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

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 $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%18.1%
1 years$1,403,844$1,391,339$1,379,139$1,367,231$1,355,604$1,311,161
2 years$694,972$682,029$669,485$657,323$645,526$601,174
3 years$458,713$445,714$433,201$421,153$409,548$366,680
4 years$340,606$327,647$315,260$303,417$292,093$251,037
5 years$269,760$256,879$244,654$233,053$222,044$182,910
6 years$222,546$209,761$197,717$186,375$175,696$138,516
7 years$188,834$176,157$164,304$153,229$142,888$107,657
8 years$163,562$150,999$139,343$128,540$118,539$85,231
9 years$143,916$131,472$120,016$109,487$99,827$68,404
10 years$128,208$115,886$104,632$94,379$85,058$55,470
11 years$115,365$103,166$92,117$82,138$73,153$45,344
12 years$104,670$92,597$81,751$72,046$63,393$37,302
13 years$95,628$83,680$73,039$63,606$55,280$30,842
14 years$87,883$76,063$65,626$56,462$48,458$25,606
15 years$81,178$69,485$59,252$50,355$42,666$21,329
16 years$75,316$63,751$53,720$45,087$37,708$17,814
17 years$70,150$58,712$48,883$40,510$33,435$14,913
18 years$65,562$54,253$44,624$36,508$29,729$12,507
19 years$61,463$50,281$40,851$32,988$26,498$10,505
20 years$57,778$46,724$37,491$29,877$23,668$8,835
21 years$54,448$43,521$34,485$27,115$21,180$7,439
22 years$51,425$40,625$31,783$24,654$18,985$6,268
23 years$48,669$37,996$29,346$22,453$17,042$5,286
24 years$46,146$35,600$27,140$20,478$15,318$4,461
25 years$43,829$33,409$25,137$18,702$13,784$3,766
26 years$41,693$31,399$23,313$17,100$12,416$3,181
27 years$39,719$29,550$21,649$15,652$11,194$2,688
28 years$37,889$27,845$20,125$14,341$10,101$2,272
29 years$36,189$26,268$18,728$13,151$9,121$1,921
30 years$34,605$24,808$17,445$12,069$8,241$1,625
31 years$33,126$23,452$16,263$11,085$7,451$1,374
32 years$31,742$22,190$15,174$10,187$6,740$1,163
33 years$30,445$21,014$14,168$9,368$6,099$984
34 years$29,226$19,917$13,238$8,619$5,522$832
35 years$28,080$18,891$12,376$7,934$5,002$704
36 years$27,000$17,930$11,578$7,307$4,532$596
37 years$25,981$17,029$10,836$6,733$4,107$505
38 years$25,017$16,184$10,148$6,206$3,724$427
39 years$24,106$15,389$9,507$5,722$3,377$362
40 years$23,242$14,642$8,911$5,278$3,063$306
41 years$22,422$13,938$8,356$4,869$2,779$259
42 years$21,643$13,274$7,838$4,494$2,521$219
43 years$20,903$12,647$7,355$4,148$2,288$186
44 years$20,198$12,055$6,904$3,830$2,077$157
45 years$19,527$11,496$6,483$3,537$1,886$133
46 years$18,886$10,967$6,089$3,268$1,712$113
47 years$18,275$10,465$5,720$3,019$1,555$95
48 years$17,691$9,991$5,375$2,790$1,412$81
49 years$17,132$9,541$5,053$2,578$1,282$68
50 years$16,598$9,114$4,750$2,383$1,165$58

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 $2,543 every year, while hoping to spend $41,789 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: 71/10/19 Blend
34$17,000,000$17,000,000$17,000,000$17,000,000
35$18,736,623$17,835,623$17,572,123$19,981,196
36$20,603,295$18,665,105$18,116,326$21,639,533
37$22,658,968$19,533,832$18,677,359$23,449,346
38$24,922,874$20,443,681$19,255,742$25,429,810
39$27,416,209$21,396,623$19,852,011$27,597,820
40$30,162,326$22,394,722$20,466,717$29,971,973
41$33,186,962$23,440,141$21,100,431$32,572,745
42$36,518,475$24,535,151$21,753,739$35,422,677
43$40,188,115$25,682,130$22,427,245$38,546,590
44$44,230,319$26,883,570$23,121,573$41,971,809
45$48,683,032$28,142,086$23,837,367$45,728,427
46$53,588,071$29,460,417$24,575,288$49,849,577
47$58,991,514$30,841,437$25,336,019$54,371,748
48$64,944,137$32,288,157$26,120,266$59,335,124
49$71,501,897$33,803,734$26,928,752$64,783,959
50$78,726,451$35,391,478$27,762,226$70,766,990
51$86,685,749$37,054,860$28,621,460$77,337,896
52$95,454,664$38,797,517$29,507,247$84,555,800
53$105,115,708$40,623,263$30,420,409$92,485,820
54$115,759,805$42,536,099$31,361,788$101,199,684
55$127,487,153$44,540,215$32,332,255$110,776,398
56$140,408,166$46,640,009$33,332,709$121,302,990
57$154,644,517$48,840,088$34,364,073$132,875,326
58$170,330,290$51,145,284$35,427,302$145,599,010
59$187,613,241$53,560,664$36,523,378$159,590,372
60$206,656,195$56,091,540$37,653,314$174,977,568
61$227,638,581$58,743,480$38,818,155$191,901,776
62$250,758,130$61,522,324$40,018,976$210,518,528
63$276,232,736$64,434,194$41,256,888$230,999,170
64$304,302,516$67,485,511$42,533,035$253,532,471
65$335,232,075$70,683,004$43,848,595$278,326,403
66$369,313,007$74,033,731$45,204,783$305,610,093
67$406,866,643$77,545,093$46,602,852$335,635,980
68$448,247,086$81,224,848$48,044,093$368,682,188
69$493,844,556$85,081,133$49,529,837$405,055,149
70$544,089,070$89,122,478$51,061,456$445,092,482
71$599,454,505$93,357,828$52,640,364$489,166,172
72$660,463,066$97,796,564$54,268,019$537,686,076
73$727,690,223$102,448,520$55,945,922$591,103,778
74$801,770,138$107,324,010$57,675,622$649,916,845
75$883,401,653$112,433,847$59,458,717$714,673,515
76$973,354,888$117,789,372$61,296,850$785,977,858
77$1,072,478,510$123,402,474$63,191,718$864,495,468
78$1,181,707,746$129,285,624$65,145,068$950,959,737
79$1,302,073,212$135,451,895$67,158,704$1,046,178,765
80$1,434,710,641$141,914,999$69,234,482$1,151,042,977
81$1,580,871,605$148,689,313$71,374,315$1,266,533,511
82$1,741,935,333$155,789,913$73,580,179$1,393,731,473
83$1,919,421,727$163,232,609$75,854,106$1,533,828,125
84$2,115,005,717$171,033,981$78,198,192$1,688,136,114
85$2,330,533,068$179,211,414$80,614,599$1,858,101,854
86$2,568,037,807$187,783,139$83,105,554$2,045,319,158
87$2,829,761,426$196,768,275$85,673,352$2,251,544,271
88$3,118,174,042$206,186,871$88,320,361$2,478,712,430
89$3,435,997,719$216,059,953$91,049,018$2,728,956,119
90$3,786,232,164$226,409,568$93,861,837$3,004,625,173
91$4,172,183,047$237,258,839$96,761,410$3,308,308,952
92$4,597,493,208$248,632,012$99,750,408$3,642,860,754
93$5,066,177,052$260,554,518$102,831,584$4,011,424,739
94$5,582,658,443$273,053,021$106,007,774$4,417,465,581
95$6,151,812,473$286,155,488$109,281,903$4,864,801,159
96$6,779,011,485$299,891,246$112,656,986$5,357,638,569
97$7,470,175,791$314,291,052$116,136,130$5,900,613,821
98$8,231,829,568$329,387,160$119,722,537$6,498,835,573
99$9,071,162,450$345,213,397$123,419,507$7,157,933,336
100$9,996,097,403$361,805,236$127,230,444$7,884,110,587