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%11.4%
1 years$1,379,070$1,366,786$1,354,802$1,343,104$1,331,681$1,323,844
2 years$682,708$669,993$657,671$645,723$634,134$626,227
3 years$450,618$437,848$425,556$413,721$402,321$394,589
4 years$334,595$321,865$309,696$298,063$286,938$279,441
5 years$265,000$252,346$240,337$228,941$218,126$210,886
6 years$218,618$206,059$194,228$183,086$172,596$165,622
7 years$185,501$173,048$161,404$150,525$140,367$133,662
8 years$160,675$148,334$136,884$126,272$116,448$110,013
9 years$141,376$129,152$117,898$107,555$98,066$91,900
10 years$125,946$113,841$102,786$92,714$83,557$77,656
11 years$113,329$101,346$90,491$80,689$71,862$66,222
12 years$102,823$90,963$80,309$70,775$62,274$56,891
13 years$93,940$82,204$71,750$62,484$54,304$49,172
14 years$86,333$74,721$64,468$55,466$47,603$42,716
15 years$79,745$68,259$58,206$49,466$41,913$37,265
16 years$73,987$62,626$52,772$44,291$37,043$32,627
17 years$68,912$57,676$48,021$39,795$32,845$28,654
18 years$64,405$53,296$43,837$35,864$29,204$25,232
19 years$60,378$49,394$40,130$32,406$26,030$22,269
20 years$56,758$45,899$36,830$29,350$23,251$19,693
21 years$53,487$42,753$33,876$26,637$20,807$17,444
22 years$50,517$39,909$31,222$24,219$18,650$15,476
23 years$47,810$37,326$28,828$22,057$16,742$13,748
24 years$45,332$34,972$26,661$20,117$15,048$12,227
25 years$43,055$32,819$24,694$18,372$13,541$10,886
26 years$40,957$30,845$22,902$16,798$12,197$9,700
27 years$39,018$29,029$21,267$15,376$10,997$8,651
28 years$37,221$27,353$19,770$14,088$9,922$7,720
29 years$35,550$25,805$18,398$12,919$8,960$6,894
30 years$33,994$24,370$17,137$11,856$8,096$6,160
31 years$32,541$23,038$15,976$10,889$7,319$5,506
32 years$31,182$21,798$14,906$10,007$6,621$4,924
33 years$29,907$20,643$13,918$9,202$5,992$4,406
34 years$28,710$19,565$13,004$8,467$5,425$3,943
35 years$27,584$18,557$12,158$7,794$4,914$3,530
36 years$26,523$17,614$11,373$7,178$4,452$3,161
37 years$25,522$16,729$10,645$6,614$4,035$2,832
38 years$24,576$15,898$9,969$6,096$3,658$2,537
39 years$23,680$15,118$9,340$5,621$3,317$2,274
40 years$22,832$14,383$8,754$5,185$3,009$2,038
41 years$22,026$13,692$8,209$4,783$2,730$1,827
42 years$21,262$13,039$7,700$4,415$2,477$1,638
43 years$20,534$12,424$7,225$4,075$2,248$1,469
44 years$19,842$11,843$6,782$3,763$2,040$1,317
45 years$19,182$11,293$6,368$3,475$1,852$1,181
46 years$18,553$10,773$5,981$3,210$1,682$1,059
47 years$17,953$10,281$5,619$2,966$1,527$950
48 years$17,379$9,814$5,281$2,740$1,387$853
49 years$16,830$9,372$4,963$2,533$1,260$765
50 years$16,305$8,953$4,666$2,341$1,144$686

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 $2,673 every year, while hoping to spend $43,987 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: 63/12/25 Blend
34$16,700,000$16,700,000$16,700,000$16,700,000
35$18,406,157$17,521,057$17,262,207$19,444,116
36$20,236,783$18,332,787$17,793,689$20,958,440
37$22,252,659$19,182,818$18,341,502$22,606,640
38$24,472,634$20,072,979$18,906,145$24,405,942
39$26,917,477$21,005,190$19,488,136$26,371,141
40$29,610,076$21,981,460$20,088,005$28,518,516
41$32,575,652$23,003,900$20,706,301$30,865,984
42$35,841,994$24,074,717$21,343,588$33,433,264
43$39,439,728$25,196,228$22,000,448$36,242,058
44$43,402,599$26,370,862$22,677,482$39,316,256
45$47,767,793$27,601,163$23,375,307$42,682,155
46$52,576,288$28,889,801$24,094,560$46,368,705
47$57,873,239$30,239,571$24,835,898$50,407,776
48$63,708,406$31,653,406$25,599,996$54,834,459
49$70,136,621$33,134,380$26,387,554$59,687,390
50$77,218,307$34,685,716$27,199,288$65,009,108
51$85,020,050$36,310,791$28,035,939$70,846,459
52$93,615,222$38,013,147$28,898,270$77,251,025
53$103,084,681$39,796,498$29,787,069$84,279,613
54$113,517,527$41,664,734$30,703,144$91,994,782
55$125,011,946$43,621,938$31,647,331$100,465,427
56$137,676,139$45,672,388$32,620,491$109,767,429
57$151,629,338$47,820,568$33,623,510$119,984,360
58$167,002,936$50,071,181$34,657,303$131,208,270
59$183,941,724$52,429,157$35,722,812$143,540,544
60$202,605,260$54,899,666$36,821,006$157,092,861
61$223,169,373$57,488,126$37,952,886$171,988,230
62$245,827,825$60,200,220$39,119,483$188,362,156
63$270,794,137$63,041,904$40,321,859$206,363,902
64$298,303,606$66,019,425$41,561,109$226,157,895
65$328,615,528$69,139,331$42,838,361$247,925,270
66$362,015,642$72,408,489$44,154,776$271,865,568
67$398,818,830$75,834,097$45,511,553$298,198,616
68$439,372,087$79,423,704$46,909,927$327,166,587
69$484,057,799$83,185,225$48,351,168$359,036,283
70$533,297,351$87,126,957$49,836,589$394,101,637
71$587,555,106$91,257,603$51,367,539$432,686,483
72$647,342,786$95,586,285$52,945,411$475,147,598
73$713,224,307$100,122,570$54,571,640$521,878,060
74$785,821,099$104,876,488$56,247,702$573,310,950
75$865,817,973$109,858,558$57,975,122$629,923,420
76$953,969,586$115,079,807$59,755,468$692,241,195
77$1,051,107,567$120,551,800$61,590,359$760,843,514
78$1,158,148,363$126,286,663$63,481,461$836,368,589
79$1,276,101,897$132,297,111$65,430,491$919,519,611
80$1,406,081,098$138,596,476$67,439,220$1,011,071,379
81$1,549,312,406$145,198,740$69,509,470$1,111,877,594
82$1,707,147,356$152,118,562$71,643,121$1,222,878,903
83$1,881,075,330$159,371,316$73,842,110$1,345,111,761
84$2,072,737,625$166,973,121$76,108,432$1,479,718,199
85$2,283,942,941$174,940,882$78,444,142$1,627,956,586
86$2,516,684,460$183,292,325$80,851,360$1,791,213,487
87$2,773,158,664$192,046,038$83,332,270$1,971,016,735
88$3,055,786,067$201,221,513$85,889,120$2,169,049,834
89$3,367,234,069$210,839,190$88,524,229$2,387,167,824
90$3,710,442,139$220,920,506$91,239,985$2,627,414,777
91$4,088,649,563$231,487,936$94,038,851$2,892,043,066
92$4,505,426,028$242,565,055$96,923,362$3,183,534,605
93$4,964,705,319$254,176,579$99,896,131$3,504,624,252
94$5,470,822,463$266,348,432$102,959,852$3,858,325,599
95$6,028,554,646$279,107,798$106,117,300$4,247,959,399
96$6,643,166,324$292,483,184$109,371,333$4,677,184,878
97$7,320,458,915$306,504,485$112,724,898$5,150,034,255
98$8,066,825,573$321,203,054$116,181,031$5,670,950,773
99$8,889,311,545$336,611,768$119,742,860$6,244,830,612
100$9,795,680,684$352,765,106$123,413,607$6,877,069,079