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%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,393,208
2 years$723,589$710,113$697,052$684,389$672,106$653,781
3 years$477,601$464,066$451,039$438,495$426,412$408,546
4 years$354,631$341,138$328,241$315,911$304,120$286,852
5 years$280,868$267,456$254,728$242,650$231,188$214,566
6 years$231,709$218,398$205,858$194,049$182,931$166,976
7 years$196,609$183,410$171,069$159,538$148,772$133,490
8 years$170,296$157,217$145,080$133,833$123,420$108,810
9 years$149,842$136,885$124,958$113,996$103,938$89,993
10 years$133,487$120,658$108,941$98,265$88,560$75,270
11 years$120,115$107,415$95,910$85,520$76,165$63,518
12 years$108,980$96,409$85,118$75,013$66,003$53,985
13 years$99,565$87,126$76,047$66,225$57,556$46,151
14 years$91,502$79,195$68,328$58,787$50,453$39,644
15 years$84,521$72,346$61,691$52,428$44,423$34,192
16 years$78,418$66,376$55,932$46,944$39,261$29,590
17 years$73,038$61,130$50,896$42,178$34,812$25,680
18 years$68,262$56,487$46,462$38,011$30,953$22,342
19 years$63,994$52,351$42,533$34,346$27,589$19,478
20 years$60,157$48,648$39,035$31,107$24,643$17,011
21 years$56,690$45,313$35,905$28,232$22,053$14,880
22 years$53,542$42,298$33,092$25,669$19,767$13,034
23 years$50,673$39,561$30,554$23,377$17,744$11,429
24 years$48,046$37,066$28,258$21,322$15,949$10,033
25 years$45,633$34,784$26,172$19,472$14,351$8,815
26 years$43,410$32,692$24,273$17,804$12,927$7,750
27 years$41,355$30,767$22,540$16,297$11,655$6,819
28 years$39,449$28,991$20,954$14,931$10,517$6,003
29 years$37,679$27,350$19,499$13,692$9,496$5,288
30 years$36,030$25,829$18,163$12,566$8,580$4,660
31 years$34,490$24,417$16,933$11,541$7,757$4,108
32 years$33,049$23,104$15,799$10,606$7,017$3,623
33 years$31,698$21,879$14,751$9,753$6,351$3,196
34 years$30,430$20,737$13,783$8,974$5,750$2,820
35 years$29,236$19,669$12,886$8,261$5,208$2,489
36 years$28,112$18,668$12,054$7,608$4,718$2,197
37 years$27,050$17,731$11,283$7,010$4,277$1,940
38 years$26,047$16,850$10,566$6,461$3,877$1,713
39 years$25,098$16,023$9,899$5,958$3,516$1,513
40 years$24,199$15,245$9,278$5,495$3,189$1,336
41 years$23,345$14,511$8,700$5,070$2,893$1,181
42 years$22,535$13,820$8,161$4,679$2,625$1,043
43 years$21,764$13,168$7,658$4,319$2,383$922
44 years$21,030$12,552$7,188$3,988$2,163$814
45 years$20,331$11,969$6,750$3,683$1,963$720
46 years$19,664$11,418$6,339$3,402$1,783$636
47 years$19,028$10,896$5,956$3,143$1,619$562
48 years$18,419$10,402$5,597$2,904$1,470$497
49 years$17,838$9,933$5,261$2,684$1,335$439
50 years$17,281$9,489$4,946$2,481$1,213$388

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 $2,391 every year, while hoping to spend $32,094 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: 59/28/13 Blend
34$17,700,000$17,700,000$17,700,000$17,700,000
35$19,507,866$18,569,766$18,295,416$20,595,824
36$21,463,521$19,445,537$18,874,165$22,205,206
37$23,617,577$20,363,145$19,471,226$23,955,552
38$25,990,236$21,324,606$20,087,179$25,863,451
39$28,603,763$22,332,034$20,722,622$27,944,081
40$31,482,689$23,387,646$21,378,172$30,214,124
41$34,654,048$24,493,765$22,054,465$32,691,925
42$38,147,629$25,652,828$22,752,158$35,397,659
43$41,996,259$26,867,389$23,471,928$38,353,508
44$46,236,114$28,140,127$24,214,473$41,583,875
45$50,907,055$29,473,851$24,980,516$45,115,598
46$56,053,010$30,871,505$25,770,799$48,978,204
47$61,722,386$32,336,177$26,586,089$53,204,176
48$67,968,525$33,871,106$27,427,179$57,829,253
49$74,850,210$35,479,685$28,294,885$62,892,761
50$82,432,216$37,165,475$29,190,049$68,437,976
51$90,785,927$38,932,208$30,113,540$74,512,522
52$99,990,004$40,783,798$31,066,256$81,168,814
53$110,131,129$42,724,350$32,049,120$88,464,541
54$121,304,827$44,758,166$33,063,089$96,463,202
55$133,616,363$46,889,759$34,109,145$105,234,698
56$147,181,736$49,123,861$35,188,305$114,855,975
57$162,128,777$51,465,434$36,301,617$125,411,744
58$178,598,352$53,919,681$37,450,162$136,995,269
59$196,745,697$56,492,058$38,635,055$149,709,231
60$216,741,875$59,188,286$39,857,447$163,666,688
61$238,775,400$62,014,365$41,118,524$178,992,130
62$263,054,008$64,976,586$42,419,512$195,822,637
63$289,806,625$68,081,547$43,761,674$214,309,157
64$319,285,524$71,336,166$45,146,314$234,617,922
65$351,768,707$74,747,698$46,574,775$256,931,995
66$387,562,531$78,323,751$48,048,446$281,452,983
67$427,004,597$82,072,303$49,568,757$308,402,925
68$470,466,941$86,001,721$51,137,185$338,026,367
69$518,359,542$90,120,778$52,755,254$370,592,651
70$571,134,195$94,438,676$54,424,534$406,398,438
71$629,288,775$98,965,063$56,146,648$445,770,489
72$693,371,937$103,710,058$57,923,268$489,068,727
73$763,988,297$108,684,273$59,756,120$536,689,608
74$841,804,136$113,898,836$61,646,983$589,069,843
75$927,553,696$119,365,416$63,597,694$646,690,498
76$1,022,046,105$125,096,254$65,610,149$710,081,499
77$1,126,173,021$131,104,183$67,686,302$779,826,619
78$1,240,917,046$137,402,665$69,828,170$856,568,950
79$1,367,361,004$144,005,815$72,037,833$941,016,949
80$1,506,698,164$150,928,438$74,317,439$1,033,951,092
81$1,660,243,505$158,186,059$76,669,200$1,136,231,211
82$1,829,446,127$165,794,960$79,095,403$1,248,804,570
83$2,015,902,936$173,772,218$81,598,404$1,372,714,780
84$2,221,373,719$182,135,740$84,180,634$1,509,111,605
85$2,447,797,756$190,904,309$86,844,603$1,659,261,780
86$2,697,312,128$200,097,621$89,592,898$1,824,560,925
87$2,972,271,894$209,736,334$92,428,189$2,006,546,681
88$3,275,272,325$219,842,112$95,353,231$2,206,913,174
89$3,609,173,405$230,437,677$98,370,866$2,427,526,964
90$3,977,126,828$241,546,860$101,484,026$2,670,444,614
91$4,382,605,759$253,194,650$104,695,736$2,937,932,053
92$4,829,437,619$265,407,261$108,009,116$3,232,485,912
93$5,321,840,220$278,212,180$111,427,385$3,556,857,036
94$5,864,461,585$291,638,240$114,953,865$3,914,076,391
95$6,462,423,830$305,715,677$118,591,983$4,307,483,616
96$7,121,371,519$320,476,204$122,345,273$4,740,758,484
97$7,847,524,957$335,953,081$126,217,382$5,217,955,573
98$8,647,738,913$352,181,191$130,212,075$5,743,542,469
99$9,529,567,334$369,197,121$134,333,231$6,322,441,864
100$10,501,334,663$387,039,242$138,584,856$6,960,077,955