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%13.9%
1 years$1,436,876$1,424,077$1,411,590$1,399,402$1,387,500$1,365,076
2 years$711,325$698,077$685,238$672,789$660,714$638,184
3 years$469,506$456,201$443,394$431,063$419,184$397,249
4 years$348,620$335,356$322,677$310,556$298,966$277,795
5 years$276,108$262,923$250,411$238,537$227,269$206,923
6 years$227,782$214,697$202,369$190,760$179,830$160,333
7 years$193,277$180,302$168,170$156,834$146,250$127,608
8 years$167,410$154,552$142,621$131,564$121,329$103,537
9 years$147,302$134,565$122,840$112,064$102,176$85,227
10 years$131,225$118,613$107,094$96,600$87,059$70,937
11 years$118,079$105,594$94,284$84,071$74,874$59,563
12 years$107,133$94,775$83,675$73,741$64,884$50,365
13 years$97,878$85,649$74,758$65,103$56,580$42,831
14 years$89,951$77,853$67,170$57,791$49,598$36,596
15 years$83,088$71,120$60,646$51,539$43,670$31,391
16 years$77,089$65,251$54,984$46,148$38,596$27,015
17 years$71,800$60,094$50,034$41,463$34,221$23,313
18 years$67,105$55,529$45,674$37,367$30,428$20,165
19 years$62,909$51,464$41,813$33,764$27,121$17,478
20 years$59,137$47,823$38,373$30,580$24,225$15,174
21 years$55,729$44,545$35,296$27,753$21,679$13,194
22 years$52,635$41,581$32,531$25,234$19,432$11,486
23 years$49,814$38,890$30,036$22,981$17,443$10,010
24 years$47,232$36,438$27,779$20,960$15,678$8,733
25 years$44,860$34,195$25,729$19,142$14,108$7,624
26 years$42,674$32,138$23,862$17,502$12,708$6,661
27 years$40,654$30,245$22,158$16,020$11,457$5,823
28 years$38,781$28,500$20,599$14,678$10,338$5,093
29 years$37,040$26,886$19,169$13,460$9,335$4,457
30 years$35,419$25,391$17,855$12,353$8,435$3,902
31 years$33,905$24,003$16,646$11,345$7,626$3,417
32 years$32,489$22,712$15,531$10,427$6,898$2,994
33 years$31,161$21,509$14,501$9,588$6,243$2,623
34 years$29,914$20,385$13,549$8,822$5,652$2,299
35 years$28,741$19,335$12,667$8,121$5,119$2,016
36 years$27,635$18,352$11,850$7,479$4,639$1,767
37 years$26,592$17,430$11,091$6,891$4,204$1,550
38 years$25,606$16,565$10,387$6,352$3,811$1,359
39 years$24,673$15,751$9,731$5,857$3,456$1,193
40 years$23,789$14,986$9,121$5,402$3,135$1,046
41 years$22,950$14,266$8,553$4,984$2,844$918
42 years$22,153$13,586$8,023$4,600$2,581$805
43 years$21,395$12,945$7,528$4,246$2,342$707
44 years$20,674$12,339$7,066$3,920$2,126$620
45 years$19,986$11,766$6,635$3,621$1,930$544
46 years$19,331$11,225$6,232$3,344$1,752$478
47 years$18,705$10,712$5,855$3,090$1,591$419
48 years$18,107$10,226$5,502$2,855$1,445$368
49 years$17,536$9,765$5,171$2,639$1,312$323
50 years$16,988$9,328$4,862$2,439$1,192$284

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 $2,388 every year, while hoping to spend $58,505 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: 56/16/28 Blend
34$17,400,000$17,400,000$17,400,000$17,400,000
35$19,177,263$18,255,063$17,985,363$20,103,024
36$21,071,095$19,087,312$18,525,624$21,572,581
37$23,156,137$19,958,381$19,082,023$23,166,659
38$25,451,831$20,870,109$19,655,038$24,902,372
39$27,979,599$21,824,426$20,245,163$26,793,406
40$30,763,047$22,823,352$20,852,906$28,854,816
41$33,828,188$23,869,006$21,478,787$31,103,161
42$37,203,683$24,963,607$22,123,347$33,556,657
43$40,921,116$26,109,482$22,787,137$36,235,346
44$45,015,292$27,309,068$23,470,727$39,161,281
45$49,524,560$28,564,921$24,174,705$42,358,727
46$54,491,182$29,879,718$24,899,674$45,854,388
47$59,961,725$31,256,267$25,646,256$49,677,654
48$65,987,505$32,697,509$26,415,090$53,860,872
49$72,625,070$34,206,526$27,206,835$58,439,646
50$79,936,732$35,786,551$28,022,169$63,453,170
51$87,991,157$37,440,970$28,861,790$68,944,589
52$96,864,011$39,173,333$29,726,415$74,961,402
53$106,638,675$40,987,362$30,616,785$81,555,903
54$117,407,033$42,886,955$31,533,660$88,785,672
55$129,270,336$44,876,202$32,477,824$96,714,106
56$142,340,161$46,959,387$33,450,083$105,411,014
57$156,739,463$49,141,003$34,451,266$114,953,266
58$172,603,733$51,425,756$35,482,227$125,425,517
59$190,082,278$53,818,583$36,543,847$136,920,989
60$209,339,634$56,324,657$37,637,029$149,542,350
61$230,557,112$58,949,401$38,762,705$163,402,672
62$253,934,516$61,698,499$39,921,834$178,626,489
63$279,692,022$64,577,912$41,115,401$195,350,963
64$308,072,265$67,593,886$42,344,423$213,727,171
65$339,342,619$70,752,969$43,609,944$233,921,516
66$373,797,729$74,062,028$44,913,041$256,117,295
67$411,762,289$77,528,258$46,254,819$280,516,409
68$453,594,105$81,159,206$47,636,418$307,341,266
69$499,687,476$84,962,780$49,059,011$336,836,863
70$550,476,915$88,947,272$50,523,804$369,273,086
71$606,441,248$93,121,376$52,032,039$404,947,248
72$668,108,137$97,494,205$53,584,994$444,186,880
73$736,059,060$102,075,314$55,183,984$487,352,808
74$810,934,800$106,874,720$56,830,363$534,842,545
75$893,441,493$111,902,925$58,525,524$587,094,029
76$984,357,297$117,170,940$60,270,900$644,589,739
77$1,084,539,732$122,690,307$62,067,967$707,861,233
78$1,194,933,783$128,473,130$63,918,242$777,494,151
79$1,316,580,813$134,532,098$65,823,287$854,133,722
80$1,450,628,400$140,880,514$67,784,711$938,490,837
81$1,598,341,165$147,532,328$69,804,167$1,031,348,740
82$1,761,112,716$154,502,164$71,883,359$1,133,570,401
83$1,940,478,798$161,805,355$74,024,036$1,246,106,642
84$2,138,131,797$169,457,979$76,228,003$1,370,005,087
85$2,355,936,713$177,476,893$78,497,114$1,506,420,033
86$2,595,948,768$185,879,771$80,833,278$1,656,623,316
87$2,860,432,807$194,685,145$83,238,458$1,822,016,299
88$3,151,884,683$203,912,446$85,714,675$2,004,143,067
89$3,473,054,813$213,582,048$88,264,009$2,204,704,982
90$3,826,974,150$223,715,315$90,888,600$2,425,576,709
91$4,216,982,793$234,334,645$93,590,648$2,668,823,888
92$4,646,761,523$245,463,528$96,372,419$2,936,722,600
93$5,120,366,547$257,126,589$99,236,244$3,231,780,823
94$5,642,267,797$269,349,654$102,184,520$3,556,762,067
95$6,217,391,126$282,159,801$105,219,716$3,914,711,437
96$6,851,164,813$295,585,424$108,344,369$4,308,984,332
97$7,549,570,810$309,656,295$111,561,091$4,743,278,088
98$8,319,201,215$324,403,636$114,872,569$5,221,666,840
99$9,167,320,508$339,860,183$118,281,569$5,748,639,938
100$10,101,934,133$356,060,265$121,790,935$6,329,144,289