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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.3%
1 years$1,387,328$1,374,971$1,362,914$1,351,146$1,339,656$1,289,560
2 years$686,796$674,005$661,609$649,590$637,931$588,035
3 years$453,316$440,470$428,105$416,198$404,730$356,602
4 years$336,599$323,792$311,551$299,847$288,657$242,664
5 years$266,587$253,857$241,776$230,312$219,432$175,694
6 years$219,927$207,293$195,391$184,182$173,629$132,176
7 years$186,612$174,085$162,371$151,426$141,207$102,027
8 years$161,637$149,223$137,703$127,028$117,145$80,203
9 years$142,223$129,925$118,604$108,199$98,653$63,897
10 years$126,700$114,523$103,402$93,269$84,057$51,424
11 years$114,008$101,953$91,033$81,172$72,292$41,710
12 years$103,439$91,507$80,790$71,199$62,647$34,040
13 years$94,503$82,696$72,180$62,858$54,629$27,915
14 years$86,849$75,168$64,854$55,798$47,888$22,982
15 years$80,223$68,668$58,555$49,762$42,164$18,981
16 years$74,430$63,001$53,088$44,557$37,265$15,716
17 years$69,325$58,022$48,308$40,034$33,041$13,040
18 years$64,791$53,615$44,099$36,078$29,379$10,839
19 years$60,740$49,690$40,371$32,600$26,186$9,022
20 years$57,098$46,174$37,050$29,526$23,390$7,518
21 years$53,807$43,009$34,079$26,796$20,931$6,271
22 years$50,820$40,148$31,409$24,364$18,762$5,235
23 years$48,096$37,549$29,001$22,189$16,842$4,374
24 years$45,603$35,181$26,821$20,237$15,138$3,656
25 years$43,313$33,016$24,841$18,482$13,622$3,057
26 years$41,203$31,029$23,039$16,899$12,270$2,557
27 years$39,252$29,202$21,394$15,468$11,062$2,140
28 years$37,444$27,517$19,888$14,172$9,982$1,791
29 years$35,763$25,959$18,508$12,996$9,013$1,500
30 years$34,198$24,516$17,239$11,927$8,144$1,256
31 years$32,736$23,176$16,072$10,954$7,363$1,052
32 years$31,368$21,929$14,995$10,067$6,660$881
33 years$30,086$20,767$14,001$9,258$6,028$738
34 years$28,882$19,682$13,082$8,518$5,457$618
35 years$27,750$18,668$12,231$7,841$4,943$518
36 years$26,682$17,719$11,441$7,221$4,479$434
37 years$25,675$16,829$10,709$6,654$4,059$364
38 years$24,723$15,994$10,028$6,133$3,680$305
39 years$23,822$15,208$9,396$5,655$3,337$256
40 years$22,968$14,469$8,807$5,216$3,027$214
41 years$22,158$13,774$8,258$4,812$2,746$179
42 years$21,389$13,117$7,746$4,441$2,492$150
43 years$20,657$12,498$7,269$4,100$2,261$126
44 years$19,961$11,913$6,823$3,785$2,053$106
45 years$19,297$11,361$6,406$3,496$1,863$89
46 years$18,664$10,838$6,017$3,229$1,692$74
47 years$18,060$10,342$5,653$2,983$1,536$62
48 years$17,483$9,873$5,312$2,757$1,395$52
49 years$16,931$9,428$4,993$2,548$1,267$44
50 years$16,403$9,006$4,694$2,355$1,151$37

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 $2,050 every year, while hoping to spend $30,193 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: 67/19/14 Blend
34$16,800,000$16,800,000$16,800,000$16,800,000
35$18,515,715$17,625,315$17,364,915$19,696,150
36$20,372,192$18,456,830$17,914,514$21,314,931
37$22,417,019$19,328,077$18,481,513$23,080,480
38$24,669,374$20,240,972$19,066,463$25,010,155
39$27,150,393$21,197,522$19,669,932$27,120,045
40$29,883,364$22,199,833$20,292,507$29,427,849
41$32,893,954$23,250,111$20,934,792$31,953,045
42$36,210,442$24,350,671$21,597,412$34,717,065
43$39,863,992$25,503,939$22,281,011$37,743,496
44$43,888,948$26,712,461$22,986,253$41,058,297
45$48,323,152$27,978,903$23,713,824$44,690,041
46$53,208,307$29,306,063$24,464,431$48,670,178
47$58,590,368$30,696,873$25,238,803$53,033,329
48$64,519,976$32,154,411$26,037,693$57,817,606
49$71,052,936$33,681,899$26,861,878$63,064,968
50$78,250,743$35,282,720$27,712,158$68,821,608
51$86,181,164$36,960,419$28,589,361$75,138,389
52$94,918,877$38,718,713$29,494,339$82,071,311
53$104,546,175$40,561,502$30,427,972$89,682,040
54$115,153,742$42,492,873$31,391,166$98,038,479
55$126,841,513$44,517,113$32,384,859$107,215,402
56$139,719,612$46,638,717$33,410,017$117,295,155
57$153,909,396$48,862,397$34,467,636$128,368,424
58$169,544,597$51,193,097$35,558,744$140,535,082
59$186,772,586$53,635,999$36,684,402$153,905,126
60$205,755,765$56,196,538$37,845,705$168,599,707
61$226,673,098$58,880,414$39,043,781$184,752,259
62$249,721,801$61,693,602$40,279,796$202,509,755
63$275,119,206$64,642,369$41,554,950$222,034,082
64$303,104,809$67,733,289$42,870,484$243,503,560
65$333,942,531$70,973,251$44,227,677$267,114,612
66$367,923,213$74,369,485$45,627,848$293,083,608
67$405,367,359$77,929,568$47,072,360$321,648,896
68$446,628,162$81,661,449$48,562,615$353,073,041
69$492,094,836$85,573,461$50,100,065$387,645,287
70$542,196,295$89,674,347$51,686,203$425,684,276
71$597,405,198$93,973,271$53,322,571$467,541,041
72$658,242,413$98,479,845$55,010,762$513,602,307
73$725,281,933$103,204,152$56,752,416$564,294,122
74$799,156,296$108,156,761$58,549,228$620,085,867
75$880,562,556$113,348,760$60,402,945$681,494,667
76$970,268,862$118,791,775$62,315,369$749,090,257
77$1,069,121,713$124,497,999$64,288,361$823,500,338
78$1,178,053,945$130,480,218$66,323,839$905,416,489
79$1,298,093,542$136,751,844$68,423,782$995,600,671
80$1,430,373,339$143,326,939$70,590,234$1,094,892,398
81$1,576,141,713$150,220,253$72,825,301$1,204,216,644
82$1,736,774,376$157,447,254$75,131,157$1,324,592,548
83$1,913,787,356$165,024,163$77,510,044$1,457,143,014
84$2,108,851,313$172,967,994$79,964,277$1,603,105,282
85$2,323,807,309$181,296,588$82,496,243$1,763,842,584
86$2,560,684,192$190,028,658$85,108,404$1,940,856,985
87$2,821,717,746$199,183,828$87,803,302$2,135,803,533
88$3,109,371,800$208,782,680$90,583,557$2,350,505,855
89$3,426,361,492$218,846,800$93,451,874$2,586,973,339
90$3,775,678,896$229,398,825$96,411,044$2,847,420,069
91$4,160,621,274$240,462,498$99,463,945$3,134,285,694
92$4,584,822,204$252,062,720$102,613,546$3,450,258,423
93$5,052,285,881$264,225,605$105,862,912$3,798,300,363
94$5,567,424,925$276,978,544$109,215,204$4,181,675,444
95$6,135,102,038$290,350,263$112,673,684$4,603,980,192
96$6,760,675,908$304,370,888$116,241,715$5,069,177,632
97$7,450,051,807$319,072,019$119,922,769$5,581,634,663
98$8,209,737,337$334,486,793$123,720,427$6,146,163,232
99$9,046,903,869$350,649,970$127,638,385$6,768,065,711
100$9,969,454,247$367,598,002$131,680,454$7,453,184,904