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%18.2%
1 years$1,420,360$1,407,708$1,395,364$1,383,316$1,371,552$1,326,056
2 years$703,148$690,053$677,361$665,056$653,120$607,725
3 years$464,109$450,957$438,298$426,108$414,366$370,497
4 years$344,613$331,501$318,968$306,987$295,529$253,523
5 years$272,934$259,901$247,533$235,795$224,657$184,624
6 years$225,164$212,229$200,043$188,567$177,763$139,736
7 years$191,055$178,229$166,237$155,032$144,569$108,544
8 years$165,486$152,776$140,982$130,052$119,934$85,883
9 years$145,609$133,019$121,428$110,776$101,002$68,885
10 years$129,717$117,249$105,863$95,490$86,059$55,825
11 years$116,722$104,380$93,200$83,105$74,013$45,605
12 years$105,901$93,686$82,713$72,894$64,138$37,492
13 years$96,753$84,665$73,899$64,354$55,930$30,978
14 years$88,917$76,958$66,398$57,127$49,028$25,700
15 years$82,133$70,302$59,949$50,947$43,168$21,392
16 years$76,202$64,501$54,352$45,617$38,152$17,855
17 years$70,975$59,403$49,458$40,987$33,828$14,935
18 years$66,334$54,891$45,149$36,937$30,078$12,516
19 years$62,186$50,873$41,332$33,376$26,810$10,505
20 years$58,457$47,273$37,932$30,229$23,947$8,829
21 years$55,088$44,033$34,890$27,434$21,430$7,427
22 years$52,030$41,103$32,157$24,944$19,209$6,254
23 years$49,241$38,443$29,691$22,717$17,243$5,270
24 years$46,689$36,019$27,459$20,719$15,498$4,444
25 years$44,344$33,802$25,433$18,922$13,946$3,749
26 years$42,184$31,768$23,588$17,301$12,562$3,164
27 years$40,186$29,898$21,903$15,836$11,326$2,671
28 years$38,335$28,172$20,362$14,509$10,219$2,256
29 years$36,615$26,577$18,949$13,305$9,228$1,906
30 years$35,012$25,100$17,650$12,211$8,338$1,611
31 years$33,515$23,727$16,454$11,215$7,538$1,361
32 years$32,115$22,451$15,352$10,307$6,819$1,151
33 years$30,803$21,261$14,334$9,478$6,171$973
34 years$29,570$20,151$13,393$8,721$5,587$822
35 years$28,410$19,113$12,522$8,028$5,061$695
36 years$27,318$18,141$11,714$7,393$4,585$588
37 years$26,286$17,230$10,964$6,812$4,156$497
38 years$25,312$16,374$10,267$6,279$3,768$421
39 years$24,389$15,570$9,619$5,789$3,417$356
40 years$23,515$14,814$9,016$5,340$3,099$301
41 years$22,686$14,102$8,454$4,927$2,811$255
42 years$21,898$13,430$7,930$4,547$2,551$215
43 years$21,149$12,796$7,442$4,197$2,315$182
44 years$20,436$12,197$6,985$3,875$2,102$154
45 years$19,757$11,631$6,559$3,579$1,908$130
46 years$19,109$11,096$6,160$3,306$1,732$110
47 years$18,490$10,589$5,788$3,054$1,573$93
48 years$17,899$10,108$5,439$2,822$1,428$79
49 years$17,334$9,653$5,112$2,608$1,297$67
50 years$16,793$9,221$4,806$2,411$1,178$56

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 $5,734 every year, while hoping to spend $32,062 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: 43/36/21 Blend
34$17,200,000$17,200,000$17,200,000$17,200,000
35$18,960,315$18,048,715$17,782,115$19,659,387
36$20,860,153$18,898,988$18,343,702$21,005,369
37$22,952,700$19,789,850$18,923,027$22,459,176
38$25,257,579$20,723,256$19,520,652$24,033,639
39$27,796,412$21,701,255$20,137,154$25,739,903
40$30,593,027$22,725,997$20,773,129$27,590,200
41$33,673,679$23,799,735$21,429,193$29,597,957
42$37,067,304$24,924,832$22,105,980$31,777,914
43$40,805,784$26,103,763$22,804,145$34,146,256
44$44,924,253$27,339,127$23,524,364$36,720,761
45$49,461,430$28,633,647$24,267,333$39,520,955
46$54,459,977$29,990,178$25,033,770$42,568,288
47$59,966,912$31,411,713$25,824,418$45,886,331
48$66,034,042$32,901,392$26,640,041$49,500,986
49$72,718,460$34,462,507$27,481,429$53,440,721
50$80,083,081$36,098,507$28,349,395$57,736,829
51$88,197,234$37,813,013$29,244,778$62,423,711
52$97,137,320$39,609,819$30,168,446$67,539,191
53$106,987,530$41,492,903$31,121,292$73,124,861
54$117,840,640$43,466,437$32,104,238$79,226,460
55$129,798,890$45,534,797$33,118,234$85,894,293
56$142,974,944$47,702,569$34,164,262$93,183,693
57$157,492,957$49,974,564$35,243,334$101,155,528
58$173,489,747$52,355,826$36,356,494$109,876,763
59$191,116,083$54,851,643$37,504,818$119,421,071
60$210,538,113$57,467,563$38,689,419$129,869,520
61$231,938,927$60,209,401$39,911,441$141,311,314
62$255,520,291$63,083,255$41,172,068$153,844,622
63$281,504,548$66,095,521$42,472,519$167,577,483
64$310,136,716$69,252,906$43,814,053$182,628,806
65$341,686,805$72,562,442$45,197,967$199,129,478
66$376,452,361$76,031,504$46,625,601$217,223,568
67$414,761,279$79,667,825$48,098,336$237,069,674
68$456,974,896$83,479,515$49,617,597$258,842,391
69$503,491,403$87,475,079$51,184,855$282,733,936
70$554,749,604$91,663,435$52,801,625$308,955,939
71$611,233,056$96,053,936$54,469,472$337,741,409
72$673,474,639$100,656,390$56,190,010$369,346,911
73$742,061,581$105,481,083$57,964,905$404,054,956
74$817,641,006$110,538,800$59,795,873$442,176,634
75$900,926,041$115,840,853$61,684,687$484,054,526
76$992,702,547$121,399,104$63,633,173$530,065,896
77$1,093,836,541$127,225,995$65,643,219$580,626,223
78$1,205,282,371$133,334,571$67,716,769$636,193,081
79$1,328,091,721$139,738,513$69,855,830$697,270,427
80$1,463,423,548$146,452,172$72,062,471$764,413,310
81$1,612,555,015$153,490,593$74,338,829$838,233,074
82$1,776,893,552$160,869,558$76,687,106$919,403,082
83$1,957,990,146$168,605,618$79,109,575$1,008,665,026
84$2,157,553,975$176,716,127$81,608,580$1,106,835,883
85$2,377,468,554$185,219,291$84,186,541$1,214,815,574
86$2,619,809,507$194,134,197$86,845,951$1,333,595,405
87$2,886,864,172$203,480,868$89,589,385$1,464,267,374
88$3,181,153,186$213,280,299$92,419,498$1,608,034,415
89$3,505,454,289$223,554,512$95,339,030$1,766,221,700
90$3,862,828,545$234,326,601$98,350,805$1,940,289,078
91$4,256,649,238$245,620,786$101,457,739$2,131,844,794
92$4,690,633,726$257,462,471$104,662,839$2,342,660,602
93$5,168,878,530$269,878,295$107,969,208$2,574,688,412
94$5,695,898,008$282,896,200$111,380,045$2,830,078,646
95$6,276,666,980$296,545,489$114,898,651$3,111,200,455
96$6,916,667,690$310,856,895$118,528,434$3,420,663,999
97$7,621,941,563$325,862,652$122,272,905$3,761,345,006
98$8,399,146,245$341,596,565$126,135,690$4,136,411,819
99$9,255,618,454$358,094,088$130,120,528$4,549,355,218
100$10,199,443,246$375,392,408$134,231,275$5,004,021,267