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%11.3%
1 years$503,732$499,245$494,868$490,595$486,423$483,763
2 years$249,372$244,728$240,227$235,863$231,630$228,946
3 years$164,597$159,933$155,443$151,120$146,955$144,331
4 years$122,217$117,567$113,123$108,873$104,810$102,264
5 years$96,796$92,174$87,788$83,625$79,675$77,216
6 years$79,855$75,267$70,946$66,876$63,044$60,675
7 years$67,758$63,209$58,956$54,982$51,272$48,994
8 years$58,690$54,182$49,999$46,123$42,535$40,348
9 years$51,640$47,175$43,064$39,287$35,820$33,724
10 years$46,004$41,583$37,545$33,866$30,521$28,514
11 years$41,396$37,019$33,054$29,473$26,249$24,331
12 years$37,558$33,226$29,334$25,852$22,747$20,916
13 years$34,313$30,026$26,208$22,823$19,836$18,089
14 years$31,535$27,293$23,548$20,260$17,388$15,724
15 years$29,129$24,933$21,261$18,068$15,310$13,727
16 years$27,025$22,875$19,276$16,178$13,531$12,027
17 years$25,171$21,067$17,540$14,536$11,997$10,570
18 years$23,525$19,467$16,012$13,100$10,667$9,314
19 years$22,054$18,042$14,658$11,837$9,508$8,226
20 years$20,732$16,766$13,453$10,721$8,493$7,279
21 years$19,537$15,616$12,374$9,730$7,600$6,453
22 years$18,452$14,577$11,405$8,846$6,812$5,729
23 years$17,463$13,634$10,530$8,057$6,115$5,093
24 years$16,558$12,774$9,739$7,348$5,496$4,533
25 years$15,727$11,988$9,020$6,711$4,946$4,039
26 years$14,960$11,267$8,365$6,136$4,455$3,602
27 years$14,252$10,603$7,768$5,616$4,017$3,215
28 years$13,596$9,991$7,221$5,146$3,624$2,871
29 years$12,985$9,426$6,720$4,719$3,273$2,566
30 years$12,417$8,902$6,260$4,331$2,957$2,295
31 years$11,886$8,415$5,836$3,977$2,673$2,053
32 years$11,390$7,962$5,445$3,655$2,418$1,837
33 years$10,924$7,540$5,084$3,361$2,189$1,645
34 years$10,487$7,147$4,750$3,093$1,982$1,474
35 years$10,076$6,778$4,441$2,847$1,795$1,321
36 years$9,688$6,434$4,154$2,622$1,626$1,184
37 years$9,322$6,111$3,888$2,416$1,474$1,061
38 years$8,977$5,807$3,641$2,227$1,336$951
39 years$8,650$5,522$3,412$2,053$1,212$853
40 years$8,340$5,254$3,198$1,894$1,099$765
41 years$8,046$5,001$2,998$1,747$997$687
42 years$7,766$4,763$2,813$1,613$905$616
43 years$7,501$4,538$2,639$1,489$821$553
44 years$7,248$4,326$2,477$1,374$745$496
45 years$7,007$4,125$2,326$1,269$677$446
46 years$6,777$3,935$2,185$1,172$614$400
47 years$6,558$3,755$2,053$1,083$558$359
48 years$6,348$3,585$1,929$1,001$507$322
49 years$6,148$3,423$1,813$925$460$290
50 years$5,956$3,270$1,704$855$418$260

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 $5,895 every year, while hoping to spend $20,106 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: 32/43/25 Blend
34$6,100,000$6,100,000$6,100,000$6,100,000
35$6,728,281$6,404,981$6,310,431$6,891,836
36$7,393,173$6,697,432$6,500,437$7,309,018
37$8,125,210$7,003,540$6,696,136$7,755,845
38$8,931,220$7,323,952$6,897,695$8,236,725
39$9,818,725$7,659,347$7,105,289$8,754,664
40$10,796,017$8,010,437$7,319,098$9,312,951
41$11,872,230$8,377,967$7,539,307$9,915,192
42$13,057,430$8,762,719$7,766,105$10,565,339
43$14,362,708$9,165,513$7,999,690$11,267,723
44$15,800,287$9,587,206$8,240,263$12,027,094
45$17,383,636$10,028,699$8,488,031$12,848,661
46$19,127,595$10,490,934$8,743,209$13,738,138
47$21,048,520$10,974,899$9,006,016$14,701,795
48$23,164,431$11,481,631$9,276,680$15,746,513
49$25,495,187$12,012,215$9,555,433$16,879,845
50$28,062,672$12,567,790$9,842,515$18,110,084
51$30,891,000$13,149,547$10,138,175$19,446,334
52$34,006,744$13,758,737$10,442,667$20,898,597
53$37,439,188$14,396,671$10,756,251$22,477,858
54$41,220,599$15,064,721$11,079,200$24,196,185
55$45,386,536$15,764,329$11,411,789$26,066,839
56$49,976,184$16,497,003$11,754,306$28,104,393
57$55,032,723$17,264,324$12,107,043$30,324,863
58$60,603,737$18,067,952$12,470,305$32,745,856
59$66,741,661$18,909,624$12,844,403$35,386,727
60$73,504,278$19,791,164$13,229,658$38,268,757
61$80,955,263$20,714,480$13,626,401$41,415,349
62$89,164,786$21,681,575$14,034,971$44,852,238
63$98,210,170$22,694,549$14,455,719$48,607,729
64$108,176,627$23,755,601$14,889,005$52,712,957
65$119,158,057$24,867,039$15,335,201$57,202,170
66$131,257,936$26,031,282$15,794,687$62,113,049
67$144,590,294$27,250,863$16,267,858$67,487,050
68$159,280,791$28,528,442$16,755,117$73,369,789
69$175,467,899$29,866,803$17,256,882$79,811,462
70$193,304,218$31,268,870$17,773,581$86,867,310
71$212,957,907$32,737,703$18,305,654$94,598,128
72$234,614,277$34,276,514$18,853,557$103,070,830
73$258,477,539$35,888,668$19,417,756$112,359,068
74$284,772,730$37,577,695$19,998,734$122,543,915
75$313,747,841$39,347,295$20,596,984$133,714,621
76$345,676,154$41,201,346$21,213,016$145,969,436
77$380,858,826$43,143,916$21,847,356$159,416,530
78$419,627,727$45,179,269$22,500,543$174,174,998
79$462,348,576$47,311,874$23,173,133$190,375,967
80$509,424,396$49,546,420$23,865,697$208,163,821
81$561,299,311$51,887,822$24,578,825$227,697,545
82$618,462,746$54,341,231$25,313,121$249,152,211
83$681,454,046$56,912,051$26,069,210$272,720,611
84$750,867,563$59,605,946$26,847,734$298,615,060
85$827,358,273$62,428,856$27,649,351$327,069,377
86$911,647,955$65,387,008$28,474,743$358,341,076
87$1,004,532,008$68,486,933$29,324,608$392,713,773
88$1,106,886,957$71,735,476$30,199,667$430,499,839
89$1,219,678,730$75,139,818$31,100,659$472,043,331
90$1,343,971,777$78,707,486$32,028,348$517,723,207
91$1,480,939,118$82,446,373$32,983,517$567,956,885
92$1,631,873,418$86,364,755$33,966,975$623,204,152
93$1,798,199,190$90,471,311$34,979,551$683,971,478
94$1,981,486,243$94,775,140$36,022,102$750,816,767
95$2,183,464,503$99,285,786$37,095,506$824,354,591
96$2,406,040,346$104,013,253$38,200,669$905,261,962
97$2,651,314,592$108,968,033$39,338,522$994,284,687
98$2,921,602,343$114,161,129$40,510,025$1,092,244,374
99$3,219,454,834$119,604,077$41,716,163$1,200,046,149
100$3,547,683,525$125,308,974$42,957,952$1,318,687,165