Can I retire at age 35 with 16,900,000?

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 $16,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$1,395,586$1,383,155$1,371,027$1,359,189$1,347,630$1,302,927
2 years$690,884$678,017$665,547$653,456$641,728$597,125
3 years$456,014$443,092$430,653$418,676$407,139$364,035
4 years$338,602$325,719$313,405$301,632$290,375$249,101
5 years$268,174$255,368$243,215$231,683$220,738$181,404
6 years$221,236$208,527$196,554$185,278$174,663$137,299
7 years$187,723$175,121$163,337$152,328$142,048$106,650
8 years$162,599$150,111$138,523$127,784$117,842$84,385
9 years$143,069$130,698$119,310$108,843$99,240$67,683
10 years$127,454$115,204$104,017$93,824$84,558$54,851
11 years$114,686$102,560$91,575$81,655$72,722$44,809
12 years$104,054$92,052$81,270$71,622$63,020$36,838
13 years$95,065$83,188$72,610$63,232$54,954$30,438
14 years$87,366$75,616$65,240$56,130$48,173$25,252
15 years$80,700$69,076$58,903$50,058$42,415$21,019
16 years$74,873$63,376$53,404$44,822$37,487$17,543
17 years$69,737$58,367$48,596$40,272$33,238$14,675
18 years$65,177$53,934$44,362$36,293$29,554$12,298
19 years$61,101$49,985$40,611$32,794$26,342$10,322
20 years$57,438$46,449$37,271$29,701$23,529$8,675
21 years$54,127$43,265$34,282$26,956$21,056$7,298
22 years$51,122$40,386$31,596$24,509$18,874$6,145
23 years$48,382$37,773$29,173$22,321$16,942$5,178
24 years$45,874$35,391$26,980$20,358$15,228$4,366
25 years$43,571$33,212$24,989$18,592$13,703$3,683
26 years$41,448$31,214$23,176$17,000$12,343$3,109
27 years$39,485$29,376$21,521$15,560$11,128$2,625
28 years$37,666$27,681$20,007$14,256$10,041$2,217
29 years$35,976$26,114$18,618$13,073$9,067$1,873
30 years$34,401$24,662$17,342$11,998$8,193$1,583
31 years$32,931$23,314$16,167$11,019$7,407$1,337
32 years$31,555$22,059$15,084$10,127$6,700$1,131
33 years$30,265$20,891$14,084$9,313$6,064$956
34 years$29,054$19,800$13,160$8,568$5,490$808
35 years$27,915$18,780$12,303$7,888$4,972$683
36 years$26,841$17,825$11,510$7,264$4,505$578
37 years$25,828$16,929$10,773$6,693$4,083$489
38 years$24,870$16,089$10,088$6,169$3,702$413
39 years$23,964$15,299$9,452$5,688$3,357$350
40 years$23,105$14,556$8,859$5,247$3,045$296
41 years$22,290$13,856$8,307$4,841$2,762$250
42 years$21,516$13,196$7,792$4,467$2,507$212
43 years$20,780$12,573$7,312$4,124$2,275$179
44 years$20,080$11,984$6,863$3,808$2,065$151
45 years$19,412$11,428$6,445$3,517$1,875$128
46 years$18,775$10,902$6,053$3,248$1,702$108
47 years$18,168$10,404$5,687$3,001$1,545$92
48 years$17,587$9,932$5,344$2,773$1,404$78
49 years$17,032$9,484$5,023$2,563$1,275$66
50 years$16,500$9,060$4,722$2,369$1,158$55

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $16,900,000, adding $2,838 every year, while hoping to spend $50,318 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: 43/35/22 Blend
34$16,900,000$16,900,000$16,900,000$16,900,000
35$18,626,727$17,731,027$17,469,077$19,308,152
36$20,473,116$18,546,310$18,000,754$20,607,160
37$22,506,149$19,399,855$18,548,554$22,008,581
38$24,744,812$20,293,483$19,112,967$23,525,940
39$27,210,025$21,229,106$19,694,493$25,169,963
40$29,924,838$22,208,723$20,293,649$26,952,428
41$32,914,653$23,234,432$20,910,968$28,886,261
42$36,207,460$24,308,431$21,546,998$30,985,658
43$39,834,102$25,433,025$22,202,303$33,266,209
44$43,828,566$26,610,629$22,877,466$35,745,038
45$48,228,304$27,843,774$23,573,085$38,440,958
46$53,074,585$29,135,114$24,289,778$41,374,639
47$58,412,888$30,487,429$25,028,181$44,568,798
48$64,293,326$31,903,636$25,788,948$48,048,400
49$70,771,121$33,386,791$26,572,754$51,840,889
50$77,907,127$34,940,096$27,380,293$55,976,436
51$85,768,403$36,566,909$28,212,282$60,488,212
52$94,428,844$38,270,751$29,069,457$65,412,694
53$103,969,879$40,055,311$29,952,577$70,789,995
54$114,481,243$41,924,458$30,862,424$76,664,234
55$126,061,819$43,882,245$31,799,805$83,083,941
56$138,820,573$45,932,924$32,765,547$90,102,500
57$152,877,585$48,080,950$33,760,506$97,778,641
58$168,365,177$50,330,995$34,785,561$106,176,983
59$185,429,166$52,687,955$35,841,619$115,368,628
60$204,230,242$55,156,965$36,929,613$125,431,815
61$224,945,476$57,743,407$38,050,505$136,452,648
62$247,770,003$60,452,922$39,205,286$148,525,889
63$272,918,854$63,291,426$40,394,974$161,755,838
64$300,628,992$66,265,121$41,620,620$176,257,298
65$331,161,545$69,380,507$42,883,307$192,156,640
66$364,804,273$72,644,403$44,184,148$209,592,978
67$401,874,283$76,063,952$45,524,291$228,719,461
68$442,721,024$79,646,650$46,904,918$249,704,699
69$487,729,582$83,400,349$48,327,246$272,734,332
70$537,324,320$87,333,287$49,792,530$298,012,754
71$591,972,880$91,454,097$51,302,059$325,765,030
72$652,190,600$95,771,834$52,857,164$356,238,981
73$718,545,377$100,295,990$54,459,215$389,707,510
74$791,663,028$105,036,516$56,109,621$426,471,141
75$872,233,199$110,003,848$57,809,836$466,860,830
76$961,015,875$115,208,926$59,561,355$511,241,063
77$1,058,848,553$120,663,222$61,365,719$560,013,257
78$1,166,654,149$126,378,763$63,224,514$613,619,524
79$1,285,449,712$132,368,162$65,139,375$672,546,803
80$1,416,356,023$138,644,643$67,111,985$737,331,427
81$1,560,608,176$145,222,069$69,144,075$808,564,142
82$1,719,567,240$152,114,980$71,237,432$886,895,649
83$1,894,733,105$159,338,621$73,393,892$973,042,700
84$2,087,758,643$166,908,975$75,615,349$1,067,794,825
85$2,300,465,313$174,842,803$77,903,752$1,172,021,738
86$2,534,860,355$183,157,681$80,261,108$1,286,681,499
87$2,793,155,741$191,872,036$82,689,484$1,412,829,509
88$3,077,789,054$201,005,193$85,191,009$1,551,628,422
89$3,391,446,504$210,577,415$87,767,875$1,704,359,063
90$3,737,088,288$220,609,949$90,422,339$1,872,432,466
91$4,117,976,533$231,125,076$93,156,727$2,057,403,132
92$4,537,706,094$242,146,159$95,973,431$2,260,983,641
93$5,000,238,492$253,697,697$98,874,918$2,485,060,757
94$5,509,939,316$265,805,382$101,863,726$2,731,713,167
95$6,071,619,434$278,496,153$104,942,468$3,003,231,034
96$6,690,580,412$291,798,261$108,113,837$3,302,137,545
97$7,372,664,568$305,741,330$111,380,604$3,631,212,647
98$8,124,310,124$320,356,424$114,745,624$3,993,519,212
99$8,952,611,990$335,676,123$118,211,836$4,392,431,863
100$9,865,388,746$351,734,586$121,782,266$4,831,668,744