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%18.9%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,314,674
2 years$699,060$686,041$673,423$661,189$649,323$600,582
3 years$461,411$448,335$435,749$423,630$411,957$364,911
4 years$342,609$329,574$317,114$305,202$293,811$248,820
5 years$271,347$258,390$246,093$234,424$223,351$180,532
6 years$223,855$210,995$198,880$187,471$176,730$136,115
7 years$189,945$177,193$165,270$154,130$143,729$105,308
8 years$164,524$151,887$140,162$129,296$119,237$82,979
9 years$144,762$132,245$120,722$110,132$100,415$66,271
10 years$128,962$116,568$105,248$94,934$85,558$53,470
11 years$116,044$103,773$92,659$82,621$73,583$43,483
12 years$105,286$93,141$82,232$72,470$63,765$35,581
13 years$96,190$84,173$73,469$63,980$55,605$29,259
14 years$88,400$76,511$66,012$56,794$48,743$24,156
15 years$81,655$69,894$59,600$50,651$42,917$20,007
16 years$75,759$64,126$54,036$45,352$37,930$16,614
17 years$70,563$59,058$49,171$40,749$33,631$13,826
18 years$65,948$54,572$44,887$36,723$29,904$11,527
19 years$61,824$50,577$41,092$33,182$26,654$9,623
20 years$58,117$46,998$37,712$30,053$23,808$8,044
21 years$54,768$43,777$34,688$27,275$21,305$6,731
22 years$51,727$40,864$31,970$24,799$19,097$5,637
23 years$48,955$38,220$29,519$22,585$17,143$4,724
24 years$46,417$35,809$27,300$20,599$15,408$3,961
25 years$44,086$33,605$25,285$18,812$13,865$3,323
26 years$41,938$31,584$23,451$17,201$12,489$2,789
27 years$39,953$29,724$21,776$15,744$11,260$2,341
28 years$38,112$28,009$20,244$14,425$10,160$1,966
29 years$36,402$26,423$18,838$13,228$9,174$1,652
30 years$34,808$24,954$17,547$12,140$8,290$1,388
31 years$33,320$23,589$16,359$11,150$7,495$1,166
32 years$31,928$22,320$15,263$10,247$6,779$980
33 years$30,624$21,138$14,251$9,423$6,135$824
34 years$29,398$20,034$13,315$8,670$5,555$692
35 years$28,245$19,002$12,449$7,981$5,031$582
36 years$27,159$18,035$11,646$7,350$4,559$489
37 years$26,133$17,130$10,900$6,772$4,132$411
38 years$25,164$16,279$10,208$6,242$3,746$346
39 years$24,247$15,480$9,563$5,756$3,397$291
40 years$23,378$14,728$8,964$5,309$3,081$245
41 years$22,554$14,020$8,405$4,898$2,795$206
42 years$21,771$13,352$7,884$4,520$2,536$173
43 years$21,026$12,722$7,398$4,173$2,302$145
44 years$20,317$12,126$6,945$3,853$2,089$122
45 years$19,642$11,564$6,521$3,558$1,897$103
46 years$18,998$11,031$6,125$3,287$1,722$87
47 years$18,383$10,527$5,754$3,037$1,564$73
48 years$17,795$10,049$5,407$2,806$1,420$61
49 years$17,233$9,597$5,082$2,593$1,290$51
50 years$16,696$9,167$4,778$2,397$1,172$43

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 $2,740 every year, while hoping to spend $37,868 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: 69/12/19 Blend
34$17,100,000$17,100,000$17,100,000$17,100,000
35$18,847,026$17,940,726$17,675,676$20,059,931
36$20,729,132$18,779,531$18,227,520$21,708,561
37$22,801,943$19,658,167$18,796,582$23,507,136
38$25,084,871$20,578,548$19,383,398$25,474,225
39$27,599,308$21,542,677$19,988,521$27,626,454
40$30,368,825$22,552,655$20,612,524$29,982,122
41$33,419,395$23,610,685$21,255,994$32,561,373
42$36,779,642$24,719,077$21,919,538$35,386,381
43$40,481,105$25,880,251$22,603,782$38,481,556
44$44,558,540$27,096,746$23,309,371$41,873,772
45$49,050,247$28,371,223$24,036,971$45,592,617
46$53,998,430$29,706,471$24,787,268$49,670,668
47$59,449,598$31,105,415$25,560,969$54,143,797
48$65,454,999$32,571,123$26,358,803$59,051,502
49$72,071,110$34,106,809$27,181,524$64,437,278
50$79,360,164$35,715,844$28,029,907$70,349,024
51$87,390,743$37,401,763$28,904,751$76,839,490
52$96,238,420$39,168,270$29,806,881$83,966,768
53$105,986,476$41,019,252$30,737,148$91,794,840
54$116,726,683$42,958,782$31,696,429$100,394,174
55$128,560,173$44,991,131$32,685,628$109,842,382
56$141,598,391$47,120,776$33,705,677$120,224,953
57$155,964,147$49,352,415$34,757,537$131,636,049
58$171,792,776$51,690,969$35,842,201$144,179,390
59$189,233,414$54,141,602$36,960,690$157,969,228
60$208,450,408$56,709,725$38,114,058$173,131,416
61$229,624,863$59,401,015$39,303,392$189,804,592
62$252,956,356$62,221,423$40,529,814$208,141,480
63$278,664,819$65,177,187$41,794,477$228,310,323
64$306,992,614$68,274,852$43,098,575$250,496,467
65$338,206,818$71,521,278$44,443,335$274,904,098
66$372,601,752$74,923,659$45,830,026$301,758,165
67$410,501,751$78,489,539$47,259,952$331,306,492
68$452,264,231$82,226,827$48,734,461$363,822,112
69$498,283,059$86,143,818$50,254,942$399,605,832
70$548,992,276$90,249,210$51,822,828$438,989,063
71$604,870,190$94,552,123$53,439,594$482,336,939
72$666,443,893$99,062,121$55,106,764$530,051,755
73$734,294,238$103,789,233$56,825,909$582,576,748
74$809,061,319$108,743,974$58,598,646$640,400,279
75$891,450,519$113,937,374$60,426,645$704,060,419
76$982,239,162$119,380,996$62,311,629$774,150,027
77$1,082,283,859$125,086,967$64,255,371$851,322,327
78$1,192,528,589$131,068,005$66,259,702$936,297,062
79$1,314,013,612$137,337,444$68,326,509$1,029,867,275
80$1,447,885,291$143,909,269$70,457,737$1,132,906,781
81$1,595,406,914$150,798,147$72,655,395$1,246,378,398
82$1,757,970,618$158,019,454$74,921,549$1,371,343,022
83$1,937,110,534$165,589,321$77,258,334$1,508,969,625
84$2,134,517,269$173,524,658$79,667,948$1,660,546,273
85$2,352,053,867$181,843,203$82,152,661$1,827,492,265
86$2,591,773,397$190,563,555$84,714,811$2,011,371,515
87$2,855,938,335$199,705,221$87,356,809$2,213,907,294
88$3,147,041,924$209,288,656$90,081,141$2,436,998,478
89$3,467,831,713$219,335,313$92,890,372$2,682,737,451
90$3,821,335,493$229,867,688$95,787,144$2,953,429,838
91$4,210,889,884$240,909,376$98,774,185$3,251,616,243
92$4,640,171,835$252,485,118$101,854,303$3,580,096,213
93$5,113,233,338$264,620,865$105,030,398$3,941,954,635
94$5,634,539,679$277,343,828$108,305,457$4,340,590,839
95$6,209,011,598$290,682,547$111,682,561$4,779,750,654
96$6,842,071,742$304,666,953$115,164,888$5,263,561,744
97$7,539,695,862$319,328,435$118,755,714$5,796,572,546
98$8,308,469,224$334,699,913$122,458,415$6,383,795,173
99$9,155,648,788$350,815,912$126,276,474$7,030,752,702
100$10,089,231,712$367,712,639$130,213,484$7,743,531,277