Can I retire at age 35 with 6,300,000?

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 $6,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$520,248$515,614$511,093$506,680$502,371$495,477
2 years$257,549$252,752$248,103$243,596$239,224$232,291
3 years$169,994$165,176$160,539$156,074$151,774$145,017
4 years$126,225$121,422$116,831$112,443$108,246$101,718
5 years$99,970$95,196$90,666$86,367$82,287$76,006
6 years$82,473$77,735$73,272$69,068$65,111$59,084
7 years$69,980$65,282$60,889$56,785$52,953$47,182
8 years$60,614$55,958$51,639$47,635$43,929$38,415
9 years$53,333$48,722$44,476$40,575$36,995$31,734
10 years$47,512$42,946$38,776$34,976$31,521$26,510
11 years$42,753$38,232$34,137$30,439$27,110$22,343
12 years$38,789$34,315$30,296$26,700$23,493$18,966
13 years$35,438$31,011$27,068$23,572$20,486$16,192
14 years$32,569$28,188$24,320$20,924$17,958$13,891
15 years$30,084$25,750$21,958$18,661$15,812$11,964
16 years$27,911$23,625$19,908$16,709$13,974$10,339
17 years$25,997$21,758$18,116$15,013$12,391$8,961
18 years$24,297$20,106$16,537$13,529$11,017$7,784
19 years$22,777$18,634$15,139$12,225$9,820$6,777
20 years$21,412$17,315$13,894$11,072$8,771$5,910
21 years$20,178$16,128$12,780$10,049$7,849$5,162
22 years$19,057$15,055$11,778$9,136$7,036$4,514
23 years$18,036$14,081$10,875$8,321$6,316$3,953
24 years$17,101$13,193$10,058$7,589$5,677$3,464
25 years$16,242$12,381$9,316$6,931$5,108$3,039
26 years$15,451$11,636$8,640$6,337$4,601$2,668
27 years$14,719$10,951$8,023$5,801$4,148$2,343
28 years$14,041$10,319$7,458$5,315$3,743$2,060
29 years$13,411$9,735$6,940$4,874$3,380$1,811
30 years$12,824$9,193$6,465$4,473$3,054$1,594
31 years$12,276$8,691$6,027$4,108$2,761$1,402
32 years$11,763$8,223$5,623$3,775$2,498$1,235
33 years$11,282$7,788$5,250$3,472$2,260$1,087
34 years$10,831$7,381$4,906$3,194$2,047$958
35 years$10,406$7,001$4,586$2,940$1,854$844
36 years$10,006$6,645$4,291$2,708$1,679$744
37 years$9,628$6,311$4,016$2,495$1,522$656
38 years$9,271$5,998$3,761$2,300$1,380$578
39 years$8,933$5,703$3,523$2,121$1,251$510
40 years$8,613$5,426$3,302$1,956$1,135$449
41 years$8,309$5,165$3,097$1,805$1,030$396
42 years$8,021$4,919$2,905$1,665$934$350
43 years$7,746$4,687$2,726$1,537$848$308
44 years$7,485$4,468$2,559$1,419$770$272
45 years$7,236$4,260$2,402$1,311$699$240
46 years$6,999$4,064$2,256$1,211$634$212
47 years$6,773$3,878$2,120$1,119$576$187
48 years$6,556$3,702$1,992$1,034$523$165
49 years$6,349$3,536$1,872$955$475$145
50 years$6,151$3,377$1,760$883$432$128

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,300,000, adding $4,128 every year, while hoping to spend $58,874 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: 57/20/23 Blend
34$6,300,000$6,300,000$6,300,000$6,300,000
35$6,946,858$6,612,958$6,515,308$7,299,397
36$7,592,796$6,874,351$6,670,929$7,802,030
37$8,302,647$7,146,580$6,829,791$8,342,940
38$9,082,866$7,430,112$6,991,939$8,931,210
39$9,940,569$7,725,438$7,157,419$9,571,421
40$10,883,592$8,033,070$7,326,278$10,268,615
41$11,920,570$8,353,541$7,498,559$11,028,338
42$13,061,015$8,687,412$7,674,307$11,856,694
43$14,315,408$9,035,265$7,853,567$12,760,399
44$15,695,298$9,397,711$8,036,380$13,746,845
45$17,213,408$9,775,389$8,222,788$14,824,169
46$18,883,757$10,168,964$8,412,833$16,001,326
47$20,721,791$10,579,133$8,606,553$17,288,173
48$22,744,528$11,006,626$8,803,987$18,695,565
49$24,970,722$11,452,202$9,005,173$20,235,447
50$27,421,034$11,916,659$9,210,145$21,920,976
51$30,118,233$12,400,828$9,418,938$23,766,634
52$33,087,403$12,905,580$9,631,583$25,788,371
53$36,356,188$13,431,823$9,848,111$28,003,746
54$39,955,046$13,980,509$10,068,549$30,432,099
55$43,917,539$14,552,632$10,292,924$33,094,727
56$48,280,650$15,149,232$10,521,258$36,015,083
57$53,085,128$15,771,397$10,753,572$39,218,998
58$58,375,879$16,420,263$10,989,884$42,734,921
59$64,202,382$17,097,019$11,230,209$46,594,186
60$70,619,162$17,802,910$11,474,558$50,831,305
61$77,686,299$18,539,236$11,722,939$55,484,294
62$85,470,000$19,307,357$11,975,356$60,595,025
63$94,043,219$20,108,697$12,231,809$66,209,622
64$103,486,348$20,944,743$12,492,295$72,378,895
65$113,887,974$21,817,054$12,756,805$79,158,814
66$125,345,715$22,727,257$13,025,326$86,611,036
67$137,967,142$23,677,057$13,297,839$94,803,483
68$151,870,794$24,668,236$13,574,320$103,810,984
69$167,187,295$25,702,660$13,854,740$113,715,973
70$184,060,589$26,782,280$14,139,063$124,609,268
71$202,649,294$27,909,136$14,427,247$136,590,923
72$223,128,205$29,085,367$14,719,242$149,771,170
73$245,689,938$30,313,206$15,014,993$164,271,455
74$270,546,751$31,594,993$15,314,435$180,225,582
75$297,932,547$32,933,175$15,617,496$197,780,971
76$328,105,081$34,330,314$15,924,096$217,100,046
77$361,348,390$35,789,091$16,234,144$238,361,766
78$397,975,479$37,312,310$16,547,542$261,763,306
79$438,331,273$38,902,908$16,864,179$287,521,917
80$482,795,870$40,563,957$17,183,936$315,876,971
81$531,788,132$42,298,674$17,506,681$347,092,216
82$585,769,638$44,110,426$17,832,271$381,458,262
83$645,249,039$46,002,735$18,160,551$419,295,315
84$710,786,863$47,979,291$18,491,351$460,956,200
85$783,000,801$50,043,955$18,824,490$506,829,679
86$862,571,542$52,200,768$19,159,769$557,344,124
87$950,249,195$54,453,961$19,496,977$612,971,544
88$1,046,860,373$56,807,965$19,835,886$674,232,046
89$1,153,315,992$59,267,416$20,176,249$741,698,726
90$1,270,619,874$61,837,170$20,517,804$816,003,082
91$1,399,878,219$64,522,310$20,860,269$897,840,964
92$1,542,310,053$67,328,158$21,203,343$987,979,135
93$1,699,258,727$70,260,286$21,546,704$1,087,262,502
94$1,872,204,607$73,324,530$21,890,008$1,196,622,085
95$2,062,779,043$76,526,999$22,232,890$1,317,083,796
96$2,272,779,774$79,874,090$22,574,960$1,449,778,117
97$2,504,187,893$83,372,503$22,915,803$1,595,950,760
98$2,759,186,555$87,029,252$23,254,979$1,756,974,418
99$3,040,181,582$90,851,684$23,592,020$1,934,361,718
100$3,349,824,179$94,847,492$23,926,428$2,129,779,483