Can I retire at age 35 with 17,400,000?

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 $17,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$1,436,876$1,424,077$1,411,590$1,399,402$1,387,500$1,361,156
2 years$711,325$698,077$685,238$672,789$660,714$634,276
3 years$469,506$456,201$443,394$431,063$419,184$393,476
4 years$348,620$335,356$322,677$310,556$298,966$274,185
5 years$276,108$262,923$250,411$238,537$227,269$203,486
6 years$227,782$214,697$202,369$190,760$179,830$157,072
7 years$193,277$180,302$168,170$156,834$146,250$124,523
8 years$167,410$154,552$142,621$131,564$121,329$100,626
9 years$147,302$134,565$122,840$112,064$102,176$82,485
10 years$131,225$118,613$107,094$96,600$87,059$68,362
11 years$118,079$105,594$94,284$84,071$74,874$57,148
12 years$107,133$94,775$83,675$73,741$64,884$48,105
13 years$97,878$85,649$74,758$65,103$56,580$40,721
14 years$89,951$77,853$67,170$57,791$49,598$34,629
15 years$83,088$71,120$60,646$51,539$43,670$29,561
16 years$77,089$65,251$54,984$46,148$38,596$25,315
17 years$71,800$60,094$50,034$41,463$34,221$21,737
18 years$67,105$55,529$45,674$37,367$30,428$18,707
19 years$62,909$51,464$41,813$33,764$27,121$16,130
20 years$59,137$47,823$38,373$30,580$24,225$13,931
21 years$55,729$44,545$35,296$27,753$21,679$12,049
22 years$52,635$41,581$32,531$25,234$19,432$10,433
23 years$49,814$38,890$30,036$22,981$17,443$9,044
24 years$47,232$36,438$27,779$20,960$15,678$7,846
25 years$44,860$34,195$25,729$19,142$14,108$6,812
26 years$42,674$32,138$23,862$17,502$12,708$5,918
27 years$40,654$30,245$22,158$16,020$11,457$5,145
28 years$38,781$28,500$20,599$14,678$10,338$4,475
29 years$37,040$26,886$19,169$13,460$9,335$3,893
30 years$35,419$25,391$17,855$12,353$8,435$3,389
31 years$33,905$24,003$16,646$11,345$7,626$2,951
32 years$32,489$22,712$15,531$10,427$6,898$2,570
33 years$31,161$21,509$14,501$9,588$6,243$2,239
34 years$29,914$20,385$13,549$8,822$5,652$1,951
35 years$28,741$19,335$12,667$8,121$5,119$1,700
36 years$27,635$18,352$11,850$7,479$4,639$1,482
37 years$26,592$17,430$11,091$6,891$4,204$1,292
38 years$25,606$16,565$10,387$6,352$3,811$1,126
39 years$24,673$15,751$9,731$5,857$3,456$982
40 years$23,789$14,986$9,121$5,402$3,135$857
41 years$22,950$14,266$8,553$4,984$2,844$747
42 years$22,153$13,586$8,023$4,600$2,581$652
43 years$21,395$12,945$7,528$4,246$2,342$568
44 years$20,674$12,339$7,066$3,920$2,126$496
45 years$19,986$11,766$6,635$3,621$1,930$432
46 years$19,331$11,225$6,232$3,344$1,752$377
47 years$18,705$10,712$5,855$3,090$1,591$329
48 years$18,107$10,226$5,502$2,855$1,445$287
49 years$17,536$9,765$5,171$2,639$1,312$250
50 years$16,988$9,328$4,862$2,439$1,192$219

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,400,000, adding $2,056 every year, while hoping to spend $26,162 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: 52/30/18 Blend
34$17,400,000$17,400,000$17,400,000$17,400,000
35$19,176,921$18,254,721$17,985,021$20,079,500
36$21,105,131$19,121,366$18,559,683$21,566,289
37$23,229,141$20,029,600$19,152,719$23,179,640
38$25,568,896$20,981,433$19,764,718$24,933,872
39$28,146,373$21,978,973$20,396,285$26,842,355
40$30,985,790$23,024,429$21,048,048$28,919,778
41$34,113,835$24,120,121$21,720,652$31,182,285
42$37,559,917$25,268,478$22,414,765$33,647,617
43$41,356,443$26,472,048$23,131,074$36,335,275
44$45,539,125$27,733,503$23,870,290$39,266,696
45$50,147,317$29,055,646$24,633,146$42,465,449
46$55,224,386$30,441,415$25,420,399$45,957,452
47$60,818,120$31,893,891$26,232,829$49,771,204
48$66,981,181$33,416,304$27,071,241$53,938,049
49$73,771,602$35,012,044$27,936,469$58,492,464
50$81,253,334$36,684,663$28,829,369$63,472,372
51$89,496,850$38,437,887$29,750,828$68,919,494
52$98,579,807$40,275,622$30,701,760$74,879,732
53$108,587,786$42,201,966$31,683,107$81,403,591
54$119,615,093$44,221,215$32,695,845$88,546,646
55$131,765,654$46,337,876$33,740,976$96,370,055
56$145,153,990$48,556,672$34,819,539$104,941,124
57$159,906,307$50,882,558$35,932,603$114,333,932
58$176,161,678$53,320,731$37,081,273$124,630,014
59$194,073,362$55,876,640$38,266,689$135,919,121
60$213,810,249$58,555,999$39,490,026$148,300,050
61$235,558,452$61,364,801$40,752,500$161,881,564
62$259,523,068$64,309,330$42,055,363$176,783,403
63$285,930,111$67,396,177$43,399,907$193,137,396
64$315,028,646$70,632,254$44,787,468$211,088,692
65$347,093,143$74,024,809$46,219,423$230,797,109
66$382,426,063$77,581,444$47,697,193$252,438,627
67$421,360,717$81,310,130$49,222,245$276,207,028
68$464,264,413$85,219,229$50,796,093$302,315,708
69$511,541,920$89,317,509$52,420,299$330,999,664
70$563,639,293$93,614,164$54,096,476$362,517,699
71$621,048,081$98,118,838$55,826,288$397,154,835
72$684,309,969$102,841,645$57,611,452$435,224,980
73$754,021,891$107,793,191$59,453,742$477,073,870
74$830,841,667$112,984,601$61,354,985$523,082,304
75$915,494,212$118,427,540$63,317,071$573,669,708
76$1,008,778,376$124,134,244$65,341,948$629,298,070
77$1,111,574,494$130,117,546$67,431,627$690,476,269
78$1,224,852,688$136,390,901$69,588,182$757,764,845
79$1,349,682,032$142,968,426$71,813,756$831,781,261
80$1,487,240,642$149,864,921$74,110,560$913,205,694
81$1,638,826,799$157,095,913$76,480,875$1,002,787,421
82$1,805,871,203$164,677,683$78,927,054$1,101,351,853
83$1,989,950,484$172,627,309$81,451,529$1,209,808,289
84$2,192,802,085$180,962,699$84,056,808$1,329,158,455
85$2,416,340,664$189,702,637$86,745,477$1,460,505,921
86$2,662,676,170$198,866,825$89,520,209$1,605,066,469
87$2,934,133,764$208,475,924$92,383,760$1,764,179,523
88$3,233,275,768$218,551,604$95,338,977$1,939,320,747
89$3,562,925,858$229,116,594$98,388,794$2,132,115,919
90$3,926,195,720$240,194,732$101,536,243$2,344,356,225
91$4,326,514,428$251,811,018$104,784,451$2,578,015,112
92$4,767,660,816$263,991,674$108,136,646$2,835,266,856
93$5,253,799,156$276,764,203$111,596,161$3,118,507,026
94$5,789,518,470$290,157,449$115,166,433$3,430,375,033
95$6,379,875,856$304,201,667$118,851,011$3,773,778,978
96$7,030,444,231$318,928,585$122,653,556$4,151,923,031
97$7,747,364,942$334,371,485$126,577,850$4,568,337,608
98$8,537,405,750$350,565,273$130,627,793$5,026,912,618
99$9,408,024,724$367,546,558$134,807,410$5,531,934,101
100$10,367,440,645$385,353,739$139,120,858$6,088,124,608