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%18.4%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,332,701
2 years$707,237$694,065$681,300$668,923$656,917$610,211
3 years$466,808$453,579$440,846$428,585$416,775$371,655
4 years$346,617$333,429$320,823$308,772$297,248$254,058
5 years$274,521$261,412$248,972$237,166$225,963$184,819
6 years$226,473$213,463$201,206$189,664$178,797$139,731
7 years$192,166$179,266$167,203$155,933$145,410$108,415
8 years$166,448$153,664$141,802$130,808$120,631$85,680
9 years$146,455$133,792$122,134$111,420$101,589$68,638
10 years$130,471$117,931$106,479$96,045$86,559$55,555
11 years$117,401$104,987$93,742$83,588$74,444$45,325
12 years$106,517$94,231$83,194$73,318$64,511$37,213
13 years$97,315$85,157$74,328$64,729$56,255$30,705
14 years$89,434$77,405$66,784$57,459$49,313$25,439
15 years$82,611$70,711$60,297$51,243$43,419$21,144
16 years$76,646$64,876$54,668$45,883$38,374$17,622
17 years$71,388$59,749$49,746$41,225$34,025$14,719
18 years$66,719$55,210$45,412$37,152$30,253$12,317
19 years$62,547$51,168$41,572$33,570$26,965$10,322
20 years$58,797$47,548$38,153$30,404$24,086$8,661
21 years$55,409$44,289$35,093$27,594$21,554$7,275
22 years$52,332$41,342$32,344$25,089$19,320$6,117
23 years$49,527$38,667$29,864$22,849$17,343$5,146
24 years$46,960$36,228$27,619$20,840$15,588$4,332
25 years$44,602$33,998$25,581$19,032$14,027$3,649
26 years$42,429$31,953$23,725$17,402$12,635$3,075
27 years$40,420$30,071$22,031$15,928$11,392$2,592
28 years$38,558$28,336$20,480$14,594$10,279$2,186
29 years$36,827$26,732$19,059$13,383$9,282$1,843
30 years$35,215$25,246$17,752$12,282$8,386$1,555
31 years$33,710$23,865$16,550$11,280$7,582$1,312
32 years$32,302$22,581$15,442$10,367$6,859$1,107
33 years$30,982$21,385$14,418$9,533$6,207$935
34 years$29,742$20,268$13,471$8,771$5,620$789
35 years$28,576$19,224$12,595$8,074$5,090$666
36 years$27,476$18,246$11,782$7,436$4,612$562
37 years$26,439$17,330$11,028$6,852$4,180$475
38 years$25,459$16,470$10,327$6,315$3,789$401
39 years$24,531$15,661$9,675$5,823$3,436$338
40 years$23,652$14,900$9,069$5,371$3,117$286
41 years$22,818$14,184$8,503$4,955$2,828$241
42 years$22,025$13,508$7,977$4,573$2,566$204
43 years$21,272$12,870$7,485$4,222$2,329$172
44 years$20,555$12,268$7,026$3,898$2,114$145
45 years$19,872$11,699$6,597$3,600$1,919$123
46 years$19,220$11,160$6,196$3,325$1,742$104
47 years$18,598$10,650$5,821$3,072$1,582$88
48 years$18,003$10,167$5,470$2,839$1,437$74
49 years$17,435$9,709$5,142$2,624$1,305$62
50 years$16,891$9,274$4,834$2,425$1,185$53

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 $5,452 every year, while hoping to spend $41,354 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: 35/43/22 Blend
34$17,300,000$17,300,000$17,300,000$17,300,000
35$19,070,224$18,153,324$17,885,174$19,609,996
36$20,971,386$18,998,836$18,440,327$20,854,068
37$23,065,081$19,884,393$19,012,691$22,191,282
38$25,370,904$20,811,912$19,602,800$23,633,278
39$27,910,445$21,783,405$20,211,204$25,189,418
40$30,707,498$22,800,980$20,838,467$26,869,957
41$33,788,282$23,866,847$21,485,175$28,686,139
42$37,181,688$24,983,323$22,151,929$30,650,288
43$40,919,551$26,152,837$22,839,349$32,775,920
44$45,036,954$27,377,935$23,548,076$35,077,861
45$49,572,556$28,661,287$24,278,770$37,572,376
46$54,568,957$30,005,690$25,032,109$40,277,312
47$60,073,101$31,414,079$25,808,795$43,212,259
48$66,136,719$32,889,530$26,609,550$46,398,721
49$72,816,814$34,435,267$27,435,120$49,860,308
50$80,176,205$36,054,671$28,286,273$53,622,949
51$88,284,113$37,751,286$29,163,799$57,715,122
52$97,216,822$39,528,828$30,068,515$62,168,110
53$107,058,390$41,391,193$31,001,263$67,016,285
54$117,901,451$43,342,466$31,962,910$72,297,414
55$129,848,081$45,386,929$32,954,349$78,053,004
56$143,010,768$47,529,072$33,976,503$84,328,677
57$157,513,473$49,773,602$35,030,322$91,174,583
58$173,492,795$52,125,457$36,116,786$98,645,858
59$191,099,266$54,589,810$37,236,904$106,803,127
60$210,498,769$57,172,088$38,391,718$115,713,055
61$231,874,103$59,877,980$39,582,300$125,448,957
62$255,426,711$62,713,451$40,809,757$136,091,474
63$281,378,582$65,684,756$42,075,230$147,729,307
64$309,974,341$68,798,453$43,379,894$160,460,033
65$341,483,564$72,061,418$44,724,961$174,391,006
66$376,203,321$75,480,861$46,111,681$189,640,342
67$414,460,980$79,064,342$47,541,342$206,338,009
68$456,617,294$82,819,790$49,015,271$224,627,029
69$503,069,813$86,755,514$50,534,838$244,664,796
70$554,256,632$90,880,233$52,101,453$266,624,538
71$610,660,528$95,203,084$53,716,571$290,696,914
72$672,813,518$99,733,651$55,381,692$317,091,786
73$741,301,879$104,481,982$57,098,361$346,040,168
74$816,771,687$109,458,615$58,868,173$377,796,365
75$899,934,911$114,674,600$60,692,769$412,640,342
76$991,576,139$120,141,521$62,573,843$450,880,325
77$1,092,559,979$125,871,530$64,513,141$492,855,673
78$1,203,839,228$131,877,366$66,512,462$538,940,034
79$1,326,463,861$138,172,389$68,573,661$589,544,833
80$1,461,590,948$144,770,609$70,698,652$645,123,106
81$1,610,495,572$151,686,716$72,889,404$706,173,727
82$1,774,582,871$158,936,117$75,147,950$773,246,071
83$1,955,401,303$166,534,965$77,476,386$846,945,139
84$2,154,657,261$174,500,204$79,876,870$927,937,222
85$2,374,231,185$182,849,597$82,351,628$1,016,956,125
86$2,616,195,314$191,601,775$84,902,955$1,114,810,036
87$2,882,833,249$200,776,275$87,533,218$1,222,389,091
88$3,176,661,513$210,393,585$90,244,853$1,340,673,710
89$3,500,453,307$220,475,191$93,040,376$1,470,743,779
90$3,857,264,693$231,043,623$95,922,376$1,613,788,773
91$4,250,463,441$242,122,511$98,893,526$1,771,118,909
92$4,683,760,831$253,736,633$101,956,578$1,944,177,430
93$5,161,246,684$265,911,976$105,114,371$2,134,554,148
94$5,687,427,974$278,675,791$108,369,831$2,344,000,360
95$6,267,271,382$292,056,659$111,725,974$2,574,445,294
96$6,906,250,178$306,084,550$115,185,909$2,828,014,216
97$7,610,395,900$320,790,897$118,752,842$3,107,048,398
98$8,386,355,294$336,208,664$122,430,074$3,414,127,110
99$9,241,453,066$352,372,420$126,221,013$3,752,091,860
100$10,183,761,030$369,318,420$130,129,169$4,124,073,099