,899$4,638$2,327$1,137$59

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $16,600,000, adding $5,143 every year, while hoping to spend $31,547 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: 63/16/21 Blend
34$16,600,000$16,600,000$16,600,000$16,600,000
35$18,298,505$17,418,705$17,161,405$19,351,681
36$20,131,387$18,238,656$17,702,746$20,882,364
37$22,150,165$19,097,727$18,261,165$22,549,388
38$24,373,768$19,997,802$18,837,201$24,369,321
39$26,823,054$20,940,855$19,431,408$26,357,097
40$29,521,006$21,928,958$20,044,361$28,529,145
41$32,492,953$22,964,281$20,676,651$30,903,541
42$35,766,803$24,049,100$21,328,888$33,500,177
43$39,373,313$25,185,802$22,001,702$36,340,941
44$43,346,373$26,376,888$22,695,741$39,449,924
45$47,723,330$27,624,982$23,411,675$42,853,640
46$52,545,339$28,932,836$24,150,195$46,581,274
47$57,857,750$30,303,332$24,912,014$50,664,948
48$63,710,541$31,739,495$25,697,867$55,140,028
49$70,158,782$33,244,497$26,508,511$60,045,443
50$77,263,162$34,821,661$27,344,730$65,424,054
51$85,090,556$36,474,474$28,207,330$71,323,053
52$93,714,661$38,206,591$29,097,144$77,794,396
53$103,216,688$40,021,845$30,015,029$84,895,296
54$113,686,130$41,924,255$30,961,873$92,688,751
55$125,221,607$43,918,036$31,938,588$101,244,136
56$137,931,797$46,007,606$32,946,116$110,637,845
57$151,936,460$48,197,599$33,985,431$120,954,015
58$167,367,571$50,492,873$35,057,535$132,285,301
59$184,370,564$52,898,524$36,163,463$144,733,754
60$203,105,704$55,419,895$37,304,282$158,411,767
61$223,749,603$58,062,586$38,481,092$173,443,135
62$246,496,883$60,832,474$39,695,030$189,964,208
63$271,562,018$63,735,718$40,947,266$208,125,176
64$299,181,354$66,778,778$42,239,009$228,091,470
65$329,615,342$69,968,429$43,571,507$250,045,320
66$363,150,999$73,311,773$44,946,044$274,187,460
67$400,104,611$76,816,261$46,363,946$300,739,015
68$440,824,727$80,489,702$47,826,584$329,943,575
69$485,695,441$84,340,290$49,335,367$362,069,485
70$535,140,027$88,376,615$50,891,752$397,412,362
71$589,624,925$92,607,684$52,497,241$436,297,877
72$649,664,152$97,042,946$54,153,383$479,084,814
73$715,824,150$101,692,305$55,861,777$526,168,440
74$788,729,138$106,566,153$57,624,071$577,984,227
75$869,066,999$111,675,383$59,441,966$635,011,942
76$957,595,777$117,031,421$61,317,216$697,780,164
77$1,055,150,835$122,646,249$63,251,632$766,871,257
78$1,162,652,738$128,532,433$65,247,079$842,926,845
79$1,281,115,946$134,703,151$67,305,485$926,653,859
80$1,411,658,388$141,172,221$69,428,834$1,018,831,182
81$1,555,512,021$147,954,137$71,619,177$1,120,316,991
82$1,714,034,455$155,064,098$73,878,628$1,232,056,830
83$1,888,721,775$162,518,044$76,209,367$1,355,092,519
84$2,081,222,659$170,332,691$78,613,644$1,490,571,964
85$2,293,353,947$178,525,571$81,093,778$1,639,759,973
86$2,527,117,795$187,115,068$83,652,165$1,804,050,164
87$2,784,720,570$196,120,466$86,291,272$1,984,978,106
88$3,068,593,685$205,561,987$89,013,647$2,184,235,778
89$3,381,416,555$215,460,838$91,821,918$2,403,687,519
90$3,726,141,886$225,839,261$94,718,795$2,645,387,598
91$4,106,023,557$236,720,584$97,707,073$2,911,599,576
92$4,524,647,338$248,129,270$100,789,638$3,204,817,641
93$4,985,964,739$260,090,978$103,969,464$3,527,790,122
94$5,494,330,322$272,632,615$107,249,621$3,883,545,399
95$6,054,542,806$285,782,404$110,633,273$4,275,420,455
96$6,671,890,372$299,569,942$114,123,689$4,707,092,341
97$7,352,200,593$314,026,272$117,724,235$5,182,612,848
98$8,101,895,445$329,183,950$121,438,388$5,706,446,716
99$8,928,051,938$345,077,122$125,269,732$6,283,513,742
100$9,838,468,934$361,741,599$129,221,966$6,919,235,174