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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.8%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,389,184
2 years$723,589$710,113$697,052$684,389$672,106$649,759
3 years$477,601$464,066$451,039$438,495$426,412$404,651
4 years$354,631$341,138$328,241$315,911$304,120$283,114
5 years$280,868$267,456$254,728$242,650$231,188$210,996
6 years$231,709$218,398$205,858$194,049$182,931$163,577
7 years$196,609$183,410$171,069$159,538$148,772$130,263
8 years$170,296$157,217$145,080$133,833$123,420$105,752
9 years$149,842$136,885$124,958$113,996$103,938$87,102
10 years$133,487$120,658$108,941$98,265$88,560$72,542
11 years$120,115$107,415$95,910$85,520$76,165$60,949
12 years$108,980$96,409$85,118$75,013$66,003$51,570
13 years$99,565$87,126$76,047$66,225$57,556$43,884
14 years$91,502$79,195$68,328$58,787$50,453$37,521
15 years$84,521$72,346$61,691$52,428$44,423$32,207
16 years$78,418$66,376$55,932$46,944$39,261$27,736
17 years$73,038$61,130$50,896$42,178$34,812$23,953
18 years$68,262$56,487$46,462$38,011$30,953$20,734
19 years$63,994$52,351$42,533$34,346$27,589$17,984
20 years$60,157$48,648$39,035$31,107$24,643$15,625
21 years$56,690$45,313$35,905$28,232$22,053$13,596
22 years$53,542$42,298$33,092$25,669$19,767$11,845
23 years$50,673$39,561$30,554$23,377$17,744$10,331
24 years$48,046$37,066$28,258$21,322$15,949$9,020
25 years$45,633$34,784$26,172$19,472$14,351$7,881
26 years$43,410$32,692$24,273$17,804$12,927$6,891
27 years$41,355$30,767$22,540$16,297$11,655$6,029
28 years$39,449$28,991$20,954$14,931$10,517$5,278
29 years$37,679$27,350$19,499$13,692$9,496$4,622
30 years$36,030$25,829$18,163$12,566$8,580$4,050
31 years$34,490$24,417$16,933$11,541$7,757$3,550
32 years$33,049$23,104$15,799$10,606$7,017$3,112
33 years$31,698$21,879$14,751$9,753$6,351$2,730
34 years$30,430$20,737$13,783$8,974$5,750$2,394
35 years$29,236$19,669$12,886$8,261$5,208$2,101
36 years$28,112$18,668$12,054$7,608$4,718$1,844
37 years$27,050$17,731$11,283$7,010$4,277$1,618
38 years$26,047$16,850$10,566$6,461$3,877$1,420
39 years$25,098$16,023$9,899$5,958$3,516$1,247
40 years$24,199$15,245$9,278$5,495$3,189$1,095
41 years$23,345$14,511$8,700$5,070$2,893$962
42 years$22,535$13,820$8,161$4,679$2,625$844
43 years$21,764$13,168$7,658$4,319$2,383$742
44 years$21,030$12,552$7,188$3,988$2,163$651
45 years$20,331$11,969$6,750$3,683$1,963$572
46 years$19,664$11,418$6,339$3,402$1,783$503
47 years$19,028$10,896$5,956$3,143$1,619$442
48 years$18,419$10,402$5,597$2,904$1,470$388
49 years$17,838$9,933$5,261$2,684$1,335$341
50 years$17,281$9,489$4,946$2,481$1,213$299

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 $6,157 every year, while hoping to spend $56,793 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: 71/19/10 Blend
34$17,700,000$17,700,000$17,700,000$17,700,000
35$19,511,751$18,573,651$18,299,301$20,858,991
36$21,441,522$19,423,333$18,851,900$22,601,025
37$23,566,227$20,312,745$19,421,108$24,499,695
38$25,905,688$21,243,775$20,007,421$26,576,462
39$28,481,748$22,218,401$20,611,350$28,848,865
40$31,318,478$23,238,694$21,233,422$31,336,202
41$34,442,400$24,306,827$21,874,178$34,059,716
42$37,882,738$25,425,075$22,534,177$37,042,784
43$41,671,699$26,595,825$23,213,993$40,311,138
44$45,844,768$27,821,576$23,914,218$43,893,105
45$50,441,051$29,104,950$24,635,461$47,819,866
46$55,503,638$30,448,693$25,378,349$52,125,749
47$61,080,014$31,855,684$26,143,528$56,848,546
48$67,222,503$33,328,940$26,931,664$62,029,868
49$73,988,764$34,871,623$27,743,440$67,715,531
50$81,442,335$36,487,050$28,579,563$73,955,980
51$89,653,232$38,178,694$29,440,757$80,806,766
52$98,698,609$39,950,197$30,327,770$88,329,059
53$108,663,488$41,805,378$31,241,371$96,590,222
54$119,641,560$43,748,238$32,182,353$105,664,442
55$131,736,069$45,782,971$33,151,532$115,633,418
56$145,060,786$47,913,975$34,149,746$126,587,131
57$159,741,086$50,145,859$35,177,862$138,624,684
58$175,915,125$52,483,454$36,236,768$151,855,231
59$193,735,149$54,931,826$37,327,382$166,398,995
60$213,368,932$57,496,283$38,450,647$182,388,401
61$235,001,354$60,182,392$39,607,535$199,969,314
62$258,836,150$62,995,987$40,799,045$219,302,407
63$285,097,832$65,943,185$42,026,208$240,564,668
64$314,033,808$69,030,398$43,290,083$263,951,062
65$345,916,717$72,264,348$44,591,761$289,676,361
66$381,047,004$75,652,083$45,932,367$317,977,160
67$419,755,754$79,200,990$47,313,057$349,114,097
68$462,407,818$82,918,816$48,735,021$383,374,309
69$509,405,257$86,813,680$50,199,486$421,074,120
70$561,191,138$90,894,095$51,707,714$462,562,022
71$618,253,716$95,168,987$53,261,003$508,221,950
72$681,131,040$99,647,712$54,860,692$558,476,888
73$750,416,037$104,340,082$56,508,157$613,792,852
74$826,762,108$109,256,381$58,204,815$674,683,272
75$910,889,293$114,407,393$59,952,126$741,713,823
76$1,003,591,070$119,804,424$61,751,591$815,507,747
77$1,105,741,847$125,459,329$63,604,757$896,751,722
78$1,218,305,214$131,384,535$65,513,216$986,202,322
79$1,342,343,043$137,593,074$67,478,605$1,084,693,142
80$1,479,025,507$144,098,608$69,502,612$1,193,142,649
81$1,629,642,131$150,915,463$71,586,973$1,312,562,829
82$1,795,613,967$158,058,659$73,733,474$1,444,068,717
83$1,978,507,002$165,543,944$75,943,956$1,588,888,905
84$2,180,046,949$173,387,830$78,220,312$1,748,377,113
85$2,402,135,537$181,607,633$80,564,491$1,924,024,943
86$2,646,868,460$190,221,505$82,978,500$2,117,475,936
87$2,916,555,167$199,248,483$85,464,404$2,330,541,058
88$3,213,740,661$208,708,525$88,024,328$2,565,215,769
89$3,541,229,526$218,622,561$90,660,462$2,823,698,830
90$3,902,112,407$229,012,535$93,375,056$3,108,413,031
91$4,299,795,181$239,901,459$96,170,429$3,422,028,025
92$4,738,031,119$251,313,459$99,048,968$3,767,485,502
93$5,220,956,313$263,273,838$102,013,128$4,148,026,920
94$5,753,128,725$275,809,125$105,065,436$4,567,224,072
95$6,339,571,223$288,947,140$108,208,496$5,029,012,762
96$6,985,818,991$302,717,053$111,444,984$5,537,729,923
97$7,697,971,794$317,149,454$114,777,657$6,098,154,514
98$8,482,751,559$332,276,420$118,209,351$6,715,552,593
99$9,347,565,840$348,131,587$121,742,986$7,395,726,985
100$10,300,577,747$364,750,225$125,381,567$8,145,072,012