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%18.7%
1 years$520,248$515,614$511,093$506,680$502,371$484,739
2 years$257,549$252,752$248,103$243,596$239,224$221,646
3 years$169,994$165,176$160,539$156,074$151,774$134,801
4 years$126,225$121,422$116,831$112,443$108,246$92,009
5 years$99,970$95,196$90,666$86,367$82,287$66,827
6 years$82,473$77,735$73,272$69,068$65,111$50,441
7 years$69,980$65,282$60,889$56,785$52,953$39,069
8 years$60,614$55,958$51,639$47,635$43,929$30,822
9 years$53,333$48,722$44,476$40,575$36,995$24,646
10 years$47,512$42,946$38,776$34,976$31,521$19,910
11 years$42,753$38,232$34,137$30,439$27,110$16,213
12 years$38,789$34,315$30,296$26,700$23,493$13,284
13 years$35,438$31,011$27,068$23,572$20,486$10,939
14 years$32,569$28,188$24,320$20,924$17,958$9,044
15 years$30,084$25,750$21,958$18,661$15,812$7,501
16 years$27,911$23,625$19,908$16,709$13,974$6,238
17 years$25,997$21,758$18,116$15,013$12,391$5,199
18 years$24,297$20,106$16,537$13,529$11,017$4,341
19 years$22,777$18,634$15,139$12,225$9,820$3,629
20 years$21,412$17,315$13,894$11,072$8,771$3,038
21 years$20,178$16,128$12,780$10,049$7,849$2,546
22 years$19,057$15,055$11,778$9,136$7,036$2,136
23 years$18,036$14,081$10,875$8,321$6,316$1,793
24 years$17,101$13,193$10,058$7,589$5,677$1,506
25 years$16,242$12,381$9,316$6,931$5,108$1,265
26 years$15,451$11,636$8,640$6,337$4,601$1,063
27 years$14,719$10,951$8,023$5,801$4,148$894
28 years$14,041$10,319$7,458$5,315$3,743$752
29 years$13,411$9,735$6,940$4,874$3,380$633
30 years$12,824$9,193$6,465$4,473$3,054$533
31 years$12,276$8,691$6,027$4,108$2,761$448
32 years$11,763$8,223$5,623$3,775$2,498$377
33 years$11,282$7,788$5,250$3,472$2,260$318
34 years$10,831$7,381$4,906$3,194$2,047$267
35 years$10,406$7,001$4,586$2,940$1,854$225
36 years$10,006$6,645$4,291$2,708$1,679$190
37 years$9,628$6,311$4,016$2,495$1,522$160
38 years$9,271$5,998$3,761$2,300$1,380$135
39 years$8,933$5,703$3,523$2,121$1,251$113
40 years$8,613$5,426$3,302$1,956$1,135$95
41 years$8,309$5,165$3,097$1,805$1,030$80
42 years$8,021$4,919$2,905$1,665$934$68
43 years$7,746$4,687$2,726$1,537$848$57
44 years$7,485$4,468$2,559$1,419$770$48
45 years$7,236$4,260$2,402$1,311$699$40
46 years$6,999$4,064$2,256$1,211$634$34
47 years$6,773$3,878$2,120$1,119$576$29
48 years$6,556$3,702$1,992$1,034$523$24
49 years$6,349$3,536$1,872$955$475$20
50 years$6,151$3,377$1,760$883$432$17

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 $4,182 every year, while hoping to spend $43,640 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: 52/18/30 Blend
34$6,300,000$6,300,000$6,300,000$6,300,000
35$6,946,914$6,613,014$6,515,364$7,249,307
36$7,609,066$6,890,619$6,687,196$7,738,090
37$8,337,296$7,180,364$6,863,322$8,264,817
38$9,138,296$7,482,798$7,043,839$8,837,006
39$10,019,442$7,798,495$7,228,847$9,459,022
40$10,988,860$8,128,055$7,418,448$10,135,666
41$12,055,502$8,472,109$7,612,745$10,872,219
42$13,229,234$8,831,313$7,811,843$11,674,493
43$14,520,925$9,206,356$8,015,849$12,548,878
44$15,942,551$9,597,960$8,224,871$13,502,407
45$17,507,309$10,006,877$8,439,022$14,542,819
46$19,229,738$10,433,898$8,658,413$15,678,632
47$21,125,860$10,879,848$8,883,159$16,919,216
48$23,213,330$11,345,592$9,113,377$18,274,888
49$25,511,600$11,832,036$9,349,185$19,757,004
50$28,042,104$12,340,127$9,590,703$21,378,062
51$30,828,461$12,870,856$9,838,055$23,151,822
52$33,896,699$13,425,262$10,091,364$25,093,434
53$37,275,493$14,004,432$10,350,756$27,219,574
54$40,996,447$14,609,502$10,616,360$29,548,608
55$45,094,382$15,241,665$10,888,305$32,100,754
56$49,607,670$15,902,168$11,166,724$34,898,278
57$54,578,594$16,592,315$11,451,751$37,965,698
58$60,053,746$17,313,474$11,743,520$41,330,013
59$66,084,470$18,067,077$12,042,170$45,020,959
60$72,727,343$18,854,621$12,347,840$49,071,283
61$80,044,711$19,677,675$12,660,671$53,517,051
62$88,105,274$20,537,884$12,980,806$58,397,987
63$96,984,738$21,436,967$13,308,389$63,757,843
64$106,766,529$22,376,726$13,643,568$69,644,810
65$117,542,576$23,359,047$13,986,489$76,111,972
66$129,414,186$24,385,907$14,337,303$83,217,799
67$142,492,991$25,459,374$14,696,161$91,026,700
68$156,902,008$26,581,616$15,063,214$99,609,625
69$172,776,799$27,754,901$15,438,619$109,044,733
70$190,266,749$28,981,608$15,822,529$119,418,125
71$209,536,475$30,264,224$16,215,101$130,824,651
72$230,767,383$31,605,359$16,616,494$143,368,807
73$254,159,376$33,007,741$17,026,867$157,165,710
74$279,932,745$34,474,233$17,446,379$172,342,185
75$308,330,244$36,007,829$17,875,192$189,037,957
76$339,619,385$37,611,670$18,313,467$207,406,963
77$374,094,962$39,289,041$18,761,368$227,618,804
78$412,081,831$41,043,387$19,219,057$249,860,337
79$453,937,981$42,878,315$19,686,698$274,337,435
80$500,057,907$44,797,605$20,164,454$301,276,925
81$550,876,340$46,805,215$20,652,490$330,928,724
82$606,872,349$48,905,292$21,150,970$363,568,192
83$668,573,858$51,102,181$21,660,058$399,498,723
84$736,562,639$53,400,435$22,179,917$439,054,604
85$811,479,794$55,804,822$22,710,710$482,604,165
86$894,031,813$58,320,339$23,252,599$530,553,247
87$984,997,242$60,952,220$23,805,745$583,349,027
88$1,085,234,032$63,705,949$24,370,309$641,484,231
89$1,195,687,637$66,587,275$24,946,448$705,501,777
90$1,317,399,942$69,602,217$25,534,320$775,999,891
91$1,451,519,094$72,757,084$26,134,078$853,637,749
92$1,599,310,348$76,058,487$26,745,876$939,141,686
93$1,762,168,003$79,513,353$27,369,862$1,033,312,049
94$1,941,628,571$83,128,939$28,006,184$1,137,030,736
95$2,139,385,279$86,912,851$28,654,985$1,251,269,514
96$2,357,304,055$90,873,058$29,316,405$1,377,099,184
97$2,597,441,143$95,017,911$29,990,578$1,515,699,676
98$2,862,062,513$99,356,163$30,677,637$1,668,371,175
99$3,153,665,259$103,896,985$31,377,707$1,836,546,387
100$3,475,001,164$108,649,986$32,090,909$2,021,804,046