Can I retire at age 35 with 17,000,000?

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 $17,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,403,844$1,391,339$1,379,139$1,367,231$1,355,604$1,335,346
2 years$694,972$682,029$669,485$657,323$645,526$625,162
3 years$458,713$445,714$433,201$421,153$409,548$389,712
4 years$340,606$327,647$315,260$303,417$292,093$272,937
5 years$269,760$256,879$244,654$233,053$222,044$203,625
6 years$222,546$209,761$197,717$186,375$175,696$158,034
7 years$188,834$176,157$164,304$153,229$142,888$125,989
8 years$163,562$150,999$139,343$128,540$118,539$102,401
9 years$143,916$131,472$120,016$109,487$99,827$84,441
10 years$128,208$115,886$104,632$94,379$85,058$70,413
11 years$115,365$103,166$92,117$82,138$73,153$59,234
12 years$104,670$92,597$81,751$72,046$63,393$50,183
13 years$95,628$83,680$73,039$63,606$55,280$42,760
14 years$87,883$76,063$65,626$56,462$48,458$36,609
15 years$81,178$69,485$59,252$50,355$42,666$31,467
16 years$75,316$63,751$53,720$45,087$37,708$27,137
17 years$70,150$58,712$48,883$40,510$33,435$23,468
18 years$65,562$54,253$44,624$36,508$29,729$20,344
19 years$61,463$50,281$40,851$32,988$26,498$17,671
20 years$57,778$46,724$37,491$29,877$23,668$15,377
21 years$54,448$43,521$34,485$27,115$21,180$13,400
22 years$51,425$40,625$31,783$24,654$18,985$11,693
23 years$48,669$37,996$29,346$22,453$17,042$10,214
24 years$46,146$35,600$27,140$20,478$15,318$8,931
25 years$43,829$33,409$25,137$18,702$13,784$7,816
26 years$41,693$31,399$23,313$17,100$12,416$6,845
27 years$39,719$29,550$21,649$15,652$11,194$5,998
28 years$37,889$27,845$20,125$14,341$10,101$5,259
29 years$36,189$26,268$18,728$13,151$9,121$4,614
30 years$34,605$24,808$17,445$12,069$8,241$4,049
31 years$33,126$23,452$16,263$11,085$7,451$3,555
32 years$31,742$22,190$15,174$10,187$6,740$3,122
33 years$30,445$21,014$14,168$9,368$6,099$2,743
34 years$29,226$19,917$13,238$8,619$5,522$2,410
35 years$28,080$18,891$12,376$7,934$5,002$2,118
36 years$27,000$17,930$11,578$7,307$4,532$1,862
37 years$25,981$17,029$10,836$6,733$4,107$1,637
38 years$25,017$16,184$10,148$6,206$3,724$1,439
39 years$24,106$15,389$9,507$5,722$3,377$1,266
40 years$23,242$14,642$8,911$5,278$3,063$1,113
41 years$22,422$13,938$8,356$4,869$2,779$979
42 years$21,643$13,274$7,838$4,494$2,521$862
43 years$20,903$12,647$7,355$4,148$2,288$758
44 years$20,198$12,055$6,904$3,830$2,077$667
45 years$19,527$11,496$6,483$3,537$1,886$587
46 years$18,886$10,967$6,089$3,268$1,712$516
47 years$18,275$10,465$5,720$3,019$1,555$454
48 years$17,691$9,991$5,375$2,790$1,412$400
49 years$17,132$9,541$5,053$2,578$1,282$352
50 years$16,598$9,114$4,750$2,383$1,165$310

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,000,000, adding $3,367 every year, while hoping to spend $44,059 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: 51/32/17 Blend
34$17,000,000$17,000,000$17,000,000$17,000,000
35$18,737,473$17,836,473$17,572,973$19,605,410
36$20,601,817$18,663,582$18,114,789$21,029,743
37$22,654,847$19,529,742$18,673,280$22,572,572
38$24,915,763$20,436,821$19,248,956$24,248,996
39$27,405,722$21,386,776$19,842,347$26,071,654
40$30,148,035$22,381,658$20,453,995$28,054,433
41$33,168,393$23,423,617$21,084,462$30,212,592
42$36,495,103$24,514,908$21,734,326$32,562,899
43$40,159,358$25,657,894$22,404,181$35,123,782
44$44,195,533$26,855,051$23,094,641$37,915,500
45$48,641,506$28,108,977$23,806,339$40,960,324
46$53,539,015$29,422,392$24,539,928$44,282,740
47$58,934,057$30,798,152$25,296,077$47,909,676
48$64,877,316$32,239,246$26,075,481$51,870,743
49$71,424,644$33,748,812$26,878,852$56,198,509
50$78,637,591$35,330,137$27,706,927$60,928,799
51$86,583,978$36,986,666$28,560,462$66,101,021
52$95,338,546$38,722,015$29,440,239$71,758,529
53$104,983,654$40,539,970$30,347,063$77,949,027
54$115,610,061$42,444,503$31,281,764$84,725,000
55$127,317,781$44,439,777$32,245,197$92,144,206
56$140,217,026$46,530,158$33,238,243$100,270,208
57$154,429,249$48,720,222$34,261,810$109,172,959
58$170,088,286$51,014,767$35,316,835$118,929,454
59$187,341,624$53,418,823$36,404,281$129,624,441
60$206,351,788$55,937,664$37,525,143$141,351,210
61$227,297,881$58,576,819$38,680,446$154,212,454
62$250,377,269$61,342,087$39,871,245$168,321,229
63$275,807,447$64,239,546$41,098,628$183,802,004
64$303,828,091$67,275,569$42,363,717$200,791,819
65$334,703,322$70,456,838$43,667,667$219,441,561
66$368,724,197$73,790,359$45,011,670$239,917,370
67$406,211,457$77,283,478$46,396,953$262,402,193
68$447,518,556$80,943,899$47,824,781$287,097,484
69$493,034,994$84,779,695$49,296,457$314,225,091
70$543,190,000$88,799,337$50,813,325$344,029,329
71$598,456,578$93,011,703$52,376,769$376,779,258
72$659,355,974$97,426,102$53,988,216$412,771,206
73$726,462,599$102,052,296$55,649,137$452,331,539
74$800,409,448$106,900,522$57,361,047$495,819,715
75$881,894,077$111,981,513$59,125,507$543,631,652
76$971,685,188$117,306,522$60,944,126$596,203,437
77$1,070,629,886$122,887,351$62,818,564$654,015,413
78$1,179,661,678$128,736,374$64,750,529$717,596,684
79$1,299,809,279$134,866,567$66,741,782$787,530,074
80$1,432,206,333$141,291,536$68,794,139$864,457,600
81$1,578,102,106$148,025,548$70,909,470$949,086,493
82$1,738,873,286$155,083,565$73,089,702$1,042,195,840
83$1,916,036,976$162,481,275$75,336,822$1,144,643,899
84$2,111,265,019$170,235,129$77,652,877$1,257,376,162
85$2,326,399,779$178,362,378$80,039,976$1,381,434,237
86$2,563,471,535$186,881,113$82,500,294$1,517,965,635
87$2,824,717,647$195,810,304$85,036,070$1,668,234,560
88$3,112,603,682$205,169,843$87,649,613$1,833,633,793
89$3,429,846,685$214,980,593$90,343,302$2,015,697,789
90$3,779,440,832$225,264,428$93,119,589$2,216,117,110
91$4,164,685,702$236,044,289$95,980,999$2,436,754,329
92$4,589,217,417$247,344,233$98,930,137$2,679,661,555
93$5,057,042,982$259,189,489$101,969,684$2,947,099,743
94$5,572,578,104$271,606,511$105,102,407$3,241,559,977
95$6,140,688,886$284,623,046$108,331,152$3,565,786,918
96$6,766,737,763$298,268,186$111,658,857$3,922,804,646
97$7,456,634,133$312,572,445$115,088,546$4,315,945,133
98$8,216,890,139$327,567,819$118,623,337$4,748,879,625
99$9,054,682,156$343,287,866$122,266,443$5,225,653,216
100$9,977,918,540$359,767,775$126,021,172$5,750,722,957