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%19.5%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,326,888
2 years$707,237$694,065$681,300$668,923$656,917$604,505
3 years$466,808$453,579$440,846$428,585$416,775$366,238
4 years$346,617$333,429$320,823$308,772$297,248$248,970
5 years$274,521$261,412$248,972$237,166$225,963$180,069
6 years$226,473$213,463$201,206$189,664$178,797$135,318
7 years$192,166$179,266$167,203$155,933$145,410$104,333
8 years$166,448$153,664$141,802$130,808$120,631$81,918
9 years$146,455$133,792$122,134$111,420$101,589$65,183
10 years$130,471$117,931$106,479$96,045$86,559$52,393
11 years$117,401$104,987$93,742$83,588$74,444$42,441
12 years$106,517$94,231$83,194$73,318$64,511$34,590
13 years$97,315$85,157$74,328$64,729$56,255$28,327
14 years$89,434$77,405$66,784$57,459$49,313$23,289
15 years$82,611$70,711$60,297$51,243$43,419$19,206
16 years$76,646$64,876$54,668$45,883$38,374$15,880
17 years$71,388$59,749$49,746$41,225$34,025$13,157
18 years$66,719$55,210$45,412$37,152$30,253$10,919
19 years$62,547$51,168$41,572$33,570$26,965$9,075
20 years$58,797$47,548$38,153$30,404$24,086$7,551
21 years$55,409$44,289$35,093$27,594$21,554$6,289
22 years$52,332$41,342$32,344$25,089$19,320$5,242
23 years$49,527$38,667$29,864$22,849$17,343$4,372
24 years$46,960$36,228$27,619$20,840$15,588$3,649
25 years$44,602$33,998$25,581$19,032$14,027$3,046
26 years$42,429$31,953$23,725$17,402$12,635$2,544
27 years$40,420$30,071$22,031$15,928$11,392$2,126
28 years$38,558$28,336$20,480$14,594$10,279$1,776
29 years$36,827$26,732$19,059$13,383$9,282$1,485
30 years$35,215$25,246$17,752$12,282$8,386$1,241
31 years$33,710$23,865$16,550$11,280$7,582$1,038
32 years$32,302$22,581$15,442$10,367$6,859$868
33 years$30,982$21,385$14,418$9,533$6,207$726
34 years$29,742$20,268$13,471$8,771$5,620$607
35 years$28,576$19,224$12,595$8,074$5,090$508
36 years$27,476$18,246$11,782$7,436$4,612$425
37 years$26,439$17,330$11,028$6,852$4,180$356
38 years$25,459$16,470$10,327$6,315$3,789$297
39 years$24,531$15,661$9,675$5,823$3,436$249
40 years$23,652$14,900$9,069$5,371$3,117$208
41 years$22,818$14,184$8,503$4,955$2,828$174
42 years$22,025$13,508$7,977$4,573$2,566$146
43 years$21,272$12,870$7,485$4,222$2,329$122
44 years$20,555$12,268$7,026$3,898$2,114$102
45 years$19,872$11,699$6,597$3,600$1,919$85
46 years$19,220$11,160$6,196$3,325$1,742$71
47 years$18,598$10,650$5,821$3,072$1,582$60
48 years$18,003$10,167$5,470$2,839$1,437$50
49 years$17,435$9,709$5,142$2,624$1,305$42
50 years$16,891$9,274$4,834$2,425$1,185$35

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 $6,355 every year, while hoping to spend $24,540 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: 52/19/29 Blend
34$17,300,000$17,300,000$17,300,000$17,300,000
35$19,071,155$18,154,255$17,886,105$19,907,121
36$20,990,303$19,017,703$18,459,179$21,353,076
37$23,104,381$19,922,638$19,050,629$22,922,215
38$25,433,246$20,871,066$19,661,044$24,628,791
39$27,998,781$21,865,092$20,291,032$26,485,945
40$30,825,098$22,906,922$20,941,223$28,508,122
41$33,938,768$23,998,871$21,612,264$30,711,203
42$37,369,071$25,143,366$22,304,824$33,112,654
43$41,148,275$26,342,949$23,019,595$35,731,677
44$45,311,936$27,600,291$23,757,288$38,589,393
45$49,899,236$28,918,188$24,518,640$41,709,034
46$54,953,354$30,299,574$25,304,410$45,116,155
47$60,521,870$31,747,527$26,115,381$48,838,870
48$66,657,218$33,265,273$26,952,364$52,908,111
49$73,417,178$34,856,195$27,816,191$57,357,914
50$80,865,423$36,523,842$28,707,727$62,225,730
51$89,072,119$38,271,933$29,627,859$67,552,776
52$98,114,589$40,104,371$30,577,505$73,384,414
53$108,078,039$42,025,248$31,557,614$79,770,570
54$119,056,368$44,038,854$32,569,164$86,766,201
55$131,153,050$46,149,690$33,613,162$94,431,799
56$144,482,110$48,362,474$34,690,652$102,833,960
57$159,169,205$50,682,155$35,802,709$112,045,999
58$175,352,806$53,113,922$36,950,442$122,148,632
59$193,185,507$55,663,219$38,134,997$133,230,730
60$212,835,465$58,335,754$39,357,555$145,390,145
61$234,487,988$61,137,511$40,619,339$158,734,624
62$258,347,282$64,074,768$41,921,606$173,382,817
63$284,638,381$67,154,109$43,265,657$189,465,377
64$313,609,273$70,382,437$44,652,833$207,126,189
65$345,533,236$73,766,993$46,084,520$226,523,712
66$380,711,421$77,315,371$47,562,146$247,832,459
67$419,475,696$81,035,534$49,087,188$271,244,633
68$462,191,775$84,935,834$50,661,167$296,971,924
69$509,262,676$89,025,029$52,285,656$325,247,494
70$561,132,520$93,312,306$53,962,276$356,328,160
71$618,290,727$97,807,299$55,692,702$390,496,800
72$681,276,635$102,520,112$57,478,663$428,065,011
73$750,684,595$107,461,340$59,321,940$469,376,023
74$827,169,575$112,642,097$61,224,377$514,807,928
75$911,453,351$118,074,039$63,187,872$564,777,225
76$1,004,331,314$123,769,388$65,214,388$619,742,729
77$1,106,679,986$129,740,966$67,305,948$680,209,885
78$1,219,465,290$136,002,219$69,464,642$746,735,509
79$1,343,751,669$142,567,246$71,692,627$819,933,030
80$1,480,712,137$149,450,840$73,992,128$900,478,246
81$1,631,639,353$156,668,509$76,365,443$989,115,682
82$1,797,957,825$164,236,524$78,814,943$1,086,665,591
83$1,981,237,356$172,171,946$81,343,076$1,194,031,669
84$2,183,207,866$180,492,671$83,952,369$1,312,209,552
85$2,405,775,723$189,217,467$86,645,428$1,442,296,188
86$2,651,041,742$198,366,018$89,424,945$1,585,500,159
87$2,921,321,017$207,958,970$92,293,698$1,743,153,054
88$3,219,164,778$218,017,977$95,254,554$1,916,722,005
89$3,547,384,477$228,565,750$98,310,473$2,107,823,500
90$3,909,078,329$239,626,107$101,464,510$2,318,238,604
91$4,307,660,565$251,224,032$104,719,817$2,549,929,731
92$4,746,893,660$263,385,727$108,079,648$2,805,059,130
93$5,230,923,859$276,138,674$111,547,363$3,086,009,248
94$5,764,320,322$289,511,698$115,126,428$3,395,405,181
95$6,352,118,253$303,535,030$118,820,422$3,736,139,401
96$6,999,866,447$318,240,379$122,633,039$4,111,399,017
97$7,713,679,670$333,661,002$126,568,090$4,524,695,806
98$8,500,296,386$349,831,781$130,629,511$4,979,899,309
99$9,367,142,381$366,789,302$134,821,364$5,481,273,308
100$10,322,400,865$384,571,939$139,147,840$6,033,516,015