Can I retire at age 35 with 16,700,000?

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 $16,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,379,070$1,366,786$1,354,802$1,343,104$1,331,681$1,281,884
2 years$682,708$669,993$657,671$645,723$634,134$584,535
3 years$450,618$437,848$425,556$413,721$402,321$354,479
4 years$334,595$321,865$309,696$298,063$286,938$241,219
5 years$265,000$252,346$240,337$228,941$218,126$174,648
6 years$218,618$206,059$194,228$183,086$172,596$131,389
7 years$185,501$173,048$161,404$150,525$140,367$101,420
8 years$160,675$148,334$136,884$126,272$116,448$79,725
9 years$141,376$129,152$117,898$107,555$98,066$63,516
10 years$125,946$113,841$102,786$92,714$83,557$51,118
11 years$113,329$101,346$90,491$80,689$71,862$41,462
12 years$102,823$90,963$80,309$70,775$62,274$33,837
13 years$93,940$82,204$71,750$62,484$54,304$27,749
14 years$86,333$74,721$64,468$55,466$47,603$22,845
15 years$79,745$68,259$58,206$49,466$41,913$18,868
16 years$73,987$62,626$52,772$44,291$37,043$15,623
17 years$68,912$57,676$48,021$39,795$32,845$12,963
18 years$64,405$53,296$43,837$35,864$29,204$10,774
19 years$60,378$49,394$40,130$32,406$26,030$8,968
20 years$56,758$45,899$36,830$29,350$23,251$7,473
21 years$53,487$42,753$33,876$26,637$20,807$6,234
22 years$50,517$39,909$31,222$24,219$18,650$5,204
23 years$47,810$37,326$28,828$22,057$16,742$4,348
24 years$45,332$34,972$26,661$20,117$15,048$3,634
25 years$43,055$32,819$24,694$18,372$13,541$3,039
26 years$40,957$30,845$22,902$16,798$12,197$2,542
27 years$39,018$29,029$21,267$15,376$10,997$2,127
28 years$37,221$27,353$19,770$14,088$9,922$1,781
29 years$35,550$25,805$18,398$12,919$8,960$1,491
30 years$33,994$24,370$17,137$11,856$8,096$1,248
31 years$32,541$23,038$15,976$10,889$7,319$1,046
32 years$31,182$21,798$14,906$10,007$6,621$876
33 years$29,907$20,643$13,918$9,202$5,992$734
34 years$28,710$19,565$13,004$8,467$5,425$615
35 years$27,584$18,557$12,158$7,794$4,914$515
36 years$26,523$17,614$11,373$7,178$4,452$432
37 years$25,522$16,729$10,645$6,614$4,035$362
38 years$24,576$15,898$9,969$6,096$3,658$303
39 years$23,680$15,118$9,340$5,621$3,317$254
40 years$22,832$14,383$8,754$5,185$3,009$213
41 years$22,026$13,692$8,209$4,783$2,730$178
42 years$21,262$13,039$7,700$4,415$2,477$150
43 years$20,534$12,424$7,225$4,075$2,248$125
44 years$19,842$11,843$6,782$3,763$2,040$105
45 years$19,182$11,293$6,368$3,475$1,852$88
46 years$18,553$10,773$5,981$3,210$1,682$74
47 years$17,953$10,281$5,619$2,966$1,527$62
48 years$17,379$9,814$5,281$2,740$1,387$52
49 years$16,830$9,372$4,963$2,533$1,260$43
50 years$16,305$8,953$4,666$2,341$1,144$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $16,700,000, adding $4,958 every year, while hoping to spend $57,127 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: 85/10/5 Blend
34$16,700,000$16,700,000$16,700,000$16,700,000
35$18,408,514$17,523,414$17,264,564$19,973,131
36$20,225,400$18,321,279$17,782,144$21,791,596
37$22,225,693$19,156,324$18,315,149$23,780,589
38$24,428,042$20,030,312$18,864,034$25,963,758
39$26,852,993$20,945,087$19,429,270$28,360,568
40$29,523,187$21,902,586$20,011,339$30,992,455
41$32,463,574$22,904,834$20,610,741$33,883,027
42$35,701,644$23,953,957$21,227,987$37,058,285
43$39,267,691$25,052,180$21,863,604$40,546,866
44$43,195,096$26,201,838$22,518,135$44,380,310
45$47,520,643$27,405,375$23,192,139$48,593,359
46$52,284,864$28,665,354$23,886,192$53,224,278
47$57,532,425$29,984,461$24,600,884$58,315,218
48$63,312,545$31,365,511$25,336,825$63,912,609
49$69,679,458$32,811,455$26,094,643$70,067,596
50$76,692,931$34,325,385$26,874,982$76,836,518
51$84,418,823$35,910,542$27,678,506$84,281,442
52$92,929,707$37,570,322$28,505,900$92,470,738
53$102,305,556$39,308,287$29,357,867$101,479,727
54$112,634,498$41,128,168$30,235,131$111,391,387
55$124,013,645$43,033,877$31,138,437$122,297,134
56$136,550,015$45,029,515$32,068,552$134,297,680
57$150,361,534$47,119,379$33,026,266$147,503,978
58$165,578,155$49,307,973$34,012,391$162,038,272
59$182,343,084$51,600,021$35,027,763$178,035,239
60$200,814,128$54,000,472$36,073,243$195,643,263
61$221,165,189$56,514,514$37,149,715$215,025,827
62$243,587,900$59,147,587$38,258,093$236,363,053
63$268,293,439$61,905,392$39,399,312$259,853,398
64$295,514,520$64,793,906$40,574,339$285,715,521
65$325,507,588$67,819,395$41,784,167$314,190,346
66$358,555,243$70,988,426$43,029,817$345,543,323
67$394,968,904$74,307,885$44,312,342$380,066,938
68$435,091,750$77,784,990$45,632,824$418,083,459
69$479,301,962$81,427,307$46,992,377$459,947,980
70$528,016,287$85,242,770$48,392,146$506,051,761
71$581,693,977$89,239,695$49,833,312$556,825,915
72$640,841,122$93,426,799$51,317,087$612,745,476
73$706,015,428$97,813,225$52,844,722$674,333,871
74$777,831,482$102,408,553$54,417,500$742,167,855
75$856,966,552$107,222,830$56,036,745$816,882,947
76$944,166,980$112,266,589$57,703,816$899,179,423
77$1,040,255,233$117,550,872$59,420,114$989,828,918
78$1,146,137,658$123,087,257$61,187,080$1,089,681,697
79$1,262,813,048$128,887,881$63,006,195$1,199,674,680
80$1,391,382,061$134,965,470$64,878,985$1,320,840,268
81$1,533,057,620$141,333,366$66,807,020$1,454,316,086
82$1,689,176,355$148,005,559$68,791,913$1,601,355,709
83$1,861,211,227$154,996,715$70,835,326$1,763,340,483
84$2,050,785,431$162,322,213$72,938,968$1,941,792,557
85$2,259,687,719$169,998,175$75,104,597$2,138,389,239
86$2,489,889,289$178,041,509$77,334,024$2,354,978,818
87$2,743,562,392$186,469,938$79,629,110$2,593,597,996
88$3,023,100,841$195,302,050$81,991,769$2,856,491,108
89$3,331,142,606$204,557,329$84,423,973$3,146,131,288
90$3,670,594,723$214,256,210$86,927,748$3,465,243,806
91$4,044,660,738$224,420,117$89,505,180$3,816,831,778
92$4,456,870,944$235,071,514$92,158,414$4,204,204,499
93$4,911,115,718$246,233,956$94,889,659$4,631,008,670
94$5,411,682,243$257,932,141$97,701,184$5,101,262,805
95$5,963,294,984$270,191,969$100,595,326$5,619,395,149
96$6,571,160,291$283,040,594$103,574,488$6,190,285,464
97$7,241,015,550$296,506,492$106,641,143$6,819,311,076
98$7,979,183,347$310,619,522$109,797,832$7,512,397,615
99$8,792,631,163$325,410,992$113,047,174$8,276,074,941
100$9,689,037,146$340,913,736$116,391,859$9,117,538,759