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%12.3%
1 years$1,370,812$1,358,602$1,346,689$1,335,061$1,323,707$1,310,975
2 years$678,620$665,981$653,733$641,856$630,337$617,510
3 years$447,919$435,226$423,008$411,244$399,912$387,389
4 years$332,592$319,937$307,842$296,278$285,220$273,098
5 years$263,413$250,835$238,898$227,570$216,820$205,134
6 years$217,309$204,825$193,065$181,989$171,562$160,327
7 years$184,391$172,012$160,438$149,624$139,526$128,746
8 years$159,713$147,446$136,064$125,515$115,750$105,425
9 years$140,529$128,378$117,192$106,911$97,479$87,605
10 years$125,192$113,159$102,171$92,159$83,057$73,628
11 years$112,651$100,739$89,949$80,206$71,431$62,441
12 years$102,207$90,418$79,828$70,351$61,901$53,340
13 years$93,377$81,711$71,321$62,109$53,979$45,837
14 years$85,816$74,273$64,082$55,134$47,318$39,584
15 years$79,268$67,850$57,857$49,170$41,662$34,326
16 years$73,544$62,251$52,456$44,026$36,821$29,870
17 years$68,499$57,331$47,733$39,557$32,648$26,069
18 years$64,020$52,976$43,574$35,649$29,029$22,810
19 years$60,017$49,098$39,890$32,212$25,874$20,002
20 years$56,418$45,624$36,609$29,174$23,111$17,572
21 years$53,167$42,497$33,673$26,477$20,682$15,463
22 years$50,215$39,670$31,035$24,074$18,539$13,626
23 years$47,523$37,102$28,656$21,925$16,641$12,023
24 years$45,060$34,762$26,501$19,996$14,958$10,619
25 years$42,797$32,623$24,546$18,262$13,460$9,388
26 years$40,712$30,660$22,765$16,698$12,124$8,307
27 years$38,785$28,855$21,139$15,284$10,931$7,356
28 years$36,998$27,190$19,652$14,003$9,863$6,517
29 years$35,337$25,650$18,288$12,841$8,906$5,778
30 years$33,790$24,224$17,034$11,785$8,047$5,125
31 years$32,346$22,900$15,880$10,824$7,275$4,548
32 years$30,995$21,668$14,817$9,947$6,581$4,037
33 years$29,728$20,520$13,834$9,147$5,956$3,585
34 years$28,538$19,448$12,926$8,416$5,392$3,185
35 years$27,419$18,446$12,085$7,748$4,884$2,830
36 years$26,365$17,508$11,305$7,135$4,425$2,515
37 years$25,369$16,629$10,582$6,574$4,011$2,236
38 years$24,429$15,803$9,909$6,060$3,636$1,988
39 years$23,538$15,027$9,284$5,587$3,297$1,768
40 years$22,695$14,297$8,702$5,154$2,991$1,572
41 years$21,894$13,610$8,159$4,755$2,713$1,399
42 years$21,134$12,961$7,654$4,388$2,462$1,244
43 years$20,411$12,350$7,182$4,051$2,234$1,107
44 years$19,723$11,772$6,742$3,740$2,028$985
45 years$19,067$11,225$6,330$3,454$1,841$877
46 years$18,442$10,709$5,945$3,191$1,672$780
47 years$17,845$10,219$5,586$2,948$1,518$694
48 years$17,275$9,756$5,249$2,724$1,379$618
49 years$16,729$9,316$4,934$2,517$1,252$550
50 years$16,207$8,899$4,638$2,327$1,137$490

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 $2,487 every year, while hoping to spend $25,130 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: 32/47/21 Blend
34$16,600,000$16,600,000$16,600,000$16,600,000
35$18,295,765$17,415,965$17,158,665$18,762,282
36$20,135,195$18,242,610$17,706,743$19,939,289
37$22,161,405$19,108,917$18,272,338$21,203,733
38$24,393,419$20,016,805$18,856,012$22,565,179
39$26,852,202$20,968,283$19,458,343$24,032,135
40$29,560,857$21,965,459$20,079,928$25,613,916
41$32,544,842$23,010,543$20,721,382$27,320,724
42$35,832,209$24,105,853$21,383,342$29,163,732
43$39,453,873$25,253,819$22,066,463$31,155,182
44$43,443,900$26,456,988$22,771,422$33,308,490
45$47,839,831$27,718,034$23,498,917$35,638,364
46$52,683,033$29,039,757$24,249,670$38,160,930
47$58,019,093$30,425,096$25,024,425$40,893,872
48$63,898,247$31,877,132$25,823,950$43,856,594
49$70,375,853$33,399,095$26,649,036$47,070,379
50$77,512,913$34,994,375$27,500,503$50,558,590
51$85,376,654$36,666,523$28,379,193$54,346,867
52$94,041,155$38,419,265$29,285,979$58,463,359
53$103,588,052$40,256,508$30,221,758$62,938,976
54$114,107,305$42,182,349$31,187,459$67,807,664
55$125,698,050$44,201,084$32,184,039$73,106,706
56$138,469,533$46,317,219$33,212,486$78,877,064
57$152,542,141$48,535,478$34,273,820$85,163,742
58$168,048,540$50,860,817$35,369,093$92,016,194
59$185,134,925$53,298,431$36,499,391$99,488,772
60$203,962,402$55,853,769$37,665,836$107,641,219
61$224,708,509$58,532,545$38,869,583$116,539,210
62$247,568,891$61,340,753$40,111,828$126,254,951
63$272,759,144$64,284,677$41,393,801$136,867,836
64$300,516,858$67,370,907$42,716,774$148,465,174
65$331,103,851$70,606,355$44,082,060$161,142,985
66$364,808,647$73,998,270$45,491,012$175,006,881
67$401,949,197$77,554,253$46,945,029$190,173,038
68$442,875,880$81,282,276$48,445,552$206,769,255
69$487,974,813$85,190,701$49,994,071$224,936,138
70$537,671,492$89,288,294$51,592,121$244,828,391
71$592,434,816$93,584,252$53,241,288$266,616,244
72$652,781,504$98,088,217$54,943,209$290,487,023
73$719,280,983$102,810,305$56,699,571$316,646,884
74$792,560,755$107,761,121$58,512,119$345,322,716
75$873,312,326$112,951,791$60,382,649$376,764,248
76$962,297,735$118,393,980$62,313,019$411,246,360
77$1,060,356,743$124,099,924$64,305,145$449,071,634
78$1,168,414,767$130,082,456$66,361,003$490,573,165
79$1,287,491,610$136,355,033$68,482,633$536,117,654
80$1,418,711,095$142,931,771$70,672,142$586,108,823
81$1,563,311,671$149,827,472$72,931,703$640,991,167
82$1,722,658,104$157,057,661$75,263,558$701,254,102
83$1,898,254,367$164,638,623$77,670,023$767,436,516
84$2,091,757,830$172,587,433$80,153,487$840,131,804
85$2,304,994,914$180,922,002$82,716,414$919,993,401
86$2,539,978,330$189,661,116$85,361,349$1,007,740,884
87$2,798,926,085$198,824,475$88,090,919$1,104,166,692
88$3,084,282,414$208,432,743$90,907,833$1,210,143,538
89$3,398,740,863$218,507,590$93,814,889$1,326,632,565
90$3,745,269,716$229,071,747$96,814,973$1,454,692,343
91$4,127,140,017$240,149,053$99,911,064$1,595,488,772
92$4,547,956,451$251,764,509$103,106,237$1,750,306,002
93$5,011,691,378$263,944,339$106,403,665$1,920,558,466
94$5,522,722,334$276,716,047$109,806,623$2,107,804,128
95$6,085,873,358$290,108,479$113,318,491$2,313,759,093
96$6,706,460,537$304,151,891$116,942,757$2,540,313,701
97$7,390,342,194$318,878,015$120,683,021$2,789,550,257
98$8,143,974,193$334,320,134$124,542,998$3,063,762,574
99$8,974,470,895$350,513,155$128,526,523$3,365,477,501
100$9,889,672,318$367,493,691$132,637,553$3,697,478,655