Can I retire at age 35 with 17,400,000?

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 $17,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$1,436,876$1,424,077$1,411,590$1,399,402$1,387,500$1,355,610
2 years$711,325$698,077$685,238$672,789$660,714$628,762
3 years$469,506$456,201$443,394$431,063$419,184$388,167
4 years$348,620$335,356$322,677$310,556$298,966$269,123
5 years$276,108$262,923$250,411$238,537$227,269$198,684
6 years$227,782$214,697$202,369$190,760$179,830$152,533
7 years$193,277$180,302$168,170$156,834$146,250$120,245
8 years$167,410$154,552$142,621$131,564$121,329$96,605
9 years$147,302$134,565$122,840$112,064$102,176$78,716
10 years$131,225$118,613$107,094$96,600$87,059$64,837
11 years$118,079$105,594$94,284$84,071$74,874$53,859
12 years$107,133$94,775$83,675$73,741$64,884$45,043
13 years$97,878$85,649$74,758$65,103$56,580$37,876
14 years$89,951$77,853$67,170$57,791$49,598$31,991
15 years$83,088$71,120$60,646$51,539$43,670$27,120
16 years$77,089$65,251$54,984$46,148$38,596$23,061
17 years$71,800$60,094$50,034$41,463$34,221$19,660
18 years$67,105$55,529$45,674$37,367$30,428$16,796
19 years$62,909$51,464$41,813$33,764$27,121$14,375
20 years$59,137$47,823$38,373$30,580$24,225$12,323
21 years$55,729$44,545$35,296$27,753$21,679$10,576
22 years$52,635$41,581$32,531$25,234$19,432$9,088
23 years$49,814$38,890$30,036$22,981$17,443$7,816
24 years$47,232$36,438$27,779$20,960$15,678$6,728
25 years$44,860$34,195$25,729$19,142$14,108$5,795
26 years$42,674$32,138$23,862$17,502$12,708$4,995
27 years$40,654$30,245$22,158$16,020$11,457$4,307
28 years$38,781$28,500$20,599$14,678$10,338$3,715
29 years$37,040$26,886$19,169$13,460$9,335$3,206
30 years$35,419$25,391$17,855$12,353$8,435$2,768
31 years$33,905$24,003$16,646$11,345$7,626$2,390
32 years$32,489$22,712$15,531$10,427$6,898$2,065
33 years$31,161$21,509$14,501$9,588$6,243$1,784
34 years$29,914$20,385$13,549$8,822$5,652$1,541
35 years$28,741$19,335$12,667$8,121$5,119$1,332
36 years$27,635$18,352$11,850$7,479$4,639$1,151
37 years$26,592$17,430$11,091$6,891$4,204$995
38 years$25,606$16,565$10,387$6,352$3,811$860
39 years$24,673$15,751$9,731$5,857$3,456$744
40 years$23,789$14,986$9,121$5,402$3,135$643
41 years$22,950$14,266$8,553$4,984$2,844$556
42 years$22,153$13,586$8,023$4,600$2,581$481
43 years$21,395$12,945$7,528$4,246$2,342$416
44 years$20,674$12,339$7,066$3,920$2,126$360
45 years$19,986$11,766$6,635$3,621$1,930$311
46 years$19,331$11,225$6,232$3,344$1,752$269
47 years$18,705$10,712$5,855$3,090$1,591$233
48 years$18,107$10,226$5,502$2,855$1,445$201
49 years$17,536$9,765$5,171$2,639$1,312$174
50 years$16,988$9,328$4,862$2,439$1,192$151

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,400,000, adding $4,624 every year, while hoping to spend $22,029 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: 20/50/30 Blend
34$17,400,000$17,400,000$17,400,000$17,400,000
35$19,179,570$18,257,370$17,987,670$19,379,982
36$21,112,447$19,128,542$18,566,818$20,444,034
37$23,241,740$20,041,664$19,164,629$21,577,654
38$25,587,459$20,998,767$19,781,706$22,788,017
39$28,171,655$22,001,982$20,418,669$24,081,294
40$31,018,630$23,053,545$21,076,160$25,464,212
41$34,155,159$24,155,798$21,754,841$26,944,106
42$37,610,753$25,311,200$22,455,396$28,528,981
43$41,417,928$26,522,327$23,178,529$30,227,575
44$45,612,518$27,791,882$23,924,971$32,049,429
45$50,234,009$29,122,698$24,695,472$34,004,965
46$55,325,917$30,517,749$25,490,809$36,105,573
47$60,936,192$31,980,151$26,311,783$38,363,706
48$67,117,677$33,513,172$27,159,221$40,792,980
49$73,928,602$35,120,239$28,033,977$43,408,292
50$81,433,137$36,804,948$28,936,933$46,225,943
51$89,701,995$38,571,068$29,868,997$49,263,778
52$98,813,100$40,422,552$30,831,111$52,541,337
53$108,852,325$42,363,546$31,824,242$56,080,021
54$119,914,300$44,398,398$32,849,392$59,903,276
55$132,103,307$46,531,667$33,907,595$64,036,800
56$145,534,261$48,768,136$34,999,916$68,508,757
57$160,333,800$51,112,819$36,127,457$73,350,031
58$176,641,475$53,570,975$37,291,355$78,594,490
59$194,611,073$56,148,120$38,492,783$84,279,285
60$214,412,063$58,850,038$39,732,951$90,445,176
61$236,231,199$61,682,796$41,013,111$97,136,895
62$260,274,285$64,652,756$42,334,554$104,403,536
63$286,768,111$67,766,591$43,698,611$112,298,999
64$315,962,603$71,031,298$45,106,658$120,882,462
65$348,133,172$74,454,216$46,560,115$130,218,917
66$383,583,325$78,043,041$48,060,449$140,379,748
67$422,647,522$81,805,848$49,609,171$151,443,373
68$465,694,335$85,751,101$51,207,844$163,495,951
69$513,129,932$89,887,679$52,858,082$176,632,157
70$565,401,905$94,224,895$54,561,547$190,956,042
71$623,003,500$98,772,515$56,319,960$206,581,973
72$686,478,271$103,540,783$58,135,093$223,635,671
73$756,425,214$108,540,441$60,008,778$242,255,358
74$833,504,419$113,782,756$61,942,905$262,593,013
75$918,443,304$119,279,545$63,939,427$284,815,762
76$1,012,043,481$125,043,203$66,000,357$309,107,407
77$1,115,188,322$131,086,726$68,127,776$335,670,104
78$1,228,851,305$137,423,749$70,323,830$364,726,225
79$1,354,105,195$144,068,570$72,590,735$396,520,395
80$1,492,132,181$151,036,186$74,930,780$431,321,742
81$1,644,235,029$158,342,324$77,346,327$469,426,378
82$1,811,849,386$166,003,483$79,839,814$511,160,130
83$1,996,557,334$174,036,964$82,413,757$556,881,542
84$2,200,102,320$182,460,913$85,070,756$606,985,195
85$2,424,405,623$191,294,364$87,813,493$661,905,354
86$2,671,584,488$200,557,279$90,644,737$722,119,987
87$2,943,972,116$210,270,597$93,567,346$788,155,202
88$3,244,139,692$220,456,276$96,584,272$860,590,120
89$3,574,920,657$231,137,350$99,698,562$940,062,257
90$3,939,437,460$242,337,976$102,913,359$1,027,273,446
91$4,341,131,036$254,083,492$106,231,912$1,122,996,367
92$4,783,793,292$266,400,473$109,657,571$1,228,081,734
93$5,271,602,905$279,316,793$113,193,797$1,343,466,220
94$5,809,164,773$292,861,688$116,844,161$1,470,181,186
95$6,401,553,491$307,065,822$120,612,352$1,609,362,300
96$7,054,361,256$321,961,356$124,502,174$1,762,260,132
97$7,773,750,666$337,582,025$128,517,559$1,930,251,830
98$8,566,512,900$353,963,210$132,662,564$2,114,853,985
99$9,440,131,832$371,142,023$136,941,375$2,317,736,808
100$10,402,854,684$389,157,388$141,358,317$2,540,739,743