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

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 $17,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,403,844$1,391,339$1,379,139$1,367,231$1,355,604$1,304,912
2 years$694,972$682,029$669,485$657,323$645,526$595,035
3 years$458,713$445,714$433,201$421,153$409,548$360,847
4 years$340,606$327,647$315,260$303,417$292,093$245,553
5 years$269,760$256,879$244,654$233,053$222,044$177,785
6 years$222,546$209,761$197,717$186,375$175,696$133,749
7 years$188,834$176,157$164,304$153,229$142,888$103,242
8 years$163,562$150,999$139,343$128,540$118,539$81,157
9 years$143,916$131,472$120,016$109,487$99,827$64,657
10 years$128,208$115,886$104,632$94,379$85,058$52,036
11 years$115,365$103,166$92,117$82,138$73,153$42,207
12 years$104,670$92,597$81,751$72,046$63,393$34,445
13 years$95,628$83,680$73,039$63,606$55,280$28,248
14 years$87,883$76,063$65,626$56,462$48,458$23,256
15 years$81,178$69,485$59,252$50,355$42,666$19,207
16 years$75,316$63,751$53,720$45,087$37,708$15,903
17 years$70,150$58,712$48,883$40,510$33,435$13,196
18 years$65,562$54,253$44,624$36,508$29,729$10,968
19 years$61,463$50,281$40,851$32,988$26,498$9,129
20 years$57,778$46,724$37,491$29,877$23,668$7,608
21 years$54,448$43,521$34,485$27,115$21,180$6,346
22 years$51,425$40,625$31,783$24,654$18,985$5,298
23 years$48,669$37,996$29,346$22,453$17,042$4,426
24 years$46,146$35,600$27,140$20,478$15,318$3,699
25 years$43,829$33,409$25,137$18,702$13,784$3,093
26 years$41,693$31,399$23,313$17,100$12,416$2,588
27 years$39,719$29,550$21,649$15,652$11,194$2,166
28 years$37,889$27,845$20,125$14,341$10,101$1,813
29 years$36,189$26,268$18,728$13,151$9,121$1,518
30 years$34,605$24,808$17,445$12,069$8,241$1,271
31 years$33,126$23,452$16,263$11,085$7,451$1,064
32 years$31,742$22,190$15,174$10,187$6,740$892
33 years$30,445$21,014$14,168$9,368$6,099$747
34 years$29,226$19,917$13,238$8,619$5,522$626
35 years$28,080$18,891$12,376$7,934$5,002$524
36 years$27,000$17,930$11,578$7,307$4,532$439
37 years$25,981$17,029$10,836$6,733$4,107$368
38 years$25,017$16,184$10,148$6,206$3,724$309
39 years$24,106$15,389$9,507$5,722$3,377$259
40 years$23,242$14,642$8,911$5,278$3,063$217
41 years$22,422$13,938$8,356$4,869$2,779$182
42 years$21,643$13,274$7,838$4,494$2,521$152
43 years$20,903$12,647$7,355$4,148$2,288$128
44 years$20,198$12,055$6,904$3,830$2,077$107
45 years$19,527$11,496$6,483$3,537$1,886$90
46 years$18,886$10,967$6,089$3,268$1,712$75
47 years$18,275$10,465$5,720$3,019$1,555$63
48 years$17,691$9,991$5,375$2,790$1,412$53
49 years$17,132$9,541$5,053$2,578$1,282$44
50 years$16,598$9,114$4,750$2,383$1,165$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,000,000, adding $6,165 every year, while hoping to spend $57,314 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: 42/48/10 Blend
34$17,000,000$17,000,000$17,000,000$17,000,000
35$18,740,359$17,839,359$17,575,859$19,472,284
36$20,590,894$18,652,506$18,103,669$20,797,465
37$22,628,263$19,503,576$18,647,239$22,225,283
38$24,871,462$20,394,368$19,207,038$23,770,050
39$27,341,423$21,326,764$19,783,546$25,442,451
40$30,061,212$22,302,739$20,377,258$27,254,209
41$33,056,245$23,324,363$20,988,686$29,218,180
42$36,354,528$24,393,803$21,618,353$31,348,474
43$39,986,922$25,513,331$22,266,800$33,660,575
44$43,987,434$26,685,330$22,934,583$36,171,479
45$48,393,536$27,912,295$23,622,276$38,899,845
46$53,246,521$29,196,842$24,330,466$41,866,164
47$58,591,891$30,541,712$25,059,762$45,092,940
48$64,479,787$31,949,779$25,810,787$48,604,890
49$70,965,461$33,424,054$26,584,185$52,429,172
50$78,109,800$34,967,694$27,380,616$56,595,622
51$85,979,895$36,584,007$28,200,763$61,137,032
52$94,649,682$38,276,461$29,045,325$66,089,439
53$104,200,631$40,048,689$29,915,026$71,492,456
54$114,722,523$41,904,502$30,810,606$77,389,633
55$126,314,291$43,847,893$31,732,832$83,828,849
56$139,084,956$45,883,048$32,682,490$90,862,753
57$153,154,657$48,014,353$33,660,389$98,549,243
58$168,655,784$50,246,408$34,667,363$106,951,997
59$185,734,225$52,584,033$35,704,271$116,141,052
60$204,550,746$55,032,281$36,771,995$126,193,456
61$225,282,510$57,596,450$37,871,444$137,193,965
62$248,124,742$60,282,092$39,003,553$149,235,833
63$273,292,579$63,095,029$40,169,286$162,421,663
64$301,023,098$66,041,361$41,369,633$176,864,359
65$331,577,552$69,127,486$42,605,614$192,688,166
66$365,243,839$72,360,109$43,878,278$210,029,819
67$402,339,216$75,746,260$45,188,706$229,039,811
68$443,213,298$79,293,308$46,538,010$249,883,781
69$488,251,353$83,008,979$47,927,332$272,744,057
70$537,877,945$86,901,373$49,357,851$297,821,344
71$592,560,935$90,978,980$50,830,779$325,336,587
72$652,815,903$95,250,702$52,347,362$355,533,029
73$719,211,010$99,725,872$53,908,884$388,678,470
74$792,372,366$104,414,273$55,516,665$425,067,762
75$872,989,939$109,326,164$57,172,065$465,025,556
76$961,824,065$114,472,298$58,876,482$508,909,325
77$1,059,712,631$119,863,952$60,631,354$557,112,703
78$1,167,578,979$125,512,945$62,438,165$610,069,156
79$1,286,440,628$131,431,673$64,298,436$668,256,031
80$1,417,418,876$137,633,128$66,213,738$732,199,015
81$1,561,749,386$144,130,937$68,185,683$802,477,049
82$1,720,793,853$150,939,382$70,215,933$879,727,745
83$1,896,052,855$158,073,440$72,306,195$964,653,349
84$2,089,180,023$165,548,816$74,458,230$1,058,027,317
85$2,301,997,651$173,381,973$76,673,846$1,160,701,556
86$2,536,513,896$181,590,174$78,954,904$1,273,614,408
87$2,794,941,741$190,191,521$81,303,322$1,397,799,443
88$3,079,719,885$199,204,992$83,721,069$1,534,395,147
89$3,393,535,763$208,650,486$86,210,174$1,684,655,604
90$3,739,350,921$218,548,870$88,772,725$1,849,962,258
91$4,120,428,972$228,922,021$91,410,869$2,031,836,879
92$4,540,366,408$239,792,882$94,126,814$2,231,955,848
93$5,003,126,553$251,185,505$96,922,834$2,452,165,897
94$5,513,076,981$263,125,114$99,801,268$2,694,501,455
95$6,075,030,746$275,638,157$102,764,523$2,961,203,764
96$6,694,291,821$288,752,366$105,815,074$3,254,741,936
97$7,376,705,177$302,496,821$108,955,469$3,577,836,163
98$8,128,711,955$316,902,016$112,188,327$3,933,483,288
99$8,957,410,285$331,999,925$115,516,347$4,324,984,989
100$9,870,622,290$347,824,078$118,942,301$4,755,978,828