Can I retire at age 35 with 17,300,000?

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 $17,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,333,233
2 years$707,237$694,065$681,300$668,923$656,917$610,734
3 years$466,808$453,579$440,846$428,585$416,775$372,153
4 years$346,617$333,429$320,823$308,772$297,248$254,527
5 years$274,521$261,412$248,972$237,166$225,963$185,257
6 years$226,473$213,463$201,206$189,664$178,797$140,139
7 years$192,166$179,266$167,203$155,933$145,410$108,794
8 years$166,448$153,664$141,802$130,808$120,631$86,030
9 years$146,455$133,792$122,134$111,420$101,589$68,961
10 years$130,471$117,931$106,479$96,045$86,559$55,851
11 years$117,401$104,987$93,742$83,588$74,444$45,597
12 years$106,517$94,231$83,194$73,318$64,511$37,460
13 years$97,315$85,157$74,328$64,729$56,255$30,931
14 years$89,434$77,405$66,784$57,459$49,313$25,643
15 years$82,611$70,711$60,297$51,243$43,419$21,330
16 years$76,646$64,876$54,668$45,883$38,374$17,790
17 years$71,388$59,749$49,746$41,225$34,025$14,870
18 years$66,719$55,210$45,412$37,152$30,253$12,452
19 years$62,547$51,168$41,572$33,570$26,965$10,444
20 years$58,797$47,548$38,153$30,404$24,086$8,770
21 years$55,409$44,289$35,093$27,594$21,554$7,372
22 years$52,332$41,342$32,344$25,089$19,320$6,203
23 years$49,527$38,667$29,864$22,849$17,343$5,223
24 years$46,960$36,228$27,619$20,840$15,588$4,400
25 years$44,602$33,998$25,581$19,032$14,027$3,709
26 years$42,429$31,953$23,725$17,402$12,635$3,128
27 years$40,420$30,071$22,031$15,928$11,392$2,639
28 years$38,558$28,336$20,480$14,594$10,279$2,227
29 years$36,827$26,732$19,059$13,383$9,282$1,880
30 years$35,215$25,246$17,752$12,282$8,386$1,587
31 years$33,710$23,865$16,550$11,280$7,582$1,340
32 years$32,302$22,581$15,442$10,367$6,859$1,132
33 years$30,982$21,385$14,418$9,533$6,207$956
34 years$29,742$20,268$13,471$8,771$5,620$808
35 years$28,576$19,224$12,595$8,074$5,090$683
36 years$27,476$18,246$11,782$7,436$4,612$577
37 years$26,439$17,330$11,028$6,852$4,180$487
38 years$25,459$16,470$10,327$6,315$3,789$412
39 years$24,531$15,661$9,675$5,823$3,436$348
40 years$23,652$14,900$9,069$5,371$3,117$294
41 years$22,818$14,184$8,503$4,955$2,828$249
42 years$22,025$13,508$7,977$4,573$2,566$210
43 years$21,272$12,870$7,485$4,222$2,329$178
44 years$20,555$12,268$7,026$3,898$2,114$150
45 years$19,872$11,699$6,597$3,600$1,919$127
46 years$19,220$11,160$6,196$3,325$1,742$107
47 years$18,598$10,650$5,821$3,072$1,582$91
48 years$18,003$10,167$5,470$2,839$1,437$77
49 years$17,435$9,709$5,142$2,624$1,305$65
50 years$16,891$9,274$4,834$2,425$1,185$55

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,300,000, adding $6,534 every year, while hoping to spend $41,445 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: 39/37/24 Blend
34$17,300,000$17,300,000$17,300,000$17,300,000
35$19,071,340$18,154,440$17,886,290$19,678,834
36$20,972,519$18,999,910$18,441,383$20,965,113
37$23,066,230$19,885,420$19,013,683$22,350,686
38$25,372,067$20,812,886$19,603,723$23,848,114
39$27,911,620$21,784,321$20,212,051$25,467,593
40$30,708,684$22,801,831$20,839,233$27,220,308
41$33,789,476$23,867,626$21,485,853$29,118,530
42$37,182,886$24,984,024$22,152,513$31,175,722
43$40,920,751$26,153,452$22,839,833$33,406,665
44$45,038,153$27,378,456$23,548,452$35,827,583
45$49,573,749$28,661,705$24,279,030$38,456,289
46$54,570,140$30,005,997$25,032,246$41,312,346
47$60,074,269$31,414,265$25,808,801$44,417,243
48$66,137,864$32,889,585$26,609,416$47,794,585
49$72,817,932$34,435,179$27,434,836$51,470,306
50$80,177,287$36,054,429$28,285,829$55,472,907
51$88,285,152$37,750,878$29,163,187$59,833,709
52$97,217,808$39,528,241$30,067,723$64,587,141
53$107,059,313$41,390,414$31,000,281$69,771,049
54$117,902,297$43,341,479$31,961,725$75,427,046
55$129,848,839$45,385,719$32,952,950$81,600,886
56$143,011,424$47,527,623$33,974,878$88,342,883
57$157,514,010$49,771,897$35,028,457$95,708,374
58$173,493,196$52,123,476$36,114,667$103,758,226
59$191,099,510$54,587,535$37,234,516$112,559,392
60$210,498,833$57,169,497$38,389,046$122,185,526
61$231,873,964$59,875,052$39,579,328$132,717,667
62$255,426,342$62,710,163$40,806,469$144,244,979
63$281,377,950$65,681,083$42,071,608$156,865,575
64$309,973,414$68,794,369$43,375,920$170,687,426
65$341,482,305$72,056,896$44,720,616$185,829,358
66$376,201,689$75,475,872$46,106,945$202,422,152
67$414,458,927$79,058,856$47,536,193$220,609,755
68$456,614,771$82,813,773$49,009,689$240,550,615
69$503,066,763$86,748,933$50,528,799$262,419,153
70$554,252,993$90,873,051$52,094,934$286,407,384
71$610,656,231$95,195,264$53,709,547$312,726,700
72$672,808,487$99,725,152$55,374,137$341,609,838
73$741,296,030$104,472,762$57,090,248$373,313,048
74$816,764,927$109,448,629$58,859,473$408,118,481
75$899,927,137$114,663,799$60,683,453$446,336,817
76$991,567,237$120,129,857$62,563,881$488,310,169
77$1,092,549,824$125,858,949$64,502,499$534,415,269
78$1,203,827,680$131,863,812$66,501,108$585,066,995
79$1,326,450,769$138,157,803$68,561,560$640,722,245
80$1,461,576,141$144,754,929$70,685,766$701,884,205
81$1,610,478,863$151,669,877$72,875,695$769,107,065
82$1,774,564,056$158,918,049$75,133,379$843,001,198
83$1,955,380,153$166,515,597$77,460,911$924,238,878
84$2,154,633,524$174,479,457$79,860,447$1,013,560,580
85$2,374,204,584$182,827,391$82,334,213$1,111,781,912
86$2,616,165,543$191,578,025$84,884,500$1,219,801,269
87$2,882,799,971$200,750,890$87,513,673$1,338,608,250
88$3,176,624,355$210,366,471$90,224,168$1,469,292,945
89$3,500,411,858$220,446,247$93,018,497$1,613,056,167
90$3,857,218,498$231,012,744$95,899,248$1,771,220,714
91$4,250,412,002$242,089,585$98,869,089$1,945,243,802
92$4,683,703,596$253,701,544$101,930,773$2,136,730,737
93$5,161,183,043$265,874,601$105,087,135$2,347,450,006
94$5,687,357,257$278,636,000$108,341,097$2,579,349,891
95$6,267,192,848$292,014,314$111,695,674$2,834,576,779
96$6,906,163,011$306,039,508$115,153,972$3,115,495,341
97$7,610,299,200$320,743,006$118,719,192$3,424,710,768
98$8,386,248,068$336,157,763$122,394,635$3,765,093,267
99$9,241,334,220$352,318,342$126,183,704$4,139,805,065
100$10,183,629,357$369,260,988$130,089,905$4,552,330,159