Can I retire at age 35 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,365,068
2 years$715,413$702,089$689,176$676,656$664,512$634,031
3 years$472,204$458,823$445,942$433,540$421,594$391,989
4 years$350,624$337,283$324,532$312,341$300,684$272,185
5 years$277,695$264,434$251,850$239,908$228,575$201,262
6 years$229,091$215,930$203,532$191,856$180,864$154,765
7 years$194,388$181,338$169,136$157,736$147,091$122,211
8 years$168,372$155,440$143,441$132,321$122,026$98,357
9 years$148,149$135,339$123,546$112,708$102,763$80,288
10 years$131,979$119,294$107,710$97,155$87,560$66,254
11 years$118,758$106,201$94,826$84,554$75,304$55,141
12 years$107,749$95,320$84,156$74,165$65,257$46,205
13 years$98,440$86,142$75,188$65,477$56,905$38,931
14 years$90,468$78,300$67,556$58,123$49,883$32,950
15 years$83,566$71,529$60,994$51,836$43,921$27,992
16 years$77,532$65,626$55,300$46,413$38,817$23,853
17 years$72,213$60,439$50,321$41,702$34,418$20,379
18 years$67,491$55,849$45,937$37,582$30,603$17,449
19 years$63,271$51,760$42,053$33,958$27,277$14,967
20 years$59,477$48,098$38,594$30,756$24,364$12,859
21 years$56,049$44,801$35,499$27,913$21,803$11,062
22 years$52,937$41,820$32,718$25,379$19,544$9,527
23 years$50,100$39,114$30,209$23,113$17,544$8,213
24 years$47,503$36,647$27,938$21,081$15,769$7,087
25 years$45,118$34,391$25,877$19,252$14,189$6,119
26 years$42,919$32,322$23,999$17,603$12,781$5,286
27 years$40,887$30,419$22,285$16,113$11,523$4,569
28 years$39,004$28,664$20,717$14,763$10,398$3,952
29 years$37,253$27,041$19,279$13,538$9,389$3,419
30 years$35,622$25,537$17,958$12,424$8,483$2,959
31 years$34,100$24,141$16,741$11,411$7,670$2,561
32 years$32,675$22,843$15,620$10,487$6,938$2,218
33 years$31,340$21,632$14,585$9,643$6,279$1,921
34 years$30,086$20,502$13,627$8,873$5,685$1,664
35 years$28,906$19,446$12,740$8,168$5,149$1,441
36 years$27,794$18,457$11,918$7,522$4,665$1,249
37 years$26,745$17,530$11,155$6,931$4,228$1,082
38 years$25,753$16,660$10,446$6,388$3,833$938
39 years$24,815$15,842$9,787$5,890$3,476$813
40 years$23,925$15,072$9,173$5,433$3,153$705
41 years$23,082$14,347$8,602$5,013$2,860$611
42 years$22,280$13,664$8,069$4,626$2,596$530
43 years$21,518$13,019$7,571$4,270$2,356$459
44 years$20,792$12,410$7,107$3,943$2,138$398
45 years$20,101$11,834$6,673$3,641$1,941$345
46 years$19,442$11,289$6,268$3,364$1,762$299
47 years$18,813$10,773$5,888$3,108$1,600$260
48 years$18,211$10,285$5,534$2,872$1,453$225
49 years$17,636$9,821$5,201$2,654$1,320$195
50 years$17,086$9,382$4,890$2,453$1,199$169

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,500,000, adding $3,431 every year, while hoping to spend $56,336 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: 36/35/29 Blend
34$17,500,000$17,500,000$17,500,000$17,500,000
35$19,288,539$18,361,039$18,089,789$19,814,961
36$21,196,029$19,200,789$18,635,856$21,047,715
37$23,296,195$20,079,798$19,198,328$22,372,323
38$25,608,630$20,999,932$19,777,695$23,801,308
39$28,154,924$21,963,143$20,374,462$25,344,104
40$30,958,868$22,971,478$20,989,148$27,011,058
41$34,046,677$24,027,085$21,622,289$28,813,517
42$37,447,238$25,132,212$22,274,436$30,763,933
43$41,192,382$26,289,216$22,946,154$32,875,969
44$45,317,184$27,500,567$23,638,030$35,164,623
45$49,860,296$28,768,854$24,350,663$37,646,359
46$54,864,310$30,096,791$25,084,674$40,339,256
47$60,376,158$31,487,222$25,840,699$43,263,169
48$66,447,559$32,943,129$26,619,395$46,439,907
49$73,135,503$34,467,636$27,421,439$49,893,430
50$80,502,792$36,064,018$28,247,524$53,650,062
51$88,618,630$37,735,707$29,098,369$57,738,734
52$97,559,276$39,486,303$29,974,711$62,191,243
53$107,408,767$41,319,577$30,877,309$67,042,539
54$118,259,708$43,239,482$31,806,945$72,331,046
55$130,214,144$45,250,163$32,764,423$78,099,012
56$143,384,529$47,355,964$33,750,574$84,392,893
57$157,894,783$49,561,438$34,766,250$91,263,777
58$173,881,461$51,871,358$35,812,330$98,767,855
59$191,495,044$54,290,729$36,889,717$106,966,935
60$210,901,360$56,824,796$37,999,344$115,929,008
61$232,283,146$59,479,058$39,142,169$125,728,876
62$255,841,773$62,259,279$40,319,178$136,448,841
63$281,799,152$65,171,501$41,531,388$148,179,462
64$310,399,821$68,222,060$42,779,846$161,020,391
65$341,913,259$71,417,597$44,065,627$175,081,297
66$376,636,426$74,765,074$45,389,840$190,482,880
67$414,896,569$78,271,790$46,753,627$207,357,986
68$457,054,308$81,945,397$48,158,162$225,852,843
69$503,507,042$85,793,916$49,604,655$246,128,416
70$554,692,701$89,825,759$51,094,352$268,361,900
71$611,093,877$94,049,742$52,628,534$292,748,372
72$673,242,383$98,475,109$54,208,520$319,502,601
73$741,724,269$103,111,553$55,835,668$348,861,053
74$817,185,360$107,969,234$57,511,378$381,084,088
75$900,337,346$113,058,806$59,237,089$416,458,392
76$991,964,506$118,391,438$61,014,282$455,299,649
77$1,092,931,107$123,978,840$62,844,482$497,955,487
78$1,204,189,568$129,833,292$64,729,260$544,808,730
79$1,326,789,446$135,967,665$66,670,232$596,280,969
80$1,461,887,346$142,395,457$68,669,062$652,836,507
81$1,610,757,842$149,130,821$70,727,462$714,986,702
82$1,774,805,505$156,188,594$72,847,195$783,294,752
83$1,955,578,166$163,584,334$75,030,075$858,380,970
84$2,154,781,527$171,334,355$77,277,971$940,928,592
85$2,374,295,264$179,455,760$79,592,804$1,031,690,177
86$2,616,190,771$187,966,483$81,976,554$1,131,494,669
87$2,882,750,719$196,885,329$84,431,257$1,241,255,164
88$3,176,490,598$206,232,016$86,959,011$1,361,977,474
89$3,500,182,474$216,027,219$89,561,972$1,494,769,573
90$3,856,881,150$226,292,617$92,242,362$1,640,851,987
91$4,249,953,013$237,050,942$95,002,467$1,801,569,261
92$4,683,107,811$248,326,028$97,844,640$1,978,402,584
93$5,160,433,676$260,142,872$100,771,304$2,172,983,701
94$5,686,435,718$272,527,679$103,784,949$2,387,110,252
95$6,266,078,559$285,507,934$106,888,143$2,622,762,659
96$6,904,833,202$299,112,452$110,083,525$2,882,122,752
97$7,608,728,679$313,371,452$113,373,814$3,167,594,278
98$8,384,408,973$328,316,622$116,761,806$3,481,825,512
99$9,239,195,741$343,981,190$120,250,379$3,827,734,163
100$10,181,157,436$360,399,998$123,842,497$4,208,534,831