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%12.7%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,395,522
2 years$723,589$710,113$697,052$684,389$672,106$656,099
3 years$477,601$464,066$451,039$438,495$426,412$410,795
4 years$354,631$341,138$328,241$315,911$304,120$289,014
5 years$280,868$267,456$254,728$242,650$231,188$216,636
6 years$231,709$218,398$205,858$194,049$182,931$168,951
7 years$196,609$183,410$171,069$159,538$148,772$135,371
8 years$170,296$157,217$145,080$133,833$123,420$110,597
9 years$149,842$136,885$124,958$113,996$103,938$91,686
10 years$133,487$120,658$108,941$98,265$88,560$76,873
11 years$120,115$107,415$95,910$85,520$76,165$65,031
12 years$108,980$96,409$85,118$75,013$66,003$55,412
13 years$99,565$87,126$76,047$66,225$57,556$47,494
14 years$91,502$79,195$68,328$58,787$50,453$40,907
15 years$84,521$72,346$61,691$52,428$44,423$35,377
16 years$78,418$66,376$55,932$46,944$39,261$30,700
17 years$73,038$61,130$50,896$42,178$34,812$26,719
18 years$68,262$56,487$46,462$38,011$30,953$23,312
19 years$63,994$52,351$42,533$34,346$27,589$20,383
20 years$60,157$48,648$39,035$31,107$24,643$17,854
21 years$56,690$45,313$35,905$28,232$22,053$15,665
22 years$53,542$42,298$33,092$25,669$19,767$13,762
23 years$50,673$39,561$30,554$23,377$17,744$12,106
24 years$48,046$37,066$28,258$21,322$15,949$10,659
25 years$45,633$34,784$26,172$19,472$14,351$9,395
26 years$43,410$32,692$24,273$17,804$12,927$8,286
27 years$41,355$30,767$22,540$16,297$11,655$7,314
28 years$39,449$28,991$20,954$14,931$10,517$6,460
29 years$37,679$27,350$19,499$13,692$9,496$5,708
30 years$36,030$25,829$18,163$12,566$8,580$5,047
31 years$34,490$24,417$16,933$11,541$7,757$4,464
32 years$33,049$23,104$15,799$10,606$7,017$3,950
33 years$31,698$21,879$14,751$9,753$6,351$3,496
34 years$30,430$20,737$13,783$8,974$5,750$3,095
35 years$29,236$19,669$12,886$8,261$5,208$2,741
36 years$28,112$18,668$12,054$7,608$4,718$2,428
37 years$27,050$17,731$11,283$7,010$4,277$2,151
38 years$26,047$16,850$10,566$6,461$3,877$1,906
39 years$25,098$16,023$9,899$5,958$3,516$1,689
40 years$24,199$15,245$9,278$5,495$3,189$1,497
41 years$23,345$14,511$8,700$5,070$2,893$1,327
42 years$22,535$13,820$8,161$4,679$2,625$1,177
43 years$21,764$13,168$7,658$4,319$2,383$1,043
44 years$21,030$12,552$7,188$3,988$2,163$925
45 years$20,331$11,969$6,750$3,683$1,963$820
46 years$19,664$11,418$6,339$3,402$1,783$727
47 years$19,028$10,896$5,956$3,143$1,619$645
48 years$18,419$10,402$5,597$2,904$1,470$572
49 years$17,838$9,933$5,261$2,684$1,335$508
50 years$17,281$9,489$4,946$2,481$1,213$450

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 $6,839 every year, while hoping to spend $53,984 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: 70/16/14 Blend
34$17,700,000$17,700,000$17,700,000$17,700,000
35$19,512,454$18,574,354$18,300,004$20,816,663
36$21,445,286$19,427,059$18,855,616$22,536,571
37$23,573,458$20,319,737$19,428,031$24,411,044
38$25,916,836$21,254,290$20,017,756$26,461,066
39$28,497,314$22,232,711$20,625,312$28,703,934
40$31,339,015$23,257,089$21,251,235$31,158,685
41$34,468,521$24,329,613$21,896,078$33,846,273
42$37,915,124$25,452,578$22,560,410$36,789,760
43$41,711,102$26,628,389$23,244,818$40,014,535
44$45,892,020$27,859,566$23,949,906$43,548,545
45$50,497,074$29,148,753$24,676,296$47,422,556
46$55,569,452$30,498,718$25,424,628$51,670,443
47$61,156,744$31,912,363$26,195,561$56,329,500
48$67,311,396$33,392,733$26,989,776$61,440,792
49$74,091,197$34,943,015$27,807,972$67,049,535
50$81,559,830$36,566,554$28,650,870$73,205,519
51$89,787,470$38,266,853$29,519,212$79,963,574
52$98,851,449$40,047,585$30,413,762$87,384,080
53$108,836,981$41,912,602$31,335,308$95,533,532
54$119,837,973$43,865,939$32,284,661$104,485,164
55$131,957,903$45,911,827$33,262,654$114,319,631
56$145,310,805$48,054,702$34,270,149$125,125,768
57$160,022,339$50,299,214$35,308,030$137,001,418
58$176,230,979$52,650,237$36,377,211$150,054,349
59$194,089,320$55,112,880$37,478,629$164,403,268
60$213,765,520$57,692,500$38,613,252$180,178,931
61$235,444,884$60,394,714$39,782,076$197,525,368
62$259,331,614$63,225,406$40,986,128$216,601,239
63$285,650,738$66,190,751$42,226,463$237,581,319
64$314,650,232$69,297,217$43,504,168$260,658,141
65$346,603,364$72,551,588$44,820,366$286,043,802
66$381,811,267$75,960,976$46,176,208$313,971,960
67$420,605,788$79,532,836$47,572,883$344,700,025
68$463,352,619$83,274,985$49,011,615$378,511,580
69$510,454,745$87,195,619$50,493,663$415,719,047
70$562,356,253$91,303,328$52,020,325$456,666,623
71$619,546,521$95,607,121$53,592,936$501,733,522
72$682,564,840$100,116,444$55,212,873$551,337,536
73$752,005,501$104,841,197$56,881,551$605,938,969
74$828,523,409$109,791,763$58,600,431$666,044,969
75$912,840,265$114,979,027$60,371,013$732,214,301
76$1,005,751,375$120,414,402$62,194,845$805,062,604
77$1,108,133,162$126,109,855$64,073,519$885,268,190
78$1,220,951,439$132,077,932$66,008,676$973,578,430
79$1,345,270,524$138,331,789$68,002,005$1,070,816,793
80$1,482,263,289$144,885,219$70,055,244$1,177,890,600
81$1,633,222,235$151,752,685$72,170,185$1,295,799,571
82$1,799,571,688$158,949,351$74,348,672$1,425,645,246
83$1,982,881,250$166,491,119$76,592,602$1,568,641,359
84$2,184,880,615$174,394,661$78,903,931$1,726,125,278
85$2,407,475,897$182,677,459$81,284,673$1,899,570,606
86$2,652,767,629$191,357,845$83,736,899$2,090,601,070
87$2,923,070,586$200,455,038$86,262,744$2,301,005,825
88$3,220,935,646$209,989,195$88,864,406$2,532,756,318
89$3,549,173,865$219,981,449$91,544,148$2,788,024,874
90$3,910,883,020$230,453,961$94,304,298$3,069,205,175
91$4,309,476,853$241,429,970$97,147,256$3,378,934,828
92$4,748,717,294$252,933,841$100,075,491$3,720,120,237
93$5,232,749,985$264,991,126$103,091,548$4,095,964,006
94$5,766,143,412$277,628,620$106,198,043$4,509,995,140
95$6,353,932,036$290,874,418$109,397,673$4,966,102,332
96$7,001,663,822$304,757,983$112,693,214$5,468,570,627
97$7,715,452,619$319,310,210$116,087,523$6,022,121,849
98$8,502,035,873$334,563,498$119,583,542$6,631,959,130
99$9,368,838,243$350,551,820$123,184,301$7,303,815,990
100$10,324,041,688$367,310,803$126,892,920$8,044,010,427