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%
1 years$1,395,586$1,383,155$1,371,027$1,359,189$1,347,630$1,325,304
2 years$690,884$678,017$665,547$653,456$641,728$619,301
3 years$456,014$443,092$430,653$418,676$407,139$385,308
4 years$338,602$325,719$313,405$301,632$290,375$269,308
5 years$268,174$255,368$243,215$231,683$220,738$200,497
6 years$221,236$208,527$196,554$185,278$174,663$155,269
7 years$187,723$175,121$163,337$152,328$142,048$123,508
8 years$162,599$150,111$138,523$127,784$117,842$100,153
9 years$143,069$130,698$119,310$108,843$99,240$82,392
10 years$127,454$115,204$104,017$93,824$84,558$68,536
11 years$114,686$102,560$91,575$81,655$72,722$57,511
12 years$104,054$92,052$81,270$71,622$63,020$48,598
13 years$95,065$83,188$72,610$63,232$54,954$41,301
14 years$87,366$75,616$65,240$56,130$48,173$35,265
15 years$80,700$69,076$58,903$50,058$42,415$30,229
16 years$74,873$63,376$53,404$44,822$37,487$25,996
17 years$69,737$58,367$48,596$40,272$33,238$22,418
18 years$65,177$53,934$44,362$36,293$29,554$19,377
19 years$61,101$49,985$40,611$32,794$26,342$16,783
20 years$57,438$46,449$37,271$29,701$23,529$14,560
21 years$54,127$43,265$34,282$26,956$21,056$12,650
22 years$51,122$40,386$31,596$24,509$18,874$11,004
23 years$48,382$37,773$29,173$22,321$16,942$9,583
24 years$45,874$35,391$26,980$20,358$15,228$8,353
25 years$43,571$33,212$24,989$18,592$13,703$7,287
26 years$41,448$31,214$23,176$17,000$12,343$6,361
27 years$39,485$29,376$21,521$15,560$11,128$5,557
28 years$37,666$27,681$20,007$14,256$10,041$4,857
29 years$35,976$26,114$18,618$13,073$9,067$4,246
30 years$34,401$24,662$17,342$11,998$8,193$3,715
31 years$32,931$23,314$16,167$11,019$7,407$3,250
32 years$31,555$22,059$15,084$10,127$6,700$2,845
33 years$30,265$20,891$14,084$9,313$6,064$2,491
34 years$29,054$19,800$13,160$8,568$5,490$2,181
35 years$27,915$18,780$12,303$7,888$4,972$1,911
36 years$26,841$17,825$11,510$7,264$4,505$1,674
37 years$25,828$16,929$10,773$6,693$4,083$1,467
38 years$24,870$16,089$10,088$6,169$3,702$1,285
39 years$23,964$15,299$9,452$5,688$3,357$1,127
40 years$23,105$14,556$8,859$5,247$3,045$988
41 years$22,290$13,856$8,307$4,841$2,762$866
42 years$21,516$13,196$7,792$4,467$2,507$759
43 years$20,780$12,573$7,312$4,124$2,275$665
44 years$20,080$11,984$6,863$3,808$2,065$583
45 years$19,412$11,428$6,445$3,517$1,875$512
46 years$18,775$10,902$6,053$3,248$1,702$449
47 years$18,168$10,404$5,687$3,001$1,545$393
48 years$17,587$9,932$5,344$2,773$1,404$345
49 years$17,032$9,484$5,023$2,563$1,275$303
50 years$16,500$9,060$4,722$2,369$1,158$265

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 $3,251 every year, while hoping to spend $23,427 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: 49/41/10 Blend
34$16,900,000$16,900,000$16,900,000$16,900,000
35$18,627,153$17,731,453$17,469,503$19,489,638
36$20,502,197$18,575,368$18,029,806$20,925,067
37$22,567,710$19,459,850$18,608,093$22,480,633
38$24,843,095$20,386,862$19,204,943$24,169,738
39$27,349,734$21,358,461$19,820,952$26,004,874
40$30,111,188$22,376,807$20,456,735$27,999,756
41$33,153,422$23,444,164$21,112,928$30,169,444
42$36,505,047$24,562,904$21,790,187$32,530,475
43$40,197,592$25,735,516$22,489,189$35,101,015
44$44,265,801$26,964,611$23,210,631$37,901,021
45$48,747,961$28,252,925$23,955,236$40,952,417
46$53,686,263$29,603,329$24,723,746$44,279,299
47$59,127,202$31,018,831$25,516,931$47,908,145
48$65,122,012$32,502,589$26,335,584$51,868,060
49$71,727,153$34,057,912$27,180,522$56,191,041
50$79,004,843$35,688,271$28,052,590$60,912,264
51$87,023,646$37,397,305$28,952,661$66,070,407
52$95,859,117$39,188,832$29,881,634$71,708,003
53$105,594,516$41,066,853$30,840,437$77,871,829
54$116,321,595$43,035,568$31,830,031$84,613,334
55$128,141,464$45,099,377$32,851,403$91,989,110
56$141,165,544$47,262,897$33,905,576$100,061,415
57$155,516,621$49,530,971$34,993,604$108,898,739
58$171,330,001$51,908,673$36,116,575$118,576,444
59$188,754,793$54,401,330$37,275,612$129,177,450
60$207,955,312$57,014,524$38,471,874$140,793,006
61$229,112,630$59,754,112$39,706,558$153,523,531
62$252,426,290$62,626,236$40,980,900$167,479,540
63$278,116,184$65,637,334$42,296,173$182,782,676
64$306,424,634$68,794,163$43,653,694$199,566,826
65$337,618,675$72,103,804$45,054,820$217,979,371
66$371,992,577$75,573,689$46,500,955$238,182,554
67$409,870,627$79,211,606$47,993,544$260,354,980
68$451,610,184$83,025,728$49,534,081$284,693,287
69$497,605,058$87,024,624$51,124,107$311,413,969
70$548,289,224$91,217,281$52,765,215$340,755,394
71$604,140,921$95,613,124$54,459,046$372,980,024
72$665,687,167$100,222,038$56,207,296$408,376,866
73$733,508,731$105,054,392$58,011,713$447,264,164
74$808,245,622$110,121,057$59,874,106$489,992,372
75$890,603,123$115,433,437$61,796,336$536,947,427
76$981,358,458$121,003,492$63,780,330$588,554,357
77$1,081,368,123$126,843,764$65,828,073$645,281,252
78$1,191,575,973$132,967,410$67,941,615$707,643,646
79$1,313,022,135$139,388,226$70,123,072$776,209,339
80$1,446,852,826$146,120,683$72,374,628$851,603,714
81$1,594,331,174$153,179,956$74,698,538$934,515,598
82$1,756,849,144$160,581,964$77,097,129$1,025,703,707
83$1,935,940,676$168,343,400$79,572,802$1,126,003,770
84$2,133,296,172$176,481,773$82,128,038$1,236,336,355
85$2,350,778,449$185,015,448$84,765,395$1,357,715,509
86$2,590,440,329$193,963,683$87,487,514$1,491,258,273
87$2,854,544,020$203,346,680$90,297,123$1,638,195,161
88$3,145,582,468$213,185,626$93,197,035$1,799,881,721
89$3,466,302,899$223,502,741$96,190,155$1,977,811,256
90$3,819,732,751$234,321,332$99,279,481$2,173,628,855
91$4,209,208,258$245,665,843$102,468,110$2,389,146,852
92$4,638,405,943$257,561,912$105,759,234$2,626,361,853
93$5,111,377,332$270,036,429$109,156,152$2,887,473,509
94$5,632,587,204$283,117,598$112,662,267$3,174,905,190
95$6,206,955,739$296,835,000$116,281,093$3,491,326,783
96$6,839,904,970$311,219,661$120,016,256$3,839,679,796
97$7,537,409,975$326,304,123$123,871,498$4,223,205,034
98$8,306,055,284$342,122,516$127,850,684$4,645,473,092
99$9,153,097,043$358,710,639$131,957,802$5,110,417,952
100$10,086,531,521$376,106,040$136,196,968$5,622,374,014