Can I retire at age 35 with 16,800,000?

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 $16,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$1,387,328$1,374,971$1,362,914$1,351,146$1,339,656$1,323,464
2 years$686,796$674,005$661,609$649,590$637,931$621,636
3 years$453,316$440,470$428,105$416,198$404,730$388,838
4 years$336,599$323,792$311,551$299,847$288,657$273,290
5 years$266,587$253,857$241,776$230,312$219,432$204,636
6 years$219,927$207,293$195,391$184,182$173,629$159,421
7 years$186,612$174,085$162,371$151,426$141,207$127,592
8 years$161,637$149,223$137,703$127,028$117,145$104,122
9 years$142,223$129,925$118,604$108,199$98,653$86,217
10 years$126,700$114,523$103,402$93,269$84,057$72,200
11 years$114,008$101,953$91,033$81,172$72,292$61,003
12 years$103,439$91,507$80,790$71,199$62,647$51,913
13 years$94,503$82,696$72,180$62,858$54,629$44,437
14 years$86,849$75,168$64,854$55,798$47,888$38,223
15 years$80,223$68,668$58,555$49,762$42,164$33,011
16 years$74,430$63,001$53,088$44,557$37,265$28,607
17 years$69,325$58,022$48,308$40,034$33,041$24,863
18 years$64,791$53,615$44,099$36,078$29,379$21,661
19 years$60,740$49,690$40,371$32,600$26,186$18,912
20 years$57,098$46,174$37,050$29,526$23,390$16,542
21 years$53,807$43,009$34,079$26,796$20,931$14,491
22 years$50,820$40,148$31,409$24,364$18,762$12,712
23 years$48,096$37,549$29,001$22,189$16,842$11,165
24 years$45,603$35,181$26,821$20,237$15,138$9,816
25 years$43,313$33,016$24,841$18,482$13,622$8,637
26 years$41,203$31,029$23,039$16,899$12,270$7,607
27 years$39,252$29,202$21,394$15,468$11,062$6,703
28 years$37,444$27,517$19,888$14,172$9,982$5,911
29 years$35,763$25,959$18,508$12,996$9,013$5,215
30 years$34,198$24,516$17,239$11,927$8,144$4,603
31 years$32,736$23,176$16,072$10,954$7,363$4,065
32 years$31,368$21,929$14,995$10,067$6,660$3,590
33 years$30,086$20,767$14,001$9,258$6,028$3,172
34 years$28,882$19,682$13,082$8,518$5,457$2,804
35 years$27,750$18,668$12,231$7,841$4,943$2,479
36 years$26,682$17,719$11,441$7,221$4,479$2,192
37 years$25,675$16,829$10,709$6,654$4,059$1,939
38 years$24,723$15,994$10,028$6,133$3,680$1,715
39 years$23,822$15,208$9,396$5,655$3,337$1,517
40 years$22,968$14,469$8,807$5,216$3,027$1,343
41 years$22,158$13,774$8,258$4,812$2,746$1,188
42 years$21,389$13,117$7,746$4,441$2,492$1,052
43 years$20,657$12,498$7,269$4,100$2,261$931
44 years$19,961$11,913$6,823$3,785$2,053$824
45 years$19,297$11,361$6,406$3,496$1,863$729
46 years$18,664$10,838$6,017$3,229$1,692$646
47 years$18,060$10,342$5,653$2,983$1,536$572
48 years$17,483$9,873$5,312$2,757$1,395$506
49 years$16,931$9,428$4,993$2,548$1,267$448
50 years$16,403$9,006$4,694$2,355$1,151$397

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $16,800,000, adding $4,944 every year, while hoping to spend $53,377 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: 74/5/21 Blend
34$16,800,000$16,800,000$16,800,000$16,800,000
35$18,518,700$17,628,300$17,367,900$19,795,242
36$20,350,814$18,435,294$17,892,932$21,450,831
37$22,368,016$19,280,041$18,433,763$23,257,657
38$24,589,126$20,164,336$18,990,867$25,236,377
39$27,034,887$21,090,058$19,564,731$27,404,110
40$29,728,151$22,059,177$20,155,855$29,779,706
41$32,694,104$23,073,758$20,764,757$32,383,920
42$35,960,494$24,135,964$21,391,969$35,239,613
43$39,557,901$25,248,063$22,038,037$38,371,959
44$43,520,022$26,412,433$22,703,525$41,808,683
45$47,883,985$27,631,563$23,389,015$45,580,322
46$52,690,708$28,908,066$24,095,103$49,720,508
47$57,985,278$30,244,679$24,822,406$54,266,286
48$63,817,377$31,644,269$25,571,557$59,258,460
49$70,241,754$33,109,843$26,343,210$64,741,977
50$77,318,741$34,644,553$27,138,035$70,766,346
51$85,114,819$36,251,702$27,956,725$77,386,106
52$93,703,248$37,934,753$28,799,993$84,661,334
53$103,164,758$39,697,335$29,668,572$92,658,216
54$113,588,311$41,543,253$30,563,217$101,449,661
55$125,071,941$43,476,494$31,484,707$111,115,990
56$137,723,676$45,501,239$32,433,841$121,745,694
57$151,662,561$47,621,869$33,411,445$133,436,260
58$167,019,781$49,842,980$34,418,367$146,295,092
59$183,939,898$52,169,386$35,455,482$160,440,521
60$202,582,216$54,606,134$36,523,690$176,002,914
61$223,122,285$57,158,518$37,623,916$193,125,910
62$245,753,557$59,832,083$38,757,116$211,967,762
63$270,689,211$62,632,647$39,924,271$232,702,833
64$298,164,169$65,566,305$41,126,392$255,523,235
65$328,437,310$68,639,449$42,364,522$280,640,642
66$361,793,913$71,858,780$43,639,731$308,288,277
67$398,548,354$75,231,322$44,953,123$338,723,116
68$439,047,068$78,764,439$46,305,835$372,228,303
69$483,671,826$82,465,853$47,699,037$409,115,823
70$532,843,330$86,343,658$49,133,933$449,729,438
71$587,025,192$90,406,340$50,611,762$494,447,927
72$646,728,307$94,662,796$52,133,802$543,688,661
73$712,515,677$99,122,355$53,701,366$597,911,529
74$785,007,722$103,794,796$55,315,808$657,623,281
75$864,888,142$108,690,374$56,978,520$723,382,300
76$952,910,368$113,819,838$58,690,937$795,803,869
77$1,049,904,676$119,194,461$60,454,533$875,565,974
78$1,156,786,023$124,826,060$62,270,831$963,415,695
79$1,274,562,687$130,727,025$64,141,392$1,060,176,250
80$1,404,345,781$136,910,350$66,067,829$1,166,754,764
81$1,547,359,749$143,389,655$68,051,799$1,284,150,820
82$1,704,953,918$150,179,223$70,095,010$1,413,465,888
83$1,878,615,242$157,294,029$72,199,217$1,555,913,715
84$2,069,982,335$164,749,776$74,366,230$1,712,831,778
85$2,280,860,945$172,562,926$76,597,910$1,885,693,893
86$2,513,240,997$180,750,744$78,896,175$2,076,124,126
87$2,769,315,378$189,331,331$81,262,997$2,285,912,115
88$3,051,500,647$198,323,666$83,700,407$2,517,029,948
89$3,362,459,838$207,747,651$86,210,496$2,771,650,777
90$3,705,127,610$217,624,155$88,795,416$3,052,169,319
91$4,082,737,946$227,975,058$91,457,382$3,361,224,452
92$4,498,854,687$238,823,306$94,198,675$3,701,724,116
93$4,957,405,176$250,192,959$97,021,641$4,076,872,752
94$5,462,717,335$262,109,245$99,928,697$4,490,201,544
95$6,019,560,524$274,598,619$102,922,330$4,945,601,737
96$6,633,190,568$287,688,822$106,005,098$5,447,361,363
97$7,309,399,375$301,408,944$109,179,639$6,000,205,705
98$8,054,569,617$315,789,487$112,448,662$6,609,341,893
99$8,875,734,986$330,862,440$115,814,960$7,280,508,049
100$9,780,646,599$346,661,344$119,281,406$8,020,027,436