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%17%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,355,695
2 years$715,413$702,089$689,176$676,656$664,512$624,744
3 years$472,204$458,823$445,942$433,540$421,594$383,084
4 years$350,624$337,283$324,532$312,341$300,684$263,728
5 years$277,695$264,434$251,850$239,908$228,575$193,273
6 years$229,091$215,930$203,532$191,856$180,864$147,249
7 years$194,388$181,338$169,136$157,736$147,091$115,163
8 years$168,372$155,440$143,441$132,321$122,026$91,767
9 years$148,149$135,339$123,546$112,708$102,763$74,144
10 years$131,979$119,294$107,710$97,155$87,560$60,541
11 years$118,758$106,201$94,826$84,554$75,304$49,842
12 years$107,749$95,320$84,156$74,165$65,257$41,302
13 years$98,440$86,142$75,188$65,477$56,905$34,405
14 years$90,468$78,300$67,556$58,123$49,883$28,782
15 years$83,566$71,529$60,994$51,836$43,921$24,161
16 years$77,532$65,626$55,300$46,413$38,817$20,341
17 years$72,213$60,439$50,321$41,702$34,418$17,165
18 years$67,491$55,849$45,937$37,582$30,603$14,514
19 years$63,271$51,760$42,053$33,958$27,277$12,293
20 years$59,477$48,098$38,594$30,756$24,364$10,426
21 years$56,049$44,801$35,499$27,913$21,803$8,853
22 years$52,937$41,820$32,718$25,379$19,544$7,524
23 years$50,100$39,114$30,209$23,113$17,544$6,401
24 years$47,503$36,647$27,938$21,081$15,769$5,449
25 years$45,118$34,391$25,877$19,252$14,189$4,641
26 years$42,919$32,322$23,999$17,603$12,781$3,955
27 years$40,887$30,419$22,285$16,113$11,523$3,372
28 years$39,004$28,664$20,717$14,763$10,398$2,876
29 years$37,253$27,041$19,279$13,538$9,389$2,454
30 years$35,622$25,537$17,958$12,424$8,483$2,094
31 years$34,100$24,141$16,741$11,411$7,670$1,787
32 years$32,675$22,843$15,620$10,487$6,938$1,526
33 years$31,340$21,632$14,585$9,643$6,279$1,303
34 years$30,086$20,502$13,627$8,873$5,685$1,113
35 years$28,906$19,446$12,740$8,168$5,149$950
36 years$27,794$18,457$11,918$7,522$4,665$812
37 years$26,745$17,530$11,155$6,931$4,228$693
38 years$25,753$16,660$10,446$6,388$3,833$592
39 years$24,815$15,842$9,787$5,890$3,476$506
40 years$23,925$15,072$9,173$5,433$3,153$433
41 years$23,082$14,347$8,602$5,013$2,860$370
42 years$22,280$13,664$8,069$4,626$2,596$316
43 years$21,518$13,019$7,571$4,270$2,356$270
44 years$20,792$12,410$7,107$3,943$2,138$231
45 years$20,101$11,834$6,673$3,641$1,941$197
46 years$19,442$11,289$6,268$3,364$1,762$168
47 years$18,813$10,773$5,888$3,108$1,600$144
48 years$18,211$10,285$5,534$2,872$1,453$123
49 years$17,636$9,821$5,201$2,654$1,320$105
50 years$17,086$9,382$4,890$2,453$1,199$90

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 $6,293 every year, while hoping to spend $41,552 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: 62/30/8 Blend
34$17,500,000$17,500,000$17,500,000$17,500,000
35$19,291,491$18,363,991$18,092,741$20,455,251
36$21,215,012$19,219,616$18,654,637$22,089,288
37$23,333,340$20,115,773$19,233,964$23,866,646
38$25,666,300$21,054,406$19,831,261$25,805,506
39$28,235,741$22,037,550$20,447,087$27,921,482
40$31,065,736$23,067,340$21,082,014$30,231,741
41$34,182,815$24,146,012$21,736,634$32,755,163
42$37,616,208$25,275,914$22,411,558$35,512,509
43$41,398,131$26,459,503$23,107,415$38,526,614
44$45,564,079$27,699,357$23,824,852$41,822,596
45$50,153,170$28,998,180$24,564,539$45,428,087
46$55,208,506$30,358,804$25,327,164$49,373,486
47$60,777,588$31,784,199$26,113,438$53,692,239
48$66,912,757$33,277,481$26,924,094$58,421,151
49$73,671,693$34,841,912$27,759,885$63,600,719
50$81,117,956$36,480,916$28,621,592$69,275,512
51$89,321,588$38,198,081$29,510,016$75,494,582
52$98,359,773$39,997,170$30,425,985$82,311,916
53$108,317,566$41,882,127$31,370,351$89,786,938
54$119,288,693$43,857,088$32,343,993$97,985,063
55$131,376,442$45,926,387$33,347,820$106,978,297
56$144,694,631$48,094,572$34,382,763$116,845,916
57$159,368,686$50,366,408$35,449,788$127,675,195
58$175,536,823$52,746,894$36,549,887$139,562,223
59$193,351,355$55,241,267$37,684,084$152,612,800
60$212,980,127$57,855,023$38,853,435$166,943,423
61$234,608,102$60,593,921$40,059,027$182,682,366
62$258,439,107$63,464,002$41,301,983$199,970,888
63$284,697,755$66,471,597$42,583,458$218,964,540
64$313,631,567$69,623,347$43,904,646$239,834,629
65$345,513,310$72,926,214$45,266,774$262,769,812
66$380,643,567$76,387,498$46,671,111$287,977,861
67$419,353,579$80,014,854$48,118,962$315,687,612
68$462,008,370$83,816,307$49,611,673$346,151,100
69$509,010,193$87,800,275$51,150,633$379,645,924
70$560,802,326$91,975,582$52,737,272$416,477,846
71$617,873,259$96,351,482$54,373,067$456,983,656
72$680,761,304$100,937,676$56,059,537$501,534,329
73$750,059,676$105,744,342$57,798,250$550,538,506
74$826,422,095$110,782,146$59,590,823$604,446,325
75$910,568,954$116,062,277$61,438,922$663,753,648
76$1,003,294,126$121,596,467$63,344,264$729,006,714
77$1,105,472,449$127,397,016$65,308,619$800,807,266
78$1,218,067,995$133,476,826$67,333,814$879,818,206
79$1,342,143,163$139,849,423$69,421,729$966,769,822
80$1,478,868,714$146,528,993$71,574,305$1,062,466,649
81$1,629,534,820$153,530,411$73,793,541$1,167,795,031
82$1,795,563,245$160,869,275$76,081,499$1,283,731,455
83$1,978,520,770$168,561,943$78,440,303$1,411,351,731
84$2,180,133,980$176,625,570$80,872,145$1,551,841,110
85$2,402,305,566$185,078,143$83,379,282$1,706,505,437
86$2,647,132,289$193,938,527$85,964,043$1,876,783,431
87$2,916,924,771$203,226,503$88,628,827$2,064,260,227
88$3,214,229,314$212,962,818$91,376,108$2,270,682,292
89$3,541,851,933$223,169,225$94,208,438$2,497,973,867
90$3,902,884,854$233,868,541$97,128,444$2,748,255,081
91$4,300,735,699$245,084,690$100,138,837$3,023,861,914
92$4,739,159,663$256,842,762$103,242,410$3,327,368,190
93$5,222,294,962$269,169,071$106,442,045$3,661,609,825
94$5,754,701,904$282,091,211$109,740,709$4,029,711,532
95$6,341,405,939$295,638,121$113,141,464$4,435,116,263
96$6,987,945,106$309,840,150$116,647,463$4,881,617,637
97$7,700,422,313$324,729,124$120,261,960$5,373,395,693
98$8,485,562,961$340,338,423$123,988,307$5,915,056,274
99$9,350,778,428$356,703,051$127,829,961$6,511,674,434
100$10,304,236,046$373,859,718$131,790,483$7,168,842,268