Can I retire at age 35 with 6,100,000?

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 $6,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$503,732$499,245$494,868$490,595$486,423$482,146
2 years$249,372$244,728$240,227$235,863$231,630$227,320
3 years$164,597$159,933$155,443$151,120$146,955$142,746
4 years$122,217$117,567$113,123$108,873$104,810$100,734
5 years$96,796$92,174$87,788$83,625$79,675$75,744
6 years$79,855$75,267$70,946$66,876$63,044$59,263
7 years$67,758$63,209$58,956$54,982$51,272$47,642
8 years$58,690$54,182$49,999$46,123$42,535$39,057
9 years$51,640$47,175$43,064$39,287$35,820$32,493
10 years$46,004$41,583$37,545$33,866$30,521$27,342
11 years$41,396$37,019$33,054$29,473$26,249$23,216
12 years$37,558$33,226$29,334$25,852$22,747$19,857
13 years$34,313$30,026$26,208$22,823$19,836$17,086
14 years$31,535$27,293$23,548$20,260$17,388$14,775
15 years$29,129$24,933$21,261$18,068$15,310$12,829
16 years$27,025$22,875$19,276$16,178$13,531$11,179
17 years$25,171$21,067$17,540$14,536$11,997$9,770
18 years$23,525$19,467$16,012$13,100$10,667$8,561
19 years$22,054$18,042$14,658$11,837$9,508$7,518
20 years$20,732$16,766$13,453$10,721$8,493$6,614
21 years$19,537$15,616$12,374$9,730$7,600$5,829
22 years$18,452$14,577$11,405$8,846$6,812$5,144
23 years$17,463$13,634$10,530$8,057$6,115$4,546
24 years$16,558$12,774$9,739$7,348$5,496$4,021
25 years$15,727$11,988$9,020$6,711$4,946$3,561
26 years$14,960$11,267$8,365$6,136$4,455$3,156
27 years$14,252$10,603$7,768$5,616$4,017$2,799
28 years$13,596$9,991$7,221$5,146$3,624$2,484
29 years$12,985$9,426$6,720$4,719$3,273$2,206
30 years$12,417$8,902$6,260$4,331$2,957$1,959
31 years$11,886$8,415$5,836$3,977$2,673$1,742
32 years$11,390$7,962$5,445$3,655$2,418$1,549
33 years$10,924$7,540$5,084$3,361$2,189$1,378
34 years$10,487$7,147$4,750$3,093$1,982$1,226
35 years$10,076$6,778$4,441$2,847$1,795$1,091
36 years$9,688$6,434$4,154$2,622$1,626$971
37 years$9,322$6,111$3,888$2,416$1,474$865
38 years$8,977$5,807$3,641$2,227$1,336$770
39 years$8,650$5,522$3,412$2,053$1,212$686
40 years$8,340$5,254$3,198$1,894$1,099$611
41 years$8,046$5,001$2,998$1,747$997$545
42 years$7,766$4,763$2,813$1,613$905$485
43 years$7,501$4,538$2,639$1,489$821$433
44 years$7,248$4,326$2,477$1,374$745$386
45 years$7,007$4,125$2,326$1,269$677$344
46 years$6,777$3,935$2,185$1,172$614$306
47 years$6,558$3,755$2,053$1,083$558$273
48 years$6,348$3,585$1,929$1,001$507$244
49 years$6,148$3,423$1,813$925$460$217
50 years$5,956$3,270$1,704$855$418$194

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,100,000, adding $4,385 every year, while hoping to spend $22,398 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: 38/41/21 Blend
34$6,100,000$6,100,000$6,100,000$6,100,000
35$6,726,723$6,403,423$6,308,873$6,939,879
36$7,389,018$6,693,360$6,496,389$7,384,486
37$8,118,115$6,996,752$6,689,436$7,862,237
38$8,920,807$7,314,237$6,888,176$8,378,103
39$9,804,574$7,646,479$7,092,775$8,935,541
40$10,777,662$7,994,178$7,303,404$9,538,341
41$11,849,154$8,358,064$7,520,239$10,190,660
42$13,029,063$8,738,904$7,743,462$10,897,059
43$14,328,418$9,137,500$7,973,258$11,662,543
44$15,759,374$9,554,695$8,209,820$12,492,605
45$17,335,326$9,991,371$8,453,345$13,393,277
46$19,071,032$10,448,452$8,704,035$14,371,181
47$20,982,757$10,926,905$8,962,100$15,433,590
48$23,088,422$11,427,747$9,227,754$16,588,491
49$25,407,776$11,952,042$9,501,218$17,844,660
50$27,962,580$12,500,903$9,782,720$19,211,740
51$30,776,815$13,075,499$10,072,493$20,700,324
52$33,876,907$13,677,056$10,370,779$22,322,059
53$37,291,976$14,306,855$10,677,824$24,089,745
54$41,054,109$14,966,243$10,993,883$26,017,452
55$45,198,669$15,656,629$11,319,218$28,120,651
56$49,764,620$16,379,491$11,654,099$30,416,354
57$54,794,902$17,136,377$11,998,802$32,923,269
58$60,336,833$17,928,910$12,353,613$35,661,970
59$66,442,556$18,758,793$12,718,825$38,655,088
60$73,169,531$19,627,808$13,094,740$41,927,519
61$80,581,077$20,537,824$13,481,667$45,506,647
62$88,746,970$21,490,802$13,879,927$49,422,607
63$97,744,104$22,488,793$14,289,847$53,708,550
64$107,657,210$23,533,952$14,711,765$58,400,961
65$118,579,665$24,628,535$15,146,028$63,539,985
66$130,614,365$25,774,907$15,592,994$69,169,808
67$143,874,700$26,975,548$16,053,030$75,339,059
68$158,485,627$28,233,057$16,526,513$82,101,264
69$174,584,843$29,550,159$17,013,833$89,515,343
70$192,324,089$30,929,709$17,515,389$97,646,154
71$211,870,585$32,374,703$18,031,593$106,565,098
72$233,408,600$33,888,279$18,562,867$116,350,782
73$257,141,199$35,473,727$19,109,645$127,089,752
74$283,292,159$37,134,497$19,672,376$138,877,297
75$312,108,078$38,874,206$20,251,519$151,818,337
76$343,860,704$40,696,644$20,847,547$166,028,404
77$378,849,502$42,605,786$21,460,946$181,634,716
78$417,404,480$44,605,799$22,092,217$198,777,368
79$459,889,304$46,701,050$22,741,873$217,610,640
80$506,704,732$48,896,120$23,410,445$238,304,438
81$558,292,395$51,195,811$24,098,475$261,045,882
82$615,138,969$53,605,155$24,806,524$286,041,059
83$677,780,767$56,129,431$25,535,166$313,516,951
84$746,808,804$58,774,171$26,284,992$343,723,559
85$822,874,374$61,545,178$27,056,611$376,936,247
86$906,695,201$64,448,532$27,850,648$413,458,320
87$999,062,212$67,490,611$28,667,746$453,623,869
88$1,100,847,009$70,678,102$29,508,566$497,800,906
89$1,213,010,088$74,018,013$30,373,788$546,394,812
90$1,336,609,917$77,517,696$31,264,110$599,852,142
91$1,472,812,922$81,184,857$32,180,251$658,664,820
92$1,622,904,501$85,027,575$33,122,950$723,374,755
93$1,788,301,157$89,054,324$34,092,966$794,578,931
94$1,970,563,875$93,273,985$35,091,080$872,935,017
95$2,171,412,854$97,695,874$36,118,095$959,167,542
96$2,392,743,750$102,329,757$37,174,836$1,054,074,713
97$2,636,645,571$107,185,874$38,262,152$1,158,535,911
98$2,905,420,400$112,274,962$39,380,914$1,273,519,962
99$3,201,605,126$117,608,280$40,532,020$1,400,094,254
100$3,527,995,397$123,197,634$41,716,391$1,539,434,768