Can I retire at age 35 with 17,500,000?

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 $17,500,000?

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$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,348,108
2 years$715,413$702,089$689,176$676,656$664,512$617,266
3 years$472,204$458,823$445,942$433,540$421,594$375,952
4 years$350,624$337,283$324,532$312,341$300,684$256,995
5 years$277,695$264,434$251,850$239,908$228,575$186,955
6 years$229,091$215,930$203,532$191,856$180,864$141,346
7 years$194,388$181,338$169,136$157,736$147,091$109,668
8 years$168,372$155,440$143,441$132,321$122,026$86,670
9 years$148,149$135,339$123,546$112,708$102,763$69,431
10 years$131,979$119,294$107,710$97,155$87,560$56,197
11 years$118,758$106,201$94,826$84,554$75,304$45,849
12 years$107,749$95,320$84,156$74,165$65,257$37,643
13 years$98,440$86,142$75,188$65,477$56,905$31,060
14 years$90,468$78,300$67,556$58,123$49,883$25,733
15 years$83,566$71,529$60,994$51,836$43,921$21,389
16 years$77,532$65,626$55,300$46,413$38,817$17,826
17 years$72,213$60,439$50,321$41,702$34,418$14,889
18 years$67,491$55,849$45,937$37,582$30,603$12,459
19 years$63,271$51,760$42,053$33,958$27,277$10,442
20 years$59,477$48,098$38,594$30,756$24,364$8,762
21 years$56,049$44,801$35,499$27,913$21,803$7,360
22 years$52,937$41,820$32,718$25,379$19,544$6,187
23 years$50,100$39,114$30,209$23,113$17,544$5,206
24 years$47,503$36,647$27,938$21,081$15,769$4,382
25 years$45,118$34,391$25,877$19,252$14,189$3,691
26 years$42,919$32,322$23,999$17,603$12,781$3,110
27 years$40,887$30,419$22,285$16,113$11,523$2,622
28 years$39,004$28,664$20,717$14,763$10,398$2,211
29 years$37,253$27,041$19,279$13,538$9,389$1,865
30 years$35,622$25,537$17,958$12,424$8,483$1,573
31 years$34,100$24,141$16,741$11,411$7,670$1,327
32 years$32,675$22,843$15,620$10,487$6,938$1,120
33 years$31,340$21,632$14,585$9,643$6,279$945
34 years$30,086$20,502$13,627$8,873$5,685$798
35 years$28,906$19,446$12,740$8,168$5,149$674
36 years$27,794$18,457$11,918$7,522$4,665$569
37 years$26,745$17,530$11,155$6,931$4,228$480
38 years$25,753$16,660$10,446$6,388$3,833$405
39 years$24,815$15,842$9,787$5,890$3,476$342
40 years$23,925$15,072$9,173$5,433$3,153$289
41 years$23,082$14,347$8,602$5,013$2,860$244
42 years$22,280$13,664$8,069$4,626$2,596$206
43 years$21,518$13,019$7,571$4,270$2,356$174
44 years$20,792$12,410$7,107$3,943$2,138$147
45 years$20,101$11,834$6,673$3,641$1,941$124
46 years$19,442$11,289$6,268$3,364$1,762$105
47 years$18,813$10,773$5,888$3,108$1,600$89
48 years$18,211$10,285$5,534$2,872$1,453$75
49 years$17,636$9,821$5,201$2,654$1,320$63
50 years$17,086$9,382$4,890$2,453$1,199$53

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,500,000, adding $4,291 every year, while hoping to spend $28,020 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: 54/33/13 Blend
34$17,500,000$17,500,000$17,500,000$17,500,000
35$19,289,426$18,361,926$18,090,676$20,265,338
36$21,227,135$19,231,847$18,666,901$21,799,577
37$23,361,550$20,143,456$19,261,490$23,465,254
38$25,712,707$21,098,764$19,875,029$25,277,585
39$28,302,683$22,099,884$20,508,122$27,250,520
40$31,155,806$23,149,027$21,161,394$29,399,387
41$34,298,885$24,248,516$21,835,486$31,741,028
42$37,761,460$25,400,782$22,531,065$34,293,955
43$41,576,088$26,608,379$23,248,813$37,078,516
44$45,778,640$27,873,981$23,989,440$40,117,079
45$50,408,649$29,200,394$24,753,674$43,434,239
46$55,509,678$30,590,560$25,542,269$47,057,038
47$61,129,731$32,047,563$26,356,001$51,015,216
48$67,321,708$33,574,638$27,195,672$55,341,480
49$74,143,905$35,175,178$28,062,109$60,071,804
50$81,660,560$36,852,739$28,956,166$65,245,764
51$89,942,464$38,611,050$29,878,725$70,906,894
52$99,067,628$40,454,023$30,830,694$77,103,093
53$109,122,015$42,385,760$31,813,012$83,887,063
54$120,200,359$44,410,560$32,826,646$91,316,796
55$132,407,052$46,532,935$33,872,596$99,456,110
56$145,857,136$48,757,612$34,951,892$108,375,240
57$160,677,381$51,089,553$36,065,598$118,151,483
58$177,007,491$53,533,958$37,214,812$128,869,923
59$195,001,413$56,096,281$38,400,667$140,624,212
60$214,828,800$58,782,240$39,624,331$153,517,442
61$236,676,603$61,597,836$40,887,012$167,663,104
62$260,750,842$64,549,356$42,189,953$183,186,141
63$287,278,551$67,643,397$43,534,439$200,224,112
64$316,509,916$70,886,876$44,921,796$218,928,470
65$348,720,643$74,287,048$46,353,391$239,465,978
66$384,214,555$77,851,520$47,830,636$262,020,258
67$423,326,465$81,588,270$49,354,988$286,793,509
68$466,425,334$85,505,665$50,927,949$314,008,389
69$513,917,753$89,612,478$52,551,071$343,910,100
70$566,251,786$93,917,912$54,225,954$376,768,675
71$623,921,195$98,431,616$55,954,251$412,881,505
72$687,470,103$103,163,711$57,737,664$452,576,119
73$757,498,132$108,124,811$59,577,954$496,213,251
74$834,666,060$113,326,046$61,476,934$544,190,215
75$919,702,066$118,779,090$63,436,479$596,944,626
76$1,013,408,596$124,496,185$65,458,521$654,958,505
77$1,116,669,946$130,490,171$67,545,054$718,762,788
78$1,230,460,603$136,774,512$69,698,136$788,942,314
79$1,355,854,453$143,363,332$71,919,892$866,141,303
80$1,494,034,913$150,271,440$74,212,514$951,069,405
81$1,646,306,103$157,514,369$76,578,262$1,044,508,358
82$1,814,105,162$165,108,411$79,019,471$1,147,319,327
83$1,999,015,815$173,070,649$81,538,549$1,260,450,993
84$2,202,783,320$181,419,003$84,137,983$1,384,948,461
85$2,427,330,949$190,172,264$86,820,335$1,521,963,083
86$2,674,778,144$199,350,143$89,588,254$1,672,763,274
87$2,947,460,525$208,973,310$92,444,471$1,838,746,439
88$3,247,951,941$219,063,446$95,391,804$2,021,452,107
89$3,579,088,771$229,643,286$98,433,161$2,222,576,413
90$3,943,996,698$240,736,680$101,571,545$2,443,988,047
91$4,346,120,221$252,368,637$104,810,052$2,687,745,837
92$4,789,255,174$264,565,390$108,151,878$2,956,118,116
93$5,277,584,558$277,354,451$111,600,322$3,251,604,074
94$5,815,718,038$290,764,674$115,158,788$3,576,957,276
95$6,408,735,458$304,826,323$118,830,788$3,935,211,584
96$7,062,234,802$319,571,140$122,619,947$4,329,709,722
97$7,782,385,041$335,032,416$126,530,004$4,764,134,748
98$8,575,984,377$351,245,065$130,564,821$5,242,544,743
99$9,450,524,421$368,245,711$134,728,380$5,769,411,026
100$10,414,260,923$386,072,762$139,024,792$6,349,660,280