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%17%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,340,202
2 years$707,237$694,065$681,300$668,923$656,917$617,604
3 years$466,808$453,579$440,846$428,585$416,775$378,706
4 years$346,617$333,429$320,823$308,772$297,248$260,714
5 years$274,521$261,412$248,972$237,166$225,963$191,064
6 years$226,473$213,463$201,206$189,664$178,797$145,566
7 years$192,166$179,266$167,203$155,933$145,410$113,846
8 years$166,448$153,664$141,802$130,808$120,631$90,718
9 years$146,455$133,792$122,134$111,420$101,589$73,296
10 years$130,471$117,931$106,479$96,045$86,559$59,849
11 years$117,401$104,987$93,742$83,588$74,444$49,272
12 years$106,517$94,231$83,194$73,318$64,511$40,830
13 years$97,315$85,157$74,328$64,729$56,255$34,012
14 years$89,434$77,405$66,784$57,459$49,313$28,453
15 years$82,611$70,711$60,297$51,243$43,419$23,885
16 years$76,646$64,876$54,668$45,883$38,374$20,108
17 years$71,388$59,749$49,746$41,225$34,025$16,969
18 years$66,719$55,210$45,412$37,152$30,253$14,348
19 years$62,547$51,168$41,572$33,570$26,965$12,152
20 years$58,797$47,548$38,153$30,404$24,086$10,307
21 years$55,409$44,289$35,093$27,594$21,554$8,752
22 years$52,332$41,342$32,344$25,089$19,320$7,438
23 years$49,527$38,667$29,864$22,849$17,343$6,328
24 years$46,960$36,228$27,619$20,840$15,588$5,386
25 years$44,602$33,998$25,581$19,032$14,027$4,588
26 years$42,429$31,953$23,725$17,402$12,635$3,910
27 years$40,420$30,071$22,031$15,928$11,392$3,334
28 years$38,558$28,336$20,480$14,594$10,279$2,843
29 years$36,827$26,732$19,059$13,383$9,282$2,426
30 years$35,215$25,246$17,752$12,282$8,386$2,070
31 years$33,710$23,865$16,550$11,280$7,582$1,767
32 years$32,302$22,581$15,442$10,367$6,859$1,508
33 years$30,982$21,385$14,418$9,533$6,207$1,288
34 years$29,742$20,268$13,471$8,771$5,620$1,100
35 years$28,576$19,224$12,595$8,074$5,090$940
36 years$27,476$18,246$11,782$7,436$4,612$803
37 years$26,439$17,330$11,028$6,852$4,180$686
38 years$25,459$16,470$10,327$6,315$3,789$586
39 years$24,531$15,661$9,675$5,823$3,436$500
40 years$23,652$14,900$9,069$5,371$3,117$428
41 years$22,818$14,184$8,503$4,955$2,828$365
42 years$22,025$13,508$7,977$4,573$2,566$312
43 years$21,272$12,870$7,485$4,222$2,329$267
44 years$20,555$12,268$7,026$3,898$2,114$228
45 years$19,872$11,699$6,597$3,600$1,919$195
46 years$19,220$11,160$6,196$3,325$1,742$166
47 years$18,598$10,650$5,821$3,072$1,582$142
48 years$18,003$10,167$5,470$2,839$1,437$122
49 years$17,435$9,709$5,142$2,624$1,305$104
50 years$16,891$9,274$4,834$2,425$1,185$89

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 $6,151 every year, while hoping to spend $47,531 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: 64/19/17 Blend
34$17,300,000$17,300,000$17,300,000$17,300,000
35$19,070,945$18,154,045$17,885,895$20,210,591
36$20,965,609$18,993,020$18,434,500$21,815,033
37$23,051,935$19,871,513$18,999,890$23,561,034
38$25,349,423$20,791,408$19,582,577$25,467,258
39$27,879,561$21,754,683$20,183,090$27,549,347
40$30,666,024$22,763,410$20,801,971$29,824,507
41$33,734,902$23,819,762$21,439,781$32,311,672
42$37,114,947$24,926,014$22,097,098$35,031,674
43$40,837,836$26,084,554$22,774,516$38,007,435
44$44,938,482$27,297,883$23,472,648$41,264,184
45$49,455,351$28,568,624$24,192,126$44,829,686
46$54,430,835$29,899,525$24,933,601$48,734,499
47$59,911,646$31,293,467$25,697,742$53,012,263
48$65,949,260$32,753,473$26,485,242$57,700,004
49$72,600,398$34,282,707$27,296,812$62,838,485
50$79,927,569$35,884,489$28,133,185$68,472,581
51$87,999,651$37,562,300$28,995,117$74,651,699
52$96,892,550$39,319,787$29,883,388$81,430,235
53$106,689,907$41,160,774$30,798,799$88,868,086
54$117,483,896$43,089,270$31,742,177$97,031,202
55$129,376,088$45,109,479$32,714,374$105,992,209
56$142,478,412$47,225,806$33,716,269$115,831,079
57$156,914,211$49,442,871$34,748,764$126,635,885
58$172,819,405$51,765,517$35,812,793$138,503,617
59$190,343,778$54,198,820$36,909,315$151,541,095
60$209,652,386$56,748,105$38,039,319$165,865,964
61$230,927,118$59,418,951$39,203,825$181,607,801
62$254,368,414$62,217,209$40,403,883$198,909,321
63$280,197,154$65,149,015$41,640,575$217,927,720
64$308,656,745$68,220,798$42,915,016$238,836,146
65$340,015,418$71,439,302$44,228,354$261,825,322
66$374,568,760$74,811,597$45,581,773$287,105,339
67$412,642,503$78,345,095$46,976,492$314,907,620
68$454,595,602$82,047,568$48,413,768$345,487,098
69$500,823,619$85,927,165$49,894,895$379,124,607
70$551,762,460$89,992,428$51,421,207$416,129,523
71$607,892,491$94,252,317$52,994,077$456,842,662
72$669,743,068$98,716,223$54,614,921$501,639,491
73$737,897,539$103,393,996$56,285,199$550,933,653
74$812,998,747$108,295,960$58,006,412$605,180,854
75$895,755,101$113,432,945$59,780,109$664,883,154
76$986,947,263$118,816,301$61,607,884$730,593,679
77$1,087,435,519$124,457,934$63,491,383$802,921,833
78$1,198,167,894$130,370,326$65,432,297$882,539,026
79$1,320,189,112$136,566,564$67,432,371$970,184,997
80$1,454,650,448$143,060,373$69,493,403$1,066,674,767
81$1,602,820,606$149,866,143$71,617,244$1,172,906,323
82$1,766,097,687$156,998,964$73,805,801$1,289,869,060
83$1,946,022,397$164,474,658$76,061,041$1,418,653,107
84$2,144,292,583$172,309,818$78,384,987$1,560,459,585
85$2,362,779,269$180,521,842$80,779,727$1,716,611,924
86$2,603,544,316$189,128,973$83,247,409$1,888,568,327
87$2,868,859,886$198,150,343$85,790,247$2,077,935,509
88$3,161,229,897$207,606,013$88,410,524$2,286,483,832
89$3,483,413,658$217,517,019$91,110,588$2,516,163,986
90$3,838,451,920$227,905,421$93,892,860$2,769,125,377
91$4,229,695,581$238,794,352$96,759,837$3,047,736,375
92$4,660,837,325$250,208,070$99,714,086$3,354,606,644
93$5,135,946,480$262,172,014$102,758,256$3,692,611,734
94$5,659,507,437$274,712,858$105,895,073$4,064,920,193
95$6,236,461,985$287,858,578$109,127,348$4,475,023,438
96$6,872,255,968$301,638,509$112,457,975$4,926,768,668
97$7,572,890,696$316,083,415$115,889,936$5,424,395,144
98$8,344,979,601$331,225,557$119,426,303$5,972,574,158
99$9,195,810,678$347,098,766$123,070,241$6,576,453,085
100$10,133,415,284$363,738,522$126,825,011$7,241,703,928