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%17.9%
1 years$1,403,844$1,391,339$1,379,139$1,367,231$1,355,604$1,312,210
2 years$694,972$682,029$669,485$657,323$645,526$602,207
3 years$458,713$445,714$433,201$421,153$409,548$367,665
4 years$340,606$327,647$315,260$303,417$292,093$251,965
5 years$269,760$256,879$244,654$233,053$222,044$183,780
6 years$222,546$209,761$197,717$186,375$175,696$139,327
7 years$188,834$176,157$164,304$153,229$142,888$108,411
8 years$163,562$150,999$139,343$128,540$118,539$85,930
9 years$143,916$131,472$120,016$109,487$99,827$69,049
10 years$128,208$115,886$104,632$94,379$85,058$56,063
11 years$115,365$103,166$92,117$82,138$73,153$45,889
12 years$104,670$92,597$81,751$72,046$63,393$37,800
13 years$95,628$83,680$73,039$63,606$55,280$31,297
14 years$87,883$76,063$65,626$56,462$48,458$26,019
15 years$81,178$69,485$59,252$50,355$42,666$21,704
16 years$75,316$63,751$53,720$45,087$37,708$18,154
17 years$70,150$58,712$48,883$40,510$33,435$15,219
18 years$65,562$54,253$44,624$36,508$29,729$12,783
19 years$61,463$50,281$40,851$32,988$26,498$10,753
20 years$57,778$46,724$37,491$29,877$23,668$9,058
21 years$54,448$43,521$34,485$27,115$21,180$7,638
22 years$51,425$40,625$31,783$24,654$18,985$6,446
23 years$48,669$37,996$29,346$22,453$17,042$5,445
24 years$46,146$35,600$27,140$20,478$15,318$4,602
25 years$43,829$33,409$25,137$18,702$13,784$3,892
26 years$41,693$31,399$23,313$17,100$12,416$3,293
27 years$39,719$29,550$21,649$15,652$11,194$2,787
28 years$37,889$27,845$20,125$14,341$10,101$2,359
29 years$36,189$26,268$18,728$13,151$9,121$1,998
30 years$34,605$24,808$17,445$12,069$8,241$1,693
31 years$33,126$23,452$16,263$11,085$7,451$1,434
32 years$31,742$22,190$15,174$10,187$6,740$1,215
33 years$30,445$21,014$14,168$9,368$6,099$1,030
34 years$29,226$19,917$13,238$8,619$5,522$873
35 years$28,080$18,891$12,376$7,934$5,002$740
36 years$27,000$17,930$11,578$7,307$4,532$627
37 years$25,981$17,029$10,836$6,733$4,107$532
38 years$25,017$16,184$10,148$6,206$3,724$451
39 years$24,106$15,389$9,507$5,722$3,377$382
40 years$23,242$14,642$8,911$5,278$3,063$324
41 years$22,422$13,938$8,356$4,869$2,779$275
42 years$21,643$13,274$7,838$4,494$2,521$233
43 years$20,903$12,647$7,355$4,148$2,288$198
44 years$20,198$12,055$6,904$3,830$2,077$168
45 years$19,527$11,496$6,483$3,537$1,886$142
46 years$18,886$10,967$6,089$3,268$1,712$121
47 years$18,275$10,465$5,720$3,019$1,555$102
48 years$17,691$9,991$5,375$2,790$1,412$87
49 years$17,132$9,541$5,053$2,578$1,282$74
50 years$16,598$9,114$4,750$2,383$1,165$62

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 $3,011 every year, while hoping to spend $48,493 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: 58/36/6 Blend
34$17,000,000$17,000,000$17,000,000$17,000,000
35$18,737,106$17,836,106$17,572,606$19,801,068
36$20,596,694$18,658,479$18,109,692$21,337,819
37$22,644,336$19,519,523$18,663,145$23,006,202
38$24,899,160$20,421,082$19,233,463$24,823,358
39$27,382,247$21,365,087$19,821,156$26,803,521
40$30,116,826$22,353,566$20,426,754$28,962,337
41$33,128,491$23,388,639$21,050,800$31,317,000
42$36,445,448$24,472,534$21,693,852$33,886,414
43$40,098,777$25,607,582$22,356,490$36,691,360
44$44,122,727$26,796,227$23,039,307$39,754,688
45$48,555,036$28,041,034$23,742,915$43,101,526
46$53,437,292$29,344,687$24,467,945$46,759,509
47$58,815,322$30,710,003$25,215,047$50,759,031
48$64,739,626$32,139,933$25,984,892$55,133,526
49$71,265,849$33,637,572$26,778,168$59,919,773
50$78,455,316$35,206,163$27,595,586$65,158,235
51$86,375,599$36,849,106$28,437,879$70,893,432
52$95,101,163$38,569,965$29,305,801$77,174,352
53$104,714,065$40,372,476$30,200,128$84,054,903
54$115,304,729$42,260,557$31,121,662$91,594,408
55$126,972,801$44,238,314$32,071,227$99,858,159
56$139,828,086$46,310,051$33,049,673$108,918,018
57$153,991,588$48,480,281$34,057,874$118,853,085
58$169,596,650$50,753,734$35,096,733$129,750,428
59$186,790,213$53,135,372$36,167,178$141,705,899
60$205,734,202$55,630,393$37,270,166$154,825,017
61$226,607,057$58,244,248$38,406,683$169,223,952
62$249,605,414$60,982,654$39,577,744$185,030,609
63$274,945,964$63,851,601$40,784,396$202,385,816
64$302,867,494$66,857,372$42,027,716$221,444,634
65$333,633,148$70,006,552$43,308,813$242,377,812
66$367,532,903$73,306,047$44,628,832$265,373,370
67$404,886,312$76,763,096$45,988,951$290,638,360
68$446,045,517$80,385,290$47,390,383$318,400,802
69$491,398,577$84,180,586$48,834,378$348,911,807
70$541,373,127$88,157,329$50,322,224$382,447,935
71$596,440,415$92,324,267$51,855,248$419,313,776
72$657,119,754$96,690,573$53,434,815$459,844,802
73$723,983,422$101,265,864$55,062,334$504,410,511
74$797,662,064$106,060,224$56,739,255$553,417,883
75$878,850,645$111,084,227$58,467,072$607,315,199
76$968,315,014$116,348,957$60,247,322$666,596,241
77$1,066,899,130$121,866,040$62,081,591$731,804,921
78$1,175,533,028$127,647,663$63,971,511$803,540,386
79$1,295,241,605$133,706,607$65,918,765$882,462,640
80$1,427,154,290$140,056,271$67,925,085$969,298,737
81$1,572,515,706$146,710,708$69,992,254$1,064,849,608
82$1,732,697,425$153,684,649$72,122,111$1,169,997,584
83$1,909,210,911$160,993,545$74,316,550$1,285,714,686
84$2,103,721,790$168,653,595$76,577,521$1,413,071,753
85$2,318,065,576$176,681,785$78,907,032$1,553,248,514
86$2,554,265,000$185,095,928$81,307,153$1,707,544,672
87$2,814,549,103$193,914,701$83,780,015$1,877,392,126
88$3,101,374,279$203,157,689$86,327,813$2,064,368,440
89$3,417,447,471$212,845,431$88,952,810$2,270,211,679
90$3,765,751,718$222,999,462$91,657,334$2,496,836,760
91$4,149,574,323$233,642,366$94,443,785$2,746,353,474
92$4,572,537,886$244,797,824$97,314,634$3,021,086,339
93$5,038,634,502$256,490,669$100,272,426$3,323,596,478
94$5,552,263,452$268,746,943$103,319,783$3,656,705,734
95$6,118,272,735$281,593,953$106,459,406$4,023,523,234
96$6,742,004,834$295,060,337$109,694,076$4,427,474,668
97$7,429,347,158$309,176,124$113,026,659$4,872,334,550
98$8,186,787,621$323,972,807$116,460,104$5,362,261,773
99$9,021,475,893$339,483,409$119,997,453$5,901,838,780
100$9,941,290,901$355,742,563$123,641,834$6,496,114,740