Can I retire at age 35 with 17,900,000?

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 $17,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,371,280
2 years$731,765$718,137$704,928$692,122$679,701$623,876
3 years$482,997$469,310$456,135$443,449$431,230$377,430
4 years$358,638$344,993$331,950$319,480$307,557$256,191
5 years$284,042$270,478$257,607$245,392$233,800$184,998
6 years$234,327$220,866$208,184$196,242$184,998$138,793
7 years$198,831$185,483$173,002$161,341$150,453$106,828
8 years$172,221$158,993$146,720$135,345$124,815$83,728
9 years$151,535$138,432$126,370$115,284$105,112$66,500
10 years$134,996$122,021$110,172$99,376$89,561$53,350
11 years$121,473$108,628$96,994$86,487$77,025$43,132
12 years$110,211$97,499$86,079$75,860$66,749$35,082
13 years$100,690$88,110$76,906$66,973$58,206$28,671
14 years$92,536$80,090$69,101$59,452$51,023$23,522
15 years$85,476$73,164$62,388$53,020$44,925$19,357
16 years$79,304$67,126$56,564$47,474$39,705$15,970
17 years$73,864$61,821$51,471$42,655$35,205$13,202
18 years$69,033$57,125$46,987$38,441$31,303$10,932
19 years$64,717$52,943$43,014$34,734$27,901$9,065
20 years$60,836$49,197$39,476$31,459$24,921$7,525
21 years$57,330$45,825$36,310$28,551$22,302$6,253
22 years$54,147$42,776$33,466$25,959$19,990$5,200
23 years$51,245$40,008$30,900$23,642$17,945$4,327
24 years$48,589$37,485$28,577$21,562$16,129$3,602
25 years$46,149$35,177$26,468$19,692$14,514$3,000
26 years$43,900$33,061$24,548$18,005$13,073$2,500
27 years$41,822$31,114$22,795$16,481$11,787$2,083
28 years$39,895$29,319$21,191$15,100$10,635$1,737
29 years$38,105$27,659$19,720$13,847$9,603$1,448
30 years$36,437$26,121$18,368$12,708$8,677$1,208
31 years$34,879$24,693$17,124$11,671$7,845$1,007
32 years$33,422$23,365$15,977$10,726$7,096$840
33 years$32,056$22,127$14,918$9,864$6,422$701
34 years$30,773$20,971$13,938$9,075$5,815$585
35 years$29,567$19,891$13,031$8,354$5,267$488
36 years$28,429$18,879$12,191$7,694$4,772$407
37 years$27,356$17,931$11,410$7,089$4,325$340
38 years$26,342$17,041$10,685$6,534$3,921$284
39 years$25,382$16,204$10,011$6,025$3,556$237
40 years$24,472$15,417$9,383$5,557$3,225$198
41 years$23,609$14,675$8,798$5,127$2,926$165
42 years$22,789$13,976$8,253$4,732$2,655$138
43 years$22,010$13,317$7,745$4,368$2,409$115
44 years$21,268$12,694$7,270$4,033$2,187$96
45 years$20,561$12,104$6,826$3,725$1,985$80
46 years$19,886$11,547$6,411$3,441$1,803$67
47 years$19,243$11,020$6,023$3,179$1,637$56
48 years$18,628$10,520$5,660$2,937$1,487$47
49 years$18,039$10,046$5,320$2,714$1,350$39
50 years$17,477$9,596$5,002$2,509$1,226$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $17,900,000, adding $4,800 every year, while hoping to spend $32,013 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: 58/34/8 Blend
34$17,900,000$17,900,000$17,900,000$17,900,000
35$19,730,751$18,782,051$18,504,601$20,839,485
36$21,709,226$19,668,310$19,090,444$22,471,640
37$23,888,433$20,596,923$19,694,839$24,245,757
38$26,288,812$21,569,931$20,318,375$26,178,657
39$28,932,888$22,589,474$20,961,658$28,285,551
40$31,845,482$23,657,798$21,625,313$30,583,156
41$35,053,946$24,777,255$22,309,986$33,089,848
42$38,588,420$25,950,313$23,016,342$35,825,825
43$42,482,119$27,179,558$23,745,069$38,813,297
44$46,771,641$28,467,703$24,496,876$42,076,682
45$51,497,320$29,817,592$25,272,492$45,642,834
46$56,703,600$31,232,207$26,072,674$49,541,287
47$62,439,457$32,714,675$26,898,199$53,804,523
48$68,758,863$34,268,275$27,749,869$58,468,276
49$75,721,291$35,896,444$28,628,514$63,571,853
50$83,392,281$37,602,788$29,534,987$69,158,501
51$91,844,055$39,391,087$30,470,171$75,275,803
52$101,156,203$41,265,304$31,434,976$81,976,117
53$111,416,427$43,229,595$32,430,339$89,317,061
54$122,721,375$45,288,318$33,457,228$97,362,042
55$135,177,554$47,446,044$34,516,644$106,180,848
56$148,902,329$49,707,565$35,609,616$115,850,287
57$164,025,035$52,077,905$36,737,207$126,454,908
58$180,688,200$54,562,333$37,900,514$138,087,776
59$199,048,885$57,166,376$39,100,670$150,851,345
60$219,280,170$59,895,827$40,338,841$164,858,403
61$241,572,788$62,756,763$41,616,233$180,233,126
62$266,136,922$65,755,555$42,934,087$197,112,230
63$293,204,196$68,898,884$44,293,686$215,646,249
64$323,029,852$72,193,758$45,696,353$236,000,933
65$355,895,169$75,647,524$47,143,453$258,358,795
66$392,110,110$79,267,887$48,636,393$282,920,819
67$432,016,255$83,062,927$50,176,625$309,908,330
68$475,990,021$87,041,118$51,765,650$339,565,064
69$524,446,216$91,211,345$53,405,012$372,159,449
70$577,841,957$95,582,928$55,096,307$407,987,110
71$636,680,984$100,165,639$56,841,180$447,373,640
72$701,518,414$104,969,725$58,641,330$490,677,643
73$772,965,986$110,005,935$60,498,508$538,294,097
74$851,697,830$115,285,539$62,414,521$590,658,047
75$938,456,835$120,820,357$64,391,235$648,248,689
76$1,034,061,662$126,622,785$66,430,571$711,593,859
77$1,139,414,472$132,705,822$68,534,516$781,274,982
78$1,255,509,442$139,083,101$70,705,116$857,932,529
79$1,383,442,152$145,768,920$72,944,484$942,272,025
80$1,524,419,926$152,778,272$75,254,799$1,035,070,671
81$1,679,773,234$160,126,883$77,638,310$1,137,184,646
82$1,850,968,248$167,831,243$80,097,337$1,249,557,140
83$2,039,620,684$175,908,649$82,634,273$1,373,227,223
84$2,247,511,059$184,377,239$85,251,587$1,509,339,604
85$2,476,601,499$193,256,035$87,951,826$1,659,155,390
86$2,729,054,258$202,564,987$90,737,619$1,824,063,941
87$3,007,252,141$212,325,020$93,611,678$2,005,595,937
88$3,313,820,990$222,558,076$96,576,799$2,205,437,770
89$3,651,654,479$233,287,170$99,635,870$2,425,447,408
90$4,023,941,432$244,536,438$102,791,868$2,667,671,875
91$4,434,195,927$256,331,192$106,047,865$2,934,366,510
92$4,886,290,473$268,697,983$109,407,030$3,228,016,200
93$5,384,492,570$281,664,652$112,872,634$3,551,358,759
94$5,933,504,996$295,260,404$116,448,051$3,907,410,710
95$6,538,510,206$309,515,864$120,136,761$4,299,495,684
96$7,205,219,260$324,463,154$123,942,355$4,731,275,715
97$7,939,925,739$340,135,963$127,868,539$5,206,785,731
98$8,749,565,163$356,569,625$131,919,134$5,730,471,557
99$9,641,780,470$373,801,196$136,098,085$6,307,231,796
100$10,624,994,167$391,869,544$140,409,460$6,942,463,978