Can I retire at age 35 with 17,900,000?

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 $17,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,392,865
2 years$731,765$718,137$704,928$692,122$679,701$645,144
3 years$482,997$469,310$456,135$443,449$431,230$397,702
4 years$358,638$344,993$331,950$319,480$307,557$275,316
5 years$284,042$270,478$257,607$245,392$233,800$202,937
6 years$234,327$220,866$208,184$196,242$184,998$155,543
7 years$198,831$185,483$173,002$161,341$150,453$122,410
8 years$172,221$158,993$146,720$135,345$124,815$98,173
9 years$151,535$138,432$126,370$115,284$105,112$79,849
10 years$134,996$122,021$110,172$99,376$89,561$65,648
11 years$121,473$108,628$96,994$86,487$77,025$54,428
12 years$110,211$97,499$86,079$75,860$66,749$45,430
13 years$100,690$88,110$76,906$66,973$58,206$38,124
14 years$92,536$80,090$69,101$59,452$51,023$32,135
15 years$85,476$73,164$62,388$53,020$44,925$27,186
16 years$79,304$67,126$56,564$47,474$39,705$23,068
17 years$73,864$61,821$51,471$42,655$35,205$19,623
18 years$69,033$57,125$46,987$38,441$31,303$16,727
19 years$64,717$52,943$43,014$34,734$27,901$14,285
20 years$60,836$49,197$39,476$31,459$24,921$12,217
21 years$57,330$45,825$36,310$28,551$22,302$10,462
22 years$54,147$42,776$33,466$25,959$19,990$8,968
23 years$51,245$40,008$30,900$23,642$17,945$7,695
24 years$48,589$37,485$28,577$21,562$16,129$6,608
25 years$46,149$35,177$26,468$19,692$14,514$5,678
26 years$43,900$33,061$24,548$18,005$13,073$4,882
27 years$41,822$31,114$22,795$16,481$11,787$4,200
28 years$39,895$29,319$21,191$15,100$10,635$3,614
29 years$38,105$27,659$19,720$13,847$9,603$3,111
30 years$36,437$26,121$18,368$12,708$8,677$2,679
31 years$34,879$24,693$17,124$11,671$7,845$2,308
32 years$33,422$23,365$15,977$10,726$7,096$1,988
33 years$32,056$22,127$14,918$9,864$6,422$1,714
34 years$30,773$20,971$13,938$9,075$5,815$1,477
35 years$29,567$19,891$13,031$8,354$5,267$1,273
36 years$28,429$18,879$12,191$7,694$4,772$1,098
37 years$27,356$17,931$11,410$7,089$4,325$946
38 years$26,342$17,041$10,685$6,534$3,921$816
39 years$25,382$16,204$10,011$6,025$3,556$704
40 years$24,472$15,417$9,383$5,557$3,225$607
41 years$23,609$14,675$8,798$5,127$2,926$523
42 years$22,789$13,976$8,253$4,732$2,655$452
43 years$22,010$13,317$7,745$4,368$2,409$389
44 years$21,268$12,694$7,270$4,033$2,187$336
45 years$20,561$12,104$6,826$3,725$1,985$290
46 years$19,886$11,547$6,411$3,441$1,803$250
47 years$19,243$11,020$6,023$3,179$1,637$216
48 years$18,628$10,520$5,660$2,937$1,487$186
49 years$18,039$10,046$5,320$2,714$1,350$161
50 years$17,477$9,596$5,002$2,509$1,226$138

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,900,000, adding $3,260 every year, while hoping to spend $26,014 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: 68/23/9 Blend
34$17,900,000$17,900,000$17,900,000$17,900,000
35$19,729,163$18,780,463$18,503,013$21,036,184
36$21,713,859$19,673,027$19,095,185$22,796,462
37$23,900,122$20,608,454$19,706,323$24,717,369
38$26,308,484$21,588,819$20,337,035$26,817,373
39$28,961,572$22,616,293$20,987,948$29,114,011
40$31,884,318$23,693,157$21,659,710$31,626,579
41$35,104,197$24,821,800$22,352,989$34,376,303
42$38,651,485$26,004,729$23,068,474$37,386,541
43$42,559,547$27,244,571$23,806,878$40,682,993
44$46,865,147$28,544,082$24,568,935$44,293,944
45$51,608,802$29,906,151$25,355,404$48,250,522
46$56,835,156$31,333,809$26,167,067$52,586,988
47$62,593,410$32,830,234$27,004,732$57,341,050
48$68,937,780$34,398,757$27,869,232$62,554,218
49$75,928,010$36,042,873$28,761,428$68,272,186
50$83,629,939$37,766,245$29,682,207$74,545,257
51$92,116,118$39,572,717$30,632,487$81,428,811
52$101,466,500$41,466,318$31,613,213$88,983,821
53$111,769,188$43,451,273$32,625,361$97,277,418
54$123,121,274$45,532,013$33,669,939$106,383,522
55$135,629,748$47,713,187$34,747,986$116,383,526
56$149,412,515$49,999,666$35,860,577$127,367,058
57$164,599,504$52,396,561$37,008,818$139,432,818
58$181,333,892$54,909,232$38,193,852$152,689,497
59$199,773,464$57,543,298$39,416,861$167,256,798
60$220,092,092$60,304,655$40,679,061$183,266,551
61$242,481,385$63,199,483$41,981,709$200,863,946
62$267,152,493$66,234,264$43,326,103$220,208,896
63$294,338,101$69,415,797$44,713,581$241,477,531
64$324,294,627$72,751,210$46,145,526$264,863,849
65$357,304,640$76,247,981$47,623,362$290,581,534
66$393,679,532$79,913,951$49,148,564$318,865,957
67$433,762,452$83,757,342$50,722,648$349,976,388
68$477,931,550$87,786,780$52,347,184$384,198,422
69$526,603,543$92,011,307$54,023,790$421,846,665
70$580,237,654$96,440,410$55,754,136$463,267,683
71$639,339,941$101,084,037$57,539,946$508,843,256
72$704,468,079$105,952,619$59,382,999$558,993,969
73$776,236,625$111,057,099$61,285,131$614,183,154
74$855,322,816$116,408,952$63,248,238$674,921,252
75$942,472,965$122,020,213$65,274,276$741,770,605
76$1,038,509,507$127,903,502$67,365,264$815,350,747
77$1,144,338,761$134,072,059$69,523,285$896,344,225
78$1,260,959,490$140,539,765$71,750,490$985,503,022
79$1,389,472,326$147,321,181$74,049,099$1,083,655,626
80$1,531,090,163$154,431,578$76,421,403$1,191,714,830
81$1,687,149,606$161,886,972$78,869,767$1,310,686,317
82$1,859,123,592$169,704,160$81,396,630$1,441,678,127
83$2,048,635,293$177,900,759$84,004,513$1,585,911,085
84$2,257,473,443$186,495,246$86,696,014$1,744,730,296
85$2,487,609,220$195,506,999$89,473,816$1,919,617,808
86$2,741,214,862$204,956,343$92,340,690$2,112,206,571
87$3,020,684,168$214,864,594$95,299,493$2,324,295,811
88$3,328,655,103$225,254,110$98,353,177$2,557,867,982
89$3,668,034,700$236,148,337$101,504,784$2,815,107,440
90$4,042,026,504$247,571,870$104,757,459$3,098,421,019
91$4,454,160,819$259,550,503$108,114,445$3,410,460,713
92$4,908,328,033$272,111,289$111,579,090$3,754,148,663
93$5,408,815,352$285,282,601$115,154,849$4,132,704,696
94$5,960,347,270$299,094,201$118,845,288$4,549,676,672
95$6,568,130,175$313,577,300$122,654,089$5,008,973,923
96$7,237,901,502$328,764,637$126,585,050$5,514,904,107
97$7,975,983,899$344,690,548$130,642,094$6,072,213,811
98$8,789,344,919$361,391,047$134,829,266$6,686,133,308
99$9,685,662,798$378,903,906$139,150,744$7,362,425,862
100$10,673,398,950$397,268,743$143,610,839$8,107,442,079