Can I retire at age 35 with 6,200,000?

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 $6,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$511,990$507,430$502,980$498,637$494,397$490,870
2 years$253,460$248,740$244,165$239,729$235,427$231,870
3 years$167,295$162,554$157,991$153,597$149,365$145,889
4 years$124,221$119,495$114,977$110,658$106,528$103,159
5 years$98,383$93,685$89,227$84,996$80,981$77,730
6 years$81,164$76,501$72,109$67,972$64,077$60,948
7 years$68,869$64,245$59,923$55,883$52,112$49,105
8 years$59,652$55,070$50,819$46,879$43,232$40,348
9 years$52,487$47,949$43,770$39,931$36,408$33,646
10 years$46,758$42,264$38,160$34,421$31,021$28,380
11 years$42,074$37,625$33,596$29,956$26,679$24,157
12 years$38,174$33,771$29,815$26,276$23,120$20,714
13 years$34,876$30,519$26,638$23,198$20,161$17,869
14 years$32,052$27,741$23,934$20,592$17,673$15,493
15 years$29,606$25,342$21,609$18,365$15,561$13,489
16 years$27,468$23,250$19,592$16,443$13,752$11,786
17 years$25,584$21,413$17,828$14,774$12,194$10,329
18 years$23,911$19,786$16,275$13,315$10,842$9,076
19 years$22,416$18,338$14,899$12,031$9,664$7,993
20 years$21,072$17,040$13,673$10,896$8,632$7,053
21 years$19,857$15,872$12,577$9,889$7,725$6,234
22 years$18,755$14,816$11,591$8,991$6,924$5,519
23 years$17,750$13,857$10,703$8,189$6,215$4,891
24 years$16,830$12,984$9,898$7,469$5,587$4,340
25 years$15,985$12,184$9,168$6,821$5,027$3,855
26 years$15,206$11,451$8,503$6,237$4,528$3,427
27 years$14,486$10,777$7,895$5,708$4,083$3,049
28 years$13,818$10,155$7,340$5,230$3,684$2,715
29 years$13,198$9,580$6,830$4,796$3,326$2,418
30 years$12,621$9,048$6,362$4,402$3,006$2,156
31 years$12,081$8,553$5,931$4,043$2,717$1,922
32 years$11,576$8,093$5,534$3,715$2,458$1,715
33 years$11,103$7,664$5,167$3,416$2,224$1,530
34 years$10,659$7,264$4,828$3,143$2,014$1,366
35 years$10,241$6,890$4,514$2,894$1,824$1,220
36 years$9,847$6,539$4,222$2,665$1,653$1,090
37 years$9,475$6,211$3,952$2,455$1,498$974
38 years$9,124$5,902$3,701$2,263$1,358$870
39 years$8,791$5,613$3,467$2,087$1,232$778
40 years$8,476$5,340$3,250$1,925$1,117$695
41 years$8,177$5,083$3,047$1,776$1,013$622
42 years$7,894$4,841$2,859$1,639$920$556
43 years$7,624$4,612$2,682$1,513$835$497
44 years$7,366$4,397$2,518$1,397$758$445
45 years$7,122$4,193$2,364$1,290$688$398
46 years$6,888$4,000$2,221$1,192$624$356
47 years$6,665$3,817$2,086$1,101$567$318
48 years$6,452$3,644$1,960$1,017$515$285
49 years$6,248$3,480$1,843$940$468$255
50 years$6,053$3,324$1,732$869$425$228

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,200,000, adding $4,667 every year, while hoping to spend $56,656 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: 80/13/7 Blend
34$6,200,000$6,200,000$6,200,000$6,200,000
35$6,837,214$6,508,614$6,412,514$7,378,746
36$7,474,328$6,767,255$6,567,052$7,992,756
37$8,174,529$7,036,670$6,724,868$8,658,382
38$8,944,192$7,317,327$6,886,011$9,387,025
39$9,790,340$7,609,717$7,050,533$10,184,947
40$10,720,712$7,914,350$7,218,483$11,059,044
41$11,743,831$8,231,759$7,389,909$12,016,907
42$12,869,091$8,562,505$7,564,860$13,066,897
43$14,106,841$8,907,170$7,743,385$14,218,221
44$15,468,481$9,266,364$7,925,531$15,481,017
45$16,966,576$9,640,726$8,111,346$16,866,452
46$18,614,966$10,030,920$8,300,875$18,386,821
47$20,428,902$10,437,645$8,494,164$20,055,670
48$22,425,189$10,861,628$8,691,258$21,887,915
49$24,622,342$11,303,632$8,892,199$23,899,987
50$27,040,763$11,764,452$9,097,029$26,109,984
51$29,702,931$12,244,921$9,305,791$28,537,841
52$32,633,617$12,745,909$9,518,522$31,205,516
53$35,860,114$13,268,327$9,735,260$34,137,200
54$39,412,497$13,813,126$9,956,042$37,359,538
55$43,323,904$14,381,301$10,180,902$40,901,884
56$47,630,852$14,973,895$10,409,872$44,796,575
57$52,373,577$15,591,994$10,642,981$49,079,235
58$57,596,419$16,236,738$10,880,258$53,789,110
59$63,348,233$16,909,318$11,121,726$58,969,438
60$69,682,858$17,610,979$11,367,408$64,667,852
61$76,659,616$18,343,025$11,617,324$70,936,833
62$84,343,881$19,106,817$11,871,488$77,834,199
63$92,807,689$19,903,782$12,129,915$85,423,654
64$102,130,417$20,735,412$12,392,611$93,775,382
65$112,399,539$21,603,266$12,659,583$102,966,711
66$123,711,443$22,508,978$12,930,830$113,082,843
67$136,172,347$23,454,254$13,206,350$124,217,651
68$149,899,297$24,440,883$13,486,133$136,474,566
69$165,021,273$25,470,734$13,770,166$149,967,551
70$181,680,406$26,545,763$14,058,429$164,822,176
71$200,033,320$27,668,018$14,350,899$181,176,798
72$220,252,609$28,839,641$14,647,545$199,183,866
73$242,528,466$30,062,875$14,948,328$219,011,358
74$267,070,478$31,340,064$15,253,206$240,844,363
75$294,109,605$32,673,665$15,562,127$264,886,827
76$323,900,358$34,066,248$15,875,031$291,363,473
77$356,723,202$35,520,502$16,191,852$320,521,922
78$392,887,204$37,039,242$16,512,515$352,635,027
79$432,732,948$38,625,415$16,836,934$388,003,443
80$476,635,753$40,282,104$17,165,015$426,958,464
81$525,009,212$42,012,539$17,496,655$469,865,148
82$578,309,096$43,820,098$17,831,738$517,125,757
83$637,037,661$45,708,320$18,170,138$569,183,552
84$701,748,382$47,680,907$18,511,717$626,526,974
85$773,051,181$49,741,736$18,856,324$689,694,248
86$851,618,188$51,894,867$19,203,797$759,278,465
87$938,190,076$54,144,549$19,553,957$835,933,171
88$1,033,583,062$56,495,230$19,906,612$920,378,537
89$1,138,696,606$58,951,568$20,261,556$1,013,408,147
90$1,254,521,907$61,518,442$20,618,565$1,115,896,492
91$1,382,151,253$64,200,957$20,977,399$1,228,807,214
92$1,522,788,338$67,004,461$21,337,799$1,353,202,199
93$1,677,759,621$69,934,553$21,699,488$1,490,251,599
94$1,848,526,853$72,997,096$22,062,171$1,641,244,872
95$2,036,700,867$76,198,229$22,425,529$1,807,602,946
96$2,244,056,797$79,544,383$22,789,225$1,990,891,628
97$2,472,550,822$83,042,290$23,152,897$2,192,836,383
98$2,724,338,646$86,699,002$23,516,159$2,415,338,612
99$3,001,795,838$90,521,904$23,878,600$2,660,493,596
100$3,307,540,266$94,518,729$24,239,785$2,930,610,270