Can I retire at age 35 with 6,400,000?

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 $6,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$528,506$523,798$519,205$514,722$510,345$501,272
2 years$261,637$256,764$252,041$247,463$243,021$233,911
3 years$172,692$167,798$163,088$158,552$154,183$145,319
4 years$128,228$123,349$118,686$114,228$109,964$101,416
5 years$101,557$96,707$92,105$87,738$83,593$75,385
6 years$83,782$78,969$74,435$70,165$66,144$58,285
7 years$71,090$66,318$61,856$57,686$53,793$46,284
8 years$61,576$56,847$52,458$48,392$44,627$37,467
9 years$54,180$49,495$45,182$41,219$37,582$30,768
10 years$48,267$43,628$39,391$35,531$32,022$25,546
11 years$43,432$38,839$34,679$30,923$27,540$21,396
12 years$39,405$34,860$30,777$27,123$23,865$18,046
13 years$36,001$31,503$27,497$23,946$20,811$15,306
14 years$33,086$28,636$24,706$21,256$18,243$13,043
15 years$30,561$26,159$22,306$18,957$16,062$11,157
16 years$28,354$24,000$20,224$16,974$14,196$9,575
17 years$26,409$22,104$18,403$15,251$12,587$8,239
18 years$24,682$20,425$16,800$13,744$11,192$7,106
19 years$23,139$18,929$15,379$12,419$9,976$6,141
20 years$21,752$17,590$14,114$11,248$8,910$5,316
21 years$20,498$16,384$12,982$10,208$7,974$4,608
22 years$19,360$15,294$11,965$9,282$7,147$3,999
23 years$18,322$14,304$11,048$8,453$6,416$3,475
24 years$17,373$13,402$10,217$7,709$5,767$3,022
25 years$16,500$12,577$9,463$7,041$5,189$2,630
26 years$15,696$11,821$8,777$6,438$4,674$2,290
27 years$14,953$11,125$8,150$5,893$4,214$1,996
28 years$14,264$10,483$7,577$5,399$3,803$1,740
29 years$13,624$9,889$7,051$4,951$3,434$1,518
30 years$13,028$9,339$6,567$4,544$3,103$1,324
31 years$12,471$8,829$6,123$4,173$2,805$1,156
32 years$11,950$8,354$5,712$3,835$2,537$1,009
33 years$11,461$7,911$5,334$3,527$2,296$881
34 years$11,003$7,498$4,984$3,245$2,079$770
35 years$10,571$7,112$4,659$2,987$1,883$673
36 years$10,165$6,750$4,359$2,751$1,706$588
37 years$9,781$6,411$4,080$2,535$1,546$514
38 years$9,418$6,093$3,820$2,336$1,402$449
39 years$9,075$5,794$3,579$2,154$1,271$393
40 years$8,750$5,512$3,355$1,987$1,153$343
41 years$8,441$5,247$3,146$1,833$1,046$300
42 years$8,148$4,997$2,951$1,692$949$262
43 years$7,869$4,761$2,769$1,562$861$230
44 years$7,604$4,538$2,599$1,442$782$201
45 years$7,351$4,328$2,441$1,332$710$176
46 years$7,110$4,129$2,292$1,230$645$154
47 years$6,880$3,940$2,153$1,137$585$134
48 years$6,660$3,761$2,024$1,050$532$117
49 years$6,450$3,592$1,902$971$483$103
50 years$6,249$3,431$1,788$897$438$90

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,400,000, adding $2,622 every year, while hoping to spend $23,025 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: 56/24/20 Blend
34$6,400,000$6,400,000$6,400,000$6,400,000
35$7,055,505$6,716,305$6,617,105$7,412,541
36$7,750,668$7,020,905$6,814,279$7,961,038
37$8,515,966$7,339,659$7,017,287$8,555,589
38$9,358,528$7,673,237$7,226,300$9,202,795
39$10,286,211$8,022,338$7,441,494$9,907,719
40$11,307,670$8,387,698$7,663,050$10,675,925
41$12,432,444$8,770,088$7,891,155$11,513,531
42$13,671,045$9,170,313$8,125,999$12,427,268
43$15,035,053$9,589,220$8,367,782$13,424,535
44$16,537,231$10,027,694$8,616,705$14,513,474
45$18,191,642$10,486,665$8,872,979$15,703,042
46$20,013,783$10,967,105$9,136,817$17,003,089
47$22,020,731$11,470,035$9,408,441$18,424,458
48$24,231,301$11,996,522$9,688,080$19,979,077
49$26,666,230$12,547,688$9,975,967$21,680,073
50$29,348,366$13,124,706$10,272,343$23,541,892
51$32,302,890$13,728,806$10,577,456$25,580,432
52$35,557,546$14,361,279$10,891,562$27,813,195
53$39,142,909$15,023,475$11,214,923$30,259,444
54$43,092,672$15,716,812$11,547,809$32,940,382
55$47,443,962$16,442,773$11,890,499$35,879,354
56$52,237,692$17,202,915$12,243,277$39,102,059
57$57,518,948$17,998,870$12,606,438$42,636,791
58$63,337,413$18,832,346$12,980,285$46,514,703
59$69,747,833$19,705,135$13,365,129$50,770,098
60$76,810,542$20,619,116$13,761,290$55,440,747
61$84,592,022$21,576,258$14,169,099$60,568,241
62$93,165,538$22,578,625$14,588,893$66,198,383
63$102,611,824$23,628,378$15,021,022$72,381,613
64$113,019,849$24,727,787$15,465,845$79,173,479
65$124,487,653$25,879,228$15,923,730$86,635,161
66$137,123,275$27,085,193$16,395,057$94,834,037
67$151,045,775$28,348,293$16,880,217$103,844,319
68$166,386,351$29,671,266$17,379,612$113,747,744
69$183,289,585$31,056,984$17,893,654$124,634,346
70$201,914,800$32,508,454$18,422,770$136,603,291
71$222,437,573$34,028,831$18,967,395$149,763,816
72$245,051,383$35,621,421$19,527,981$164,236,247
73$269,969,445$37,289,692$20,104,989$180,153,131
74$297,426,718$39,037,276$20,698,896$197,660,480
75$327,682,125$40,867,985$21,310,191$216,919,140
76$361,020,997$42,785,812$21,939,378$238,106,305
77$397,757,766$44,794,944$22,586,974$261,417,179
78$438,238,933$46,899,771$23,253,512$287,066,809
79$482,846,340$49,104,895$23,939,541$315,292,111
80$532,000,774$51,415,143$24,645,623$346,354,092
81$586,165,940$53,835,572$25,372,339$380,540,307
82$645,852,838$56,371,486$26,120,283$418,167,562
83$711,624,584$59,028,446$26,890,070$459,584,897
84$784,101,734$61,812,282$27,682,329$505,176,864
85$863,968,133$64,729,106$28,497,710$555,367,154
86$951,977,378$67,785,328$29,336,879$610,622,576
87$1,048,959,928$70,987,666$30,200,521$671,457,458
88$1,155,830,944$74,343,165$31,089,342$738,438,483
89$1,273,598,933$77,859,213$32,004,068$812,190,031
90$1,403,375,264$81,543,554$32,945,444$893,400,054
91$1,546,384,661$85,404,309$33,914,236$982,826,558
92$1,703,976,769$89,449,992$34,911,235$1,081,304,741
93$1,877,638,888$93,689,531$35,937,251$1,189,754,863
94$2,069,010,024$98,132,286$36,993,117$1,309,190,916
95$2,279,896,352$102,788,074$38,079,693$1,440,730,175
96$2,512,288,275$107,667,185$39,197,858$1,585,603,733
97$2,768,379,214$112,780,412$40,348,521$1,745,168,095
98$3,050,586,311$118,139,069$41,532,613$1,920,917,973
99$3,361,573,252$123,755,021$42,751,093$2,114,500,365
100$3,704,275,417$129,640,710$44,004,948$2,327,730,089