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%17.3%
1 years$520,248$515,614$511,093$506,680$502,371$487,461
2 years$257,549$252,752$248,103$243,596$239,224$224,326
3 years$169,994$165,176$160,539$156,074$151,774$137,355
4 years$126,225$121,422$116,831$112,443$108,246$94,416
5 years$99,970$95,196$90,666$86,367$82,287$69,084
6 years$82,473$77,735$73,272$69,068$65,111$52,546
7 years$69,980$65,282$60,889$56,785$52,953$41,026
8 years$60,614$55,958$51,639$47,635$43,929$32,634
9 years$53,333$48,722$44,476$40,575$36,995$26,319
10 years$47,512$42,946$38,776$34,976$31,521$21,450
11 years$42,753$38,232$34,137$30,439$27,110$17,625
12 years$38,789$34,315$30,296$26,700$23,493$14,576
13 years$35,438$31,011$27,068$23,572$20,486$12,118
14 years$32,569$28,188$24,320$20,924$17,958$10,116
15 years$30,084$25,750$21,958$18,661$15,812$8,474
16 years$27,911$23,625$19,908$16,709$13,974$7,119
17 years$25,997$21,758$18,116$15,013$12,391$5,994
18 years$24,297$20,106$16,537$13,529$11,017$5,057
19 years$22,777$18,634$15,139$12,225$9,820$4,274
20 years$21,412$17,315$13,894$11,072$8,771$3,616
21 years$20,178$16,128$12,780$10,049$7,849$3,064
22 years$19,057$15,055$11,778$9,136$7,036$2,598
23 years$18,036$14,081$10,875$8,321$6,316$2,205
24 years$17,101$13,193$10,058$7,589$5,677$1,872
25 years$16,242$12,381$9,316$6,931$5,108$1,591
26 years$15,451$11,636$8,640$6,337$4,601$1,353
27 years$14,719$10,951$8,023$5,801$4,148$1,150
28 years$14,041$10,319$7,458$5,315$3,743$979
29 years$13,411$9,735$6,940$4,874$3,380$833
30 years$12,824$9,193$6,465$4,473$3,054$709
31 years$12,276$8,691$6,027$4,108$2,761$604
32 years$11,763$8,223$5,623$3,775$2,498$514
33 years$11,282$7,788$5,250$3,472$2,260$438
34 years$10,831$7,381$4,906$3,194$2,047$373
35 years$10,406$7,001$4,586$2,940$1,854$318
36 years$10,006$6,645$4,291$2,708$1,679$271
37 years$9,628$6,311$4,016$2,495$1,522$231
38 years$9,271$5,998$3,761$2,300$1,380$197
39 years$8,933$5,703$3,523$2,121$1,251$168
40 years$8,613$5,426$3,302$1,956$1,135$143
41 years$8,309$5,165$3,097$1,805$1,030$122
42 years$8,021$4,919$2,905$1,665$934$104
43 years$7,746$4,687$2,726$1,537$848$88
44 years$7,485$4,468$2,559$1,419$770$75
45 years$7,236$4,260$2,402$1,311$699$64
46 years$6,999$4,064$2,256$1,211$634$55
47 years$6,773$3,878$2,120$1,119$576$47
48 years$6,556$3,702$1,992$1,034$523$40
49 years$6,349$3,536$1,872$955$475$34
50 years$6,151$3,377$1,760$883$432$29

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 $2,298 every year, while hoping to spend $41,905 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: 62/30/8 Blend
34$6,300,000$6,300,000$6,300,000$6,300,000
35$6,944,970$6,611,070$6,513,420$7,363,924
36$7,608,771$6,890,426$6,687,033$7,923,512
37$8,338,874$7,182,066$6,865,058$8,528,959
38$9,142,000$7,486,547$7,047,598$9,188,716
39$10,025,550$7,804,454$7,234,758$9,908,033
40$10,997,680$8,136,397$7,426,647$10,692,683
41$12,067,378$8,483,015$7,623,374$11,549,018
42$13,244,545$8,844,977$7,825,051$12,484,022
43$14,540,091$9,222,983$8,031,793$13,505,379
44$15,966,038$9,617,767$8,243,716$14,621,544
45$17,535,631$10,030,095$8,460,938$15,841,818
46$19,263,467$10,460,771$8,683,580$17,176,436
47$21,165,626$10,910,635$8,911,766$18,636,660
48$23,259,830$11,380,566$9,145,621$20,234,886
49$25,565,606$11,871,486$9,385,271$21,984,755
50$28,104,468$12,384,360$9,630,849$23,901,282
51$30,900,126$12,920,196$9,882,485$26,000,996
52$33,978,705$13,480,052$10,140,314$28,302,088
53$37,368,993$14,065,034$10,404,474$30,824,589
54$41,102,710$14,676,300$10,675,103$33,590,546
55$45,214,811$15,315,064$10,952,345$36,624,238
56$49,743,815$15,982,596$11,236,342$39,952,392
57$54,732,166$16,680,225$11,527,241$43,604,439
58$60,226,635$17,409,344$11,825,192$47,612,785
59$66,278,762$18,171,411$12,130,345$52,013,117
60$72,945,338$18,967,953$12,442,855$56,844,730
61$80,288,950$19,800,570$12,762,877$62,150,901
62$88,378,560$20,670,934$13,090,570$67,979,289
63$97,290,164$21,580,802$13,426,096$74,382,384
64$107,107,507$22,532,008$13,769,617$81,417,994
65$117,922,873$23,526,476$14,121,298$89,149,790
66$129,837,953$24,566,220$14,481,309$97,647,901
67$142,964,810$25,653,351$14,849,819$106,989,571
68$157,426,934$26,790,078$15,227,001$117,259,882
69$173,360,404$27,978,715$15,613,029$128,552,553
70$190,915,181$29,221,688$16,008,081$140,970,820
71$210,256,513$30,521,534$16,412,335$154,628,402
72$231,566,503$31,880,914$16,825,973$169,650,571
73$255,045,822$33,302,615$17,249,179$186,175,326
74$280,915,607$34,789,554$17,682,138$204,354,692
75$309,419,546$36,344,789$18,125,037$224,356,142
76$340,826,179$37,971,523$18,578,065$246,364,179
77$375,431,432$39,673,111$19,041,413$270,582,064
78$413,561,412$41,453,068$19,515,275$297,233,726
79$455,575,484$43,315,076$19,999,844$326,565,875
80$501,869,661$45,262,992$20,495,316$358,850,314
81$552,880,347$47,300,859$21,001,890$394,386,498
82$609,088,452$49,432,911$21,519,763$433,504,355
83$671,023,935$51,663,584$22,049,136$476,567,388
84$739,270,803$53,997,527$22,590,209$523,976,092
85$814,472,628$56,439,609$23,143,184$576,171,732
86$897,338,621$58,994,934$23,708,265$633,640,492
87$988,650,322$61,668,848$24,285,654$696,918,052
88$1,089,268,986$64,466,953$24,875,555$766,594,636
89$1,200,143,709$67,395,120$25,478,172$843,320,568
90$1,322,320,386$70,459,500$26,093,710$927,812,399
91$1,456,951,588$73,666,538$26,722,371$1,020,859,658
92$1,605,307,440$77,022,988$27,364,360$1,123,332,288
93$1,768,787,612$80,535,928$28,019,880$1,236,188,845
94$1,948,934,535$84,212,774$28,689,132$1,360,485,529
95$2,147,447,957$88,061,300$29,372,318$1,497,386,141
96$2,366,200,995$92,089,650$30,069,636$1,648,173,048
97$2,607,257,812$96,306,359$30,781,286$1,814,259,273
98$2,872,893,111$100,720,372$31,507,461$1,997,201,816
99$3,165,613,603$105,341,065$32,248,355$2,198,716,329
100$3,488,181,676$110,178,262$33,004,160$2,420,693,294