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%16.4%
1 years$520,248$515,614$511,093$506,680$502,371$489,234
2 years$257,549$252,752$248,103$243,596$239,224$226,078
3 years$169,994$165,176$160,539$156,074$151,774$139,030
4 years$126,225$121,422$116,831$112,443$108,246$96,004
5 years$99,970$95,196$90,666$86,367$82,287$70,579
6 years$82,473$77,735$73,272$69,068$65,111$53,948
7 years$69,980$65,282$60,889$56,785$52,953$42,337
8 years$60,614$55,958$51,639$47,635$43,929$33,855
9 years$53,333$48,722$44,476$40,575$36,995$27,453
10 years$47,512$42,946$38,776$34,976$31,521$22,500
11 years$42,753$38,232$34,137$30,439$27,110$18,595
12 years$38,789$34,315$30,296$26,700$23,493$15,470
13 years$35,438$31,011$27,068$23,572$20,486$12,939
14 years$32,569$28,188$24,320$20,924$17,958$10,869
15 years$30,084$25,750$21,958$18,661$15,812$9,163
16 years$27,911$23,625$19,908$16,709$13,974$7,747
17 years$25,997$21,758$18,116$15,013$12,391$6,566
18 years$24,297$20,106$16,537$13,529$11,017$5,577
19 years$22,777$18,634$15,139$12,225$9,820$4,745
20 years$21,412$17,315$13,894$11,072$8,771$4,042
21 years$20,178$16,128$12,780$10,049$7,849$3,448
22 years$19,057$15,055$11,778$9,136$7,036$2,945
23 years$18,036$14,081$10,875$8,321$6,316$2,517
24 years$17,101$13,193$10,058$7,589$5,677$2,153
25 years$16,242$12,381$9,316$6,931$5,108$1,842
26 years$15,451$11,636$8,640$6,337$4,601$1,578
27 years$14,719$10,951$8,023$5,801$4,148$1,352
28 years$14,041$10,319$7,458$5,315$3,743$1,159
29 years$13,411$9,735$6,940$4,874$3,380$993
30 years$12,824$9,193$6,465$4,473$3,054$852
31 years$12,276$8,691$6,027$4,108$2,761$731
32 years$11,763$8,223$5,623$3,775$2,498$627
33 years$11,282$7,788$5,250$3,472$2,260$538
34 years$10,831$7,381$4,906$3,194$2,047$462
35 years$10,406$7,001$4,586$2,940$1,854$396
36 years$10,006$6,645$4,291$2,708$1,679$340
37 years$9,628$6,311$4,016$2,495$1,522$292
38 years$9,271$5,998$3,761$2,300$1,380$251
39 years$8,933$5,703$3,523$2,121$1,251$215
40 years$8,613$5,426$3,302$1,956$1,135$185
41 years$8,309$5,165$3,097$1,805$1,030$159
42 years$8,021$4,919$2,905$1,665$934$136
43 years$7,746$4,687$2,726$1,537$848$117
44 years$7,485$4,468$2,559$1,419$770$101
45 years$7,236$4,260$2,402$1,311$699$86
46 years$6,999$4,064$2,256$1,211$634$74
47 years$6,773$3,878$2,120$1,119$576$64
48 years$6,556$3,702$1,992$1,034$523$55
49 years$6,349$3,536$1,872$955$475$47
50 years$6,151$3,377$1,760$883$432$40

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 $4,055 every year, while hoping to spend $20,236 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: 37/41/22 Blend
34$6,300,000$6,300,000$6,300,000$6,300,000
35$6,946,783$6,612,883$6,515,233$7,157,712
36$7,633,824$6,915,383$6,711,962$7,614,355
37$8,390,264$7,232,028$6,914,604$8,105,091
38$9,223,163$7,563,488$7,123,334$8,634,759
39$10,140,295$7,910,469$7,338,335$9,206,875
40$11,150,230$8,273,707$7,559,795$9,825,293
41$12,262,411$8,653,976$7,787,905$10,494,239
42$13,487,243$9,052,086$8,022,866$11,218,350
43$14,836,190$9,468,887$8,264,880$12,002,712
44$16,321,887$9,905,268$8,514,160$12,852,907
45$17,958,256$10,362,163$8,770,921$13,775,062
46$19,760,638$10,840,549$9,035,387$14,775,905
47$21,745,939$11,341,451$9,307,787$15,862,820
48$23,932,786$11,865,944$9,588,359$17,043,920
49$26,341,707$12,415,152$9,877,347$18,328,114
50$28,995,323$12,990,257$10,175,000$19,725,189
51$31,918,561$13,592,495$10,481,577$21,245,902
52$35,138,890$14,223,162$10,797,346$22,902,069
53$38,686,578$14,883,618$11,122,578$24,706,680
54$42,594,981$15,575,288$11,457,556$26,674,011
55$46,900,856$16,299,664$11,802,571$28,819,759
56$51,644,707$17,058,312$12,157,922$31,161,179
57$56,871,171$17,852,872$12,523,915$33,717,248
58$62,629,433$18,685,065$12,900,869$36,508,832
59$68,973,695$19,556,694$13,289,108$39,558,882
60$75,963,688$20,469,648$13,688,970$42,892,641
61$83,665,233$21,425,909$14,100,799$46,537,878
62$92,150,863$22,427,555$14,524,952$50,525,142
63$101,500,508$23,476,762$14,961,795$54,888,044
64$111,802,250$24,575,813$15,411,705$59,663,566
65$123,153,153$25,727,102$15,875,071$64,892,402
66$135,660,181$26,933,137$16,352,292$70,619,335
67$149,441,207$28,196,547$16,843,781$76,893,653
68$164,626,123$29,520,091$17,349,961$83,769,599
69$181,358,071$30,906,659$17,871,268$91,306,881
70$199,794,790$32,359,281$18,408,151$99,571,222
71$220,110,108$33,881,135$18,961,073$108,634,968
72$242,495,580$35,475,552$19,530,510$118,577,767
73$267,162,298$37,146,023$20,116,952$129,487,302
74$294,342,885$38,896,211$20,720,902$141,460,113
75$324,293,689$40,729,954$21,342,882$154,602,491
76$357,297,200$42,651,278$21,983,424$169,031,473
77$393,664,725$44,664,401$22,643,079$184,875,931
78$433,739,319$46,773,748$23,322,414$202,277,773
79$477,899,026$48,983,958$24,022,011$221,393,271
80$526,560,450$51,299,895$24,742,471$242,394,520
81$580,182,684$53,726,658$25,484,412$265,471,045
82$639,271,648$56,269,595$26,248,470$290,831,573
83$704,384,861$58,934,310$27,035,299$318,705,987
84$776,136,708$61,726,683$27,845,573$349,347,479
85$855,204,239$64,652,877$28,679,986$383,034,917
86$942,333,558$67,719,354$29,539,252$420,075,460
87$1,038,346,869$70,932,891$30,424,106$460,807,436
88$1,144,150,240$74,300,593$31,335,303$505,603,511
89$1,260,742,152$77,829,910$32,273,624$554,874,189
90$1,389,222,930$81,528,654$33,239,869$609,071,658
91$1,530,805,128$85,405,016$34,234,863$668,694,036
92$1,686,824,975$89,467,586$35,259,455$734,290,044
93$1,858,754,995$93,725,370$36,314,519$806,464,162
94$2,048,217,904$98,187,813$37,400,955$885,882,303
95$2,257,001,932$102,864,817$38,519,689$973,278,068
96$2,487,077,703$107,766,768$39,671,673$1,069,459,645
97$2,740,616,842$112,904,553$40,857,887$1,175,317,398
98$3,020,012,476$118,289,592$42,079,343$1,291,832,241
99$3,327,901,826$123,933,859$43,337,077$1,420,084,860
100$3,667,191,103$129,849,909$44,632,160$1,561,265,879