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%18.6%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,377,823
2 years$731,765$718,137$704,928$692,122$679,701$630,294
3 years$482,997$469,310$456,135$443,449$431,230$383,517
4 years$358,638$344,993$331,950$319,480$307,557$261,903
5 years$284,042$270,478$257,607$245,392$233,800$190,325
6 years$234,327$220,866$208,184$196,242$184,998$143,735
7 years$198,831$185,483$173,002$161,341$150,453$111,395
8 years$172,221$158,993$146,720$135,345$124,815$87,931
9 years$151,535$138,432$126,370$115,284$105,112$70,355
10 years$134,996$122,021$110,172$99,376$89,561$56,872
11 years$121,473$108,628$96,994$86,487$77,025$46,340
12 years$110,211$97,499$86,079$75,860$66,749$37,995
13 years$100,690$88,110$76,906$66,973$58,206$31,309
14 years$92,536$80,090$69,101$59,452$51,023$25,902
15 years$85,476$73,164$62,388$53,020$44,925$21,499
16 years$79,304$67,126$56,564$47,474$39,705$17,892
17 years$73,864$61,821$51,471$42,655$35,205$14,923
18 years$69,033$57,125$46,987$38,441$31,303$12,468
19 years$64,717$52,943$43,014$34,734$27,901$10,433
20 years$60,836$49,197$39,476$31,459$24,921$8,741
21 years$57,330$45,825$36,310$28,551$22,302$7,331
22 years$54,147$42,776$33,466$25,959$19,990$6,154
23 years$51,245$40,008$30,900$23,642$17,945$5,169
24 years$48,589$37,485$28,577$21,562$16,129$4,345
25 years$46,149$35,177$26,468$19,692$14,514$3,654
26 years$43,900$33,061$24,548$18,005$13,073$3,074
27 years$41,822$31,114$22,795$16,481$11,787$2,587
28 years$39,895$29,319$21,191$15,100$10,635$2,178
29 years$38,105$27,659$19,720$13,847$9,603$1,834
30 years$36,437$26,121$18,368$12,708$8,677$1,544
31 years$34,879$24,693$17,124$11,671$7,845$1,301
32 years$33,422$23,365$15,977$10,726$7,096$1,096
33 years$32,056$22,127$14,918$9,864$6,422$924
34 years$30,773$20,971$13,938$9,075$5,815$778
35 years$29,567$19,891$13,031$8,354$5,267$656
36 years$28,429$18,879$12,191$7,694$4,772$553
37 years$27,356$17,931$11,410$7,089$4,325$466
38 years$26,342$17,041$10,685$6,534$3,921$393
39 years$25,382$16,204$10,011$6,025$3,556$331
40 years$24,472$15,417$9,383$5,557$3,225$279
41 years$23,609$14,675$8,798$5,127$2,926$235
42 years$22,789$13,976$8,253$4,732$2,655$198
43 years$22,010$13,317$7,745$4,368$2,409$167
44 years$21,268$12,694$7,270$4,033$2,187$141
45 years$20,561$12,104$6,826$3,725$1,985$119
46 years$19,886$11,547$6,411$3,441$1,803$100
47 years$19,243$11,020$6,023$3,179$1,637$85
48 years$18,628$10,520$5,660$2,937$1,487$71
49 years$18,039$10,046$5,320$2,714$1,350$60
50 years$17,477$9,596$5,002$2,509$1,226$51

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 $2,395 every year, while hoping to spend $57,320 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: 37/48/15 Blend
34$17,900,000$17,900,000$17,900,000$17,900,000
35$19,728,270$18,779,570$18,502,120$20,368,022
36$21,679,566$19,638,781$19,060,953$21,687,112
37$23,827,973$20,538,172$19,636,586$23,105,330
38$26,193,535$21,479,652$20,229,521$24,635,969
39$28,798,341$22,465,220$20,840,275$26,289,124
40$31,666,728$23,496,973$21,469,381$28,075,855
41$34,825,516$24,577,106$22,117,387$30,008,289
42$38,304,257$25,707,923$22,784,858$32,099,723
43$42,135,516$26,891,836$23,472,375$34,364,740
44$46,355,176$28,131,373$24,180,537$36,819,337
45$51,002,779$29,429,186$24,909,961$39,481,068
46$56,121,899$30,788,051$25,661,280$42,369,195
47$61,760,548$32,210,882$26,435,149$45,504,864
48$67,971,638$33,700,729$27,232,240$48,911,290
49$74,813,472$35,260,791$28,053,247$52,613,963
50$82,350,297$36,894,421$28,898,882$56,640,879
51$90,652,913$38,605,134$29,769,880$61,022,789
52$99,799,337$40,396,612$30,666,998$65,793,475
53$109,875,540$42,272,717$31,591,013$70,990,057
54$120,976,262$44,237,496$32,542,729$76,653,327
55$133,205,900$46,295,193$33,522,969$82,828,115
56$146,679,497$48,450,253$34,532,584$89,563,700
57$161,523,829$50,707,339$35,572,449$96,914,258
58$177,878,599$53,071,337$36,643,465$104,939,351
59$195,897,754$55,547,371$37,746,559$113,704,472
60$215,750,942$58,140,809$38,882,686$123,281,648
61$237,625,111$60,857,282$40,052,830$133,750,089
62$261,726,275$63,702,691$41,258,001$145,196,926
63$288,281,454$66,683,222$42,499,243$157,718,000
64$317,540,822$69,805,360$43,777,629$171,418,751
65$349,780,069$73,075,905$45,094,262$186,415,180
66$385,302,996$76,501,985$46,450,280$202,834,928
67$424,444,390$80,091,071$47,846,853$220,818,443
68$467,573,183$83,850,998$49,285,187$240,520,286
69$515,095,929$87,789,978$50,766,522$262,110,554
70$567,460,649$91,916,622$52,292,136$285,776,455
71$625,161,056$96,239,958$53,863,343$311,724,047
72$688,741,216$100,769,448$55,481,498$340,180,142
73$758,800,685$105,515,016$57,147,993$371,394,416
74$836,000,168$110,487,065$58,864,264$405,641,725
75$921,067,755$115,696,501$60,631,786$443,224,662
76$1,014,805,796$121,154,760$62,452,082$484,476,372
77$1,118,098,476$126,873,831$64,326,714$529,763,651
78$1,231,920,156$132,866,285$66,257,296$579,490,366
79$1,357,344,581$139,145,302$68,245,484$634,101,219
80$1,495,555,007$145,724,701$70,292,987$694,085,894
81$1,647,855,377$152,618,970$72,401,561$759,983,630
82$1,815,682,628$159,843,303$74,573,016$832,388,253
83$2,000,620,258$167,413,626$76,809,213$911,953,728
84$2,204,413,273$175,346,642$79,112,071$999,400,272
85$2,428,984,663$183,659,864$81,483,561$1,095,521,088
86$2,676,453,553$192,371,652$83,925,715$1,201,189,790
87$2,949,155,213$201,501,260$86,440,623$1,317,368,579
88$3,249,663,098$211,068,875$89,030,438$1,445,117,255
89$3,580,813,151$221,095,667$91,697,375$1,585,603,148
90$3,945,730,568$231,603,831$94,443,713$1,740,112,057
91$4,347,859,308$242,616,640$97,271,799$1,910,060,303
92$4,790,994,603$254,158,500$100,184,049$2,097,008,018
93$5,279,318,787$266,255,002$103,182,949$2,302,673,779
94$5,817,440,784$278,932,977$106,271,059$2,528,950,736
95$6,410,439,616$292,220,566$109,451,012$2,777,924,388
96$7,063,912,355$306,147,272$112,725,519$3,051,892,162
97$7,784,026,963$320,744,036$116,097,371$3,353,384,995
98$8,577,580,520$336,043,300$119,569,440$3,685,191,110
99$9,452,063,399$352,079,087$123,144,682$4,050,382,221
100$10,415,729,975$368,887,072$126,826,138$4,452,342,404