Can I retire at age 35 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,380,605
2 years$727,677$714,125$700,990$688,256$675,903$637,104
3 years$480,299$466,688$453,587$440,972$428,821$391,229
4 years$356,634$343,065$330,095$317,696$305,839$269,744
5 years$282,455$268,967$256,167$244,021$232,494$197,994
6 years$233,018$219,632$207,021$195,145$183,964$151,093
7 years$197,720$184,447$172,036$160,440$149,612$118,371
8 years$171,259$158,105$145,900$134,589$124,118$94,490
9 years$150,688$137,659$125,664$114,640$104,525$76,483
10 years$134,242$121,339$109,556$98,821$89,061$62,568
11 years$120,794$108,021$96,452$86,004$76,595$51,610
12 years$109,596$96,954$85,598$75,437$66,376$42,852
13 years$100,128$87,618$76,477$66,599$57,881$35,768
14 years$92,019$79,643$68,715$59,119$50,738$29,984
15 years$84,998$72,755$62,040$52,724$44,674$25,224
16 years$78,861$66,751$56,248$47,209$39,483$21,281
17 years$73,451$61,475$51,184$42,417$35,008$17,998
18 years$68,648$56,806$46,724$38,226$31,128$15,252
19 years$64,355$52,647$42,774$34,540$27,745$12,947
20 years$60,497$48,922$39,256$31,283$24,782$11,006
21 years$57,010$45,569$36,108$28,391$22,177$9,367
22 years$53,845$42,537$33,279$25,814$19,879$7,980
23 years$50,959$39,784$30,727$23,510$17,844$6,804
24 years$48,317$37,275$28,417$21,442$16,039$5,806
25 years$45,891$34,981$26,320$19,582$14,433$4,957
26 years$43,655$32,876$24,411$17,905$13,000$4,235
27 years$41,588$30,941$22,667$16,389$11,721$3,619
28 years$39,672$29,155$21,072$15,016$10,576$3,095
29 years$37,892$27,505$19,610$13,770$9,550$2,647
30 years$36,233$25,975$18,266$12,637$8,629$2,264
31 years$34,684$24,555$17,028$11,606$7,801$1,937
32 years$33,235$23,234$15,888$10,666$7,057$1,658
33 years$31,877$22,003$14,835$9,809$6,386$1,419
34 years$30,602$20,854$13,861$9,025$5,782$1,215
35 years$29,401$19,780$12,959$8,308$5,237$1,041
36 years$28,271$18,774$12,122$7,651$4,745$891
37 years$27,203$17,831$11,346$7,050$4,301$763
38 years$26,195$16,946$10,625$6,498$3,899$654
39 years$25,240$16,114$9,955$5,991$3,536$560
40 years$24,335$15,331$9,331$5,526$3,207$480
41 years$23,477$14,593$8,749$5,099$2,909$411
42 years$22,662$13,898$8,207$4,705$2,640$352
43 years$21,887$13,242$7,701$4,344$2,396$302
44 years$21,149$12,623$7,229$4,011$2,175$258
45 years$20,446$12,037$6,788$3,704$1,974$221
46 years$19,775$11,483$6,375$3,421$1,793$190
47 years$19,135$10,958$5,989$3,161$1,628$162
48 years$18,524$10,461$5,628$2,921$1,478$139
49 years$17,939$9,990$5,290$2,699$1,343$119
50 years$17,379$9,542$4,974$2,495$1,220$102

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,800,000, adding $4,904 every year, while hoping to spend $45,577 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: 68/10/22 Blend
34$17,800,000$17,800,000$17,800,000$17,800,000
35$19,620,658$18,677,258$18,401,358$20,845,685
36$21,573,472$19,543,951$18,969,310$22,533,468
37$23,723,945$20,451,583$19,554,761$24,373,396
38$26,092,191$21,402,114$20,158,249$26,385,119
39$28,700,372$22,397,595$20,780,328$28,585,586
40$31,572,911$23,440,179$21,421,571$30,993,456
41$34,736,721$24,532,120$22,082,565$33,629,264
42$38,221,454$25,675,782$22,763,920$36,515,619
43$42,059,791$26,873,644$23,466,259$39,677,412
44$46,287,740$28,128,303$24,190,229$43,142,046
45$50,944,982$29,442,482$24,936,495$46,939,692
46$56,075,244$30,819,037$25,705,741$51,103,574
47$61,726,709$32,260,960$26,498,673$55,670,273
48$67,952,475$33,771,389$27,316,021$60,680,073
49$74,811,053$35,353,613$28,158,533$66,177,335
50$82,366,920$37,011,079$29,026,983$72,210,913
51$90,691,127$38,747,403$29,922,168$78,834,612
52$99,861,971$40,566,375$30,844,910$86,107,688
53$109,965,732$42,471,967$31,796,054$94,095,406
54$121,097,488$44,468,345$32,776,474$102,869,648
55$133,362,014$46,559,876$33,787,068$112,509,592
56$146,874,769$48,751,139$34,828,763$123,102,448
57$161,762,983$51,046,933$35,902,515$134,744,280
58$178,166,866$53,452,291$37,009,308$147,540,906
59$196,240,922$55,972,489$38,150,156$161,608,891
60$216,155,415$58,613,060$39,326,105$177,076,641
61$238,097,971$61,379,803$40,538,232$194,085,610
62$262,275,350$64,278,800$41,787,649$212,791,626
63$288,915,401$67,316,426$43,075,501$233,366,360
64$318,269,208$70,499,367$44,402,966$255,998,933
65$350,613,463$73,834,632$45,771,261$280,897,699
66$386,253,076$77,329,570$47,181,639$308,292,204
67$425,524,058$80,991,886$48,635,392$338,435,339
68$468,796,684$84,829,661$50,133,849$371,605,727
69$516,478,997$88,851,366$51,678,385$408,110,340
70$569,020,655$93,065,883$53,270,411$448,287,385
71$626,917,178$97,482,527$54,911,385$492,509,496
72$690,714,622$102,111,063$56,602,809$541,187,231
73$761,014,741$106,961,733$58,346,231$594,772,945
74$838,480,660$112,045,272$60,143,244$653,765,049
75$923,843,138$117,372,942$61,995,494$718,712,700
76$1,017,907,469$122,956,547$63,904,674$790,220,975
77$1,121,561,080$128,808,467$65,872,530$868,956,574
78$1,235,781,911$134,941,683$67,900,861$955,654,097
79$1,361,647,647$141,369,807$69,991,521$1,051,122,967
80$1,500,345,893$148,107,112$72,146,422$1,156,255,061
81$1,653,185,379$155,168,567$74,367,533$1,272,033,107
82$1,821,608,327$162,569,865$76,656,884$1,399,539,956
83$2,007,204,052$170,327,465$79,016,566$1,539,968,782
84$2,211,723,980$178,458,625$81,448,735$1,694,634,332
85$2,437,098,172$186,981,443$83,955,613$1,864,985,321
86$2,685,453,549$195,914,897$86,539,490$2,052,618,091
87$2,959,133,972$205,278,888$89,202,724$2,259,291,663
88$3,260,722,369$215,094,286$91,947,748$2,486,944,323
89$3,593,065,120$225,382,976$94,777,067$2,737,711,898
90$3,959,298,928$236,167,907$97,693,264$3,013,947,904
91$4,362,880,430$247,473,146$100,699,000$3,318,245,738
92$4,807,618,836$259,323,932$103,797,018$3,653,463,140
93$5,297,711,884$271,746,731$106,990,145$4,022,749,148
94$5,837,785,474$284,769,299$110,281,293$4,429,573,800
95$6,432,937,341$298,420,743$113,673,464$4,877,760,870
96$7,088,785,177$312,731,587$117,169,753$5,371,523,940
97$7,811,519,672$327,733,841$120,773,346$5,915,506,148
98$8,607,962,954$343,461,076$124,487,529$6,514,823,994
99$9,485,633,003$359,948,495$128,315,688$7,175,115,614
100$10,452,814,617$377,233,020$132,261,312$7,902,593,971