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%19.2%
1 years$1,395,586$1,383,155$1,371,027$1,359,189$1,347,630$1,297,751
2 years$690,884$678,017$665,547$653,456$641,728$592,040
3 years$456,014$443,092$430,653$418,676$407,139$359,203
4 years$338,602$325,719$313,405$301,632$290,375$244,557
5 years$268,174$255,368$243,215$231,683$220,738$177,158
6 years$221,236$208,527$196,554$185,278$174,663$133,351
7 years$187,723$175,121$163,337$152,328$142,048$102,993
8 years$162,599$150,111$138,523$127,784$117,842$81,010
9 years$143,069$130,698$119,310$108,843$99,240$64,579
10 years$127,454$115,204$104,017$93,824$84,558$52,006
11 years$114,686$102,560$91,575$81,655$72,722$42,210
12 years$104,054$92,052$81,270$71,622$63,020$34,471
13 years$95,065$83,188$72,610$63,232$54,954$28,288
14 years$87,366$75,616$65,240$56,130$48,173$23,305
15 years$80,700$69,076$58,903$50,058$42,415$19,261
16 years$74,873$63,376$53,404$44,822$37,487$15,960
17 years$69,737$58,367$48,596$40,272$33,238$13,253
18 years$65,177$53,934$44,362$36,293$29,554$11,024
19 years$61,101$49,985$40,611$32,794$26,342$9,182
20 years$57,438$46,449$37,271$29,701$23,529$7,658
21 years$54,127$43,265$34,282$26,956$21,056$6,393
22 years$51,122$40,386$31,596$24,509$18,874$5,341
23 years$48,382$37,773$29,173$22,321$16,942$4,465
24 years$45,874$35,391$26,980$20,358$15,228$3,735
25 years$43,571$33,212$24,989$18,592$13,703$3,126
26 years$41,448$31,214$23,176$17,000$12,343$2,617
27 years$39,485$29,376$21,521$15,560$11,128$2,192
28 years$37,666$27,681$20,007$14,256$10,041$1,836
29 years$35,976$26,114$18,618$13,073$9,067$1,539
30 years$34,401$24,662$17,342$11,998$8,193$1,290
31 years$32,931$23,314$16,167$11,019$7,407$1,081
32 years$31,555$22,059$15,084$10,127$6,700$906
33 years$30,265$20,891$14,084$9,313$6,064$760
34 years$29,054$19,800$13,160$8,568$5,490$637
35 years$27,915$18,780$12,303$7,888$4,972$534
36 years$26,841$17,825$11,510$7,264$4,505$448
37 years$25,828$16,929$10,773$6,693$4,083$376
38 years$24,870$16,089$10,088$6,169$3,702$315
39 years$23,964$15,299$9,452$5,688$3,357$264
40 years$23,105$14,556$8,859$5,247$3,045$222
41 years$22,290$13,856$8,307$4,841$2,762$186
42 years$21,516$13,196$7,792$4,467$2,507$156
43 years$20,780$12,573$7,312$4,124$2,275$131
44 years$20,080$11,984$6,863$3,808$2,065$110
45 years$19,412$11,428$6,445$3,517$1,875$92
46 years$18,775$10,902$6,053$3,248$1,702$77
47 years$18,168$10,404$5,687$3,001$1,545$65
48 years$17,587$9,932$5,344$2,773$1,404$54
49 years$17,032$9,484$5,023$2,563$1,275$46
50 years$16,500$9,060$4,722$2,369$1,158$38

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 $6,532 every year, while hoping to spend $23,380 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: 62/8/30 Blend
34$16,900,000$16,900,000$16,900,000$16,900,000
35$18,630,538$17,734,838$17,472,888$19,634,385
36$20,505,976$18,578,969$18,033,353$21,162,812
37$22,571,926$19,463,678$18,611,811$22,828,008
38$24,847,795$20,390,931$19,208,839$24,645,958
39$27,354,968$21,362,784$19,825,033$26,631,633
40$30,117,013$22,381,399$20,461,010$28,801,505
41$33,159,900$23,449,039$21,117,405$31,173,707
42$36,512,245$24,568,078$21,794,874$33,768,194
43$40,205,587$25,741,006$22,494,094$36,606,931
44$44,274,675$26,970,434$23,215,765$39,714,097
45$48,757,806$28,259,099$23,960,608$43,116,313
46$53,697,181$29,609,874$24,729,367$46,842,882
47$59,139,304$31,025,768$25,522,810$50,926,069
48$65,135,420$32,509,938$26,341,732$55,401,399
49$71,742,004$34,065,696$27,186,951$60,307,989
50$79,021,287$35,696,513$28,059,312$65,688,910
51$87,041,846$37,406,031$28,959,688$71,591,595
52$95,879,255$39,198,067$29,888,978$78,068,277
53$105,616,793$41,076,626$30,848,112$85,176,479
54$116,346,232$43,045,906$31,838,050$92,979,556
55$128,168,704$45,110,313$32,859,781$101,547,280
56$141,195,656$47,274,462$33,914,328$110,956,502
57$155,549,900$49,543,197$35,002,745$121,291,864
58$171,366,774$51,921,598$36,126,121$132,646,599
59$188,795,419$54,414,990$37,285,580$145,123,401
60$208,000,186$57,028,959$38,482,281$158,835,392
61$229,162,190$59,769,363$39,717,423$173,907,177
62$252,481,017$62,642,346$40,992,240$190,476,021
63$278,176,609$65,654,349$42,308,009$208,693,135
64$306,491,341$68,812,131$43,666,045$228,725,093
65$337,692,309$72,122,776$45,067,708$250,755,401
66$372,073,849$75,593,716$46,514,401$274,986,222
67$409,960,320$79,232,746$48,007,571$301,640,272
68$451,709,160$83,048,039$49,548,713$330,962,918
69$497,714,269$87,048,167$51,139,369$363,224,486
70$548,409,718$91,242,121$52,781,132$398,722,798
71$604,273,854$95,639,329$54,475,644$437,785,981
72$665,833,811$100,249,681$56,224,603$480,775,550
73$733,670,491$105,083,546$58,029,758$528,089,814
74$808,424,043$110,151,802$59,892,917$580,167,623
75$890,799,911$115,465,856$61,815,946$637,492,498
76$981,575,492$121,037,673$63,800,769$700,597,190
77$1,081,607,472$126,879,799$65,849,375$770,068,690
78$1,191,839,919$133,005,394$67,963,814$846,553,766
79$1,313,313,194$139,428,261$70,146,205$930,765,045
80$1,447,173,768$146,162,875$72,398,732$1,023,487,739
81$1,594,685,055$153,224,418$74,723,651$1,125,587,033
82$1,757,239,328$160,628,812$77,123,291$1,238,016,244
83$1,936,370,875$168,392,759$79,600,056$1,361,825,805
84$2,133,770,472$176,533,772$82,156,427$1,498,173,163
85$2,351,301,356$185,070,223$84,794,963$1,648,333,689
86$2,591,016,809$194,021,379$87,518,309$1,813,712,706
87$2,855,179,544$203,407,446$90,329,192$1,995,858,731
88$3,146,283,066$213,249,620$93,230,429$2,196,478,080
89$3,467,075,217$223,570,130$96,224,927$2,417,450,954
90$3,820,584,113$234,392,289$99,315,685$2,660,849,170
91$4,210,146,733$245,740,552$102,505,801$2,928,955,699
92$4,639,440,427$257,640,566$105,798,472$3,224,286,198
93$5,112,517,627$270,119,231$109,196,998$3,549,612,730
94$5,633,844,111$283,204,759$112,704,784$3,907,989,918
95$6,208,341,162$296,926,744$116,325,345$4,302,783,752
96$6,841,432,028$311,316,222$120,062,312$4,737,703,344
97$7,539,093,124$326,405,746$123,919,429$5,216,835,913
98$8,307,910,456$342,229,461$127,900,563$5,744,685,344
99$9,155,141,795$358,823,177$132,009,704$6,326,214,682
100$10,088,785,202$376,224,456$136,250,973$6,966,892,951