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%11.7%
1 years$1,387,328$1,374,971$1,362,914$1,351,146$1,339,656$1,330,098
2 years$686,796$674,005$661,609$649,590$637,931$628,294
3 years$453,316$440,470$428,105$416,198$404,730$395,311
4 years$336,599$323,792$311,551$299,847$288,657$279,529
5 years$266,587$253,857$241,776$230,312$219,432$210,622
6 years$219,927$207,293$195,391$184,182$173,629$165,149
7 years$186,612$174,085$162,371$151,426$141,207$133,060
8 years$161,637$149,223$137,703$127,028$117,145$109,331
9 years$142,223$129,925$118,604$108,199$98,653$91,170
10 years$126,700$114,523$103,402$93,269$84,057$76,901
11 years$114,008$101,953$91,033$81,172$72,292$65,458
12 years$103,439$91,507$80,790$71,199$62,647$56,129
13 years$94,503$82,696$72,180$62,858$54,629$48,420
14 years$86,849$75,168$64,854$55,798$47,888$41,980
15 years$80,223$68,668$58,555$49,762$42,164$36,550
16 years$74,430$63,001$53,088$44,557$37,265$31,936
17 years$69,325$58,022$48,308$40,034$33,041$27,989
18 years$64,791$53,615$44,099$36,078$29,379$24,594
19 years$60,740$49,690$40,371$32,600$26,186$21,660
20 years$57,098$46,174$37,050$29,526$23,390$19,112
21 years$53,807$43,009$34,079$26,796$20,931$16,893
22 years$50,820$40,148$31,409$24,364$18,762$14,954
23 years$48,096$37,549$29,001$22,189$16,842$13,254
24 years$45,603$35,181$26,821$20,237$15,138$11,761
25 years$43,313$33,016$24,841$18,482$13,622$10,446
26 years$41,203$31,029$23,039$16,899$12,270$9,287
27 years$39,252$29,202$21,394$15,468$11,062$8,262
28 years$37,444$27,517$19,888$14,172$9,982$7,356
29 years$35,763$25,959$18,508$12,996$9,013$6,553
30 years$34,198$24,516$17,239$11,927$8,144$5,841
31 years$32,736$23,176$16,072$10,954$7,363$5,209
32 years$31,368$21,929$14,995$10,067$6,660$4,647
33 years$30,086$20,767$14,001$9,258$6,028$4,147
34 years$28,882$19,682$13,082$8,518$5,457$3,702
35 years$27,750$18,668$12,231$7,841$4,943$3,306
36 years$26,682$17,719$11,441$7,221$4,479$2,953
37 years$25,675$16,829$10,709$6,654$4,059$2,639
38 years$24,723$15,994$10,028$6,133$3,680$2,358
39 years$23,822$15,208$9,396$5,655$3,337$2,108
40 years$22,968$14,469$8,807$5,216$3,027$1,884
41 years$22,158$13,774$8,258$4,812$2,746$1,685
42 years$21,389$13,117$7,746$4,441$2,492$1,507
43 years$20,657$12,498$7,269$4,100$2,261$1,347
44 years$19,961$11,913$6,823$3,785$2,053$1,205
45 years$19,297$11,361$6,406$3,496$1,863$1,078
46 years$18,664$10,838$6,017$3,229$1,692$965
47 years$18,060$10,342$5,653$2,983$1,536$863
48 years$17,483$9,873$5,312$2,757$1,395$772
49 years$16,931$9,428$4,993$2,548$1,267$691
50 years$16,403$9,006$4,694$2,355$1,151$618

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 $4,639 every year, while hoping to spend $45,702 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: 55/22/23 Blend
34$16,800,000$16,800,000$16,800,000$16,800,000
35$18,518,385$17,627,985$17,367,585$19,420,185
36$20,358,634$18,443,130$17,900,773$20,854,403
37$22,385,056$19,296,685$18,450,290$22,410,339
38$24,616,594$20,190,484$19,016,637$24,103,886
39$27,074,118$21,126,450$19,600,326$25,948,261
40$29,780,629$22,106,597$20,201,888$27,957,995
41$32,761,470$23,133,037$20,821,868$30,149,066
42$36,044,568$24,207,984$21,460,828$32,539,046
43$39,660,697$25,333,758$22,119,349$35,147,259
44$43,643,768$26,512,792$22,798,028$37,994,963
45$48,031,149$27,747,636$23,497,478$41,105,542
46$52,864,019$29,040,962$24,218,336$44,504,720
47$58,187,752$30,395,572$24,961,253$48,220,803
48$64,052,351$31,814,404$25,726,904$52,284,934
49$70,512,918$33,300,536$26,515,982$56,731,386
50$77,630,169$34,857,197$27,329,201$61,597,876
51$85,471,016$36,487,769$28,167,299$66,925,913
52$94,109,190$38,195,800$29,031,034$72,761,186
53$103,625,942$39,985,009$29,921,188$79,153,985
54$114,110,807$41,859,294$30,838,567$86,159,668
55$125,662,452$43,822,742$31,784,002$93,839,179
56$138,389,604$45,879,637$32,758,347$102,259,608
57$152,412,076$48,034,472$33,762,485$111,494,823
58$167,861,903$50,291,957$34,797,323$121,626,151
59$184,884,582$52,657,027$35,863,798$132,743,140
60$203,640,449$55,134,861$36,962,875$144,944,394
61$224,306,189$57,730,883$38,095,545$158,338,491
62$247,076,509$60,450,785$39,262,835$173,044,999
63$272,165,970$63,300,531$40,465,797$189,195,593
64$299,811,018$66,286,376$41,705,521$206,935,282
65$330,272,211$69,414,878$42,983,124$226,423,771
66$363,836,680$72,692,910$44,299,762$247,836,953
67$400,820,841$76,127,682$45,656,624$271,368,552
68$441,573,380$79,726,752$47,054,935$297,231,943
69$486,478,546$83,498,044$48,495,956$325,662,149
70$535,959,776$87,449,867$49,980,989$356,918,042
71$590,483,695$91,590,932$51,511,374$391,284,773
72$650,564,519$95,930,374$53,088,492$429,076,443
73$716,768,908$100,477,771$54,713,764$470,639,056
74$789,721,319$105,243,165$56,388,658$516,353,761
75$870,109,899$110,237,085$58,114,683$566,640,432
76$958,692,980$115,470,573$59,893,396$621,961,613
77$1,056,306,238$120,955,206$61,726,400$682,826,862
78$1,163,870,587$126,703,123$63,615,346$749,797,537
79$1,282,400,863$132,727,053$65,561,937$823,492,075
80$1,413,015,416$139,040,343$67,567,926$904,591,804
81$1,556,946,657$145,656,988$69,635,121$993,847,348
82$1,715,552,701$152,591,665$71,765,382$1,092,085,691
83$1,890,330,181$159,859,762$73,960,627$1,200,217,950
84$2,082,928,385$167,477,416$76,222,833$1,319,247,952
85$2,295,164,818$175,461,547$78,554,036$1,450,281,676
86$2,529,042,365$183,829,899$80,956,332$1,594,537,666
87$2,786,768,201$192,601,078$83,431,884$1,753,358,498
88$3,070,774,623$201,794,596$85,982,917$1,928,223,419
89$3,383,742,016$211,430,913$88,611,726$2,120,762,279
90$3,728,624,157$221,531,483$91,320,675$2,332,770,876
91$4,108,676,100$232,118,805$94,112,197$2,566,227,870
92$4,527,484,909$243,216,473$96,988,802$2,823,313,421
93$4,989,003,517$254,849,227$99,953,074$3,106,429,728
94$5,497,588,051$267,043,014$103,007,677$3,418,223,659
95$6,058,038,951$279,825,041$106,155,353$3,761,611,695
96$6,675,646,296$293,223,840$109,398,930$4,139,807,408
97$7,356,239,743$307,269,333$112,741,318$4,556,351,752
98$8,106,243,563$321,992,897$116,185,519$5,015,146,433
99$8,932,737,295$337,427,437$119,734,622$5,520,490,688
100$9,843,522,580$353,607,462$123,391,813$6,077,121,813