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

Use the below retirement simulation to view the chances of a successful retirement.
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%12.8%
1 years$495,474$491,061$486,755$482,552$478,448$472,862
2 years$245,284$240,716$236,289$231,996$227,833$222,210
3 years$161,899$157,311$152,895$148,642$144,546$139,061
4 years$120,214$115,640$111,268$107,088$103,092$97,787
5 years$95,210$90,663$86,349$82,254$78,369$73,260
6 years$78,545$74,033$69,782$65,779$62,010$57,104
7 years$66,647$62,173$57,990$54,081$50,431$45,728
8 years$57,728$53,294$49,180$45,367$41,837$37,338
9 years$50,794$46,402$42,359$38,643$35,233$30,936
10 years$45,250$40,901$36,929$33,310$30,020$25,922
11 years$40,717$36,412$32,512$28,990$25,819$21,915
12 years$36,942$32,681$28,853$25,428$22,374$18,662
13 years$33,751$29,534$25,779$22,449$19,510$15,985
14 years$31,018$26,846$23,162$19,928$17,103$13,759
15 years$28,651$24,524$20,912$17,772$15,059$11,891
16 years$26,582$22,500$18,960$15,913$13,309$10,311
17 years$24,759$20,722$17,253$14,298$11,801$8,968
18 years$23,140$19,148$15,750$12,885$10,492$7,819
19 years$21,693$17,746$14,418$11,643$9,352$6,831
20 years$20,392$16,491$13,232$10,545$8,354$5,980
21 years$19,217$15,360$12,171$9,570$7,475$5,242
22 years$18,150$14,338$11,218$8,701$6,701$4,602
23 years$17,177$13,410$10,357$7,925$6,015$4,045
24 years$16,287$12,565$9,579$7,228$5,406$3,559
25 years$15,469$11,791$8,872$6,601$4,865$3,134
26 years$14,715$11,082$8,228$6,035$4,382$2,762
27 years$14,018$10,429$7,641$5,524$3,951$2,436
28 years$13,373$9,828$7,103$5,061$3,565$2,150
29 years$12,773$9,271$6,610$4,641$3,219$1,898
30 years$12,213$8,756$6,157$4,260$2,909$1,677
31 years$11,691$8,277$5,740$3,912$2,630$1,482
32 years$11,203$7,832$5,355$3,595$2,379$1,310
33 years$10,745$7,417$5,000$3,306$2,153$1,159
34 years$10,315$7,029$4,672$3,042$1,949$1,025
35 years$9,911$6,667$4,368$2,800$1,765$907
36 years$9,529$6,328$4,086$2,579$1,599$803
37 years$9,170$6,010$3,825$2,376$1,450$711
38 years$8,830$5,712$3,582$2,190$1,314$629
39 years$8,508$5,432$3,356$2,020$1,192$557
40 years$8,203$5,168$3,145$1,863$1,081$493
41 years$7,914$4,919$2,949$1,719$981$437
42 years$7,639$4,685$2,766$1,586$890$387
43 years$7,378$4,464$2,596$1,464$808$343
44 years$7,129$4,255$2,437$1,352$733$304
45 years$6,892$4,057$2,288$1,248$666$269
46 years$6,666$3,871$2,149$1,153$604$238
47 years$6,450$3,694$2,019$1,065$549$211
48 years$6,244$3,526$1,897$985$498$187
49 years$6,047$3,367$1,783$910$453$166
50 years$5,858$3,217$1,677$841$411$147

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 $5,644 every year, while hoping to spend $23,406 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: 78/16/6 Blend
34$6,000,000$6,000,000$6,000,000$6,000,000
35$6,617,822$6,299,822$6,206,822$7,130,141
36$7,267,936$6,583,609$6,389,847$7,750,681
37$7,983,577$6,880,518$6,578,218$8,427,402
38$8,771,404$7,191,166$6,772,091$9,168,820
39$9,638,756$7,516,201$6,971,624$9,981,362
40$10,593,715$7,856,302$7,176,980$10,872,101
41$11,645,193$8,212,179$7,388,328$11,848,825
42$12,803,006$8,584,579$7,605,840$12,920,108
43$14,077,970$8,974,281$7,829,693$14,095,389
44$15,482,006$9,382,104$8,060,071$15,385,064
45$17,028,249$9,808,905$8,297,161$16,800,579
46$18,731,171$10,255,582$8,541,157$18,354,536
47$20,606,721$10,723,076$8,792,257$20,060,814
48$22,672,475$11,212,375$9,050,665$21,934,700
49$24,947,797$11,724,511$9,316,592$23,993,024
50$27,454,027$12,260,567$9,590,253$26,254,326
51$30,214,682$12,821,679$9,871,871$28,739,023
52$33,255,675$13,409,037$10,161,674$31,469,604
53$36,605,561$14,023,886$10,459,897$34,470,836
54$40,295,806$14,667,535$10,766,781$37,770,001
55$44,361,085$15,341,350$11,082,575$41,397,151
56$48,839,608$16,046,769$11,407,534$45,385,385
57$53,773,482$16,785,295$11,741,920$49,771,165
58$59,209,107$17,558,504$12,086,004$54,594,657
59$65,197,613$18,368,048$12,440,062$59,900,105
60$71,795,346$19,215,658$12,804,380$65,736,250
61$79,064,396$20,103,150$13,179,252$72,156,785
62$87,073,186$21,032,427$13,564,979$79,220,862
63$95,897,116$22,005,480$13,961,870$86,993,644
64$105,619,274$23,024,401$14,370,245$95,546,923
65$116,331,222$24,091,379$14,790,431$104,959,791
66$128,133,861$25,208,711$15,222,765$115,319,382
67$141,138,381$26,378,804$15,667,593$126,721,696
68$155,467,309$27,604,179$16,125,271$139,272,501
69$171,255,672$28,887,481$16,596,165$153,088,325
70$188,652,265$30,231,481$17,080,651$168,297,555
71$207,821,058$31,639,086$17,579,115$185,041,647
72$228,942,746$33,113,341$18,091,955$203,476,453
73$252,216,450$34,657,439$18,619,579$223,773,691
74$277,861,600$36,274,726$19,162,407$246,122,564
75$306,120,007$37,968,711$19,720,871$270,731,536
76$337,258,141$39,743,071$20,295,414$297,830,302
77$371,569,653$41,601,663$20,886,492$327,671,946
78$409,378,141$43,548,528$21,494,573$360,535,329
79$451,040,209$45,587,903$22,120,139$396,727,715
80$496,948,831$47,724,232$22,763,684$436,587,664
81$547,537,062$49,962,169$23,425,718$480,488,226
82$603,282,125$52,306,598$24,106,762$528,840,456
83$664,709,918$54,762,637$24,807,355$582,097,287
84$732,399,975$57,335,652$25,528,047$640,757,799
85$806,990,942$60,031,269$26,269,406$705,371,926
86$889,186,602$62,855,385$27,032,015$776,545,637
87$979,762,521$65,814,185$27,816,473$854,946,654
88$1,079,573,368$68,914,150$28,623,395$941,310,742
89$1,189,560,987$72,162,078$29,453,414$1,036,448,653
90$1,310,763,283$75,565,096$30,307,179$1,141,253,766
91$1,444,324,027$79,130,674$31,185,358$1,256,710,516
92$1,591,503,647$82,866,647$32,088,637$1,383,903,675
93$1,753,691,134$86,781,227$33,017,721$1,524,028,585
94$1,932,417,149$90,883,026$33,973,334$1,678,402,432
95$2,129,368,477$95,181,074$34,956,220$1,848,476,673
96$2,346,403,951$99,684,836$35,967,143$2,035,850,721
97$2,585,572,000$104,404,239$37,006,888$2,242,287,039
98$2,849,129,988$109,349,690$38,076,263$2,469,727,765
99$3,139,565,524$114,532,103$39,176,095$2,720,313,031
100$3,459,619,950$119,962,918$40,307,236$2,996,401,158