Can I retire at age 35 with 17,700,000?

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 $17,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,397,264
2 years$723,589$710,113$697,052$684,389$672,106$657,846
3 years$477,601$464,066$451,039$438,495$426,412$412,492
4 years$354,631$341,138$328,241$315,911$304,120$290,648
5 years$280,868$267,456$254,728$242,650$231,188$218,202
6 years$231,709$218,398$205,858$194,049$182,931$170,449
7 years$196,609$183,410$171,069$159,538$148,772$136,798
8 years$170,296$157,217$145,080$133,833$123,420$111,955
9 years$149,842$136,885$124,958$113,996$103,938$92,976
10 years$133,487$120,658$108,941$98,265$88,560$78,096
11 years$120,115$107,415$95,910$85,520$76,165$66,189
12 years$108,980$96,409$85,118$75,013$66,003$56,505
13 years$99,565$87,126$76,047$66,225$57,556$48,526
14 years$91,502$79,195$68,328$58,787$50,453$41,879
15 years$84,521$72,346$61,691$52,428$44,423$36,291
16 years$78,418$66,376$55,932$46,944$39,261$31,558
17 years$73,038$61,130$50,896$42,178$34,812$27,523
18 years$68,262$56,487$46,462$38,011$30,953$24,065
19 years$63,994$52,351$42,533$34,346$27,589$21,087
20 years$60,157$48,648$39,035$31,107$24,643$18,512
21 years$56,690$45,313$35,905$28,232$22,053$16,278
22 years$53,542$42,298$33,092$25,669$19,767$14,334
23 years$50,673$39,561$30,554$23,377$17,744$12,637
24 years$48,046$37,066$28,258$21,322$15,949$11,153
25 years$45,633$34,784$26,172$19,472$14,351$9,853
26 years$43,410$32,692$24,273$17,804$12,927$8,711
27 years$41,355$30,767$22,540$16,297$11,655$7,707
28 years$39,449$28,991$20,954$14,931$10,517$6,824
29 years$37,679$27,350$19,499$13,692$9,496$6,045
30 years$36,030$25,829$18,163$12,566$8,580$5,357
31 years$34,490$24,417$16,933$11,541$7,757$4,750
32 years$33,049$23,104$15,799$10,606$7,017$4,213
33 years$31,698$21,879$14,751$9,753$6,351$3,738
34 years$30,430$20,737$13,783$8,974$5,750$3,318
35 years$29,236$19,669$12,886$8,261$5,208$2,946
36 years$28,112$18,668$12,054$7,608$4,718$2,616
37 years$27,050$17,731$11,283$7,010$4,277$2,323
38 years$26,047$16,850$10,566$6,461$3,877$2,064
39 years$25,098$16,023$9,899$5,958$3,516$1,834
40 years$24,199$15,245$9,278$5,495$3,189$1,630
41 years$23,345$14,511$8,700$5,070$2,893$1,448
42 years$22,535$13,820$8,161$4,679$2,625$1,287
43 years$21,764$13,168$7,658$4,319$2,383$1,144
44 years$21,030$12,552$7,188$3,988$2,163$1,017
45 years$20,331$11,969$6,750$3,683$1,963$905
46 years$19,664$11,418$6,339$3,402$1,783$804
47 years$19,028$10,896$5,956$3,143$1,619$715
48 years$18,419$10,402$5,597$2,904$1,470$636
49 years$17,838$9,933$5,261$2,684$1,335$566
50 years$17,281$9,489$4,946$2,481$1,213$503

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,700,000, adding $4,383 every year, while hoping to spend $24,948 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: 64/13/23 Blend
34$17,700,000$17,700,000$17,700,000$17,700,000
35$19,509,921$18,571,821$18,297,471$20,641,638
36$21,473,389$19,455,296$18,883,892$22,288,772
37$23,636,294$20,381,225$19,489,122$24,084,427
38$26,018,952$21,351,662$20,113,764$26,045,756
39$28,643,753$22,368,760$20,758,442$28,188,991
40$31,535,365$23,434,779$21,423,800$30,531,992
41$34,720,975$24,552,086$22,110,500$33,094,414
42$38,230,541$25,723,165$22,819,228$35,897,886
43$42,097,076$26,950,619$23,550,692$38,966,216
44$46,356,958$28,237,180$24,305,620$42,325,607
45$51,050,277$29,585,711$25,084,768$46,004,902
46$56,221,208$30,999,214$25,888,911$50,035,853
47$61,918,435$32,480,839$26,718,853$54,453,414
48$68,195,603$34,033,887$27,575,421$59,296,067
49$75,111,828$35,661,822$28,459,472$64,606,184
50$82,732,257$37,368,274$29,371,887$70,430,414
51$91,128,679$39,157,051$30,313,577$76,820,125
52$100,380,205$41,032,147$31,285,483$83,831,880
53$110,574,013$42,997,749$32,288,573$91,527,967
54$121,806,173$45,058,250$33,323,851$99,976,978
55$134,182,552$47,218,253$34,392,349$109,254,454
56$147,819,814$49,482,589$35,495,135$119,443,587
57$162,846,522$51,856,323$36,633,309$130,636,002
58$179,404,350$54,344,766$37,808,008$142,932,616
59$197,649,423$56,953,489$39,020,405$156,444,577
60$217,753,787$59,688,333$40,271,711$171,294,310
61$239,907,036$62,555,423$41,563,176$187,616,666
62$264,318,100$65,561,186$42,896,090$205,560,182
63$291,217,221$68,712,358$44,271,783$225,288,476
64$320,858,119$72,016,006$45,691,630$246,981,786
65$353,520,397$75,479,540$47,157,049$270,838,655
66$389,512,172$79,110,732$48,669,505$297,077,801
67$429,172,988$82,917,732$50,230,508$325,940,168
68$472,877,020$86,909,089$51,841,617$357,691,192
69$521,036,608$91,093,766$53,504,443$392,623,291
70$574,106,147$95,481,165$55,220,646$431,058,620
71$632,586,378$100,081,146$56,991,942$473,352,093
72$697,029,118$104,904,051$58,820,101$519,894,727
73$768,042,463$109,960,725$60,706,950$571,117,314
74$846,296,535$115,262,541$62,654,373$627,494,476
75$932,529,805$120,821,430$64,664,319$689,549,132
76$1,027,556,066$126,649,901$66,738,794$757,857,418
77$1,132,272,115$132,761,076$68,879,874$833,054,108
78$1,247,666,218$139,168,716$71,089,697$915,838,594
79$1,374,827,445$145,887,255$73,370,474$1,006,981,467
80$1,514,955,943$152,931,829$75,724,484$1,107,331,774
81$1,669,374,275$160,318,315$78,154,080$1,217,825,018
82$1,839,539,901$168,063,362$80,661,692$1,339,491,962
83$2,027,058,938$176,184,435$83,249,826$1,473,468,348
84$2,233,701,326$184,699,848$85,921,071$1,621,005,591
85$2,461,417,531$193,628,811$88,678,097$1,783,482,573
86$2,712,356,968$202,991,471$91,523,662$1,962,418,633
87$2,988,888,285$212,808,959$94,460,611$2,159,487,891
88$3,293,621,730$223,103,438$97,491,881$2,376,535,024
89$3,629,433,792$233,898,152$100,620,504$2,615,592,653
90$3,999,494,357$245,217,480$103,849,610$2,878,900,503
91$4,407,296,637$257,086,992$107,182,427$3,168,926,522
92$4,856,690,147$269,533,507$110,622,291$3,488,390,145
93$5,351,917,045$282,585,152$114,172,641$3,840,287,938
94$5,897,652,189$296,271,430$117,837,030$4,227,921,850
95$6,499,047,265$310,623,283$121,619,124$4,654,930,355
96$7,161,779,428$325,673,166$125,522,706$5,125,322,762
97$7,892,104,895$341,455,116$129,551,682$5,643,517,026
98$8,696,918,015$358,004,838$133,710,084$6,214,381,422
99$9,583,816,353$375,359,776$138,002,073$6,843,280,456
100$10,561,172,422$393,559,206$142,431,943$7,536,125,471