Can I retire at age 35 with 17,300,000?

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 $17,300,000?

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$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,331,639
2 years$707,237$694,065$681,300$668,923$656,917$609,167
3 years$466,808$453,579$440,846$428,585$416,775$370,662
4 years$346,617$333,429$320,823$308,772$297,248$253,124
5 years$274,521$261,412$248,972$237,166$225,963$183,945
6 years$226,473$213,463$201,206$189,664$178,797$138,917
7 years$192,166$179,266$167,203$155,933$145,410$107,661
8 years$166,448$153,664$141,802$130,808$120,631$84,983
9 years$146,455$133,792$122,134$111,420$101,589$67,997
10 years$130,471$117,931$106,479$96,045$86,559$54,966
11 years$117,401$104,987$93,742$83,588$74,444$44,787
12 years$106,517$94,231$83,194$73,318$64,511$36,722
13 years$97,315$85,157$74,328$64,729$56,255$30,259
14 years$89,434$77,405$66,784$57,459$49,313$25,034
15 years$82,611$70,711$60,297$51,243$43,419$20,779
16 years$76,646$64,876$54,668$45,883$38,374$17,292
17 years$71,388$59,749$49,746$41,225$34,025$14,422
18 years$66,719$55,210$45,412$37,152$30,253$12,051
19 years$62,547$51,168$41,572$33,570$26,965$10,084
20 years$58,797$47,548$38,153$30,404$24,086$8,448
21 years$55,409$44,289$35,093$27,594$21,554$7,085
22 years$52,332$41,342$32,344$25,089$19,320$5,948
23 years$49,527$38,667$29,864$22,849$17,343$4,996
24 years$46,960$36,228$27,619$20,840$15,588$4,199
25 years$44,602$33,998$25,581$19,032$14,027$3,531
26 years$42,429$31,953$23,725$17,402$12,635$2,971
27 years$40,420$30,071$22,031$15,928$11,392$2,500
28 years$38,558$28,336$20,480$14,594$10,279$2,105
29 years$36,827$26,732$19,059$13,383$9,282$1,772
30 years$35,215$25,246$17,752$12,282$8,386$1,493
31 years$33,710$23,865$16,550$11,280$7,582$1,257
32 years$32,302$22,581$15,442$10,367$6,859$1,059
33 years$30,982$21,385$14,418$9,533$6,207$893
34 years$29,742$20,268$13,471$8,771$5,620$752
35 years$28,576$19,224$12,595$8,074$5,090$634
36 years$27,476$18,246$11,782$7,436$4,612$534
37 years$26,439$17,330$11,028$6,852$4,180$450
38 years$25,459$16,470$10,327$6,315$3,789$380
39 years$24,531$15,661$9,675$5,823$3,436$320
40 years$23,652$14,900$9,069$5,371$3,117$270
41 years$22,818$14,184$8,503$4,955$2,828$227
42 years$22,025$13,508$7,977$4,573$2,566$192
43 years$21,272$12,870$7,485$4,222$2,329$162
44 years$20,555$12,268$7,026$3,898$2,114$136
45 years$19,872$11,699$6,597$3,600$1,919$115
46 years$19,220$11,160$6,196$3,325$1,742$97
47 years$18,598$10,650$5,821$3,072$1,582$82
48 years$18,003$10,167$5,470$2,839$1,437$69
49 years$17,435$9,709$5,142$2,624$1,305$58
50 years$16,891$9,274$4,834$2,425$1,185$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,300,000, adding $6,844 every year, while hoping to spend $55,267 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: 56/19/25 Blend
34$17,300,000$17,300,000$17,300,000$17,300,000
35$19,071,660$18,154,760$17,886,610$20,008,852
36$20,958,165$18,985,539$18,427,007$21,483,188
37$23,035,242$19,855,175$18,983,656$23,082,283
38$25,322,270$20,765,512$19,557,042$24,823,384
39$27,840,604$21,718,484$20,147,665$26,720,185
40$30,613,775$22,716,119$20,756,042$28,787,745
41$33,667,713$23,760,542$21,382,702$31,042,625
42$37,030,989$24,853,978$22,028,192$33,503,043
43$40,735,089$25,998,761$22,693,075$36,189,040
44$44,814,705$27,197,338$23,377,930$39,122,662
45$49,308,068$28,452,270$24,083,353$42,328,168
46$54,257,305$29,766,246$24,809,960$45,832,250
47$59,708,839$31,142,080$25,558,382$49,664,281
48$65,713,823$32,582,725$26,329,271$53,856,585
49$72,328,629$34,091,275$27,123,297$58,444,741
50$79,615,373$35,670,970$27,941,151$63,467,905
51$87,642,505$37,325,212$28,783,544$68,969,183
52$96,485,454$39,057,562$29,651,207$74,996,022
53$106,227,343$40,871,754$30,544,894$81,600,657
54$116,959,766$42,771,704$31,465,382$88,840,594
55$128,783,658$44,761,514$32,413,469$96,779,148
56$141,810,249$46,845,486$33,389,978$105,486,029
57$156,162,107$49,028,128$34,395,755$115,037,996
58$171,974,303$51,314,167$35,431,674$125,519,570
59$189,395,677$53,708,557$36,498,630$137,023,823
60$208,590,252$56,216,491$37,597,550$149,653,252
61$229,738,774$58,843,416$38,729,384$163,520,730
62$253,040,424$61,595,038$39,895,113$178,750,565
63$278,714,692$64,477,340$41,095,745$195,479,665
64$307,003,457$67,496,596$42,332,319$213,858,816
65$338,173,262$70,659,381$43,605,903$234,054,093
66$372,517,833$73,972,590$44,917,600$256,248,421
67$410,360,854$77,443,449$46,268,541$280,643,283
68$452,059,019$81,079,535$47,659,895$307,460,616
69$498,005,399$84,888,792$49,092,862$336,944,886
70$548,633,155$88,879,549$50,568,678$369,365,384
71$604,419,626$93,060,535$52,088,617$405,018,755
72$665,890,831$97,440,905$53,653,990$444,231,781
73$733,626,443$102,030,256$55,266,145$487,364,449
74$808,265,251$106,838,650$56,926,472$534,813,335
75$890,511,199$111,876,636$58,636,401$587,015,328
76$981,140,024$117,155,274$60,397,404$644,451,738
77$1,081,006,585$122,686,161$62,210,995$707,652,817
78$1,191,052,929$128,481,455$64,078,736$777,202,748
79$1,312,317,186$134,553,904$66,002,231$853,745,139
80$1,445,943,368$140,916,875$67,983,135$937,989,074
81$1,593,192,170$147,584,380$70,023,149$1,030,715,786
82$1,755,452,871$154,571,115$72,124,024$1,132,786,009
83$1,934,256,449$161,892,485$74,287,564$1,245,148,078
84$2,131,290,035$169,564,645$76,515,626$1,368,846,853
85$2,348,412,839$177,604,533$78,810,120$1,505,033,561
86$2,587,673,702$186,029,908$81,173,012$1,654,976,633
87$2,851,330,440$194,859,394$83,606,328$1,820,073,645
88$3,141,871,157$204,112,516$86,112,152$2,001,864,488
89$3,462,037,735$213,809,749$88,692,629$2,202,045,868
90$3,814,851,719$223,972,562$91,349,967$2,422,487,291
91$4,203,642,842$234,623,466$94,086,439$2,665,248,676
92$4,632,080,462$245,786,066$96,904,385$2,932,599,767
93$5,104,208,200$257,485,114$99,806,213$3,227,041,521
94$5,624,482,117$269,746,564$102,794,401$3,551,329,674
95$6,197,812,780$282,597,633$105,871,501$3,908,500,723
96$6,829,611,625$296,066,859$109,040,138$4,301,900,538
97$7,525,842,044$310,184,168$112,303,016$4,735,215,912
98$8,293,075,682$324,980,942$115,662,916$5,212,509,313
99$9,138,554,480$340,490,087$119,122,702$5,738,257,187
100$10,070,259,046$356,746,109$122,685,321$6,317,392,165