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

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 $16,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$1,395,586$1,383,155$1,371,027$1,359,189$1,347,630$1,322,043
2 years$690,884$678,017$665,547$653,456$641,728$616,050
3 years$456,014$443,092$430,653$418,676$407,139$382,169
4 years$338,602$325,719$313,405$301,632$290,375$266,306
5 years$268,174$255,368$243,215$231,683$220,738$197,639
6 years$221,236$208,527$196,554$185,278$174,663$152,559
7 years$187,723$175,121$163,337$152,328$142,048$120,944
8 years$162,599$150,111$138,523$127,784$117,842$97,734
9 years$143,069$130,698$119,310$108,843$99,240$80,115
10 years$127,454$115,204$104,017$93,824$84,558$66,397
11 years$114,686$102,560$91,575$81,655$72,722$55,506
12 years$104,054$92,052$81,270$71,622$63,020$46,723
13 years$95,065$83,188$72,610$63,232$54,954$39,550
14 years$87,366$75,616$65,240$56,130$48,173$33,634
15 years$80,700$69,076$58,903$50,058$42,415$28,711
16 years$74,873$63,376$53,404$44,822$37,487$24,588
17 years$69,737$58,367$48,596$40,272$33,238$21,113
18 years$65,177$53,934$44,362$36,293$29,554$18,170
19 years$61,101$49,985$40,611$32,794$26,342$15,667
20 years$57,438$46,449$37,271$29,701$23,529$13,531
21 years$54,127$43,265$34,282$26,956$21,056$11,703
22 years$51,122$40,386$31,596$24,509$18,874$10,133
23 years$48,382$37,773$29,173$22,321$16,942$8,784
24 years$45,874$35,391$26,980$20,358$15,228$7,621
25 years$43,571$33,212$24,989$18,592$13,703$6,616
26 years$41,448$31,214$23,176$17,000$12,343$5,748
27 years$39,485$29,376$21,521$15,560$11,128$4,997
28 years$37,666$27,681$20,007$14,256$10,041$4,346
29 years$35,976$26,114$18,618$13,073$9,067$3,782
30 years$34,401$24,662$17,342$11,998$8,193$3,292
31 years$32,931$23,314$16,167$11,019$7,407$2,866
32 years$31,555$22,059$15,084$10,127$6,700$2,496
33 years$30,265$20,891$14,084$9,313$6,064$2,175
34 years$29,054$19,800$13,160$8,568$5,490$1,895
35 years$27,915$18,780$12,303$7,888$4,972$1,651
36 years$26,841$17,825$11,510$7,264$4,505$1,439
37 years$25,828$16,929$10,773$6,693$4,083$1,255
38 years$24,870$16,089$10,088$6,169$3,702$1,094
39 years$23,964$15,299$9,452$5,688$3,357$954
40 years$23,105$14,556$8,859$5,247$3,045$832
41 years$22,290$13,856$8,307$4,841$2,762$726
42 years$21,516$13,196$7,792$4,467$2,507$633
43 years$20,780$12,573$7,312$4,124$2,275$552
44 years$20,080$11,984$6,863$3,808$2,065$481
45 years$19,412$11,428$6,445$3,517$1,875$420
46 years$18,775$10,902$6,053$3,248$1,702$366
47 years$18,168$10,404$5,687$3,001$1,545$320
48 years$17,587$9,932$5,344$2,773$1,404$279
49 years$17,032$9,484$5,023$2,563$1,275$243
50 years$16,500$9,060$4,722$2,369$1,158$212

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 $3,711 every year, while hoping to spend $46,337 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: 62/18/20 Blend
34$16,900,000$16,900,000$16,900,000$16,900,000
35$18,627,628$17,731,928$17,469,978$19,686,026
36$20,478,344$18,551,490$18,005,920$21,220,223
37$22,516,280$19,409,658$18,558,263$22,888,953
38$24,760,483$20,308,274$19,127,508$24,709,748
39$27,231,943$21,249,270$19,714,170$26,697,420
40$29,953,787$22,234,670$20,318,780$28,868,263
41$32,951,501$23,266,597$20,941,887$31,240,205
42$36,253,168$24,347,274$21,584,055$33,832,968
43$39,889,735$25,479,034$22,245,864$36,668,259
44$43,895,302$26,664,321$22,927,915$39,769,960
45$48,307,447$27,905,697$23,630,824$43,164,358
46$53,167,577$29,205,846$24,355,227$46,880,384
47$58,521,323$30,567,586$25,101,780$50,949,880
48$64,418,966$31,993,866$25,871,158$55,407,898
49$70,915,916$33,487,781$26,664,057$60,293,025
50$78,073,230$35,052,573$27,481,194$65,647,738
51$85,958,194$36,691,643$28,323,308$71,518,803
52$94,644,950$38,408,554$29,191,159$77,957,709
53$104,215,205$40,207,043$30,085,533$85,021,149
54$114,758,994$42,091,027$31,007,237$92,771,545
55$126,375,536$44,064,612$31,957,104$101,277,635
56$139,174,166$46,132,103$32,935,992$110,615,111
57$153,275,368$48,298,013$33,944,785$120,867,328
58$168,811,914$50,567,074$34,984,394$132,126,084
59$185,930,115$52,944,247$36,055,757$144,492,474
60$204,791,204$55,434,731$37,159,841$158,077,841
61$225,572,854$58,043,981$38,297,643$173,004,815
62$248,470,860$60,777,711$39,470,190$189,408,463
63$273,700,985$63,641,916$40,678,538$207,437,552
64$301,500,994$66,642,878$41,923,778$227,255,946
65$332,132,903$69,787,187$43,207,032$249,044,140
66$365,885,450$73,081,750$44,529,458$273,000,956
67$403,076,819$76,533,808$45,892,248$299,345,403
68$444,057,645$80,150,956$47,296,629$328,318,738
69$489,214,326$83,941,153$48,743,867$360,186,727
70$538,972,666$87,912,749$50,235,266$395,242,145
71$593,801,899$92,074,495$51,772,168$433,807,520
72$654,219,116$96,435,568$53,355,959$476,238,169
73$720,794,145$101,005,591$54,988,064$522,925,533
74$794,154,935$105,794,652$56,669,951$574,300,862
75$874,993,479$110,813,331$58,403,135$630,839,262
76$964,072,349$116,072,719$60,189,175$693,064,171
77$1,062,231,894$121,584,447$62,029,677$761,552,277
78$1,170,398,173$127,360,711$63,926,298$836,938,948
79$1,289,591,700$133,414,299$65,880,742$919,924,206
80$1,420,937,074$139,758,620$67,894,766$1,011,279,316
81$1,565,673,596$146,407,733$69,970,182$1,111,854,050
82$1,725,166,973$153,376,383$72,108,854$1,222,584,683
83$1,900,922,208$160,680,028$74,312,703$1,344,502,809
84$2,094,597,804$168,334,881$76,583,710$1,478,745,055
85$2,308,021,429$176,357,939$78,923,914$1,626,563,789
86$2,543,207,166$184,767,029$81,335,415$1,789,338,912
87$2,802,374,525$193,580,842$83,820,381$1,968,590,862
88$3,087,969,403$202,818,979$86,381,039$2,165,994,935
89$3,402,687,167$212,501,995$89,019,689$2,383,397,069
90$3,749,498,107$222,651,441$91,738,698$2,622,831,247
91$4,131,675,474$233,289,922$94,540,504$2,886,538,655
92$4,552,826,382$244,441,137$97,427,620$3,176,988,814
93$5,016,925,863$256,129,943$100,402,635$3,496,902,854
94$5,528,354,393$268,382,402$103,468,216$3,849,279,164
95$6,091,939,249$281,225,848$106,627,109$4,237,421,663
96$6,713,000,081$294,688,943$109,882,146$4,664,970,946
97$7,397,399,133$308,801,745$113,236,242$5,135,938,611
98$8,151,596,589$323,595,775$116,692,400$5,654,745,089
99$8,982,711,562$339,104,089$120,253,717$6,226,261,324
100$9,898,589,305$355,361,353$123,923,379$6,855,854,712