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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.7%
1 years$520,248$515,614$511,093$506,680$502,371$494,659
2 years$257,549$252,752$248,103$243,596$239,224$231,474
3 years$169,994$165,176$160,539$156,074$151,774$144,225
4 years$126,225$121,422$116,831$112,443$108,246$100,958
5 years$99,970$95,196$90,666$86,367$82,287$75,280
6 years$82,473$77,735$73,272$69,068$65,111$58,394
7 years$69,980$65,282$60,889$56,785$52,953$46,527
8 years$60,614$55,958$51,639$47,635$43,929$37,794
9 years$53,333$48,722$44,476$40,575$36,995$31,147
10 years$47,512$42,946$38,776$34,976$31,521$25,957
11 years$42,753$38,232$34,137$30,439$27,110$21,822
12 years$38,789$34,315$30,296$26,700$23,493$18,476
13 years$35,438$31,011$27,068$23,572$20,486$15,733
14 years$32,569$28,188$24,320$20,924$17,958$13,461
15 years$30,084$25,750$21,958$18,661$15,812$11,562
16 years$27,911$23,625$19,908$16,709$13,974$9,964
17 years$25,997$21,758$18,116$15,013$12,391$8,611
18 years$24,297$20,106$16,537$13,529$11,017$7,459
19 years$22,777$18,634$15,139$12,225$9,820$6,474
20 years$21,412$17,315$13,894$11,072$8,771$5,630
21 years$20,178$16,128$12,780$10,049$7,849$4,902
22 years$19,057$15,055$11,778$9,136$7,036$4,274
23 years$18,036$14,081$10,875$8,321$6,316$3,731
24 years$17,101$13,193$10,058$7,589$5,677$3,260
25 years$16,242$12,381$9,316$6,931$5,108$2,850
26 years$15,451$11,636$8,640$6,337$4,601$2,494
27 years$14,719$10,951$8,023$5,801$4,148$2,184
28 years$14,041$10,319$7,458$5,315$3,743$1,913
29 years$13,411$9,735$6,940$4,874$3,380$1,677
30 years$12,824$9,193$6,465$4,473$3,054$1,471
31 years$12,276$8,691$6,027$4,108$2,761$1,290
32 years$11,763$8,223$5,623$3,775$2,498$1,132
33 years$11,282$7,788$5,250$3,472$2,260$994
34 years$10,831$7,381$4,906$3,194$2,047$872
35 years$10,406$7,001$4,586$2,940$1,854$766
36 years$10,006$6,645$4,291$2,708$1,679$673
37 years$9,628$6,311$4,016$2,495$1,522$591
38 years$9,271$5,998$3,761$2,300$1,380$519
39 years$8,933$5,703$3,523$2,121$1,251$456
40 years$8,613$5,426$3,302$1,956$1,135$401
41 years$8,309$5,165$3,097$1,805$1,030$352
42 years$8,021$4,919$2,905$1,665$934$310
43 years$7,746$4,687$2,726$1,537$848$272
44 years$7,485$4,468$2,559$1,419$770$239
45 years$7,236$4,260$2,402$1,311$699$210
46 years$6,999$4,064$2,256$1,211$634$185
47 years$6,773$3,878$2,120$1,119$576$163
48 years$6,556$3,702$1,992$1,034$523$143
49 years$6,349$3,536$1,872$955$475$126
50 years$6,151$3,377$1,760$883$432$111

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 $6,938 every year, while hoping to spend $20,678 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: 20/50/30 Blend
34$6,300,000$6,300,000$6,300,000$6,300,000
35$6,949,757$6,615,857$6,518,207$7,022,320
36$7,636,630$6,918,032$6,714,565$7,394,681
37$8,392,873$7,234,322$6,916,809$7,789,994
38$9,225,536$7,565,394$7,125,113$8,211,785
39$10,142,395$7,911,952$7,339,658$8,662,190
40$11,152,012$8,274,731$7,560,629$9,143,541
41$12,263,825$8,654,501$7,788,218$9,658,381
42$13,488,234$9,052,070$8,022,623$10,209,488
43$14,836,698$9,468,286$8,264,045$10,799,893
44$16,321,845$9,904,035$8,512,693$11,432,911
45$17,957,588$10,360,248$8,768,784$12,112,162
46$19,759,261$10,837,898$9,032,537$12,841,605
47$21,743,759$11,338,009$9,304,180$13,625,572
48$23,929,701$11,861,650$9,583,949$14,468,799
49$26,337,604$12,409,945$9,872,085$15,376,473
50$28,990,076$12,984,068$10,168,836$16,354,270
51$31,912,030$13,585,254$10,474,458$17,408,408
52$35,130,920$14,214,794$10,789,215$18,545,696
53$38,676,998$14,874,044$11,113,379$19,773,598
54$42,583,602$15,564,422$11,447,227$21,100,291
55$46,887,469$16,287,418$11,791,048$22,534,743
56$51,629,080$17,044,591$12,145,138$24,086,785
57$56,853,048$17,837,577$12,509,801$25,767,204
58$62,608,530$18,668,090$12,885,352$27,587,829
59$68,949,701$19,537,927$13,272,112$29,561,642
60$75,936,257$20,448,972$13,670,414$31,702,894
61$83,633,983$21,403,199$14,080,600$34,027,223
62$92,115,372$22,402,679$14,503,023$36,551,803
63$101,460,310$23,449,581$14,938,045$39,295,491
64$111,756,831$24,546,179$15,386,038$42,278,999
65$123,101,946$25,694,860$15,847,388$45,525,077
66$135,602,558$26,898,122$16,322,490$49,058,722
67$149,376,476$28,158,587$16,811,750$52,907,399
68$164,553,521$29,479,002$17,315,588$57,101,292
69$181,276,755$30,862,248$17,834,435$61,673,577
70$199,703,830$32,311,344$18,368,735$66,660,721
71$220,008,477$33,829,456$18,918,944$72,102,816
72$242,382,146$35,419,904$19,485,533$78,043,947
73$267,035,813$37,086,168$20,068,987$84,532,586
74$294,201,971$38,831,895$20,669,802$91,622,044
75$324,136,824$40,660,910$21,288,493$99,370,953
76$357,122,710$42,577,224$21,925,587$107,843,808
77$393,470,760$44,585,041$22,581,628$117,111,555
78$433,523,839$46,688,770$23,257,174$127,252,248
79$477,659,782$48,893,032$23,952,801$138,351,765
80$526,294,962$51,202,672$24,669,102$150,504,599
81$579,888,218$53,622,773$25,406,686$163,814,732
82$638,945,187$56,158,660$26,166,182$178,396,596
83$704,023,082$58,815,919$26,948,234$194,376,130
84$775,735,944$61,600,407$27,753,507$211,891,948
85$854,760,447$64,518,264$28,582,687$231,096,620
86$941,842,281$67,575,927$29,436,476$252,158,092
87$1,037,803,195$70,780,149$30,315,599$275,261,244
88$1,143,548,752$74,138,008$31,220,803$300,609,605
89$1,260,076,879$77,656,924$32,152,854$328,427,249
90$1,388,487,289$81,344,682$33,112,543$358,960,881
91$1,529,991,862$85,209,441$34,100,682$392,482,131
92$1,685,926,085$89,259,757$35,118,108$429,290,087
93$1,857,761,664$93,504,602$36,165,683$469,714,087
94$2,047,120,411$97,953,386$37,244,291$514,116,787
95$2,255,789,563$102,615,972$38,354,845$562,897,552
96$2,485,738,650$107,502,705$39,498,283$616,496,183
97$2,739,138,087$112,624,433$40,675,570$675,397,028
98$3,018,379,671$117,992,529$41,887,701$740,133,513
99$3,326,099,155$123,618,921$43,135,697$811,293,132
100$3,665,201,137$129,516,117$44,420,611$889,522,944