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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.9%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,346,177
2 years$707,237$694,065$681,300$668,923$656,917$623,519
3 years$466,808$453,579$440,846$428,585$416,775$384,371
4 years$346,617$333,429$320,823$308,772$297,248$266,088
5 years$274,521$261,412$248,972$237,166$225,963$196,134
6 years$226,473$213,463$201,206$189,664$178,797$150,329
7 years$192,166$179,266$167,203$155,933$145,410$118,307
8 years$166,448$153,664$141,802$130,808$120,631$94,882
9 years$146,455$133,792$122,134$111,420$101,589$77,172
10 years$130,471$117,931$106,479$96,045$86,559$63,447
11 years$117,401$104,987$93,742$83,588$74,444$52,604
12 years$106,517$94,231$83,194$73,318$64,511$43,907
13 years$97,315$85,157$74,328$64,729$56,255$36,847
14 years$89,434$77,405$66,784$57,459$49,313$31,058
15 years$82,611$70,711$60,297$51,243$43,419$26,274
16 years$76,646$64,876$54,668$45,883$38,374$22,294
17 years$71,388$59,749$49,746$41,225$34,025$18,965
18 years$66,719$55,210$45,412$37,152$30,253$16,167
19 years$62,547$51,168$41,572$33,570$26,965$13,806
20 years$58,797$47,548$38,153$30,404$24,086$11,807
21 years$55,409$44,289$35,093$27,594$21,554$10,111
22 years$52,332$41,342$32,344$25,089$19,320$8,668
23 years$49,527$38,667$29,864$22,849$17,343$7,437
24 years$46,960$36,228$27,619$20,840$15,588$6,387
25 years$44,602$33,998$25,581$19,032$14,027$5,488
26 years$42,429$31,953$23,725$17,402$12,635$4,718
27 years$40,420$30,071$22,031$15,928$11,392$4,059
28 years$38,558$28,336$20,480$14,594$10,279$3,493
29 years$36,827$26,732$19,059$13,383$9,282$3,007
30 years$35,215$25,246$17,752$12,282$8,386$2,590
31 years$33,710$23,865$16,550$11,280$7,582$2,231
32 years$32,302$22,581$15,442$10,367$6,859$1,922
33 years$30,982$21,385$14,418$9,533$6,207$1,656
34 years$29,742$20,268$13,471$8,771$5,620$1,427
35 years$28,576$19,224$12,595$8,074$5,090$1,230
36 years$27,476$18,246$11,782$7,436$4,612$1,061
37 years$26,439$17,330$11,028$6,852$4,180$915
38 years$25,459$16,470$10,327$6,315$3,789$789
39 years$24,531$15,661$9,675$5,823$3,436$680
40 years$23,652$14,900$9,069$5,371$3,117$587
41 years$22,818$14,184$8,503$4,955$2,828$506
42 years$22,025$13,508$7,977$4,573$2,566$436
43 years$21,272$12,870$7,485$4,222$2,329$376
44 years$20,555$12,268$7,026$3,898$2,114$325
45 years$19,872$11,699$6,597$3,600$1,919$280
46 years$19,220$11,160$6,196$3,325$1,742$242
47 years$18,598$10,650$5,821$3,072$1,582$208
48 years$18,003$10,167$5,470$2,839$1,437$180
49 years$17,435$9,709$5,142$2,624$1,305$155
50 years$16,891$9,274$4,834$2,425$1,185$134

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 $5,423 every year, while hoping to spend $20,502 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: 43/45/12 Blend
34$17,300,000$17,300,000$17,300,000$17,300,000
35$19,070,194$18,153,294$17,885,144$19,823,589
36$20,993,540$19,020,991$18,462,482$21,218,100
37$23,112,380$19,930,519$19,058,474$22,725,439
38$25,446,632$20,883,904$19,673,723$24,357,946
39$28,018,248$21,883,275$20,308,852$26,127,105
40$30,851,414$22,930,860$20,964,503$28,045,508
41$33,972,785$24,028,999$21,641,341$30,126,973
42$37,411,734$25,180,144$22,340,051$32,386,662
43$41,200,628$26,386,868$23,061,339$34,841,213
44$45,375,135$27,651,868$23,805,937$37,508,893
45$49,974,561$28,977,972$24,574,599$40,409,755
46$55,042,220$30,368,147$25,368,102$43,565,822
47$60,625,844$31,825,503$26,187,250$47,001,280
48$66,778,031$33,353,303$27,032,874$50,742,695
49$73,556,743$34,954,969$27,905,829$54,819,255
50$81,025,856$36,634,088$28,806,999$59,263,032
51$89,255,758$38,394,422$29,737,298$64,109,270
52$98,324,016$40,239,920$30,697,668$69,396,703
53$108,316,107$42,174,717$31,689,082$75,167,910
54$119,326,228$44,203,156$32,712,543$81,469,702
55$131,458,180$46,329,787$33,769,090$88,353,542
56$144,826,352$48,559,385$34,859,793$95,876,021
57$159,556,800$50,896,955$35,985,756$104,099,372
58$175,788,436$53,347,748$37,148,121$113,092,041
59$193,674,340$55,917,271$38,348,066$122,929,311
60$213,383,203$58,611,298$39,586,807$133,693,995
61$235,100,924$61,435,885$40,865,599$145,477,197
62$259,032,360$64,397,386$42,185,739$158,379,152
63$285,403,264$67,502,461$43,548,564$172,510,144
64$314,462,412$70,758,097$44,955,457$187,991,529
65$346,483,956$74,171,622$46,407,843$204,956,852
66$381,770,009$77,750,720$47,907,194$223,553,082
67$420,653,497$81,503,452$49,455,032$243,941,973
68$463,501,303$85,438,271$51,052,925$266,301,562
69$510,717,731$89,564,042$52,702,494$290,827,818
70$562,748,323$93,890,064$54,405,411$317,736,463
71$620,084,063$98,426,088$56,163,403$347,264,971
72$683,266,015$103,182,343$57,978,254$379,674,781
73$752,890,426$108,169,555$59,851,803$415,253,722
74$829,614,363$113,398,977$61,785,952$454,318,700
75$914,161,908$118,882,407$63,782,662$497,218,641
76$1,007,330,999$124,632,222$65,843,958$544,337,750
77$1,110,000,962$130,661,402$67,971,931$596,099,090
78$1,223,140,811$136,983,561$70,168,742$652,968,534
79$1,347,818,396$143,612,978$72,436,617$715,459,109
80$1,485,210,488$150,564,629$74,777,859$784,135,796
81$1,636,613,883$157,854,221$77,194,843$859,620,803
82$1,803,457,650$165,498,229$79,690,021$942,599,391
83$1,987,316,620$173,513,932$82,265,926$1,033,826,279
84$2,189,926,253$181,919,452$84,925,172$1,134,132,711
85$2,413,199,024$190,733,798$87,670,458$1,244,434,241
86$2,659,242,476$199,976,906$90,504,570$1,365,739,307
87$2,930,379,121$209,669,687$93,430,386$1,499,158,681
88$3,229,168,361$219,834,072$96,450,874$1,645,915,883
89$3,558,430,657$230,493,065$99,569,102$1,807,358,656
90$3,921,274,152$241,670,793$102,788,234$1,984,971,606
91$4,321,124,016$253,392,562$106,111,540$2,180,390,137
92$4,761,754,783$265,684,914$109,542,394$2,395,415,796
93$5,247,325,985$278,575,689$113,084,279$2,632,033,194
94$5,782,421,425$292,094,088$116,740,792$2,892,428,641
95$6,372,092,448$306,270,735$120,515,646$3,179,010,686
96$7,021,905,632$321,137,756$124,412,674$3,494,432,748
97$7,737,995,343$336,728,843$128,435,836$3,841,618,052
98$8,527,121,648$353,079,336$132,589,216$4,223,787,115
99$9,396,734,136$370,226,303$136,877,035$4,644,488,018
100$10,355,042,249$388,208,623$141,303,646$5,107,629,782