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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.8%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,404,881
2 years$731,765$718,137$704,928$692,122$679,701$657,101
3 years$482,997$469,310$456,135$443,449$431,230$409,223
4 years$358,638$344,993$331,950$319,480$307,557$286,313
5 years$284,042$270,478$257,607$245,392$233,800$213,380
6 years$234,327$220,866$208,184$196,242$184,998$165,426
7 years$198,831$185,483$173,002$161,341$150,453$131,734
8 years$172,221$158,993$146,720$135,345$124,815$106,947
9 years$151,535$138,432$126,370$115,284$105,112$88,086
10 years$134,996$122,021$110,172$99,376$89,561$73,362
11 years$121,473$108,628$96,994$86,487$77,025$61,637
12 years$110,211$97,499$86,079$75,860$66,749$52,152
13 years$100,690$88,110$76,906$66,973$58,206$44,380
14 years$92,536$80,090$69,101$59,452$51,023$37,945
15 years$85,476$73,164$62,388$53,020$44,925$32,571
16 years$79,304$67,126$56,564$47,474$39,705$28,050
17 years$73,864$61,821$51,471$42,655$35,205$24,223
18 years$69,033$57,125$46,987$38,441$31,303$20,968
19 years$64,717$52,943$43,014$34,734$27,901$18,187
20 years$60,836$49,197$39,476$31,459$24,921$15,802
21 years$57,330$45,825$36,310$28,551$22,302$13,750
22 years$54,147$42,776$33,466$25,959$19,990$11,979
23 years$51,245$40,008$30,900$23,642$17,945$10,448
24 years$48,589$37,485$28,577$21,562$16,129$9,122
25 years$46,149$35,177$26,468$19,692$14,514$7,970
26 years$43,900$33,061$24,548$18,005$13,073$6,969
27 years$41,822$31,114$22,795$16,481$11,787$6,097
28 years$39,895$29,319$21,191$15,100$10,635$5,337
29 years$38,105$27,659$19,720$13,847$9,603$4,675
30 years$36,437$26,121$18,368$12,708$8,677$4,096
31 years$34,879$24,693$17,124$11,671$7,845$3,590
32 years$33,422$23,365$15,977$10,726$7,096$3,147
33 years$32,056$22,127$14,918$9,864$6,422$2,760
34 years$30,773$20,971$13,938$9,075$5,815$2,421
35 years$29,567$19,891$13,031$8,354$5,267$2,125
36 years$28,429$18,879$12,191$7,694$4,772$1,864
37 years$27,356$17,931$11,410$7,089$4,325$1,636
38 years$26,342$17,041$10,685$6,534$3,921$1,437
39 years$25,382$16,204$10,011$6,025$3,556$1,261
40 years$24,472$15,417$9,383$5,557$3,225$1,107
41 years$23,609$14,675$8,798$5,127$2,926$972
42 years$22,789$13,976$8,253$4,732$2,655$854
43 years$22,010$13,317$7,745$4,368$2,409$750
44 years$21,268$12,694$7,270$4,033$2,187$659
45 years$20,561$12,104$6,826$3,725$1,985$579
46 years$19,886$11,547$6,411$3,441$1,803$508
47 years$19,243$11,020$6,023$3,179$1,637$447
48 years$18,628$10,520$5,660$2,937$1,487$392
49 years$18,039$10,046$5,320$2,714$1,350$345
50 years$17,477$9,596$5,002$2,509$1,226$303

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 $5,062 every year, while hoping to spend $32,872 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: 65/26/9 Blend
34$17,900,000$17,900,000$17,900,000$17,900,000
35$19,731,021$18,782,321$18,504,871$20,976,823
36$21,708,610$19,667,680$19,089,809$22,692,549
37$23,886,811$20,595,319$19,693,240$24,562,017
38$26,286,052$21,567,276$20,315,750$26,603,681
39$28,928,843$22,585,686$20,957,942$28,834,303
40$31,839,990$23,652,790$21,620,438$31,272,321
41$35,046,827$24,770,934$22,303,880$33,938,013
42$38,579,474$25,942,581$23,008,931$36,853,690
43$42,471,125$27,170,311$23,736,275$40,043,893
44$46,758,355$28,456,832$24,486,615$43,535,626
45$51,481,470$29,804,980$25,260,680$47,358,603
46$56,684,887$31,217,731$26,059,219$51,545,520
47$62,417,550$32,698,204$26,883,008$56,132,359
48$68,733,395$34,249,670$27,732,843$61,158,720
49$75,691,857$35,875,561$28,609,550$66,668,190
50$83,358,434$37,579,471$29,513,977$72,708,744
51$91,805,301$39,365,171$30,447,002$79,333,192
52$101,111,994$41,236,617$31,409,529$86,599,667
53$111,366,160$43,197,954$32,402,491$94,572,171
54$122,664,385$45,253,530$33,426,850$103,321,160
55$135,113,103$47,407,904$34,483,600$112,924,213
56$148,829,604$49,665,856$35,573,766$123,466,741
57$163,943,139$52,032,399$36,698,403$135,042,794
58$180,596,143$54,512,789$37,858,602$147,755,931
59$198,945,572$57,112,539$39,055,489$161,720,190
60$219,164,396$59,837,428$40,290,223$177,061,153
61$241,443,220$62,693,518$41,564,001$193,917,115
62$265,992,091$65,687,164$42,878,058$212,440,383
63$293,042,481$68,825,030$44,233,669$232,798,693
64$322,849,464$72,114,107$45,632,147$255,176,786
65$355,694,134$75,561,724$47,074,849$279,778,135
66$391,886,253$79,175,565$48,563,173$306,826,847
67$431,767,174$82,963,691$50,098,563$336,569,768
68$475,713,067$86,934,553$51,682,507$369,278,791
69$524,138,470$91,097,016$53,316,540$405,253,410
70$577,500,197$95,460,373$55,002,248$444,823,525
71$636,301,658$100,034,372$56,741,264$488,352,539
72$701,097,606$104,829,236$58,535,275$536,240,765
73$772,499,376$109,855,682$60,386,021$588,929,189
74$851,180,656$115,124,954$62,295,296$646,903,607
75$937,883,846$120,648,840$64,264,951$710,699,188
76$1,033,427,068$126,439,703$66,296,897$780,905,502
77$1,138,711,890$132,510,509$68,393,104$858,172,063
78$1,254,731,834$138,874,855$70,555,604$943,214,428
79$1,382,581,759$145,547,002$72,786,496$1,036,820,930
80$1,523,468,197$152,541,902$75,087,941$1,139,860,086
81$1,678,720,738$159,875,241$77,462,172$1,253,288,769
82$1,849,804,590$167,563,465$79,911,492$1,378,161,207
83$2,038,334,407$175,623,823$82,438,275$1,515,638,902
84$2,246,089,532$184,074,406$85,044,973$1,667,001,561
85$2,475,030,798$192,934,186$87,734,114$1,833,659,137
86$2,727,319,037$202,223,059$90,508,304$2,017,165,105
87$3,005,335,483$211,961,892$93,370,236$2,219,231,082
88$3,311,704,247$222,172,570$96,322,684$2,441,742,951
89$3,649,317,099$232,878,045$99,368,513$2,686,778,609
90$4,021,360,761$244,102,387$102,510,676$2,956,627,547
91$4,431,346,996$255,870,841$105,752,221$3,253,812,410
92$4,883,145,761$268,209,883$109,096,291$3,581,112,762
93$5,381,021,743$281,147,282$112,546,132$3,941,591,275
94$5,929,674,622$294,712,160$116,105,088$4,338,622,582
95$6,534,283,437$308,935,060$119,776,612$4,775,925,083
96$7,200,555,484$323,848,014$123,564,265$5,257,595,982
97$7,934,780,197$339,484,620$127,471,722$5,788,149,905
98$8,743,888,525$355,880,114$131,502,772$6,372,561,455
99$9,635,518,365$373,071,450$135,661,325$7,016,312,101
100$10,618,086,675$391,097,388$139,951,417$7,725,441,856