Can I retire at age 35 with 6,500,000?

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 $6,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$536,764$531,983$527,318$522,765$518,319$503,950
2 years$265,725$260,776$255,980$251,329$246,819$232,449
3 years$175,390$170,420$165,636$161,029$156,592$142,672
4 years$130,232$125,277$120,540$116,012$111,683$98,319
5 years$103,144$98,218$93,544$89,109$84,899$72,129
6 years$85,091$80,203$75,598$71,261$67,178$55,013
7 years$72,201$67,354$62,822$58,588$54,634$43,075
8 years$62,538$57,735$53,278$49,148$45,324$34,364
9 years$55,027$50,269$45,888$41,863$38,169$27,798
10 years$49,021$44,309$40,007$36,086$32,522$22,727
11 years$44,110$39,446$35,221$31,406$27,970$18,734
12 years$40,021$35,405$31,258$27,547$24,238$15,545
13 years$36,563$31,995$27,927$24,320$21,136$12,967
14 years$33,602$29,083$25,092$21,589$18,528$10,862
15 years$31,039$26,568$22,655$19,253$16,313$9,131
16 years$28,797$24,375$20,540$17,239$14,418$7,699
17 years$26,822$22,449$18,691$15,489$12,784$6,506
18 years$25,068$20,744$17,062$13,959$11,367$5,509
19 years$23,500$19,225$15,620$12,613$10,132$4,673
20 years$22,091$17,865$14,335$11,424$9,050$3,970
21 years$20,818$16,640$13,185$10,368$8,098$3,376
22 years$19,662$15,533$12,152$9,427$7,259$2,874
23 years$18,609$14,528$11,221$8,585$6,516$2,448
24 years$17,644$13,612$10,377$7,830$5,857$2,088
25 years$16,758$12,774$9,611$7,151$5,270$1,781
26 years$15,941$12,005$8,914$6,538$4,747$1,520
27 years$15,187$11,299$8,277$5,985$4,280$1,298
28 years$14,487$10,647$7,695$5,483$3,862$1,109
29 years$13,837$10,044$7,161$5,028$3,487$948
30 years$13,231$9,485$6,670$4,615$3,151$810
31 years$12,666$8,967$6,218$4,238$2,849$693
32 years$12,137$8,484$5,802$3,895$2,577$592
33 years$11,641$8,035$5,417$3,582$2,332$507
34 years$11,175$7,615$5,061$3,296$2,111$433
35 years$10,736$7,223$4,732$3,034$1,912$371
36 years$10,324$6,856$4,427$2,794$1,733$317
37 years$9,934$6,511$4,143$2,574$1,570$271
38 years$9,565$6,188$3,880$2,373$1,424$232
39 years$9,217$5,884$3,635$2,188$1,291$199
40 years$8,887$5,598$3,407$2,018$1,171$170
41 years$8,573$5,329$3,195$1,862$1,062$146
42 years$8,275$5,075$2,997$1,718$964$125
43 years$7,992$4,836$2,812$1,586$875$107
44 years$7,723$4,609$2,640$1,465$794$91
45 years$7,466$4,395$2,479$1,353$721$78
46 years$7,221$4,193$2,328$1,249$655$67
47 years$6,988$4,002$2,187$1,154$594$57
48 years$6,764$3,820$2,055$1,067$540$49
49 years$6,551$3,648$1,932$986$490$42
50 years$6,346$3,485$1,816$911$445$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,500,000, adding $2,587 every year, while hoping to spend $22,766 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: 38/48/14 Blend
34$6,500,000$6,500,000$6,500,000$6,500,000
35$7,165,668$6,821,168$6,720,418$7,407,489
36$7,872,344$7,131,183$6,921,330$7,890,385
37$8,650,337$7,455,625$7,128,208$8,409,525
38$9,506,898$7,795,178$7,341,230$8,970,065
39$10,450,017$8,150,557$7,560,577$9,575,738
40$11,488,497$8,522,512$7,786,434$10,230,634
41$12,632,038$8,911,829$8,018,994$10,939,239
42$13,891,328$9,319,331$8,258,453$11,706,472
43$15,278,148$9,745,883$8,505,015$12,537,730
44$16,805,475$10,192,387$8,758,889$13,438,934
45$18,487,611$10,659,792$9,020,290$14,416,581
46$20,340,317$11,149,091$9,289,439$15,477,802
47$22,380,958$11,661,325$9,566,564$16,630,428
48$24,628,672$12,197,586$9,851,899$17,883,056
49$27,104,545$12,759,016$10,145,686$19,245,126
50$29,831,815$13,346,814$10,448,173$20,727,009
51$32,836,089$13,962,237$10,759,616$22,340,098
52$36,145,584$14,606,600$11,080,277$24,096,910
53$39,791,394$15,281,284$11,410,427$26,011,199
54$43,807,783$15,987,735$11,750,344$28,098,084
55$48,232,512$16,727,468$12,100,315$30,374,180
56$53,107,187$17,502,073$12,460,634$32,857,755
57$58,477,660$18,313,215$12,831,605$35,568,891
58$64,394,457$19,162,639$13,213,540$38,529,671
59$70,913,259$20,052,175$13,606,761$41,764,380
60$78,095,421$20,983,741$14,011,597$45,299,725
61$86,008,558$21,959,348$14,428,389$49,165,081
62$94,727,178$22,981,103$14,857,487$53,392,761
63$104,333,388$24,051,215$15,299,251$58,018,313
64$114,917,668$25,171,999$15,754,051$63,080,847
65$126,579,727$26,345,884$16,222,268$68,623,394
66$139,429,440$27,575,414$16,704,295$74,693,302
67$153,587,889$28,863,255$17,200,536$81,342,679
68$169,188,505$30,212,205$17,711,404$88,628,868
69$186,378,325$31,625,196$18,237,329$96,614,979
70$205,319,383$33,105,299$18,778,748$105,370,479
71$226,190,238$34,655,738$19,336,115$114,971,827
72$249,187,662$36,279,888$19,909,894$125,503,192
73$274,528,493$37,981,292$20,500,565$137,057,229
74$302,451,684$39,763,660$21,108,619$149,735,943
75$333,220,562$41,630,885$21,734,563$163,651,637
76$367,125,307$43,587,047$22,378,919$178,927,958
77$404,485,699$45,636,422$23,042,223$195,701,047
78$445,654,128$47,783,496$23,725,026$214,120,810
79$491,018,931$50,032,969$24,427,896$234,352,316
80$541,008,048$52,389,770$25,151,417$256,577,336
81$596,093,069$54,859,069$25,896,189$280,996,041
82$656,793,681$57,446,282$26,662,830$307,828,875
83$723,682,578$60,157,091$27,451,976$337,318,610
84$797,390,864$62,997,451$28,264,281$369,732,622
85$878,614,014$65,973,609$29,100,416$405,365,390
86$968,118,438$69,092,110$29,961,075$444,541,253
87$1,066,748,716$72,359,821$30,846,968$487,617,446
88$1,175,435,571$75,783,938$31,758,827$534,987,451
89$1,295,204,658$79,372,010$32,697,407$587,084,679
90$1,427,186,243$83,131,948$33,663,480$644,386,537
91$1,572,625,878$87,072,052$34,657,844$707,418,907
92$1,732,896,154$91,201,019$35,681,319$776,761,073
93$1,909,509,666$95,527,973$36,734,747$853,051,166
94$2,104,133,285$100,062,477$37,818,995$936,992,145
95$2,318,603,904$104,814,562$38,934,954$1,029,358,408
96$2,554,945,769$109,794,743$40,083,543$1,131,003,056
97$2,815,389,600$115,014,047$41,265,704$1,242,865,914
98$3,102,393,641$120,484,037$42,482,406$1,365,982,360
99$3,418,666,875$126,216,838$43,734,649$1,501,493,055
100$3,767,194,594$132,225,161$45,023,459$1,650,654,673