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%14.1%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,387,470
2 years$723,589$710,113$697,052$684,389$672,106$648,047
3 years$477,601$464,066$451,039$438,495$426,412$402,997
4 years$354,631$341,138$328,241$315,911$304,120$281,530
5 years$280,868$267,456$254,728$242,650$231,188$209,486
6 years$231,709$218,398$205,858$194,049$182,931$162,143
7 years$196,609$183,410$171,069$159,538$148,772$128,903
8 years$170,296$157,217$145,080$133,833$123,420$104,468
9 years$149,842$136,885$124,958$113,996$103,938$85,890
10 years$133,487$120,658$108,941$98,265$88,560$71,402
11 years$120,115$107,415$95,910$85,520$76,165$59,878
12 years$108,980$96,409$85,118$75,013$66,003$50,566
13 years$99,565$87,126$76,047$66,225$57,556$42,946
14 years$91,502$79,195$68,328$58,787$50,453$36,644
15 years$84,521$72,346$61,691$52,428$44,423$31,390
16 years$78,418$66,376$55,932$46,944$39,261$26,976
17 years$73,038$61,130$50,896$42,178$34,812$23,246
18 years$68,262$56,487$46,462$38,011$30,953$20,079
19 years$63,994$52,351$42,533$34,346$27,589$17,377
20 years$60,157$48,648$39,035$31,107$24,643$15,064
21 years$56,690$45,313$35,905$28,232$22,053$13,078
22 years$53,542$42,298$33,092$25,669$19,767$11,368
23 years$50,673$39,561$30,554$23,377$17,744$9,892
24 years$48,046$37,066$28,258$21,322$15,949$8,616
25 years$45,633$34,784$26,172$19,472$14,351$7,510
26 years$43,410$32,692$24,273$17,804$12,927$6,551
27 years$41,355$30,767$22,540$16,297$11,655$5,718
28 years$39,449$28,991$20,954$14,931$10,517$4,993
29 years$37,679$27,350$19,499$13,692$9,496$4,363
30 years$36,030$25,829$18,163$12,566$8,580$3,813
31 years$34,490$24,417$16,933$11,541$7,757$3,334
32 years$33,049$23,104$15,799$10,606$7,017$2,916
33 years$31,698$21,879$14,751$9,753$6,351$2,551
34 years$30,430$20,737$13,783$8,974$5,750$2,232
35 years$29,236$19,669$12,886$8,261$5,208$1,953
36 years$28,112$18,668$12,054$7,608$4,718$1,710
37 years$27,050$17,731$11,283$7,010$4,277$1,497
38 years$26,047$16,850$10,566$6,461$3,877$1,311
39 years$25,098$16,023$9,899$5,958$3,516$1,148
40 years$24,199$15,245$9,278$5,495$3,189$1,005
41 years$23,345$14,511$8,700$5,070$2,893$880
42 years$22,535$13,820$8,161$4,679$2,625$771
43 years$21,764$13,168$7,658$4,319$2,383$676
44 years$21,030$12,552$7,188$3,988$2,163$592
45 years$20,331$11,969$6,750$3,683$1,963$518
46 years$19,664$11,418$6,339$3,402$1,783$454
47 years$19,028$10,896$5,956$3,143$1,619$398
48 years$18,419$10,402$5,597$2,904$1,470$349
49 years$17,838$9,933$5,261$2,684$1,335$306
50 years$17,281$9,489$4,946$2,481$1,213$268

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 $4,516 every year, while hoping to spend $40,257 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: 34/37/29 Blend
34$17,700,000$17,700,000$17,700,000$17,700,000
35$19,510,058$18,571,958$18,297,608$20,002,139
36$21,457,251$19,439,151$18,867,745$21,242,145
37$23,601,708$20,347,487$19,455,632$22,574,465
38$25,963,508$21,298,940$20,061,822$24,010,443
39$28,564,777$22,295,578$20,686,883$25,559,342
40$31,429,893$23,339,571$21,331,403$27,231,313
41$34,585,724$24,433,192$21,995,987$29,037,489
42$38,061,875$25,578,825$22,681,259$30,990,072
43$41,890,967$26,778,969$23,387,863$33,102,449
44$46,108,951$28,036,243$24,116,461$35,389,306
45$50,755,439$29,353,395$24,867,738$37,866,756
46$55,874,086$30,733,303$25,642,399$40,552,483
47$61,512,995$32,178,987$26,441,172$43,465,902
48$67,725,175$33,693,612$27,264,805$46,628,327
49$74,569,040$35,280,495$28,114,073$50,063,164
50$82,108,959$36,943,117$28,989,772$53,796,121
51$90,415,868$38,685,125$29,892,724$57,855,437
52$99,567,933$40,510,342$30,823,776$62,272,139
53$109,651,292$42,422,779$31,783,803$67,080,319
54$120,760,868$44,426,639$32,773,705$72,317,444
55$133,001,262$46,526,330$33,794,410$78,024,697
56$146,487,745$48,726,474$34,846,876$84,247,346
57$161,347,340$51,031,917$35,932,092$91,035,163
58$177,720,026$53,447,738$37,051,074$98,442,871
59$195,760,056$55,979,265$38,204,873$106,530,649
60$215,637,416$58,632,083$39,394,570$115,364,679
61$237,539,427$61,412,049$40,621,283$125,017,754
62$261,672,513$64,325,304$41,886,160$135,569,946
63$288,264,151$67,378,286$43,190,389$147,109,341
64$317,565,020$70,577,747$44,535,192$159,732,850
65$349,851,362$73,930,767$45,921,831$173,547,102
66$385,427,594$77,444,768$47,351,605$188,669,426
67$424,629,181$81,127,533$48,825,856$205,228,937
68$467,825,800$84,987,226$50,345,966$223,367,729
69$515,424,835$89,032,403$51,913,359$243,242,189
70$567,875,217$93,272,039$53,529,505$265,024,446
71$625,671,665$97,715,545$55,195,919$288,903,968
72$689,359,355$102,372,787$56,914,162$315,089,321
73$759,539,069$107,254,113$58,685,847$343,810,103
74$836,872,863$112,370,374$60,512,632$375,319,084
75$922,090,320$117,732,947$62,396,230$409,894,553
76$1,015,995,435$123,353,764$64,338,405$447,842,911
77$1,119,474,206$129,245,335$66,340,979$489,501,525
78$1,233,503,000$135,420,781$68,405,826$535,241,876
79$1,359,157,767$141,893,861$70,534,883$585,473,021
80$1,497,624,200$148,679,001$72,730,143$640,645,414
81$1,650,208,929$155,791,332$74,993,663$701,255,110
82$1,818,351,852$163,246,720$77,327,563$767,848,406
83$2,003,639,734$171,061,803$79,734,029$841,026,943
84$2,207,821,184$179,254,028$82,215,316$921,453,338
85$2,432,823,163$187,841,694$84,773,748$1,009,857,384
86$2,680,769,177$196,843,988$87,411,719$1,107,042,882
87$2,953,999,323$206,281,033$90,131,702$1,213,895,171
88$3,255,092,382$216,173,931$92,936,241$1,331,389,422
89$3,586,890,164$226,544,813$95,827,965$1,460,599,782
90$3,952,524,338$237,416,887$98,809,580$1,602,709,443
91$4,355,445,997$248,814,491$101,883,877$1,759,021,745
92$4,799,458,237$260,763,148$105,053,734$1,930,972,402
93$5,288,752,062$273,289,628$108,322,120$2,120,142,979
94$5,827,945,954$286,422,001$111,692,092$2,328,275,739
95$6,422,129,470$300,189,708$115,166,806$2,557,290,013
96$7,076,911,295$314,623,623$118,749,513$2,809,300,219
97$7,798,472,192$329,756,125$122,443,566$3,086,635,740
98$8,593,623,352$345,621,172$126,252,423$3,391,862,808
99$9,469,870,701$362,254,377$130,179,646$3,727,808,635
100$10,435,485,760$379,693,088$134,228,911$4,097,587,993