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%11.2%
1 years$1,436,876$1,424,077$1,411,590$1,399,402$1,387,500$1,380,493
2 years$711,325$698,077$685,238$672,789$660,714$653,642
3 years$469,506$456,201$443,394$431,063$419,184$412,267
4 years$348,620$335,356$322,677$310,556$298,966$292,256
5 years$276,108$262,923$250,411$238,537$227,269$220,786
6 years$227,782$214,697$202,369$190,760$179,830$173,583
7 years$193,277$180,302$168,170$156,834$146,250$140,242
8 years$167,410$154,552$142,621$131,564$121,329$115,560
9 years$147,302$134,565$122,840$112,064$102,176$96,645
10 years$131,225$118,613$107,094$96,600$87,059$81,764
11 years$118,079$105,594$94,284$84,071$74,874$69,810
12 years$107,133$94,775$83,675$73,741$64,884$60,048
13 years$97,878$85,649$74,758$65,103$56,580$51,967
14 years$89,951$77,853$67,170$57,791$49,598$45,203
15 years$83,088$71,120$60,646$51,539$43,670$39,488
16 years$77,089$65,251$54,984$46,148$38,596$34,620
17 years$71,800$60,094$50,034$41,463$34,221$30,446
18 years$67,105$55,529$45,674$37,367$30,428$26,847
19 years$62,909$51,464$41,813$33,764$27,121$23,728
20 years$59,137$47,823$38,373$30,580$24,225$21,014
21 years$55,729$44,545$35,296$27,753$21,679$18,642
22 years$52,635$41,581$32,531$25,234$19,432$16,563
23 years$49,814$38,890$30,036$22,981$17,443$14,736
24 years$47,232$36,438$27,779$20,960$15,678$13,126
25 years$44,860$34,195$25,729$19,142$14,108$11,704
26 years$42,674$32,138$23,862$17,502$12,708$10,445
27 years$40,654$30,245$22,158$16,020$11,457$9,330
28 years$38,781$28,500$20,599$14,678$10,338$8,339
29 years$37,040$26,886$19,169$13,460$9,335$7,459
30 years$35,419$25,391$17,855$12,353$8,435$6,675
31 years$33,905$24,003$16,646$11,345$7,626$5,977
32 years$32,489$22,712$15,531$10,427$6,898$5,354
33 years$31,161$21,509$14,501$9,588$6,243$4,798
34 years$29,914$20,385$13,549$8,822$5,652$4,301
35 years$28,741$19,335$12,667$8,121$5,119$3,857
36 years$27,635$18,352$11,850$7,479$4,639$3,460
37 years$26,592$17,430$11,091$6,891$4,204$3,105
38 years$25,606$16,565$10,387$6,352$3,811$2,786
39 years$24,673$15,751$9,731$5,857$3,456$2,501
40 years$23,789$14,986$9,121$5,402$3,135$2,246
41 years$22,950$14,266$8,553$4,984$2,844$2,016
42 years$22,153$13,586$8,023$4,600$2,581$1,811
43 years$21,395$12,945$7,528$4,246$2,342$1,627
44 years$20,674$12,339$7,066$3,920$2,126$1,461
45 years$19,986$11,766$6,635$3,621$1,930$1,313
46 years$19,331$11,225$6,232$3,344$1,752$1,180
47 years$18,705$10,712$5,855$3,090$1,591$1,060
48 years$18,107$10,226$5,502$2,855$1,445$953
49 years$17,536$9,765$5,171$2,639$1,312$856
50 years$16,988$9,328$4,862$2,439$1,192$769

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 $6,327 every year, while hoping to spend $33,969 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: 72/20/8 Blend
34$17,400,000$17,400,000$17,400,000$17,400,000
35$19,181,326$18,259,126$17,989,426$20,536,801
36$21,101,679$19,117,681$18,555,929$22,291,115
37$23,216,769$20,017,166$19,140,272$24,206,435
38$25,546,424$20,959,551$19,743,015$26,302,525
39$28,112,492$21,946,902$20,364,739$28,597,201
40$30,939,050$22,981,384$21,006,042$31,110,069
41$34,052,627$24,065,267$21,667,539$33,862,708
42$37,482,460$25,200,930$22,349,866$36,878,866
43$41,260,765$26,390,869$23,053,681$40,184,683
44$45,423,043$27,637,701$23,779,658$43,808,931
45$50,008,413$28,944,169$24,528,497$47,783,283
46$55,059,987$30,313,148$25,300,917$52,142,609
47$60,625,268$31,747,655$26,097,660$56,925,293
48$66,756,606$33,250,852$26,919,493$62,173,600
49$73,511,690$34,826,053$27,767,206$67,934,061
50$80,954,088$36,476,735$28,641,613$74,257,913
51$89,153,853$38,206,543$29,543,555$81,201,572
52$98,188,181$40,019,299$30,473,899$88,827,162
53$108,142,141$41,919,010$31,433,540$97,203,095
54$119,109,475$43,909,877$32,423,400$106,404,708
55$131,193,488$45,996,308$33,444,430$116,514,970
56$144,508,019$48,182,922$34,497,613$127,625,256
57$159,178,514$50,474,562$35,583,961$139,836,201
58$175,343,216$52,876,309$36,704,517$153,258,644
59$193,154,465$55,393,490$37,860,359$168,014,665
60$212,780,138$58,031,689$39,052,599$184,238,727
61$234,405,234$60,796,763$40,282,383$202,078,940
62$258,233,617$63,694,853$41,550,892$221,698,444
63$284,489,945$66,732,400$42,859,346$243,276,945
64$313,421,788$69,916,157$44,209,003$267,012,394
65$345,301,967$73,253,204$45,601,160$293,122,852
66$380,431,124$76,750,968$47,037,156$321,848,531
67$419,140,570$80,417,236$48,518,372$353,454,051
68$461,795,400$84,260,174$50,046,230$388,230,927
69$508,797,953$88,288,344$51,622,200$426,500,307
70$560,591,597$92,510,726$53,247,797$468,615,989
71$617,664,925$96,936,736$54,924,583$514,967,744
72$680,556,361$101,576,250$56,654,170$565,984,988
73$749,859,247$106,439,624$58,438,222$622,140,809
74$826,227,441$111,537,715$60,278,453$683,956,427
75$910,381,490$116,881,914$62,176,632$752,006,088
76$1,003,115,436$122,484,162$64,134,583$826,922,473
77$1,105,304,309$128,356,984$66,154,190$909,402,650
78$1,217,912,386$134,513,514$68,237,393$1,000,214,630
79$1,342,002,299$140,967,525$70,386,194$1,100,204,605
80$1,478,745,062$147,733,463$72,602,661$1,210,304,906
81$1,629,431,131$154,826,475$74,888,923$1,331,542,785
82$1,795,482,582$162,262,449$77,247,178$1,465,050,091
83$1,978,466,540$170,058,043$79,679,693$1,612,073,926
84$2,180,109,971$178,230,731$82,188,806$1,773,988,394
85$2,402,315,986$186,798,835$84,776,929$1,952,307,543
86$2,647,181,812$195,781,573$87,446,551$2,148,699,633
87$2,917,018,584$205,199,097$90,200,238$2,365,002,854
88$3,214,373,169$215,072,543$93,040,636$2,603,242,645
89$3,542,052,212$225,424,077$95,970,476$2,865,650,786
90$3,903,148,625$236,276,944$98,992,575$3,154,686,429
91$4,301,070,796$247,655,525$102,109,837$3,473,059,280
92$4,739,574,760$259,585,389$105,325,260$3,823,755,140
93$5,222,799,663$272,093,350$108,641,933$4,210,064,055
94$5,755,306,836$285,207,532$112,063,046$4,635,611,333
95$6,342,122,862$298,957,430$115,591,887$5,104,391,725
96$6,988,787,027$313,373,977$119,231,847$5,620,807,093
97$7,701,403,616$328,489,615$122,986,427$6,189,707,918
98$8,486,699,548$344,338,369$126,859,236$6,816,439,044
99$9,352,087,877$360,955,924$130,853,995$7,506,890,078
100$10,305,737,782$378,379,706$134,974,545$8,267,550,946