Can I retire at age 35 with 17,200,000?

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 $17,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$1,420,360$1,407,708$1,395,364$1,383,316$1,371,552$1,361,198
2 years$703,148$690,053$677,361$665,056$653,120$642,681
3 years$464,109$450,957$438,298$426,108$414,366$404,165
4 years$344,613$331,501$318,968$306,987$295,529$285,645
5 years$272,934$259,901$247,533$235,795$224,657$215,119
6 years$225,164$212,229$200,043$188,567$177,763$168,584
7 years$191,055$178,229$166,237$155,032$144,569$135,752
8 years$165,486$152,776$140,982$130,052$119,934$111,480
9 years$145,609$133,019$121,428$110,776$101,002$92,908
10 years$129,717$117,249$105,863$95,490$86,059$78,320
11 years$116,722$104,380$93,200$83,105$74,013$66,625
12 years$105,901$93,686$82,713$72,894$64,138$57,093
13 years$96,753$84,665$73,899$64,354$55,930$49,221
14 years$88,917$76,958$66,398$57,127$49,028$42,646
15 years$82,133$70,302$59,949$50,947$43,168$37,106
16 years$76,202$64,501$54,352$45,617$38,152$32,399
17 years$70,975$59,403$49,458$40,987$33,828$28,376
18 years$66,334$54,891$45,149$36,937$30,078$24,916
19 years$62,186$50,873$41,332$33,376$26,810$21,927
20 years$58,457$47,273$37,932$30,229$23,947$19,334
21 years$55,088$44,033$34,890$27,434$21,430$17,077
22 years$52,030$41,103$32,157$24,944$19,209$15,105
23 years$49,241$38,443$29,691$22,717$17,243$13,378
24 years$46,689$36,019$27,459$20,719$15,498$11,862
25 years$44,344$33,802$25,433$18,922$13,946$10,528
26 years$42,184$31,768$23,588$17,301$12,562$9,352
27 years$40,186$29,898$21,903$15,836$11,326$8,314
28 years$38,335$28,172$20,362$14,509$10,219$7,396
29 years$36,615$26,577$18,949$13,305$9,228$6,583
30 years$35,012$25,100$17,650$12,211$8,338$5,863
31 years$33,515$23,727$16,454$11,215$7,538$5,224
32 years$32,115$22,451$15,352$10,307$6,819$4,657
33 years$30,803$21,261$14,334$9,478$6,171$4,152
34 years$29,570$20,151$13,393$8,721$5,587$3,704
35 years$28,410$19,113$12,522$8,028$5,061$3,305
36 years$27,318$18,141$11,714$7,393$4,585$2,950
37 years$26,286$17,230$10,964$6,812$4,156$2,633
38 years$25,312$16,374$10,267$6,279$3,768$2,351
39 years$24,389$15,570$9,619$5,789$3,417$2,100
40 years$23,515$14,814$9,016$5,340$3,099$1,876
41 years$22,686$14,102$8,454$4,927$2,811$1,676
42 years$21,898$13,430$7,930$4,547$2,551$1,497
43 years$21,149$12,796$7,442$4,197$2,315$1,338
44 years$20,436$12,197$6,985$3,875$2,102$1,196
45 years$19,757$11,631$6,559$3,579$1,908$1,069
46 years$19,109$11,096$6,160$3,306$1,732$955
47 years$18,490$10,589$5,788$3,054$1,573$854
48 years$17,899$10,108$5,439$2,822$1,428$763
49 years$17,334$9,653$5,112$2,608$1,297$682
50 years$16,793$9,221$4,806$2,411$1,178$610

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,200,000, adding $2,981 every year, while hoping to spend $48,176 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: 76/11/13 Blend
34$17,200,000$17,200,000$17,200,000$17,200,000
35$18,957,475$18,045,875$17,779,275$20,348,044
36$20,839,878$18,878,864$18,323,622$22,098,590
37$22,912,673$19,751,055$18,884,590$24,010,749
38$25,195,226$20,664,317$19,462,684$26,105,630
39$27,708,882$21,620,612$20,058,427$28,401,405
40$30,477,159$22,621,993$20,672,355$30,918,080
41$33,525,972$23,670,613$21,305,022$33,677,684
42$36,883,879$24,768,731$21,956,998$36,704,470
43$40,582,347$25,918,711$22,628,870$40,025,147
44$44,656,053$27,123,034$23,321,243$43,669,122
45$49,143,207$28,384,300$24,034,742$47,668,784
46$54,085,917$29,705,233$24,770,008$52,059,798
47$59,530,581$31,088,690$25,527,704$56,881,443
48$65,528,330$32,537,666$26,308,512$62,176,978
49$72,135,506$34,055,298$27,113,134$67,994,050
50$79,414,198$35,644,879$27,942,295$74,385,134
51$87,432,825$37,309,856$28,796,739$81,408,032
52$96,266,780$39,053,845$29,677,237$89,126,409
53$105,999,146$40,880,638$30,584,579$97,610,391
54$116,721,478$42,794,209$31,519,582$106,937,227
55$128,534,666$44,798,722$32,483,085$117,192,006
56$141,549,888$46,898,546$33,475,955$128,468,465
57$155,889,661$49,098,259$34,499,084$140,869,861
58$171,688,994$51,402,661$35,553,390$154,509,945
59$189,096,664$53,816,785$36,639,822$169,514,029
60$208,276,622$56,345,905$37,759,353$186,020,164
61$229,409,536$58,995,553$38,912,991$204,180,439
62$252,694,501$61,771,528$40,101,769$224,162,407
63$278,350,917$64,679,909$41,326,754$246,150,665
64$306,620,556$67,727,070$42,589,046$270,348,586
65$337,769,851$70,919,695$43,889,778$296,980,236
66$372,092,405$74,264,789$45,230,114$326,292,479
67$409,911,765$77,769,699$46,611,258$358,557,302
68$451,584,477$81,442,126$48,034,447$394,074,374
69$497,503,450$85,290,146$49,500,957$433,173,868
70$548,101,664$89,322,226$51,012,102$476,219,568
71$603,856,262$93,547,243$52,569,235$523,612,297
72$665,293,047$97,974,505$54,173,751$575,793,687
73$732,991,454$102,613,771$55,827,087$633,250,346
74$807,590,011$107,475,274$57,530,724$696,518,434
75$889,792,374$112,569,745$59,286,185$766,188,721
76$980,373,965$117,908,432$61,095,041$842,912,147
77$1,080,189,296$123,503,131$62,958,912$927,405,964
78$1,190,180,033$129,366,213$64,879,463$1,020,460,484
79$1,311,383,884$135,510,645$66,858,414$1,122,946,540
80$1,444,944,401$141,950,028$68,897,531$1,235,823,685
81$1,592,121,771$148,698,620$70,998,640$1,360,149,242
82$1,754,304,713$155,771,374$73,163,616$1,497,088,269
83$1,933,023,591$163,183,969$75,394,394$1,647,924,546
84$2,129,964,858$170,952,844$77,692,967$1,814,072,676
85$2,346,986,979$179,095,239$80,061,387$1,997,091,428
86$2,586,137,977$187,629,231$82,501,769$2,198,698,430
87$2,849,674,763$196,573,776$85,016,291$2,420,786,373
88$3,140,084,449$205,948,751$87,607,197$2,665,440,858
89$3,460,107,823$215,775,001$90,276,798$2,934,960,067
90$3,812,765,226$226,074,381$93,027,476$3,231,876,437
91$4,201,385,066$236,869,813$95,861,684$3,558,980,552
92$4,629,635,240$248,185,331$98,781,947$3,919,347,464
93$5,101,557,763$260,046,139$101,790,870$4,316,365,697
94$5,621,606,923$272,478,669$104,891,133$4,753,769,221
95$6,194,691,342$285,510,637$108,085,499$5,235,672,672
96$6,826,220,308$299,171,106$111,376,811$5,766,610,176
97$7,522,154,847$313,490,558$114,768,002$6,351,578,122
98$8,289,064,001$328,500,956$118,262,090$6,996,082,309
99$9,134,186,844$344,235,817$121,862,185$7,706,189,893
100$10,065,500,823$360,730,294$125,571,490$8,488,586,632