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%13.7%
1 years$1,370,812$1,358,602$1,346,689$1,335,061$1,323,707$1,303,388
2 years$678,620$665,981$653,733$641,856$630,337$609,915
3 years$447,919$435,226$423,008$411,244$399,912$380,022
4 years$332,592$319,937$307,842$296,278$285,220$266,017
5 years$263,413$250,835$238,898$227,570$216,820$198,358
6 years$217,309$204,825$193,065$181,989$171,562$153,863
7 years$184,391$172,012$160,438$149,624$139,526$122,595
8 years$159,713$147,446$136,064$125,515$115,750$99,585
9 years$140,529$128,378$117,192$106,911$97,479$82,071
10 years$125,192$113,159$102,171$92,159$83,057$68,394
11 years$112,651$100,739$89,949$80,206$71,431$57,499
12 years$102,207$90,418$79,828$70,351$61,901$48,682
13 years$93,377$81,711$71,321$62,109$53,979$41,455
14 years$85,816$74,273$64,082$55,134$47,318$35,468
15 years$79,268$67,850$57,857$49,170$41,662$30,465
16 years$73,544$62,251$52,456$44,026$36,821$26,254
17 years$68,499$57,331$47,733$39,557$32,648$22,689
18 years$64,020$52,976$43,574$35,649$29,029$19,654
19 years$60,017$49,098$39,890$32,212$25,874$17,060
20 years$56,418$45,624$36,609$29,174$23,111$14,833
21 years$53,167$42,497$33,673$26,477$20,682$12,917
22 years$50,215$39,670$31,035$24,074$18,539$11,262
23 years$47,523$37,102$28,656$21,925$16,641$9,831
24 years$45,060$34,762$26,501$19,996$14,958$8,589
25 years$42,797$32,623$24,546$18,262$13,460$7,511
26 years$40,712$30,660$22,765$16,698$12,124$6,572
27 years$38,785$28,855$21,139$15,284$10,931$5,755
28 years$36,998$27,190$19,652$14,003$9,863$5,042
29 years$35,337$25,650$18,288$12,841$8,906$4,419
30 years$33,790$24,224$17,034$11,785$8,047$3,875
31 years$32,346$22,900$15,880$10,824$7,275$3,399
32 years$30,995$21,668$14,817$9,947$6,581$2,983
33 years$29,728$20,520$13,834$9,147$5,956$2,618
34 years$28,538$19,448$12,926$8,416$5,392$2,299
35 years$27,419$18,446$12,085$7,748$4,884$2,019
36 years$26,365$17,508$11,305$7,135$4,425$1,773
37 years$25,369$16,629$10,582$6,574$4,011$1,558
38 years$24,429$15,803$9,909$6,060$3,636$1,368
39 years$23,538$15,027$9,284$5,587$3,297$1,202
40 years$22,695$14,297$8,702$5,154$2,991$1,057
41 years$21,894$13,610$8,159$4,755$2,713$929
42 years$21,134$12,961$7,654$4,388$2,462$816
43 years$20,411$12,350$7,182$4,051$2,234$718
44 years$19,723$11,772$6,742$3,740$2,028$631
45 years$19,067$11,225$6,330$3,454$1,841$555
46 years$18,442$10,709$5,945$3,191$1,672$488
47 years$17,845$10,219$5,586$2,948$1,518$429
48 years$17,275$9,756$5,249$2,724$1,379$377
49 years$16,729$9,316$4,934$2,517$1,252$331
50 years$16,207$8,899$4,638$2,327$1,137$291

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 $4,516 every year, while hoping to spend $44,919 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: 49/40/11 Blend
34$16,600,000$16,600,000$16,600,000$16,600,000
35$18,297,858$17,418,058$17,160,758$19,139,674
36$20,116,446$18,223,750$17,687,850$20,523,509
37$22,119,025$19,067,414$18,231,094$22,020,732
38$24,324,314$19,950,866$18,790,984$23,646,005
39$26,752,940$20,876,005$19,368,028$25,411,321
40$29,427,634$21,844,823$19,962,751$27,329,851
41$32,373,442$22,859,409$20,575,693$29,416,056
42$35,617,965$23,921,951$21,207,410$31,685,822
43$39,191,615$25,034,745$21,858,477$34,156,599
44$43,127,908$26,200,195$22,529,483$36,847,562
45$47,463,773$27,420,823$23,221,039$39,779,778
46$52,239,905$28,699,272$23,933,772$42,976,404
47$57,501,151$30,038,311$24,668,329$46,462,891
48$63,296,926$31,440,846$25,425,375$50,267,217
49$69,681,685$32,909,921$26,205,599$54,420,143
50$76,715,438$34,448,727$27,009,706$58,955,492
51$84,464,308$36,060,610$27,838,428$63,910,457
52$93,001,167$37,749,079$28,692,514$69,325,943
53$102,406,312$39,517,810$29,572,739$75,246,943
54$112,768,231$41,370,658$30,479,901$81,722,944
55$124,184,434$43,311,665$31,414,822$88,808,392
56$136,762,377$45,345,067$32,378,349$96,563,182
57$150,620,471$47,475,306$33,371,355$105,053,219
58$165,889,202$49,707,039$34,394,738$114,351,019
59$182,712,366$52,045,149$35,449,427$124,536,382
60$201,248,420$54,494,754$36,536,375$135,697,129
61$221,671,982$57,061,220$37,656,567$147,929,915
62$244,175,478$59,750,175$38,811,017$161,341,121
63$268,970,960$62,567,516$40,000,769$176,047,846
64$296,292,102$65,519,428$41,226,899$192,178,986
65$326,396,413$68,612,397$42,490,516$209,876,439
66$359,567,663$71,853,220$43,792,765$229,296,417
67$396,118,563$75,249,027$45,134,821$250,610,904
68$436,393,718$78,807,290$46,517,899$274,009,253
69$480,772,877$82,535,847$47,943,248$299,699,952
70$529,674,520$86,442,914$49,412,156$327,912,566
71$583,559,809$90,537,105$50,925,952$358,899,880
72$642,936,941$94,827,454$52,486,002$392,940,255
73$708,365,942$99,323,432$54,093,716$430,340,229
74$780,463,958$104,034,970$55,750,546$471,437,381
75$859,911,079$108,972,482$57,457,987$516,603,486
76$947,456,761$114,146,885$59,217,581$566,247,992
77$1,043,926,896$119,569,628$61,030,916$620,821,849
78$1,150,231,617$125,252,716$62,899,628$680,821,734
79$1,267,373,880$131,208,738$64,825,404$746,794,698
80$1,396,458,941$137,450,891$66,809,981$819,343,292
81$1,538,704,786$143,993,018$68,855,148$899,131,216
82$1,695,453,628$150,849,630$70,962,749$986,889,538
83$1,868,184,582$158,035,946$73,134,685$1,083,423,553
84$2,058,527,626$165,567,924$75,372,914$1,189,620,334
85$2,268,278,990$173,462,298$77,679,452$1,306,457,062
86$2,499,418,111$181,736,614$80,056,378$1,435,010,193
87$2,754,126,324$190,409,275$82,505,833$1,576,465,569
88$3,034,807,454$199,499,573$85,030,023$1,732,129,554
89$3,344,110,506$209,027,745$87,631,221$1,903,441,307
90$3,684,954,680$219,015,006$90,311,769$2,091,986,308
91$4,060,556,923$229,483,608$93,074,079$2,299,511,255
92$4,474,462,307$240,456,882$95,920,639$2,527,940,488
93$4,930,577,491$251,959,298$98,854,008$2,779,394,085
94$5,433,207,603$264,016,512$101,876,826$3,056,207,795
95$5,987,096,891$276,655,433$104,991,812$3,360,955,018
96$6,597,473,502$289,904,277$108,201,766$3,696,471,006
97$7,270,098,848$303,792,636$111,509,574$4,065,879,554
98$8,011,321,996$318,351,541$114,918,210$4,472,622,388
99$8,828,139,607$333,613,533$118,430,737$4,920,491,569
100$9,728,261,991$349,612,740$122,050,311$5,413,665,191