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%17.8%
1 years$495,474$491,061$486,755$482,552$478,448$463,318
2 years$245,284$240,716$236,289$231,996$227,833$212,727
3 years$161,899$157,311$152,895$148,642$144,546$129,938
4 years$120,214$115,640$111,268$107,088$103,092$89,093
5 years$95,210$90,663$86,349$82,254$78,369$65,018
6 years$78,545$74,033$69,782$65,779$62,010$49,318
7 years$66,647$62,173$57,990$54,081$50,431$38,396
8 years$57,728$53,294$49,180$45,367$41,837$30,452
9 years$50,794$46,402$42,359$38,643$35,233$24,485
10 years$45,250$40,901$36,929$33,310$30,020$19,893
11 years$40,717$36,412$32,512$28,990$25,819$16,293
12 years$36,942$32,681$28,853$25,428$22,374$13,430
13 years$33,751$29,534$25,779$22,449$19,510$11,127
14 years$31,018$26,846$23,162$19,928$17,103$9,257
15 years$28,651$24,524$20,912$17,772$15,059$7,727
16 years$26,582$22,500$18,960$15,913$13,309$6,468
17 years$24,759$20,722$17,253$14,298$11,801$5,426
18 years$23,140$19,148$15,750$12,885$10,492$4,561
19 years$21,693$17,746$14,418$11,643$9,352$3,840
20 years$20,392$16,491$13,232$10,545$8,354$3,237
21 years$19,217$15,360$12,171$9,570$7,475$2,731
22 years$18,150$14,338$11,218$8,701$6,701$2,307
23 years$17,177$13,410$10,357$7,925$6,015$1,950
24 years$16,287$12,565$9,579$7,228$5,406$1,650
25 years$15,469$11,791$8,872$6,601$4,865$1,396
26 years$14,715$11,082$8,228$6,035$4,382$1,182
27 years$14,018$10,429$7,641$5,524$3,951$1,001
28 years$13,373$9,828$7,103$5,061$3,565$849
29 years$12,773$9,271$6,610$4,641$3,219$719
30 years$12,213$8,756$6,157$4,260$2,909$610
31 years$11,691$8,277$5,740$3,912$2,630$517
32 years$11,203$7,832$5,355$3,595$2,379$438
33 years$10,745$7,417$5,000$3,306$2,153$372
34 years$10,315$7,029$4,672$3,042$1,949$316
35 years$9,911$6,667$4,368$2,800$1,765$268
36 years$9,529$6,328$4,086$2,579$1,599$227
37 years$9,170$6,010$3,825$2,376$1,450$193
38 years$8,830$5,712$3,582$2,190$1,314$164
39 years$8,508$5,432$3,356$2,020$1,192$139
40 years$8,203$5,168$3,145$1,863$1,081$118
41 years$7,914$4,919$2,949$1,719$981$100
42 years$7,639$4,685$2,766$1,586$890$85
43 years$7,378$4,464$2,596$1,464$808$72
44 years$7,129$4,255$2,437$1,352$733$61
45 years$6,892$4,057$2,288$1,248$666$52
46 years$6,666$3,871$2,149$1,153$604$44
47 years$6,450$3,694$2,019$1,065$549$37
48 years$6,244$3,526$1,897$985$498$32
49 years$6,047$3,367$1,783$910$453$27
50 years$5,858$3,217$1,677$841$411$23

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 $6,308 every year, while hoping to spend $28,917 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: 46/48/6 Blend
34$6,000,000$6,000,000$6,000,000$6,000,000
35$6,618,507$6,300,507$6,207,507$6,911,941
36$7,262,827$6,578,464$6,384,691$7,392,204
37$7,971,899$6,869,072$6,566,841$7,909,339
38$8,752,296$7,172,920$6,754,094$8,469,616
39$9,611,263$7,490,626$6,946,589$9,077,026
40$10,556,780$7,822,835$7,144,468$9,735,949
41$11,597,643$8,170,226$7,347,879$10,451,195
42$12,743,543$8,533,507$7,556,973$11,228,041
43$14,005,157$8,913,421$7,771,904$12,072,285
44$15,394,251$9,310,747$7,992,831$12,990,293
45$16,923,791$9,726,300$8,219,917$13,989,058
46$18,608,062$10,160,934$8,453,330$15,076,263
47$20,462,808$10,615,543$8,693,240$16,260,348
48$22,505,375$11,091,064$8,939,823$17,550,590
49$24,754,877$11,588,481$9,193,261$18,957,184
50$27,232,378$12,108,820$9,453,739$20,491,337
51$29,961,088$12,653,159$9,721,447$22,165,370
52$32,966,583$13,222,628$9,996,580$23,992,827
53$36,277,047$13,818,409$10,279,337$25,988,604
54$39,923,536$14,441,742$10,569,925$28,169,081
55$43,940,273$15,093,924$10,868,554$30,552,273
56$48,364,970$15,776,315$11,175,440$33,157,995
57$53,239,185$16,490,342$11,490,805$36,008,045
58$58,608,710$17,237,497$11,814,875$39,126,402
59$64,524,009$18,019,345$12,147,885$42,539,451
60$71,040,691$18,837,526$12,490,072$46,276,220
61$78,220,035$19,693,758$12,841,682$50,368,654
62$86,129,567$20,589,841$13,202,967$54,851,905
63$94,843,700$21,527,661$13,574,184$59,764,661
64$104,444,436$22,509,195$13,955,598$65,149,502
65$115,022,138$23,536,514$14,347,480$71,053,294
66$126,676,383$24,611,790$14,750,107$77,527,627
67$139,516,903$25,737,297$15,163,765$84,629,287
68$153,664,621$26,915,419$15,588,745$92,420,794
69$169,252,793$28,148,655$16,025,348$100,970,971
70$186,428,260$29,439,621$16,473,880$110,355,596
71$205,352,843$30,791,064$16,934,656$120,658,098
72$226,204,864$32,205,857$17,407,998$131,970,341
73$249,180,832$33,687,015$17,894,237$144,393,477
74$274,497,294$35,237,697$18,393,711$158,038,891
75$302,392,887$36,861,212$18,906,769$173,029,240
76$333,130,581$38,561,031$19,433,766$189,499,600
77$367,000,169$40,340,791$19,975,066$207,598,724
78$404,320,999$42,204,302$20,531,043$227,490,441
79$445,444,987$44,155,559$21,102,079$249,355,179
80$490,759,945$46,198,751$21,688,568$273,391,660
81$540,693,235$48,338,265$22,290,911$299,818,757
82$595,715,808$50,578,702$22,909,519$328,877,548
83$656,346,646$52,924,885$23,544,814$360,833,570
84$723,157,667$55,381,867$24,197,227$395,979,310
85$796,779,117$57,954,946$24,867,203$434,636,948
86$877,905,525$60,649,677$25,555,192$477,161,381
87$967,302,257$63,471,880$26,261,660$523,943,547
88$1,065,812,742$66,427,657$26,987,080$575,414,100
89$1,174,366,435$69,523,406$27,731,941$632,047,451
90$1,293,987,590$72,765,831$28,496,740$694,366,221
91$1,425,804,930$76,161,962$29,281,986$762,946,155
92$1,571,062,302$79,719,168$30,088,202$838,421,526
93$1,731,130,422$83,445,173$30,915,922$921,491,101
94$1,907,519,814$87,348,074$31,765,694$1,012,924,706
95$2,101,895,066$91,436,362$32,638,076$1,113,570,465
96$2,316,090,554$95,718,935$33,533,643$1,224,362,774
97$2,552,127,751$100,205,123$34,452,980$1,346,331,095
98$2,812,234,315$104,904,707$35,396,688$1,480,609,634
99$3,098,865,118$109,827,940$36,365,380$1,628,448,016
100$3,414,725,425$114,985,574$37,359,685$1,791,223,047