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%19.2%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,366,862
2 years$727,677$714,125$700,990$688,256$675,903$623,568
3 years$480,299$466,688$453,587$440,972$428,821$378,332
4 years$356,634$343,065$330,095$317,696$305,839$257,581
5 years$282,455$268,967$256,167$244,021$232,494$186,592
6 years$233,018$219,632$207,021$195,145$183,964$140,452
7 years$197,720$184,447$172,036$160,440$149,612$108,478
8 years$171,259$158,105$145,900$134,589$124,118$85,324
9 years$150,688$137,659$125,664$114,640$104,525$68,019
10 years$134,242$121,339$109,556$98,821$89,061$54,776
11 years$120,794$108,021$96,452$86,004$76,595$44,458
12 years$109,596$96,954$85,598$75,437$66,376$36,306
13 years$100,128$87,618$76,477$66,599$57,881$29,795
14 years$92,019$79,643$68,715$59,119$50,738$24,547
15 years$84,998$72,755$62,040$52,724$44,674$20,287
16 years$78,861$66,751$56,248$47,209$39,483$16,810
17 years$73,451$61,475$51,184$42,417$35,008$13,958
18 years$68,648$56,806$46,724$38,226$31,128$11,611
19 years$64,355$52,647$42,774$34,540$27,745$9,672
20 years$60,497$48,922$39,256$31,283$24,782$8,066
21 years$57,010$45,569$36,108$28,391$22,177$6,733
22 years$53,845$42,537$33,279$25,814$19,879$5,625
23 years$50,959$39,784$30,727$23,510$17,844$4,703
24 years$48,317$37,275$28,417$21,442$16,039$3,934
25 years$45,891$34,981$26,320$19,582$14,433$3,293
26 years$43,655$32,876$24,411$17,905$13,000$2,757
27 years$41,588$30,941$22,667$16,389$11,721$2,309
28 years$39,672$29,155$21,072$15,016$10,576$1,934
29 years$37,892$27,505$19,610$13,770$9,550$1,621
30 years$36,233$25,975$18,266$12,637$8,629$1,358
31 years$34,684$24,555$17,028$11,606$7,801$1,139
32 years$33,235$23,234$15,888$10,666$7,057$954
33 years$31,877$22,003$14,835$9,809$6,386$800
34 years$30,602$20,854$13,861$9,025$5,782$671
35 years$29,401$19,780$12,959$8,308$5,237$563
36 years$28,271$18,774$12,122$7,651$4,745$472
37 years$27,203$17,831$11,346$7,050$4,301$396
38 years$26,195$16,946$10,625$6,498$3,899$332
39 years$25,240$16,114$9,955$5,991$3,536$278
40 years$24,335$15,331$9,331$5,526$3,207$234
41 years$23,477$14,593$8,749$5,099$2,909$196
42 years$22,662$13,898$8,207$4,705$2,640$164
43 years$21,887$13,242$7,701$4,344$2,396$138
44 years$21,149$12,623$7,229$4,011$2,175$116
45 years$20,446$12,037$6,788$3,704$1,974$97
46 years$19,775$11,483$6,375$3,421$1,793$81
47 years$19,135$10,958$5,989$3,161$1,628$68
48 years$18,524$10,461$5,628$2,921$1,478$57
49 years$17,939$9,990$5,290$2,699$1,343$48
50 years$17,379$9,542$4,974$2,495$1,220$40

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 $5,266 every year, while hoping to spend $31,350 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: 52/24/24 Blend
34$17,800,000$17,800,000$17,800,000$17,800,000
35$19,621,032$18,677,632$18,401,732$20,509,887
36$21,589,021$19,559,480$18,984,834$22,007,095
37$23,756,694$20,483,487$19,586,419$23,631,180
38$26,144,386$21,451,687$20,207,073$25,397,204
39$28,774,505$22,466,212$20,847,401$27,318,692
40$31,671,743$23,529,294$21,508,028$29,410,512
41$34,863,309$24,643,278$22,189,595$31,689,007
42$38,379,189$25,810,621$22,892,768$34,172,141
43$42,252,422$27,033,897$23,618,232$36,879,667
44$46,519,419$28,315,809$24,366,694$39,833,305
45$51,220,304$29,659,187$25,138,882$43,056,940
46$56,399,290$31,067,002$25,935,549$46,576,845
47$62,105,100$32,542,368$26,757,472$50,421,914
48$68,391,425$34,088,548$27,605,452$54,623,936
49$75,317,430$35,708,967$28,480,315$59,217,883
50$82,948,315$37,407,213$29,382,912$64,242,231
51$91,355,928$39,187,052$30,314,125$69,739,318
52$100,619,445$41,052,430$31,274,861$75,755,734
53$110,826,115$43,007,485$32,266,055$82,342,750
54$122,072,085$45,056,558$33,288,674$89,556,796
55$134,463,308$47,204,200$34,343,715$97,459,978
56$148,116,541$49,455,181$35,432,205$106,120,661
57$163,160,450$51,814,507$36,555,206$115,614,098
58$179,736,823$54,287,425$37,713,812$126,023,132
59$198,001,907$56,879,437$38,909,153$137,438,965
60$218,127,885$59,596,313$40,142,393$149,962,005
61$240,304,502$62,444,104$41,414,735$163,702,806
62$264,740,851$65,429,156$42,727,419$178,783,093
63$291,667,355$68,558,122$44,081,725$195,336,898
64$321,337,935$71,837,979$45,478,972$213,511,814
65$354,032,410$75,276,046$46,920,524$233,470,369
66$390,059,139$78,879,995$48,407,784$255,391,544
67$429,757,930$82,657,874$49,942,204$279,472,449
68$473,503,249$86,618,120$51,525,278$305,930,165
69$521,707,756$90,769,584$53,158,551$335,003,771
70$574,826,200$95,121,545$54,843,614$366,956,590
71$633,359,708$99,683,737$56,582,111$402,078,645
72$697,860,523$104,466,365$58,375,737$440,689,384
73$768,937,212$109,480,133$60,226,240$483,140,669
74$847,260,413$114,736,265$62,135,424$529,820,075
75$933,569,166$120,246,533$64,105,152$581,154,528
76$1,028,677,891$126,023,282$66,137,344$637,614,307
77$1,133,484,072$132,079,459$68,233,981$699,717,459
78$1,248,976,736$138,428,642$70,397,108$768,034,661
79$1,376,245,787$145,085,069$72,628,835$843,194,579
80$1,516,492,293$152,063,673$74,931,337$925,889,773
81$1,671,039,831$159,380,117$77,306,861$1,016,883,206
82$1,841,346,975$167,050,824$79,757,722$1,117,015,410
83$2,029,021,072$175,093,020$82,286,311$1,227,212,388
84$2,235,833,412$183,524,769$84,895,094$1,348,494,320
85$2,463,735,956$192,365,019$87,586,615$1,481,985,159
86$2,714,879,757$201,633,638$90,363,500$1,628,923,198
87$2,991,635,271$211,351,465$93,228,456$1,790,672,723
88$3,296,614,738$221,540,356$96,184,279$1,968,736,846
89$3,632,696,839$232,223,231$99,233,850$2,164,771,654
90$4,003,053,878$243,424,131$102,380,145$2,380,601,793
91$4,411,181,727$255,168,266$105,626,233$2,618,237,647
92$4,860,932,831$267,482,080$108,975,280$2,879,894,264
93$5,356,552,581$280,393,303$112,430,553$3,168,012,216
94$5,902,719,390$293,931,020$115,995,423$3,485,280,579
95$6,504,588,864$308,125,737$119,673,366$3,834,662,264
96$7,167,842,477$323,009,447$123,467,972$4,219,421,928
97$7,898,741,202$338,615,702$127,382,942$4,643,156,725
98$8,704,184,630$354,979,696$131,422,096$5,109,830,205
99$9,591,776,099$372,138,339$135,589,373$5,623,809,656
100$10,569,894,485$390,130,341$139,888,840$6,189,907,262