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%11.4%
1 years$1,403,844$1,391,339$1,379,139$1,367,231$1,355,604$1,347,625
2 years$694,972$682,029$669,485$657,323$645,526$637,477
3 years$458,713$445,714$433,201$421,153$409,548$401,677
4 years$340,606$327,647$315,260$303,417$292,093$284,461
5 years$269,760$256,879$244,654$233,053$222,044$214,674
6 years$222,546$209,761$197,717$186,375$175,696$168,597
7 years$188,834$176,157$164,304$153,229$142,888$136,063
8 years$163,562$150,999$139,343$128,540$118,539$111,989
9 years$143,916$131,472$120,016$109,487$99,827$93,551
10 years$128,208$115,886$104,632$94,379$85,058$79,051
11 years$115,365$103,166$92,117$82,138$73,153$67,412
12 years$104,670$92,597$81,751$72,046$63,393$57,913
13 years$95,628$83,680$73,039$63,606$55,280$50,055
14 years$87,883$76,063$65,626$56,462$48,458$43,483
15 years$81,178$69,485$59,252$50,355$42,666$37,935
16 years$75,316$63,751$53,720$45,087$37,708$33,213
17 years$70,150$58,712$48,883$40,510$33,435$29,169
18 years$65,562$54,253$44,624$36,508$29,729$25,685
19 years$61,463$50,281$40,851$32,988$26,498$22,669
20 years$57,778$46,724$37,491$29,877$23,668$20,046
21 years$54,448$43,521$34,485$27,115$21,180$17,758
22 years$51,425$40,625$31,783$24,654$18,985$15,754
23 years$48,669$37,996$29,346$22,453$17,042$13,995
24 years$46,146$35,600$27,140$20,478$15,318$12,447
25 years$43,829$33,409$25,137$18,702$13,784$11,081
26 years$41,693$31,399$23,313$17,100$12,416$9,874
27 years$39,719$29,550$21,649$15,652$11,194$8,806
28 years$37,889$27,845$20,125$14,341$10,101$7,859
29 years$36,189$26,268$18,728$13,151$9,121$7,018
30 years$34,605$24,808$17,445$12,069$8,241$6,270
31 years$33,126$23,452$16,263$11,085$7,451$5,605
32 years$31,742$22,190$15,174$10,187$6,740$5,013
33 years$30,445$21,014$14,168$9,368$6,099$4,485
34 years$29,226$19,917$13,238$8,619$5,522$4,014
35 years$28,080$18,891$12,376$7,934$5,002$3,594
36 years$27,000$17,930$11,578$7,307$4,532$3,218
37 years$25,981$17,029$10,836$6,733$4,107$2,883
38 years$25,017$16,184$10,148$6,206$3,724$2,583
39 years$24,106$15,389$9,507$5,722$3,377$2,314
40 years$23,242$14,642$8,911$5,278$3,063$2,074
41 years$22,422$13,938$8,356$4,869$2,779$1,860
42 years$21,643$13,274$7,838$4,494$2,521$1,667
43 years$20,903$12,647$7,355$4,148$2,288$1,495
44 years$20,198$12,055$6,904$3,830$2,077$1,341
45 years$19,527$11,496$6,483$3,537$1,886$1,202
46 years$18,886$10,967$6,089$3,268$1,712$1,078
47 years$18,275$10,465$5,720$3,019$1,555$967
48 years$17,691$9,991$5,375$2,790$1,412$868
49 years$17,132$9,541$5,053$2,578$1,282$779
50 years$16,598$9,114$4,750$2,383$1,165$699

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 $2,634 every year, while hoping to spend $39,331 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: 26/49/25 Blend
34$17,000,000$17,000,000$17,000,000$17,000,000
35$18,736,717$17,835,717$17,572,217$19,076,243
36$20,606,014$18,667,819$18,119,038$20,183,453
37$22,664,662$19,539,376$18,682,860$21,367,040
38$24,931,931$20,452,280$19,264,210$22,636,186
39$27,429,060$21,408,513$19,863,633$23,998,136
40$30,179,449$22,410,155$20,481,689$25,460,807
41$33,208,885$23,459,385$21,118,958$27,032,858
42$36,545,785$24,558,489$21,776,037$28,723,760
43$40,221,460$25,709,860$22,453,539$30,543,874
44$44,270,417$26,916,011$23,152,101$32,504,542
45$48,730,677$28,179,573$23,872,374$34,618,180
46$53,644,142$29,503,308$24,615,034$36,898,386
47$59,056,982$30,890,108$25,380,776$39,360,056
48$65,020,079$32,343,007$26,170,316$42,019,514
49$71,589,498$33,865,186$26,984,393$44,894,649
50$78,827,025$35,459,978$27,823,768$48,005,074
51$86,800,745$37,130,881$28,689,228$51,372,298
52$95,585,686$38,881,559$29,581,582$55,019,911
53$105,264,525$40,715,854$30,501,664$58,973,792
54$115,928,372$42,637,797$31,450,336$63,262,340
55$127,677,629$44,651,611$32,428,484$67,916,722
56$140,622,933$46,761,726$33,437,024$72,971,152
57$154,886,207$48,972,786$34,476,899$78,463,194
58$170,601,806$51,289,658$35,549,082$84,434,098
59$187,917,789$53,717,450$36,654,575$90,929,168
60$206,997,311$56,261,514$37,794,411$97,998,170
61$228,020,171$58,927,461$38,969,657$105,695,781
62$251,184,499$61,721,178$40,181,412$114,082,079
63$276,708,637$64,648,834$41,430,808$123,223,086
64$304,833,191$67,716,900$42,719,013$133,191,369
65$335,823,308$70,932,160$44,047,232$144,066,697
66$369,971,177$74,301,727$45,416,705$155,936,764
67$407,598,786$77,833,061$46,828,714$168,897,992
68$449,060,964$81,533,982$48,284,577$183,056,408
69$494,748,727$85,412,693$49,785,656$198,528,612
70$545,092,974$89,477,791$51,333,352$215,442,849
71$600,568,550$93,738,296$52,929,112$233,940,180
72$661,698,732$98,203,662$54,574,427$254,175,781
73$729,060,166$102,883,805$56,270,834$276,320,366
74$803,288,314$107,789,122$58,019,918$300,561,761
75$885,083,449$112,930,516$59,823,312$327,106,636
76$975,217,269$118,319,420$61,682,702$356,182,408
77$1,074,540,181$123,967,823$63,599,823$388,039,349
78$1,183,989,329$129,888,296$65,576,466$422,952,893
79$1,304,597,441$136,094,022$67,614,478$461,226,192
80$1,437,502,578$142,598,827$69,715,761$503,192,920
81$1,583,958,879$149,417,208$71,882,277$549,220,373
82$1,745,348,400$156,564,366$74,116,049$599,712,874
83$1,923,194,163$164,056,246$76,419,162$655,115,533
84$2,119,174,530$171,909,565$78,793,767$715,918,385
85$2,335,139,054$180,141,855$81,242,080$782,660,947
86$2,573,125,934$188,771,503$83,766,386$855,937,245
87$2,835,381,261$197,817,788$86,369,041$936,401,349
88$3,124,380,220$207,300,930$89,052,475$1,024,773,471
89$3,442,850,460$217,242,133$91,819,190$1,121,846,681
90$3,793,797,843$227,663,634$94,671,770$1,228,494,318
91$4,180,534,824$238,588,753$97,612,875$1,345,678,141
92$4,606,711,719$250,041,945$100,645,249$1,474,457,317
93$5,076,351,171$262,048,857$103,771,722$1,615,998,329
94$5,593,886,125$274,636,386$106,995,210$1,771,585,884
95$6,164,201,680$287,832,738$110,318,719$1,942,634,934
96$6,792,681,205$301,667,496$113,745,349$2,130,703,931
97$7,485,257,166$316,171,682$117,278,297$2,337,509,417
98$8,248,467,134$331,377,831$120,920,856$2,564,942,111
99$9,089,515,501$347,320,064$124,676,424$2,815,084,632
100$10,016,341,500$364,034,165$128,548,503$3,090,231,028