Can I retire at age 35 with 17,100,000?

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 $17,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,323,110
2 years$699,060$686,041$673,423$661,189$649,323$608,886
3 years$461,411$448,335$435,749$423,630$411,957$372,819
4 years$342,609$329,574$317,114$305,202$293,811$256,273
5 years$271,347$258,390$246,093$234,424$223,351$187,514
6 years$223,855$210,995$198,880$187,471$176,730$142,626
7 years$189,945$177,193$165,270$154,130$143,729$111,357
8 years$164,524$151,887$140,162$129,296$119,237$88,578
9 years$144,762$132,245$120,722$110,132$100,415$71,437
10 years$128,962$116,568$105,248$94,934$85,558$58,221
11 years$116,044$103,773$92,659$82,621$73,583$47,840
12 years$105,286$93,141$82,232$72,470$63,765$39,565
13 years$96,190$84,173$73,469$63,980$55,605$32,891
14 years$88,400$76,511$66,012$56,794$48,743$27,458
15 years$81,655$69,894$59,600$50,651$42,917$23,002
16 years$75,759$64,126$54,036$45,352$37,930$19,323
17 years$70,563$59,058$49,171$40,749$33,631$16,270
18 years$65,948$54,572$44,887$36,723$29,904$13,727
19 years$61,824$50,577$41,092$33,182$26,654$11,600
20 years$58,117$46,998$37,712$30,053$23,808$9,816
21 years$54,768$43,777$34,688$27,275$21,305$8,315
22 years$51,727$40,864$31,970$24,799$19,097$7,051
23 years$48,955$38,220$29,519$22,585$17,143$5,984
24 years$46,417$35,809$27,300$20,599$15,408$5,082
25 years$44,086$33,605$25,285$18,812$13,865$4,318
26 years$41,938$31,584$23,451$17,201$12,489$3,671
27 years$39,953$29,724$21,776$15,744$11,260$3,122
28 years$38,112$28,009$20,244$14,425$10,160$2,656
29 years$36,402$26,423$18,838$13,228$9,174$2,261
30 years$34,808$24,954$17,547$12,140$8,290$1,925
31 years$33,320$23,589$16,359$11,150$7,495$1,639
32 years$31,928$22,320$15,263$10,247$6,779$1,396
33 years$30,624$21,138$14,251$9,423$6,135$1,189
34 years$29,398$20,034$13,315$8,670$5,555$1,013
35 years$28,245$19,002$12,449$7,981$5,031$863
36 years$27,159$18,035$11,646$7,350$4,559$735
37 years$26,133$17,130$10,900$6,772$4,132$626
38 years$25,164$16,279$10,208$6,242$3,746$534
39 years$24,247$15,480$9,563$5,756$3,397$455
40 years$23,378$14,728$8,964$5,309$3,081$388
41 years$22,554$14,020$8,405$4,898$2,795$330
42 years$21,771$13,352$7,884$4,520$2,536$282
43 years$21,026$12,722$7,398$4,173$2,302$240
44 years$20,317$12,126$6,945$3,853$2,089$205
45 years$19,642$11,564$6,521$3,558$1,897$174
46 years$18,998$11,031$6,125$3,287$1,722$149
47 years$18,383$10,527$5,754$3,037$1,564$127
48 years$17,795$10,049$5,407$2,806$1,420$108
49 years$17,233$9,597$5,082$2,593$1,290$92
50 years$16,696$9,167$4,778$2,397$1,172$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,100,000, adding $5,826 every year, while hoping to spend $57,677 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: 80/15/5 Blend
34$17,100,000$17,100,000$17,100,000$17,100,000
35$18,850,210$17,943,910$17,678,860$20,354,829
36$20,711,563$18,761,793$18,209,733$22,158,032
37$22,760,841$19,617,820$18,756,459$24,127,798
38$25,017,152$20,513,798$19,319,505$26,287,220
39$27,501,550$21,451,623$19,899,357$28,655,182
40$30,237,235$22,433,279$20,496,512$31,252,476
41$33,249,771$23,460,848$21,111,483$34,101,993
42$36,567,329$24,536,510$21,744,799$37,228,938
43$40,220,949$25,662,552$22,397,002$40,661,066
44$44,244,836$26,841,368$23,068,652$44,428,937
45$48,676,683$28,075,468$23,760,325$48,566,205
46$53,558,022$29,367,483$24,472,614$53,109,932
47$58,934,622$30,720,172$25,206,128$58,100,931
48$64,856,916$32,136,423$25,961,496$63,584,153
49$71,380,480$33,619,266$26,739,364$69,609,102
50$78,566,554$35,171,875$27,540,398$76,230,304
51$86,482,623$36,797,577$28,365,282$83,507,811
52$95,203,053$38,499,861$29,214,722$91,507,771
53$104,809,792$40,282,382$30,089,443$100,303,040
54$115,393,144$42,148,971$30,990,192$109,973,874
55$127,052,618$44,103,645$31,917,737$120,608,672
56$139,897,875$46,150,613$32,872,871$132,304,812
57$154,049,753$48,294,288$33,856,407$145,169,566
58$169,641,415$50,539,296$34,869,184$159,321,098
59$186,819,602$52,890,484$35,912,064$174,889,585
60$205,746,020$55,352,936$36,985,936$192,018,431
61$226,598,862$57,931,978$38,091,714$210,865,619
62$249,574,497$60,633,196$39,230,337$231,605,194
63$274,889,318$63,462,444$40,402,775$254,428,900
64$302,781,783$66,425,859$41,610,023$279,547,981
65$333,514,674$69,529,875$42,853,108$307,195,168
66$367,377,568$72,781,236$44,133,084$337,626,870
67$404,689,575$76,187,012$45,451,038$371,125,584
68$445,802,351$79,754,615$46,808,087$408,002,554
69$491,103,416$83,491,816$48,205,383$448,600,698
70$541,019,809$87,406,760$49,644,108$493,297,841
71$596,022,126$91,507,987$51,125,482$542,510,264
72$656,628,955$95,804,451$52,650,758$596,696,631
73$723,411,777$100,305,537$54,221,226$656,362,301
74$797,000,357$105,021,087$55,838,216$722,064,095
75$878,088,690$109,961,417$57,503,093$794,415,532
76$967,441,553$115,137,344$59,217,264$874,092,615
77$1,065,901,725$120,560,207$60,982,175$961,840,198
78$1,174,397,940$126,241,896$62,799,317$1,058,479,000
79$1,293,953,657$132,194,876$64,670,222$1,164,913,346
80$1,425,696,722$138,432,218$66,596,466$1,282,139,681
81$1,570,870,013$144,967,622$68,579,674$1,411,255,968
82$1,730,843,175$151,815,456$70,621,513$1,553,472,034
83$1,907,125,549$158,990,783$72,723,704$1,710,120,973
84$2,101,380,421$166,509,397$74,888,013$1,882,671,715
85$2,315,440,723$174,387,857$77,116,261$2,072,742,874
86$2,551,326,341$182,643,526$79,410,320$2,282,118,010
87$2,811,263,177$191,294,608$81,772,115$2,512,762,445
88$3,097,704,170$200,360,193$84,203,630$2,766,841,794
89$3,413,352,447$209,860,293$86,706,903$3,046,742,391
90$3,761,186,845$219,815,896$89,284,032$3,355,093,790
91$4,144,490,033$230,249,005$91,937,178$3,694,793,567
92$4,566,879,504$241,182,694$94,668,561$4,069,034,650
93$5,032,341,723$252,641,156$97,480,467$4,481,335,431
94$5,545,269,765$264,649,758$100,375,249$4,935,572,960
95$6,110,504,786$277,235,101$103,355,325$5,436,019,512
96$6,733,381,730$290,425,078$106,423,184$5,987,382,893
97$7,419,779,695$304,248,935$109,581,389$6,594,850,849
98$8,176,177,432$318,737,341$112,832,574$7,264,140,012
99$9,009,714,516$333,922,456$116,179,451$8,001,549,830
100$9,928,258,741$349,838,001$119,624,807$8,814,022,006