Can I retire at age 35 with 17,700,000?

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 $17,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,393,786
2 years$723,589$710,113$697,052$684,389$672,106$654,359
3 years$477,601$464,066$451,039$438,495$426,412$409,107
4 years$354,631$341,138$328,241$315,911$304,120$287,391
5 years$280,868$267,456$254,728$242,650$231,188$215,081
6 years$231,709$218,398$205,858$194,049$182,931$167,468
7 years$196,609$183,410$171,069$159,538$148,772$133,958
8 years$170,296$157,217$145,080$133,833$123,420$109,254
9 years$149,842$136,885$124,958$113,996$103,938$90,413
10 years$133,487$120,658$108,941$98,265$88,560$75,668
11 years$120,115$107,415$95,910$85,520$76,165$63,893
12 years$108,980$96,409$85,118$75,013$66,003$54,338
13 years$99,565$87,126$76,047$66,225$57,556$46,483
14 years$91,502$79,195$68,328$58,787$50,453$39,956
15 years$84,521$72,346$61,691$52,428$44,423$34,485
16 years$78,418$66,376$55,932$46,944$39,261$29,864
17 years$73,038$61,130$50,896$42,178$34,812$25,936
18 years$68,262$56,487$46,462$38,011$30,953$22,581
19 years$63,994$52,351$42,533$34,346$27,589$19,700
20 years$60,157$48,648$39,035$31,107$24,643$17,219
21 years$56,690$45,313$35,905$28,232$22,053$15,073
22 years$53,542$42,298$33,092$25,669$19,767$13,212
23 years$50,673$39,561$30,554$23,377$17,744$11,595
24 years$48,046$37,066$28,258$21,322$15,949$10,186
25 years$45,633$34,784$26,172$19,472$14,351$8,956
26 years$43,410$32,692$24,273$17,804$12,927$7,881
27 years$41,355$30,767$22,540$16,297$11,655$6,940
28 years$39,449$28,991$20,954$14,931$10,517$6,114
29 years$37,679$27,350$19,499$13,692$9,496$5,390
30 years$36,030$25,829$18,163$12,566$8,580$4,754
31 years$34,490$24,417$16,933$11,541$7,757$4,194
32 years$33,049$23,104$15,799$10,606$7,017$3,702
33 years$31,698$21,879$14,751$9,753$6,351$3,268
34 years$30,430$20,737$13,783$8,974$5,750$2,886
35 years$29,236$19,669$12,886$8,261$5,208$2,550
36 years$28,112$18,668$12,054$7,608$4,718$2,253
37 years$27,050$17,731$11,283$7,010$4,277$1,991
38 years$26,047$16,850$10,566$6,461$3,877$1,759
39 years$25,098$16,023$9,899$5,958$3,516$1,555
40 years$24,199$15,245$9,278$5,495$3,189$1,375
41 years$23,345$14,511$8,700$5,070$2,893$1,216
42 years$22,535$13,820$8,161$4,679$2,625$1,075
43 years$21,764$13,168$7,658$4,319$2,383$951
44 years$21,030$12,552$7,188$3,988$2,163$841
45 years$20,331$11,969$6,750$3,683$1,963$744
46 years$19,664$11,418$6,339$3,402$1,783$658
47 years$19,028$10,896$5,956$3,143$1,619$582
48 years$18,419$10,402$5,597$2,904$1,470$515
49 years$17,838$9,933$5,261$2,684$1,335$455
50 years$17,281$9,489$4,946$2,481$1,213$403

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,700,000, adding $2,505 every year, while hoping to spend $39,777 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: 38/38/24 Blend
34$17,700,000$17,700,000$17,700,000$17,700,000
35$19,507,984$18,569,884$18,295,534$20,109,346
36$21,455,476$19,437,486$18,866,112$21,415,185
37$23,600,279$20,346,267$19,454,471$22,821,625
38$25,962,477$21,298,203$20,061,165$24,340,854
39$28,564,200$22,295,366$20,686,765$25,983,107
40$31,429,836$23,339,927$21,331,859$27,759,609
41$34,586,258$24,434,162$21,997,055$29,682,669
42$38,063,078$25,580,457$22,682,978$31,765,797
43$41,892,927$26,781,315$23,390,273$34,023,814
44$46,111,765$28,039,359$24,119,607$36,472,988
45$50,759,216$29,357,339$24,871,665$39,131,180
46$55,878,945$30,738,137$25,647,154$42,017,998
47$61,519,068$32,184,776$26,446,804$45,154,980
48$67,732,608$33,700,425$27,271,367$48,565,777
49$74,577,995$35,288,407$28,121,619$52,276,376
50$82,119,616$36,952,205$28,998,359$56,315,326
51$90,428,425$38,695,471$29,902,412$60,713,999
52$99,582,610$40,522,034$30,834,628$65,506,876
53$109,668,331$42,435,909$31,795,884$70,731,854
54$120,780,537$44,441,305$32,787,082$76,430,598
55$133,023,859$46,542,636$33,809,156$82,648,911
56$146,513,596$48,744,529$34,863,067$89,437,161
57$161,376,808$51,051,835$35,949,804$96,850,734
58$177,753,510$53,469,643$37,070,390$104,950,546
59$195,797,998$56,003,285$38,225,878$113,803,596
60$215,680,303$58,658,356$39,417,354$123,483,586
61$237,587,797$61,440,718$40,645,939$134,071,595
62$261,726,960$64,356,522$41,912,786$145,656,827
63$288,325,332$67,412,214$43,219,087$158,337,432
64$317,633,659$70,614,554$44,566,068$172,221,410
65$349,928,257$73,970,633$45,954,997$187,427,614
66$385,513,627$77,487,882$47,387,178$204,086,842
67$424,725,325$81,174,096$48,863,956$222,343,053
68$467,933,130$85,037,448$50,386,720$242,354,696
69$515,544,533$89,086,507$51,956,899$264,296,186
70$568,008,590$93,330,261$53,575,970$288,359,517
71$625,820,154$97,778,131$55,245,452$314,756,046
72$689,524,550$102,440,000$56,966,916$343,718,463
73$759,722,723$107,326,229$58,741,976$375,502,951
74$837,076,910$112,447,683$60,572,301$410,391,573
75$922,316,891$117,815,756$62,459,609$448,694,900
76$1,016,246,882$123,442,395$64,405,674$490,754,908
77$1,119,753,122$129,340,131$66,412,323$536,948,168
78$1,233,812,244$135,522,101$68,481,439$587,689,357
79$1,359,500,492$142,002,084$70,614,967$643,435,140
80$1,498,003,883$148,794,526$72,814,908$704,688,427
81$1,650,629,401$155,914,580$75,083,330$772,003,086
82$1,818,817,339$163,378,134$77,422,361$845,989,114
83$2,004,154,895$171,201,850$79,834,197$927,318,354
84$2,208,391,155$179,403,200$82,321,103$1,016,730,779
85$2,433,453,605$188,000,510$84,885,413$1,115,041,428
86$2,681,466,332$197,012,994$87,529,533$1,223,148,040
87$2,954,770,071$206,460,804$90,255,946$1,342,039,471
88$3,255,944,308$216,365,073$93,067,210$1,472,804,964
89$3,587,831,630$226,747,964$95,965,964$1,616,644,371
90$3,953,564,560$237,632,718$98,954,927$1,774,879,407
91$4,356,595,133$249,043,709$102,036,905$1,948,966,059
92$4,800,727,485$261,006,499$105,214,790$2,140,508,252
93$5,290,153,765$273,547,895$108,491,562$2,351,272,919
94$5,829,493,717$286,696,009$111,870,297$2,583,206,590
95$6,423,838,288$300,480,325$115,354,164$2,838,453,692
96$7,078,797,696$314,931,764$118,946,431$3,119,376,696
97$7,800,554,392$330,082,752$122,650,468$3,428,578,327
98$8,595,921,431$345,967,297$126,469,749$3,768,926,038
99$9,472,406,788$362,621,065$130,407,856$4,143,578,976
100$10,438,284,244$380,081,462$134,468,484$4,556,017,697