Can I retire at age 35 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,399,341
2 years$727,677$714,125$700,990$688,256$675,903$655,736
3 years$480,299$466,688$453,587$440,972$428,821$409,169
4 years$356,634$343,065$330,095$317,696$305,839$286,854
5 years$282,455$268,967$256,167$244,021$232,494$214,231
6 years$233,018$219,632$207,021$195,145$183,964$166,446
7 years$197,720$184,447$172,036$160,440$149,612$132,844
8 years$171,259$158,105$145,900$134,589$124,118$108,097
9 years$150,688$137,659$125,664$114,640$104,525$89,244
10 years$134,242$121,339$109,556$98,821$89,061$74,508
11 years$120,794$108,021$96,452$86,004$76,595$62,757
12 years$109,596$96,954$85,598$75,437$66,376$53,236
13 years$100,128$87,618$76,477$66,599$57,881$45,422
14 years$92,019$79,643$68,715$59,119$50,738$38,940
15 years$84,998$72,755$62,040$52,724$44,674$33,516
16 years$78,861$66,751$56,248$47,209$39,483$28,944
17 years$73,451$61,475$51,184$42,417$35,008$25,067
18 years$68,648$56,806$46,724$38,226$31,128$21,761
19 years$64,355$52,647$42,774$34,540$27,745$18,930
20 years$60,497$48,922$39,256$31,283$24,782$16,496
21 years$57,010$45,569$36,108$28,391$22,177$14,397
22 years$53,845$42,537$33,279$25,814$19,879$12,582
23 years$50,959$39,784$30,727$23,510$17,844$11,008
24 years$48,317$37,275$28,417$21,442$16,039$9,640
25 years$45,891$34,981$26,320$19,582$14,433$8,450
26 years$43,655$32,876$24,411$17,905$13,000$7,412
27 years$41,588$30,941$22,667$16,389$11,721$6,506
28 years$39,672$29,155$21,072$15,016$10,576$5,713
29 years$37,892$27,505$19,610$13,770$9,550$5,020
30 years$36,233$25,975$18,266$12,637$8,629$4,413
31 years$34,684$24,555$17,028$11,606$7,801$3,881
32 years$33,235$23,234$15,888$10,666$7,057$3,414
33 years$31,877$22,003$14,835$9,809$6,386$3,004
34 years$30,602$20,854$13,861$9,025$5,782$2,644
35 years$29,401$19,780$12,959$8,308$5,237$2,328
36 years$28,271$18,774$12,122$7,651$4,745$2,050
37 years$27,203$17,831$11,346$7,050$4,301$1,805
38 years$26,195$16,946$10,625$6,498$3,899$1,590
39 years$25,240$16,114$9,955$5,991$3,536$1,401
40 years$24,335$15,331$9,331$5,526$3,207$1,234
41 years$23,477$14,593$8,749$5,099$2,909$1,087
42 years$22,662$13,898$8,207$4,705$2,640$958
43 years$21,887$13,242$7,701$4,344$2,396$845
44 years$21,149$12,623$7,229$4,011$2,175$744
45 years$20,446$12,037$6,788$3,704$1,974$656
46 years$19,775$11,483$6,375$3,421$1,793$578
47 years$19,135$10,958$5,989$3,161$1,628$510
48 years$18,524$10,461$5,628$2,921$1,478$449
49 years$17,939$9,990$5,290$2,699$1,343$396
50 years$17,379$9,542$4,974$2,495$1,220$349

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,800,000, adding $2,110 every year, while hoping to spend $40,620 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: 85/8/7 Blend
34$17,800,000$17,800,000$17,800,000$17,800,000
35$19,617,776$18,674,376$18,398,476$21,273,960
36$21,575,570$19,546,202$18,971,606$23,226,673
37$23,731,698$20,459,385$19,562,574$25,365,832
38$26,106,346$21,415,909$20,171,935$27,714,651
39$28,721,759$22,417,855$20,800,261$30,294,183
40$31,602,451$23,467,403$21,448,142$33,127,615
41$34,775,432$24,566,836$22,116,186$36,240,484
42$38,270,468$25,718,553$22,805,020$39,660,917
43$42,120,357$26,925,063$23,515,289$43,419,895
44$46,361,243$28,189,001$24,247,661$47,551,544
45$51,032,955$29,513,127$25,002,823$52,093,451
46$56,179,381$30,900,336$25,781,483$57,087,023
47$61,848,887$32,353,661$26,584,372$62,577,870
48$68,094,768$33,876,284$27,412,242$68,616,235
49$74,975,753$35,471,541$28,265,871$75,257,467
50$82,556,561$37,142,928$29,146,059$82,562,539
51$90,908,510$38,894,111$30,053,632$90,598,623
52$100,110,190$40,728,934$30,989,440$99,439,717
53$110,248,205$42,651,428$31,954,362$109,167,347
54$121,417,991$44,665,817$32,949,302$119,871,326
55$133,724,716$46,776,532$33,975,194$131,650,606
56$147,284,272$48,988,218$35,032,998$144,614,202
57$162,224,372$51,305,744$36,123,708$158,882,224
58$178,685,751$53,734,219$37,248,345$174,587,000
59$196,823,498$56,278,995$38,407,965$191,874,327
60$216,808,516$58,945,687$39,603,653$210,904,843
61$238,829,140$61,740,181$40,836,530$231,855,534
62$263,092,911$64,668,650$42,107,753$254,921,407
63$289,828,538$67,737,563$43,418,513$280,317,323
64$319,288,054$70,953,709$44,770,038$308,280,019
65$351,749,196$74,324,201$46,163,595$339,070,341
66$387,518,028$77,856,501$47,600,489$372,975,699
67$426,931,829$81,558,431$49,082,068$410,312,778
68$470,362,276$85,438,196$50,609,718$451,430,517
69$518,218,957$89,504,396$52,184,872$496,713,401
70$570,953,230$93,766,051$53,809,005$546,585,084
71$629,062,492$98,232,620$55,483,639$601,512,378
72$693,094,867$102,914,019$57,210,342$662,009,660
73$763,654,386$107,820,649$58,990,731$728,643,715
74$841,406,688$112,963,415$60,826,475$802,039,082
75$927,085,300$118,353,752$62,719,292$882,883,942
76$1,021,498,567$124,003,652$64,670,955$971,936,607
77$1,125,537,281$129,925,691$66,683,291$1,070,032,667
78$1,240,183,087$136,133,054$68,758,185$1,178,092,876
79$1,366,517,758$142,639,569$70,897,580$1,297,131,828
80$1,505,733,398$149,459,737$73,103,479$1,428,267,534
81$1,659,143,706$156,608,765$75,377,946$1,572,731,957
82$1,828,196,368$164,102,598$77,723,111$1,731,882,639
83$2,014,486,731$171,957,960$80,141,169$1,907,215,506
84$2,219,772,863$180,192,385$82,634,384$2,100,378,975
85$2,445,992,148$188,824,265$85,205,089$2,313,189,505
86$2,695,279,577$197,872,884$87,855,689$2,547,648,736
87$2,969,987,906$207,358,467$90,588,666$2,805,962,371
88$3,272,709,863$217,302,222$93,406,577$3,090,560,985
89$3,606,302,629$227,726,392$96,312,058$3,404,122,958
90$3,973,914,814$238,654,302$99,307,828$3,749,599,746
91$4,379,016,175$250,110,412$102,396,690$4,130,243,726
92$4,825,430,379$262,120,377$105,581,534$4,549,638,892
93$5,317,371,100$274,711,098$108,865,338$5,011,734,664
94$5,859,481,800$287,910,789$112,251,175$5,520,883,165
95$6,456,879,565$301,749,039$115,742,210$6,081,880,281
96$7,115,203,417$316,256,878$119,341,710$6,700,010,926
97$7,840,667,549$331,466,849$123,053,041$7,381,098,908
98$8,640,119,993$347,413,079$126,879,673$8,131,561,898
99$9,521,107,275$364,131,362$130,825,184$8,958,471,987
100$10,491,945,653$381,659,235$134,893,263$9,869,622,432