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%11.7%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,409,271
2 years$727,677$714,125$700,990$688,256$675,903$665,692
3 years$480,299$466,688$453,587$440,972$428,821$418,841
4 years$356,634$343,065$330,095$317,696$305,839$296,167
5 years$282,455$268,967$256,167$244,021$232,494$223,159
6 years$233,018$219,632$207,021$195,145$183,964$174,979
7 years$197,720$184,447$172,036$160,440$149,612$140,980
8 years$171,259$158,105$145,900$134,589$124,118$115,838
9 years$150,688$137,659$125,664$114,640$104,525$96,597
10 years$134,242$121,339$109,556$98,821$89,061$81,479
11 years$120,794$108,021$96,452$86,004$76,595$69,354
12 years$109,596$96,954$85,598$75,437$66,376$59,470
13 years$100,128$87,618$76,477$66,599$57,881$51,303
14 years$92,019$79,643$68,715$59,119$50,738$44,479
15 years$84,998$72,755$62,040$52,724$44,674$38,726
16 years$78,861$66,751$56,248$47,209$39,483$33,837
17 years$73,451$61,475$51,184$42,417$35,008$29,656
18 years$68,648$56,806$46,724$38,226$31,128$26,058
19 years$64,355$52,647$42,774$34,540$27,745$22,949
20 years$60,497$48,922$39,256$31,283$24,782$20,250
21 years$57,010$45,569$36,108$28,391$22,177$17,899
22 years$53,845$42,537$33,279$25,814$19,879$15,844
23 years$50,959$39,784$30,727$23,510$17,844$14,043
24 years$48,317$37,275$28,417$21,442$16,039$12,461
25 years$45,891$34,981$26,320$19,582$14,433$11,068
26 years$43,655$32,876$24,411$17,905$13,000$9,839
27 years$41,588$30,941$22,667$16,389$11,721$8,754
28 years$39,672$29,155$21,072$15,016$10,576$7,794
29 years$37,892$27,505$19,610$13,770$9,550$6,943
30 years$36,233$25,975$18,266$12,637$8,629$6,189
31 years$34,684$24,555$17,028$11,606$7,801$5,519
32 years$33,235$23,234$15,888$10,666$7,057$4,923
33 years$31,877$22,003$14,835$9,809$6,386$4,394
34 years$30,602$20,854$13,861$9,025$5,782$3,923
35 years$29,401$19,780$12,959$8,308$5,237$3,503
36 years$28,271$18,774$12,122$7,651$4,745$3,129
37 years$27,203$17,831$11,346$7,050$4,301$2,796
38 years$26,195$16,946$10,625$6,498$3,899$2,499
39 years$25,240$16,114$9,955$5,991$3,536$2,233
40 years$24,335$15,331$9,331$5,526$3,207$1,997
41 years$23,477$14,593$8,749$5,099$2,909$1,785
42 years$22,662$13,898$8,207$4,705$2,640$1,596
43 years$21,887$13,242$7,701$4,344$2,396$1,428
44 years$21,149$12,623$7,229$4,011$2,175$1,277
45 years$20,446$12,037$6,788$3,704$1,974$1,142
46 years$19,775$11,483$6,375$3,421$1,793$1,022
47 years$19,135$10,958$5,989$3,161$1,628$914
48 years$18,524$10,461$5,628$2,921$1,478$818
49 years$17,939$9,990$5,290$2,699$1,343$732
50 years$17,379$9,542$4,974$2,495$1,220$655

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 $2,024 every year, while hoping to spend $27,144 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: 58/27/15 Blend
34$17,800,000$17,800,000$17,800,000$17,800,000
35$19,617,688$18,674,288$18,398,388$20,680,008
36$21,589,811$19,560,447$18,985,853$22,284,967
37$23,762,181$20,489,118$19,592,088$24,030,538
38$26,155,194$21,462,356$20,217,694$25,932,764
39$28,791,327$22,482,314$20,863,289$28,006,715
40$31,695,347$23,551,252$21,529,514$30,268,963
41$34,894,546$24,671,538$22,217,027$32,737,723
42$38,419,002$25,845,655$22,926,510$35,433,030
43$42,301,857$27,076,208$23,658,664$38,376,912
44$46,579,632$28,365,929$24,414,215$41,593,599
45$51,292,575$29,717,679$25,193,912$45,109,742
46$56,485,035$31,134,463$25,998,525$48,954,659
47$62,205,885$32,619,428$26,828,853$53,160,602
48$68,508,983$34,175,877$27,685,716$57,763,057
49$75,453,676$35,807,273$28,569,965$62,801,070
50$83,105,367$37,517,245$29,482,475$68,317,608
51$91,536,125$39,309,601$30,424,149$74,359,952
52$100,825,373$41,188,334$31,395,921$80,980,142
53$111,060,629$43,157,631$32,398,752$88,235,452
54$122,338,341$45,221,882$33,433,638$96,188,925
55$134,764,789$47,385,692$34,501,602$104,909,953
56$148,457,094$49,653,888$35,603,702$114,474,928
57$163,544,323$52,031,534$36,741,032$124,967,948
58$180,168,705$54,523,939$37,914,717$136,481,597
59$198,486,974$57,136,673$39,125,921$149,117,813
60$218,671,849$59,875,574$40,375,844$162,988,830
61$240,913,667$62,746,767$41,665,723$178,218,230
62$265,422,175$65,756,672$42,996,839$194,942,092
63$292,428,513$68,912,025$44,370,509$213,310,264
64$322,187,395$72,219,888$45,788,095$233,487,762
65$354,979,516$75,687,669$47,251,003$255,656,308
66$391,114,196$79,323,135$48,760,681$280,016,035
67$430,932,307$83,134,432$50,318,627$306,787,352
68$474,809,487$87,130,103$51,926,385$336,213,010
69$523,159,684$91,319,107$53,585,549$368,560,376
70$576,439,069$95,710,841$55,297,762$404,123,930
71$635,150,341$100,315,159$57,064,724$443,228,033
72$699,847,468$105,142,394$58,888,184$486,229,957
73$771,140,924$110,203,386$60,769,953$533,523,243
74$849,703,446$115,509,500$62,711,894$585,541,387
75$936,276,389$121,072,657$64,715,934$642,761,908
76$1,031,676,723$126,905,359$66,784,061$705,710,829
77$1,136,804,746$133,020,719$68,918,323$774,967,617
78$1,252,652,582$139,432,486$71,120,839$851,170,621
79$1,380,313,551$146,155,083$73,393,793$935,023,070
80$1,520,992,486$153,203,635$75,739,438$1,027,299,681
81$1,676,017,112$160,594,006$78,160,101$1,128,853,934
82$1,846,850,576$168,342,831$80,658,184$1,240,626,101
83$2,035,105,265$176,467,560$83,236,163$1,363,652,079
84$2,242,558,024$184,986,492$85,896,597$1,499,073,138
85$2,471,166,934$193,918,821$88,642,123$1,648,146,650
86$2,723,089,793$203,284,676$91,475,467$1,812,257,917
87$3,000,704,495$213,105,168$94,399,438$1,992,933,208
88$3,306,631,472$223,402,440$97,416,938$2,191,854,122
89$3,643,758,437$234,199,714$100,530,960$2,410,873,409
90$4,015,267,645$245,521,348$103,744,595$2,652,032,419
91$4,424,665,937$257,392,885$107,061,030$2,917,580,313
92$4,875,817,845$269,841,119$110,483,557$3,209,995,245
93$5,372,982,082$282,894,151$114,015,573$3,532,007,699
94$5,920,851,741$296,581,451$117,660,582$3,886,626,205
95$6,524,598,608$310,933,932$121,422,201$4,277,165,676
96$7,189,921,986$325,984,014$125,304,164$4,707,278,641
97$7,923,102,499$341,765,701$129,310,324$5,180,989,653
98$8,731,061,392$358,314,658$133,444,658$5,702,733,212
99$9,621,425,868$375,668,291$137,711,268$6,277,395,553
100$10,602,601,101$393,865,832$142,114,390$6,910,360,696