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%18.5%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,378,372
2 years$731,765$718,137$704,928$692,122$679,701$630,834
3 years$482,997$469,310$456,135$443,449$431,230$384,031
4 years$358,638$344,993$331,950$319,480$307,557$262,386
5 years$284,042$270,478$257,607$245,392$233,800$190,776
6 years$234,327$220,866$208,184$196,242$184,998$144,155
7 years$198,831$185,483$173,002$161,341$150,453$111,784
8 years$172,221$158,993$146,720$135,345$124,815$88,290
9 years$151,535$138,432$126,370$115,284$105,112$70,686
10 years$134,996$122,021$110,172$99,376$89,561$57,176
11 years$121,473$108,628$96,994$86,487$77,025$46,618
12 years$110,211$97,499$86,079$75,860$66,749$38,248
13 years$100,690$88,110$76,906$66,973$58,206$31,539
14 years$92,536$80,090$69,101$59,452$51,023$26,111
15 years$85,476$73,164$62,388$53,020$44,925$21,688
16 years$79,304$67,126$56,564$47,474$39,705$18,062
17 years$73,864$61,821$51,471$42,655$35,205$15,075
18 years$69,033$57,125$46,987$38,441$31,303$12,606
19 years$64,717$52,943$43,014$34,734$27,901$10,556
20 years$60,836$49,197$39,476$31,459$24,921$8,851
21 years$57,330$45,825$36,310$28,551$22,302$7,429
22 years$54,147$42,776$33,466$25,959$19,990$6,241
23 years$51,245$40,008$30,900$23,642$17,945$5,246
24 years$48,589$37,485$28,577$21,562$16,129$4,413
25 years$46,149$35,177$26,468$19,692$14,514$3,714
26 years$43,900$33,061$24,548$18,005$13,073$3,127
27 years$41,822$31,114$22,795$16,481$11,787$2,634
28 years$39,895$29,319$21,191$15,100$10,635$2,219
29 years$38,105$27,659$19,720$13,847$9,603$1,870
30 years$36,437$26,121$18,368$12,708$8,677$1,576
31 years$34,879$24,693$17,124$11,671$7,845$1,329
32 years$33,422$23,365$15,977$10,726$7,096$1,121
33 years$32,056$22,127$14,918$9,864$6,422$945
34 years$30,773$20,971$13,938$9,075$5,815$797
35 years$29,567$19,891$13,031$8,354$5,267$672
36 years$28,429$18,879$12,191$7,694$4,772$567
37 years$27,356$17,931$11,410$7,089$4,325$478
38 years$26,342$17,041$10,685$6,534$3,921$404
39 years$25,382$16,204$10,011$6,025$3,556$340
40 years$24,472$15,417$9,383$5,557$3,225$287
41 years$23,609$14,675$8,798$5,127$2,926$242
42 years$22,789$13,976$8,253$4,732$2,655$205
43 years$22,010$13,317$7,745$4,368$2,409$173
44 years$21,268$12,694$7,270$4,033$2,187$146
45 years$20,561$12,104$6,826$3,725$1,985$123
46 years$19,886$11,547$6,411$3,441$1,803$104
47 years$19,243$11,020$6,023$3,179$1,637$87
48 years$18,628$10,520$5,660$2,937$1,487$74
49 years$18,039$10,046$5,320$2,714$1,350$62
50 years$17,477$9,596$5,002$2,509$1,226$53

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 $3,322 every year, while hoping to spend $30,977 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: 52/30/18 Blend
34$17,900,000$17,900,000$17,900,000$17,900,000
35$19,729,227$18,780,527$18,503,077$20,657,742
36$21,708,648$19,667,813$19,089,970$22,183,123
37$23,888,933$20,597,538$19,695,487$23,837,819
38$26,290,536$21,571,749$20,320,217$25,636,915
39$28,935,997$22,592,592$20,964,772$27,594,118
40$31,850,157$23,662,317$21,629,779$29,724,485
41$35,060,385$24,783,282$22,315,889$32,044,566
42$38,596,844$25,957,963$23,023,771$34,572,547
43$42,492,771$27,188,952$23,754,116$37,328,420
44$46,784,793$28,478,970$24,507,638$40,334,162
45$51,513,270$29,830,868$25,285,073$43,613,935
46$56,722,680$31,247,637$26,087,179$47,194,309
47$62,462,034$32,732,412$26,914,740$51,104,503
48$68,785,342$34,288,480$27,768,564$55,376,650
49$75,752,120$35,919,289$28,649,484$60,046,098
50$83,427,956$37,628,454$29,558,362$65,151,726
51$91,885,125$39,419,766$30,496,084$70,736,311
52$101,203,272$41,297,199$31,463,567$76,846,912
53$111,470,165$43,264,920$32,461,756$83,535,313
54$122,782,521$45,327,301$33,491,624$90,858,494
55$135,246,924$47,488,924$34,554,179$98,879,159
56$148,980,824$49,754,595$35,650,458$107,666,318
57$164,113,651$52,129,354$36,781,532$117,295,926
58$180,788,036$54,618,484$37,948,505$127,851,584
59$199,161,153$57,227,528$39,152,518$139,425,315
60$219,406,210$59,962,296$40,394,746$152,118,422
61$241,714,077$62,828,882$41,676,404$166,042,425
62$266,295,092$65,833,676$42,998,743$181,320,100
63$293,381,046$68,983,381$44,363,055$198,086,621
64$323,227,368$72,285,022$45,770,672$216,490,820
65$356,115,541$75,745,969$47,222,971$236,696,572
66$392,355,755$79,373,951$48,721,370$258,884,325
67$432,289,839$83,177,071$50,267,332$283,252,784
68$476,294,483$87,163,828$51,862,369$310,020,764
69$524,784,801$91,343,136$53,508,039$339,429,234
70$578,218,242$95,724,341$55,205,950$371,743,574
71$637,098,914$100,317,245$56,957,760$407,256,050
72$701,982,340$105,132,127$58,765,182$446,288,553
73$773,480,704$110,179,767$60,629,981$489,195,611
74$852,268,631$115,471,471$62,553,981$536,367,707
75$939,089,553$121,019,095$64,539,061$588,234,938
76$1,034,762,729$126,835,072$66,587,161$645,271,048
77$1,140,190,979$132,932,442$68,700,282$707,997,863
78$1,256,369,208$139,324,880$70,880,491$776,990,193
79$1,384,393,797$146,026,729$73,129,917$852,881,218
80$1,525,472,954$153,053,029$75,450,759$936,368,431
81$1,680,938,121$160,419,553$77,845,285$1,028,220,189
82$1,852,256,544$168,142,845$80,315,836$1,129,282,924
83$2,041,045,121$176,240,255$82,864,827$1,240,489,093
84$2,249,085,674$184,729,978$85,494,749$1,362,865,941
85$2,478,341,762$193,631,096$88,208,173$1,497,545,149
86$2,730,977,226$202,963,624$91,007,751$1,645,773,478
87$3,009,376,612$212,748,551$93,896,219$1,808,924,481
88$3,316,167,687$223,007,890$96,876,403$1,988,511,429
89$3,654,246,243$233,764,728$99,951,214$2,186,201,533
90$4,026,803,439$245,043,279$103,123,659$2,403,831,635
91$4,437,355,928$256,868,938$106,396,840$2,643,425,486
92$4,889,779,055$269,268,338$109,773,956$2,907,212,793
93$5,388,343,444$282,269,412$113,258,309$3,197,650,198
94$5,937,755,319$295,901,458$116,853,307$3,517,444,409
95$6,543,200,932$310,195,200$120,562,463$3,869,577,681
96$7,210,395,527$325,182,864$124,389,405$4,257,335,893
97$7,945,637,296$340,898,249$128,337,875$4,684,339,494
98$8,755,866,840$357,376,803$132,411,734$5,154,577,601
99$9,648,732,695$374,655,704$136,614,964$5,672,445,571
100$10,632,663,542$392,773,945$140,951,678$6,242,786,414