Can I retire at age 35 with 17,200,000?

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 $17,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$1,420,360$1,407,708$1,395,364$1,383,316$1,371,552$1,344,409
2 years$703,148$690,053$677,361$665,056$653,120$625,889
3 years$464,109$450,957$438,298$426,108$414,366$387,896
4 years$344,613$331,501$318,968$306,987$295,529$270,024
5 years$272,934$259,901$247,533$235,795$224,657$200,188
6 years$225,164$212,229$200,043$188,567$177,763$154,358
7 years$191,055$178,229$166,237$155,032$144,569$122,234
8 years$165,486$152,776$140,982$130,052$119,934$98,661
9 years$145,609$133,019$121,428$110,776$101,002$80,778
10 years$129,717$117,249$105,863$95,490$86,059$66,865
11 years$116,722$104,380$93,200$83,105$74,013$55,826
12 years$105,901$93,686$82,713$72,894$64,138$46,931
13 years$96,753$84,665$73,899$64,354$55,930$39,675
14 years$88,917$76,958$66,398$57,127$49,028$33,694
15 years$82,133$70,302$59,949$50,947$43,168$28,723
16 years$76,202$64,501$54,352$45,617$38,152$24,563
17 years$70,975$59,403$49,458$40,987$33,828$21,061
18 years$66,334$54,891$45,149$36,937$30,078$18,099
19 years$62,186$50,873$41,332$33,376$26,810$15,583
20 years$58,457$47,273$37,932$30,229$23,947$13,438
21 years$55,088$44,033$34,890$27,434$21,430$11,605
22 years$52,030$41,103$32,157$24,944$19,209$10,033
23 years$49,241$38,443$29,691$22,717$17,243$8,683
24 years$46,689$36,019$27,459$20,719$15,498$7,521
25 years$44,344$33,802$25,433$18,922$13,946$6,520
26 years$42,184$31,768$23,588$17,301$12,562$5,656
27 years$40,186$29,898$21,903$15,836$11,326$4,908
28 years$38,335$28,172$20,362$14,509$10,219$4,262
29 years$36,615$26,577$18,949$13,305$9,228$3,702
30 years$35,012$25,100$17,650$12,211$8,338$3,217
31 years$33,515$23,727$16,454$11,215$7,538$2,797
32 years$32,115$22,451$15,352$10,307$6,819$2,432
33 years$30,803$21,261$14,334$9,478$6,171$2,115
34 years$29,570$20,151$13,393$8,721$5,587$1,840
35 years$28,410$19,113$12,522$8,028$5,061$1,601
36 years$27,318$18,141$11,714$7,393$4,585$1,393
37 years$26,286$17,230$10,964$6,812$4,156$1,212
38 years$25,312$16,374$10,267$6,279$3,768$1,055
39 years$24,389$15,570$9,619$5,789$3,417$918
40 years$23,515$14,814$9,016$5,340$3,099$800
41 years$22,686$14,102$8,454$4,927$2,811$696
42 years$21,898$13,430$7,930$4,547$2,551$606
43 years$21,149$12,796$7,442$4,197$2,315$528
44 years$20,436$12,197$6,985$3,875$2,102$460
45 years$19,757$11,631$6,559$3,579$1,908$400
46 years$19,109$11,096$6,160$3,306$1,732$349
47 years$18,490$10,589$5,788$3,054$1,573$304
48 years$17,899$10,108$5,439$2,822$1,428$264
49 years$17,334$9,653$5,112$2,608$1,297$230
50 years$16,793$9,221$4,806$2,411$1,178$201

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,200,000, adding $2,339 every year, while hoping to spend $35,462 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: 44/44/12 Blend
34$17,200,000$17,200,000$17,200,000$17,200,000
35$18,956,813$18,045,213$17,778,613$19,725,461
36$20,852,676$18,891,697$18,336,465$21,107,444
37$22,940,729$19,778,470$18,911,817$22,600,637
38$25,240,538$20,707,469$19,505,217$24,218,237
39$27,773,663$21,680,725$20,117,231$25,971,706
40$30,563,861$22,700,366$20,748,443$27,873,617
41$33,637,315$23,768,623$21,399,456$29,937,772
42$37,022,873$24,887,838$22,070,890$32,179,315
43$40,752,326$26,060,462$22,763,384$34,614,873
44$44,860,706$27,289,068$23,477,601$37,262,701
45$49,386,619$28,576,352$24,214,221$40,142,847
46$54,372,603$29,925,143$24,973,947$43,277,330
47$59,865,537$31,338,403$25,757,502$46,690,339
48$65,917,078$32,819,241$26,565,635$50,408,449
49$72,584,152$34,370,916$27,399,116$54,460,861
50$79,929,489$35,996,844$28,258,739$58,879,667
51$88,022,215$37,700,608$29,145,326$63,700,141
52$96,938,507$39,485,964$30,059,720$68,961,058
53$106,762,309$41,356,850$31,002,795$74,705,047
54$117,586,124$43,317,396$31,975,448$80,978,978
55$129,511,892$45,371,931$32,978,609$87,834,394
56$142,651,945$47,524,996$34,013,233$95,327,977
57$157,130,074$49,781,352$35,080,307$103,522,070
58$173,082,693$52,145,989$36,180,848$112,485,247
59$190,660,127$54,624,142$37,315,906$122,292,945
60$210,028,034$57,221,298$38,486,562$133,028,155
61$231,368,965$59,943,214$39,693,934$144,782,188
62$254,884,091$62,795,923$40,939,172$157,655,515
63$280,795,097$65,785,752$42,223,464$171,758,695
64$309,346,280$68,919,337$43,548,033$187,213,396
65$340,806,852$72,203,636$44,914,143$204,153,524
66$375,473,480$75,645,943$46,323,096$222,726,454
67$413,673,091$79,253,910$47,776,236$243,094,405
68$455,765,953$83,035,559$49,274,947$265,435,939
69$502,149,081$86,999,302$50,820,658$289,947,621
70$553,259,981$91,153,961$52,414,844$316,845,842
71$609,580,781$95,508,787$54,059,022$346,368,836
72$671,642,783$100,073,480$55,754,762$378,778,893
73$740,031,479$104,858,213$57,503,679$414,364,802
74$815,392,078$109,873,654$59,307,441$453,444,542
75$898,435,596$115,130,988$61,167,766$496,368,248
76$989,945,568$120,641,949$63,086,428$543,521,476
77$1,090,785,449$126,418,837$65,065,256$595,328,801
78$1,201,906,758$132,474,553$67,106,135$652,257,787
79$1,324,358,069$138,822,628$69,211,012$714,823,351
80$1,459,294,903$145,477,248$71,381,892$783,592,579
81$1,607,990,642$152,453,292$73,620,844$859,190,035
82$1,771,848,548$159,766,363$75,930,003$942,303,597
83$1,952,415,010$167,432,825$78,311,568$1,033,690,906
84$2,151,394,145$175,469,838$80,767,810$1,134,186,456
85$2,370,663,886$183,895,398$83,301,069$1,244,709,415
86$2,612,293,707$192,728,377$85,913,760$1,366,272,242
87$2,878,564,167$201,988,569$88,608,373$1,499,990,177
88$3,171,988,433$211,696,731$91,387,474$1,647,091,706
89$3,495,336,012$221,874,629$94,253,714$1,808,930,082
90$3,851,658,895$232,545,095$97,209,822$1,986,996,031
91$4,244,320,367$243,732,070$100,258,616$2,182,931,744
92$4,677,026,766$255,460,663$103,403,001$2,398,546,300
93$5,153,862,467$267,757,207$106,645,974$2,635,832,657
94$5,679,328,448$280,649,319$109,990,623$2,896,986,379
95$6,258,384,778$294,165,964$113,440,136$3,184,426,269
96$6,896,497,445$308,337,515$116,997,801$3,500,817,104
97$7,599,689,962$323,195,832$120,667,005$3,849,094,690
98$8,374,600,235$338,774,324$124,451,246$4,232,493,469
99$9,228,543,225$355,108,032$128,354,129$4,654,576,940
100$10,169,580,014$372,233,706$132,379,372$5,119,271,186