Can I retire at age 35 with 6,000,000?

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 $6,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$495,474$491,061$486,755$482,552$478,448$460,193
2 years$245,284$240,716$236,289$231,996$227,833$209,655
3 years$161,899$157,311$152,895$148,642$144,546$127,019
4 years$120,214$115,640$111,268$107,088$103,092$86,348
5 years$95,210$90,663$86,349$82,254$78,369$62,452
6 years$78,545$74,033$69,782$65,779$62,010$46,931
7 years$66,647$62,173$57,990$54,081$50,431$36,185
8 years$57,728$53,294$49,180$45,367$41,837$28,411
9 years$50,794$46,402$42,359$38,643$35,233$22,607
10 years$45,250$40,901$36,929$33,310$30,020$18,171
11 years$40,717$36,412$32,512$28,990$25,819$14,719
12 years$36,942$32,681$28,853$25,428$22,374$11,996
13 years$33,751$29,534$25,779$22,449$19,510$9,825
14 years$31,018$26,846$23,162$19,928$17,103$8,077
15 years$28,651$24,524$20,912$17,772$15,059$6,661
16 years$26,582$22,500$18,960$15,913$13,309$5,508
17 years$24,759$20,722$17,253$14,298$11,801$4,563
18 years$23,140$19,148$15,750$12,885$10,492$3,787
19 years$21,693$17,746$14,418$11,643$9,352$3,147
20 years$20,392$16,491$13,232$10,545$8,354$2,619
21 years$19,217$15,360$12,171$9,570$7,475$2,181
22 years$18,150$14,338$11,218$8,701$6,701$1,818
23 years$17,177$13,410$10,357$7,925$6,015$1,516
24 years$16,287$12,565$9,579$7,228$5,406$1,265
25 years$15,469$11,791$8,872$6,601$4,865$1,056
26 years$14,715$11,082$8,228$6,035$4,382$882
27 years$14,018$10,429$7,641$5,524$3,951$737
28 years$13,373$9,828$7,103$5,061$3,565$616
29 years$12,773$9,271$6,610$4,641$3,219$515
30 years$12,213$8,756$6,157$4,260$2,909$431
31 years$11,691$8,277$5,740$3,912$2,630$360
32 years$11,203$7,832$5,355$3,595$2,379$301
33 years$10,745$7,417$5,000$3,306$2,153$252
34 years$10,315$7,029$4,672$3,042$1,949$211
35 years$9,911$6,667$4,368$2,800$1,765$176
36 years$9,529$6,328$4,086$2,579$1,599$147
37 years$9,170$6,010$3,825$2,376$1,450$123
38 years$8,830$5,712$3,582$2,190$1,314$103
39 years$8,508$5,432$3,356$2,020$1,192$86
40 years$8,203$5,168$3,145$1,863$1,081$72
41 years$7,914$4,919$2,949$1,719$981$60
42 years$7,639$4,685$2,766$1,586$890$51
43 years$7,378$4,464$2,596$1,464$808$42
44 years$7,129$4,255$2,437$1,352$733$35
45 years$6,892$4,057$2,288$1,248$666$30
46 years$6,666$3,871$2,149$1,153$604$25
47 years$6,450$3,694$2,019$1,065$549$21
48 years$6,244$3,526$1,897$985$498$17
49 years$6,047$3,367$1,783$910$453$15
50 years$5,858$3,217$1,677$841$411$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,000,000, adding $3,175 every year, while hoping to spend $43,931 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: 69/5/26 Blend
34$6,000,000$6,000,000$6,000,000$6,000,000
35$6,615,275$6,297,275$6,204,275$7,027,299
36$7,243,291$6,559,099$6,365,376$7,565,930
37$7,933,892$6,832,280$6,530,401$8,149,841
38$8,693,415$7,117,329$6,699,437$8,787,864
39$9,528,844$7,414,778$6,872,568$9,485,358
40$10,447,870$7,725,186$7,049,883$10,248,226
41$11,458,970$8,049,137$7,231,471$11,082,968
42$12,571,483$8,387,243$7,417,423$11,996,742
43$13,795,698$8,740,142$7,607,831$12,997,429
44$15,142,954$9,108,504$7,802,788$14,093,713
45$16,625,744$9,493,029$8,002,390$15,295,153
46$18,257,831$9,894,449$8,206,731$16,612,281
47$20,054,384$10,313,531$8,415,911$18,056,697
48$22,032,113$10,751,076$8,630,026$19,641,177
49$24,209,436$11,207,925$8,849,179$21,379,793
50$26,606,641$11,684,957$9,073,469$23,288,049
51$29,246,088$12,183,090$9,303,000$25,383,022
52$32,152,415$12,703,286$9,537,876$27,683,523
53$35,352,768$13,246,555$9,778,202$30,210,278
54$38,877,063$13,813,948$10,024,084$32,986,115
55$42,758,263$14,406,571$10,275,631$36,036,188
56$47,032,690$15,025,578$10,532,949$39,388,205
57$51,740,372$15,672,179$10,796,150$43,072,694
58$56,925,413$16,347,639$11,065,345$47,123,289
59$62,636,416$17,053,283$11,340,644$51,577,045
60$68,926,936$17,790,500$11,622,161$56,474,789
61$75,855,989$18,560,740$11,910,009$61,861,502
62$83,488,609$19,365,525$12,204,304$67,786,745
63$91,896,458$20,206,447$12,505,159$74,305,124
64$101,158,506$21,085,173$12,812,691$81,476,803
65$111,361,775$22,003,447$13,127,017$89,368,077
66$122,602,157$22,963,097$13,448,254$98,051,987
67$134,985,325$23,966,037$13,776,518$107,609,017
68$148,627,726$25,014,270$14,111,929$118,127,847
69$163,657,679$26,109,894$14,454,603$129,706,192
70$180,216,589$27,255,106$14,804,660$142,451,721
71$198,460,282$28,452,207$15,162,217$156,483,072
72$218,560,473$29,703,607$15,527,393$171,930,973
73$240,706,386$31,011,829$15,900,305$188,939,470
74$265,106,543$32,379,514$16,281,071$207,667,291
75$291,990,732$33,809,432$16,669,809$228,289,337
76$321,612,173$35,304,480$17,066,633$250,998,337
77$354,249,909$36,867,695$17,471,661$276,006,660
78$390,211,444$38,502,256$17,885,006$303,548,322
79$429,835,639$40,211,494$18,306,781$333,881,194
80$473,495,914$41,998,897$18,737,098$367,289,430
81$521,603,774$43,868,120$19,176,068$404,086,150
82$574,612,691$45,822,990$19,623,798$444,616,398
83$633,022,386$47,867,517$20,080,395$489,260,389
84$697,383,544$50,005,900$20,545,964$538,437,104
85$768,303,016$52,242,539$21,020,604$592,608,236
86$846,449,545$54,582,044$21,504,415$652,282,554
87$932,560,077$57,029,243$21,997,491$718,020,697
88$1,027,446,722$59,589,194$22,499,925$790,440,467
89$1,132,004,420$62,267,196$23,011,804$870,222,659
90$1,247,219,384$65,068,802$23,533,212$958,117,486
91$1,374,178,415$67,999,827$24,064,229$1,054,951,657
92$1,514,079,161$71,066,366$24,604,928$1,161,636,179
93$1,668,241,421$74,274,804$25,155,379$1,279,174,954
94$1,838,119,607$77,631,830$25,715,645$1,408,674,257
95$2,025,316,471$81,144,454$26,285,783$1,551,353,173
96$2,231,598,238$84,820,019$26,865,844$1,708,555,103
97$2,458,911,278$88,666,220$27,455,871$1,881,760,444
98$2,709,400,485$92,691,122$28,055,899$2,072,600,563
99$2,985,429,519$96,903,171$28,665,956$2,282,873,191
100$3,289,603,125$101,311,222$29,286,060$2,514,559,395