Can I retire at age 35 with 16,900,000?

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 $16,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$1,395,586$1,383,155$1,371,027$1,359,189$1,347,630$1,320,960
2 years$690,884$678,017$665,547$653,456$641,728$614,972
3 years$456,014$443,092$430,653$418,676$407,139$381,130
4 years$338,602$325,719$313,405$301,632$290,375$265,314
5 years$268,174$255,368$243,215$231,683$220,738$196,697
6 years$221,236$208,527$196,554$185,278$174,663$151,666
7 years$187,723$175,121$163,337$152,328$142,048$120,102
8 years$162,599$150,111$138,523$127,784$117,842$96,941
9 years$143,069$130,698$119,310$108,843$99,240$79,369
10 years$127,454$115,204$104,017$93,824$84,558$65,698
11 years$114,686$102,560$91,575$81,655$72,722$54,852
12 years$104,054$92,052$81,270$71,622$63,020$46,113
13 years$95,065$83,188$72,610$63,232$54,954$38,983
14 years$87,366$75,616$65,240$56,130$48,173$33,106
15 years$80,700$69,076$58,903$50,058$42,415$28,222
16 years$74,873$63,376$53,404$44,822$37,487$24,134
17 years$69,737$58,367$48,596$40,272$33,238$20,694
18 years$65,177$53,934$44,362$36,293$29,554$17,783
19 years$61,101$49,985$40,611$32,794$26,342$15,311
20 years$57,438$46,449$37,271$29,701$23,529$13,204
21 years$54,127$43,265$34,282$26,956$21,056$11,402
22 years$51,122$40,386$31,596$24,509$18,874$9,858
23 years$48,382$37,773$29,173$22,321$16,942$8,532
24 years$45,874$35,391$26,980$20,358$15,228$7,390
25 years$43,571$33,212$24,989$18,592$13,703$6,406
26 years$41,448$31,214$23,176$17,000$12,343$5,557
27 years$39,485$29,376$21,521$15,560$11,128$4,823
28 years$37,666$27,681$20,007$14,256$10,041$4,188
29 years$35,976$26,114$18,618$13,073$9,067$3,638
30 years$34,401$24,662$17,342$11,998$8,193$3,161
31 years$32,931$23,314$16,167$11,019$7,407$2,748
32 years$31,555$22,059$15,084$10,127$6,700$2,389
33 years$30,265$20,891$14,084$9,313$6,064$2,078
34 years$29,054$19,800$13,160$8,568$5,490$1,808
35 years$27,915$18,780$12,303$7,888$4,972$1,573
36 years$26,841$17,825$11,510$7,264$4,505$1,369
37 years$25,828$16,929$10,773$6,693$4,083$1,191
38 years$24,870$16,089$10,088$6,169$3,702$1,037
39 years$23,964$15,299$9,452$5,688$3,357$902
40 years$23,105$14,556$8,859$5,247$3,045$786
41 years$22,290$13,856$8,307$4,841$2,762$684
42 years$21,516$13,196$7,792$4,467$2,507$596
43 years$20,780$12,573$7,312$4,124$2,275$519
44 years$20,080$11,984$6,863$3,808$2,065$452
45 years$19,412$11,428$6,445$3,517$1,875$393
46 years$18,775$10,902$6,053$3,248$1,702$342
47 years$18,168$10,404$5,687$3,001$1,545$298
48 years$17,587$9,932$5,344$2,773$1,404$260
49 years$17,032$9,484$5,023$2,563$1,275$226
50 years$16,500$9,060$4,722$2,369$1,158$197

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $16,900,000, adding $5,912 every year, while hoping to spend $32,704 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: 71/11/18 Blend
34$16,900,000$16,900,000$16,900,000$16,900,000
35$18,629,898$17,734,198$17,472,248$19,872,605
36$20,495,351$18,568,377$18,022,772$21,534,271
37$22,549,984$19,442,335$18,590,642$23,348,436
38$24,813,059$20,357,986$19,176,405$25,333,832
39$27,305,801$21,317,337$19,780,624$27,507,404
40$30,051,600$22,322,494$20,403,883$29,887,802
41$33,076,230$23,375,662$21,046,779$32,495,560
42$36,408,091$24,479,156$21,709,933$35,353,282
43$40,078,483$25,635,401$22,393,981$38,485,853
44$44,121,892$26,846,940$23,099,584$41,920,674
45$48,576,325$28,116,440$23,827,420$45,687,916
46$53,483,661$29,446,696$24,578,189$49,820,799
47$58,890,050$30,840,640$25,352,614$54,355,904
48$64,846,349$32,301,345$26,151,441$59,333,518
49$71,408,600$33,832,035$26,975,438$64,798,002
50$78,638,561$35,436,088$27,825,398$70,798,215
51$86,604,285$37,117,047$28,702,140$77,387,966
52$95,380,769$38,878,629$29,606,508$84,626,516
53$105,050,653$40,724,727$30,539,372$92,579,140
54$115,705,008$42,659,427$31,501,629$101,317,730
55$127,444,191$44,687,012$32,494,207$110,921,475
56$140,378,796$46,811,973$33,518,060$121,477,600
57$154,630,692$49,039,018$34,574,174$133,082,187
58$170,334,179$51,373,087$35,663,565$145,841,074
59$187,637,253$53,819,356$36,787,282$159,870,847
60$206,703,004$56,383,256$37,946,407$175,299,940
61$227,711,155$59,070,479$39,142,056$192,269,836
62$250,859,756$61,886,996$40,375,379$210,936,397
63$276,367,060$64,839,068$41,647,563$231,471,331
64$304,473,577$67,933,259$42,959,832$254,063,805
65$335,444,346$71,176,453$44,313,451$278,922,219
66$369,571,439$74,575,869$45,709,722$306,276,172
67$407,176,717$78,139,077$47,149,988$336,378,617
68$448,614,866$81,874,016$48,635,637$369,508,244
69$494,276,749$85,789,010$50,168,097$405,972,098
70$544,593,094$89,892,788$51,748,845$446,108,469
71$600,038,560$94,194,505$53,379,402$490,290,082
72$661,136,218$98,703,760$55,061,337$538,927,597
73$728,462,489$103,430,622$56,796,269$592,473,481
74$802,652,587$108,385,646$58,585,868$651,426,266
75$884,406,514$113,579,905$60,431,856$716,335,247
76$974,495,666$119,025,009$62,336,012$787,805,650
77$1,073,770,122$124,733,132$64,300,166$866,504,340
78$1,183,166,664$130,717,045$66,326,211$953,166,098
79$1,303,717,620$136,990,137$68,416,096$1,048,600,549
80$1,436,560,615$143,566,451$70,571,832$1,153,699,786
81$1,582,949,304$150,460,714$72,795,496$1,269,446,782
82$1,744,265,215$157,688,370$75,089,226$1,396,924,649
83$1,922,030,783$165,265,617$77,455,232$1,537,326,854
84$2,117,923,731$173,209,440$79,895,790$1,691,968,464
85$2,333,792,902$181,537,653$82,413,249$1,862,298,544
86$2,571,675,719$190,268,939$85,010,034$2,049,913,820
87$2,833,817,415$199,422,890$87,688,643$2,256,573,735
88$3,122,692,233$209,020,053$90,451,655$2,484,217,038
89$3,441,026,785$219,081,980$93,301,729$2,734,980,063
90$3,791,825,789$229,631,268$96,241,608$3,011,216,884
91$4,178,400,440$240,691,622$99,274,124$3,315,521,506
92$4,604,399,672$252,287,898$102,402,193$3,650,752,340
93$5,073,844,600$264,446,167$105,628,829$4,020,059,156
94$5,591,166,491$277,193,770$108,957,135$4,426,912,799
95$6,161,248,590$290,559,382$112,390,317$4,875,137,923
96$6,789,472,232$304,573,078$115,931,679$5,368,949,078
97$7,481,767,639$319,266,398$119,584,629$5,912,990,461
98$8,244,669,908$334,672,421$123,352,684$6,512,379,737
99$9,085,380,711$350,825,842$127,239,471$7,172,756,314
100$10,011,836,281$367,763,046$131,248,731$7,900,334,556