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%12.9%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,347,097
2 years$699,060$686,041$673,423$661,189$649,323$632,737
3 years$461,411$448,335$435,749$423,630$411,957$395,781
4 years$342,609$329,574$317,114$305,202$293,811$278,170
5 years$271,347$258,390$246,093$234,424$223,351$208,290
6 years$223,855$210,995$198,880$187,471$176,730$162,267
7 years$189,945$177,193$165,270$154,130$143,729$129,870
8 years$164,524$151,887$140,162$129,296$119,237$105,981
9 years$144,762$132,245$120,722$110,132$100,415$87,757
10 years$128,962$116,568$105,248$94,934$85,558$73,489
11 years$116,044$103,773$92,659$82,621$73,583$62,092
12 years$105,286$93,141$82,232$72,470$63,765$52,840
13 years$96,190$84,173$73,469$63,980$55,605$45,231
14 years$88,400$76,511$66,012$56,794$48,743$38,906
15 years$81,655$69,894$59,600$50,651$42,917$33,601
16 years$75,759$64,126$54,036$45,352$37,930$29,118
17 years$70,563$59,058$49,171$40,749$33,631$25,307
18 years$65,948$54,572$44,887$36,723$29,904$22,048
19 years$61,824$50,577$41,092$33,182$26,654$19,250
20 years$58,117$46,998$37,712$30,053$23,808$16,837
21 years$54,768$43,777$34,688$27,275$21,305$14,750
22 years$51,727$40,864$31,970$24,799$19,097$12,939
23 years$48,955$38,220$29,519$22,585$17,143$11,364
24 years$46,417$35,809$27,300$20,599$15,408$9,991
25 years$44,086$33,605$25,285$18,812$13,865$8,792
26 years$41,938$31,584$23,451$17,201$12,489$7,742
27 years$39,953$29,724$21,776$15,744$11,260$6,823
28 years$38,112$28,009$20,244$14,425$10,160$6,016
29 years$36,402$26,423$18,838$13,228$9,174$5,308
30 years$34,808$24,954$17,547$12,140$8,290$4,685
31 years$33,320$23,589$16,359$11,150$7,495$4,137
32 years$31,928$22,320$15,263$10,247$6,779$3,654
33 years$30,624$21,138$14,251$9,423$6,135$3,229
34 years$29,398$20,034$13,315$8,670$5,555$2,854
35 years$28,245$19,002$12,449$7,981$5,031$2,523
36 years$27,159$18,035$11,646$7,350$4,559$2,231
37 years$26,133$17,130$10,900$6,772$4,132$1,973
38 years$25,164$16,279$10,208$6,242$3,746$1,746
39 years$24,247$15,480$9,563$5,756$3,397$1,544
40 years$23,378$14,728$8,964$5,309$3,081$1,367
41 years$22,554$14,020$8,405$4,898$2,795$1,209
42 years$21,771$13,352$7,884$4,520$2,536$1,070
43 years$21,026$12,722$7,398$4,173$2,302$947
44 years$20,317$12,126$6,945$3,853$2,089$839
45 years$19,642$11,564$6,521$3,558$1,897$742
46 years$18,998$11,031$6,125$3,287$1,722$657
47 years$18,383$10,527$5,754$3,037$1,564$582
48 years$17,795$10,049$5,407$2,806$1,420$515
49 years$17,233$9,597$5,082$2,593$1,290$456
50 years$16,696$9,167$4,778$2,397$1,172$404

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 $6,944 every year, while hoping to spend $20,996 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: 65/20/15 Blend
34$17,100,000$17,100,000$17,100,000$17,100,000
35$18,851,363$17,945,063$17,680,013$20,008,368
36$20,751,862$18,802,031$18,249,954$21,640,236
37$22,845,509$19,700,287$18,838,284$23,419,633
38$25,151,982$20,641,832$19,445,597$25,363,503
39$27,692,966$21,628,764$20,072,507$27,487,916
40$30,492,358$22,663,284$20,719,646$29,810,548
41$33,576,492$23,747,698$21,387,667$32,350,847
42$36,974,385$24,884,426$22,077,245$35,130,213
43$40,718,017$26,076,007$22,789,077$38,172,190
44$44,842,624$27,325,101$23,523,880$41,502,690
45$49,387,039$28,634,498$24,282,398$45,150,228
46$54,394,054$30,007,126$25,065,396$49,146,191
47$59,910,826$31,446,053$25,873,664$53,525,120
48$65,989,318$32,954,498$26,708,020$58,325,042
49$72,686,795$34,535,835$27,569,306$63,587,814
50$80,066,363$36,193,605$28,458,391$69,359,514
51$88,197,559$37,931,519$29,376,175$75,690,872
52$97,157,017$39,753,471$30,323,584$82,637,740
53$107,029,184$41,663,542$31,301,575$90,261,613
54$117,907,120$43,666,015$32,311,137$98,630,201
55$129,893,375$45,765,379$33,353,289$107,818,062
56$143,100,960$47,966,343$34,429,085$117,907,295
57$157,654,410$50,273,846$35,539,611$128,988,311
58$173,690,963$52,693,067$36,685,991$141,160,673
59$191,361,851$55,229,437$37,869,382$154,534,029
60$210,833,734$57,888,654$39,090,980$169,229,137
61$232,290,268$60,676,691$40,352,021$185,378,996
62$255,933,840$63,599,813$41,653,778$203,130,086
63$281,987,480$66,664,593$42,997,569$222,643,749
64$310,696,966$69,877,921$44,384,750$244,097,689
65$342,333,143$73,247,025$45,816,725$267,687,649
66$377,194,480$76,779,485$47,294,942$293,629,235
67$415,609,889$80,483,252$48,820,895$322,159,949
68$457,941,829$84,366,663$50,396,126$353,541,407
69$504,589,728$88,438,463$52,022,229$388,061,801
70$555,993,755$92,707,822$53,700,849$426,038,604
71$612,638,973$97,184,360$55,433,682$467,821,548
72$675,059,920$101,878,165$57,222,482$513,795,910
73$743,845,654$106,799,817$59,069,057$564,386,133
74$819,645,315$111,960,413$60,975,275$620,059,815
75$903,174,256$117,371,592$62,943,065$681,332,103
76$995,220,790$123,045,560$64,974,418$748,770,535
77$1,096,653,637$128,995,119$67,071,387$823,000,381
78$1,208,430,125$135,233,696$69,236,096$904,710,521
79$1,331,605,225$141,775,376$71,470,733$994,659,924
80$1,467,341,516$148,634,927$73,777,560$1,093,684,796
81$1,616,920,154$155,827,841$76,158,912$1,202,706,440
82$1,781,752,972$163,370,368$78,617,198$1,322,739,936
83$1,963,395,807$171,279,547$81,154,905$1,454,903,690
84$2,163,563,187$179,573,254$83,774,603$1,600,429,968
85$2,384,144,523$188,270,233$86,478,942$1,760,676,498
86$2,627,221,938$197,390,148$89,270,661$1,937,139,256
87$2,895,089,931$206,953,622$92,152,584$2,131,466,556
88$3,190,277,038$216,982,283$95,127,629$2,345,474,577
89$3,515,569,699$227,498,818$98,198,808$2,581,164,476
90$3,874,038,571$238,527,023$101,369,230$2,840,741,236
91$4,269,067,512$250,091,853$104,642,106$3,126,634,450
92$4,704,385,530$262,219,486$108,020,748$3,441,521,212
93$5,184,101,989$274,937,376$111,508,579$3,788,351,350
94$5,712,745,406$288,274,321$115,109,130$4,170,375,230
95$6,295,306,199$302,260,524$118,826,047$4,591,174,392
96$6,937,283,806$316,927,665$122,663,095$5,054,695,312
97$7,644,738,606$332,308,972$126,624,160$5,565,286,615
98$8,424,349,128$348,439,296$130,713,254$6,127,740,064
99$9,283,475,110$365,355,193$134,934,519$6,747,335,752
100$10,230,226,976$383,095,003$139,292,231$7,429,891,883