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%18.8%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,369,036
2 years$727,677$714,125$700,990$688,256$675,903$625,702
3 years$480,299$466,688$453,587$440,972$428,821$380,357
4 years$356,634$343,065$330,095$317,696$305,839$259,483
5 years$282,455$268,967$256,167$244,021$232,494$188,367
6 years$233,018$219,632$207,021$195,145$183,964$142,100
7 years$197,720$184,447$172,036$160,440$149,612$110,002
8 years$171,259$158,105$145,900$134,589$124,118$86,729
9 years$150,688$137,659$125,664$114,640$104,525$69,308
10 years$134,242$121,339$109,556$98,821$89,061$55,956
11 years$120,794$108,021$96,452$86,004$76,595$45,534
12 years$109,596$96,954$85,598$75,437$66,376$37,285
13 years$100,128$87,618$76,477$66,599$57,881$30,681
14 years$92,019$79,643$68,715$59,119$50,738$25,348
15 years$84,998$72,755$62,040$52,724$44,674$21,009
16 years$78,861$66,751$56,248$47,209$39,483$17,459
17 years$73,451$61,475$51,184$42,417$35,008$14,540
18 years$68,648$56,806$46,724$38,226$31,128$12,130
19 years$64,355$52,647$42,774$34,540$27,745$10,135
20 years$60,497$48,922$39,256$31,283$24,782$8,479
21 years$57,010$45,569$36,108$28,391$22,177$7,100
22 years$53,845$42,537$33,279$25,814$19,879$5,950
23 years$50,959$39,784$30,727$23,510$17,844$4,990
24 years$48,317$37,275$28,417$21,442$16,039$4,188
25 years$45,891$34,981$26,320$19,582$14,433$3,516
26 years$43,655$32,876$24,411$17,905$13,000$2,953
27 years$41,588$30,941$22,667$16,389$11,721$2,481
28 years$39,672$29,155$21,072$15,016$10,576$2,086
29 years$37,892$27,505$19,610$13,770$9,550$1,753
30 years$36,233$25,975$18,266$12,637$8,629$1,474
31 years$34,684$24,555$17,028$11,606$7,801$1,240
32 years$33,235$23,234$15,888$10,666$7,057$1,043
33 years$31,877$22,003$14,835$9,809$6,386$877
34 years$30,602$20,854$13,861$9,025$5,782$738
35 years$29,401$19,780$12,959$8,308$5,237$621
36 years$28,271$18,774$12,122$7,651$4,745$522
37 years$27,203$17,831$11,346$7,050$4,301$440
38 years$26,195$16,946$10,625$6,498$3,899$370
39 years$25,240$16,114$9,955$5,991$3,536$311
40 years$24,335$15,331$9,331$5,526$3,207$262
41 years$23,477$14,593$8,749$5,099$2,909$221
42 years$22,662$13,898$8,207$4,705$2,640$186
43 years$21,887$13,242$7,701$4,344$2,396$156
44 years$21,149$12,623$7,229$4,011$2,175$131
45 years$20,446$12,037$6,788$3,704$1,974$111
46 years$19,775$11,483$6,375$3,421$1,793$93
47 years$19,135$10,958$5,989$3,161$1,628$78
48 years$18,524$10,461$5,628$2,921$1,478$66
49 years$17,939$9,990$5,290$2,699$1,343$56
50 years$17,379$9,542$4,974$2,495$1,220$47

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 $5,189 every year, while hoping to spend $22,778 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: 42/42/16 Blend
34$17,800,000$17,800,000$17,800,000$17,800,000
35$19,620,952$18,677,552$18,401,652$20,352,847
36$21,598,054$19,568,517$18,993,872$21,760,434
37$23,776,056$20,502,375$19,605,168$23,281,076
38$26,175,428$21,481,205$20,236,154$24,927,248
39$28,818,723$22,507,185$20,887,467$26,710,454
40$31,730,796$23,582,601$21,559,760$28,643,313
41$34,939,036$24,709,847$22,253,711$30,739,668
42$38,473,625$25,891,437$22,970,018$33,014,712
43$42,367,823$27,130,006$23,709,402$35,485,119
44$46,658,280$28,428,316$24,472,607$38,169,192
45$51,385,386$29,789,264$25,260,400$41,087,030
46$56,593,647$31,215,890$26,073,575$44,260,700
47$62,332,110$32,711,380$26,912,951$47,714,444
48$68,654,823$34,279,074$27,779,372$51,474,888
49$75,621,344$35,922,479$28,673,710$55,571,288
50$83,297,308$37,645,267$29,596,867$60,035,789
51$91,755,042$39,451,293$30,549,770$64,903,719
52$101,074,249$41,344,600$31,533,380$70,213,907
53$111,342,761$43,329,424$32,548,687$76,009,036
54$122,657,369$45,410,211$33,596,714$82,336,033
55$135,124,731$47,591,623$34,678,515$89,246,492
56$148,862,389$49,878,547$35,795,180$96,797,149
57$163,999,868$52,276,112$36,947,834$105,050,399
58$180,679,906$54,789,692$38,137,638$114,074,868
59$199,059,797$57,424,928$39,365,790$123,946,040
60$219,312,880$60,187,733$40,633,527$134,746,953
61$241,630,169$63,084,307$41,942,126$146,568,961
62$266,222,165$66,121,157$43,292,905$159,512,574
63$293,320,834$69,305,102$44,687,226$173,688,387
64$323,181,803$72,643,296$46,126,492$189,218,099
65$356,086,773$76,143,243$47,612,155$206,235,635
66$392,346,172$79,812,811$49,145,711$224,888,392
67$432,302,095$83,660,251$50,728,705$245,338,594
68$476,331,525$87,694,220$52,362,733$267,764,801
69$524,849,897$91,923,793$54,049,442$292,363,566
70$578,315,019$96,358,492$55,790,530$319,351,254
71$637,231,392$101,008,299$57,587,754$348,966,060
72$702,154,974$105,883,686$59,442,924$381,470,215
73$773,698,430$110,995,635$61,357,911$417,152,434
74$852,536,914$116,355,665$63,334,645$456,330,598
75$939,414,442$121,975,856$65,375,118$499,354,720
76$1,035,150,919$127,868,876$67,481,389$546,610,207
77$1,140,649,877$134,048,016$69,655,580$598,521,456
78$1,256,907,006$140,527,210$71,899,883$655,555,814
79$1,385,019,554$147,321,077$74,216,562$718,227,947
80$1,526,196,685$154,444,946$76,607,954$787,104,644
81$1,681,770,895$161,914,896$79,076,468$862,810,121
82$1,853,210,592$169,747,792$81,624,595$946,031,858
83$2,042,133,959$177,961,320$84,254,906$1,037,527,032
84$2,250,324,229$186,574,031$86,970,052$1,138,129,607
85$2,479,746,524$195,605,383$89,772,772$1,248,758,146
86$2,732,566,404$205,075,781$92,665,894$1,370,424,413
87$3,011,170,312$215,006,629$95,652,337$1,504,242,865
88$3,318,188,107$225,420,376$98,735,112$1,651,441,093
89$3,656,517,886$236,340,567$101,917,331$1,813,371,341
90$4,029,353,353$247,791,897$105,202,204$1,991,523,193
91$4,440,213,962$259,800,267$108,593,045$2,187,537,555
92$4,892,978,150$272,392,845$112,093,277$2,403,222,057
93$5,391,919,951$285,598,123$115,706,430$2,640,568,031
94$5,941,749,342$299,445,988$119,436,152$2,901,769,213
95$6,547,656,719$313,967,785$123,286,207$3,189,242,359
96$7,215,361,890$329,196,392$127,260,480$3,505,649,953
97$7,951,168,080$345,166,292$131,362,984$3,853,925,236
98$8,762,021,438$361,913,655$135,597,858$4,237,299,785
99$9,655,576,617$379,476,416$139,969,379$4,659,333,899
100$10,640,269,038$397,894,366$144,481,959$5,123,950,090