Can I retire at age 35 with 6,600,000?

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 $6,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$545,022$540,167$535,431$530,807$526,293$520,580
2 years$269,813$264,788$259,918$255,196$250,616$244,864
3 years$178,088$173,042$168,184$163,506$159,001$153,388
4 years$132,235$127,204$122,395$117,797$113,401$107,971
5 years$104,731$99,729$94,983$90,480$86,206$80,974
6 years$86,400$81,437$76,761$72,357$68,211$63,184
7 years$73,312$68,390$63,789$59,489$55,474$50,654
8 years$63,500$58,623$54,098$49,904$46,021$41,408
9 years$55,873$51,042$46,594$42,507$38,757$34,348
10 years$49,775$44,991$40,622$36,641$33,022$28,816
11 years$44,789$40,053$35,763$31,889$28,400$24,392
12 years$40,637$35,949$31,739$27,971$24,611$20,797
13 years$37,126$32,488$28,356$24,694$21,461$17,837
14 years$34,119$29,530$25,478$21,921$18,813$15,373
15 years$31,516$26,977$23,004$19,549$16,564$13,304
16 years$29,240$24,750$20,856$17,504$14,640$11,553
17 years$27,235$22,794$18,978$15,728$12,981$10,062
18 years$25,454$21,063$17,325$14,174$11,542$8,785
19 years$23,862$19,521$15,860$12,807$10,287$7,687
20 years$22,431$18,140$14,555$11,599$9,189$6,738
21 years$21,139$16,896$13,388$10,527$8,223$5,916
22 years$19,965$15,772$12,339$9,572$7,371$5,202
23 years$18,895$14,751$11,393$8,717$6,616$4,579
24 years$17,915$13,821$10,537$7,950$5,947$4,035
25 years$17,016$12,970$9,759$7,261$5,351$3,559
26 years$16,187$12,190$9,051$6,639$4,820$3,142
27 years$15,420$11,472$8,405$6,077$4,346$2,775
28 years$14,710$10,810$7,813$5,568$3,921$2,453
29 years$14,050$10,198$7,271$5,106$3,541$2,170
30 years$13,435$9,631$6,773$4,686$3,199$1,920
31 years$12,861$9,105$6,314$4,303$2,893$1,699
32 years$12,323$8,615$5,891$3,955$2,617$1,505
33 years$11,820$8,158$5,500$3,637$2,368$1,333
34 years$11,347$7,732$5,139$3,346$2,144$1,181
35 years$10,902$7,334$4,805$3,080$1,942$1,047
36 years$10,482$6,961$4,495$2,837$1,759$928
37 years$10,087$6,611$4,207$2,614$1,595$823
38 years$9,713$6,283$3,940$2,409$1,446$730
39 years$9,359$5,975$3,691$2,221$1,311$647
40 years$9,023$5,684$3,460$2,049$1,189$574
41 years$8,705$5,411$3,244$1,890$1,079$510
42 years$8,403$5,153$3,043$1,745$979$452
43 years$8,115$4,910$2,856$1,611$888$401
44 years$7,842$4,680$2,680$1,487$806$356
45 years$7,581$4,463$2,517$1,373$732$316
46 years$7,332$4,258$2,364$1,269$665$281
47 years$7,095$4,063$2,221$1,172$604$249
48 years$6,868$3,879$2,087$1,083$548$221
49 years$6,651$3,704$1,962$1,001$498$196
50 years$6,444$3,538$1,844$925$452$174

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,600,000, adding $2,940 every year, while hoping to spend $35,304 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: 62/33/5 Blend
34$6,600,000$6,600,000$6,600,000$6,600,000
35$7,276,233$6,926,433$6,824,133$7,721,527
36$7,980,845$7,228,265$7,015,178$8,320,596
37$8,756,145$7,543,703$7,211,440$8,969,745
38$9,609,305$7,873,378$7,413,056$9,677,299
39$10,548,228$8,217,947$7,620,168$10,448,893
40$11,581,623$8,578,102$7,832,919$11,290,724
41$12,719,084$8,954,565$8,051,458$12,209,605
42$13,971,185$9,348,093$8,275,936$13,213,030
43$15,349,575$9,759,479$8,506,508$14,309,240
44$16,867,090$10,189,552$8,743,335$15,507,303
45$18,537,876$10,639,183$8,986,580$16,817,192
46$20,377,518$11,109,281$9,236,408$18,249,880
47$22,403,189$11,600,800$9,492,993$19,817,439
48$24,633,815$12,114,740$9,756,508$21,533,154
49$27,090,248$12,652,146$10,027,135$23,411,645
50$29,795,466$13,214,114$10,305,057$25,469,000
51$32,774,790$13,801,792$10,590,463$27,722,926
52$36,056,120$14,416,382$10,883,545$30,192,912
53$39,670,203$15,059,143$11,184,503$32,900,413
54$43,650,918$15,731,395$11,493,537$35,869,042
55$48,035,598$16,434,519$11,810,857$39,124,796
56$52,865,382$17,169,964$12,136,674$42,696,296
57$58,185,604$17,939,245$12,471,205$46,615,052
58$64,046,219$18,743,951$12,814,674$50,915,756
59$70,502,276$19,585,748$13,167,308$55,636,609
60$77,614,435$20,466,377$13,529,341$60,819,673
61$85,449,545$21,387,666$13,901,011$66,511,264
62$94,081,266$22,351,530$14,282,562$72,762,387
63$103,590,773$23,359,972$14,674,246$79,629,210
64$114,067,516$24,415,095$15,076,317$87,173,590
65$125,610,067$25,519,099$15,489,038$95,463,651
66$138,327,049$26,674,290$15,912,676$104,574,422
67$152,338,163$27,883,086$16,347,506$114,588,538
68$167,775,317$29,148,018$16,793,809$125,597,014
69$184,783,868$30,471,739$17,251,870$137,700,098
70$203,523,998$31,857,030$17,721,983$151,008,211
71$224,172,225$33,306,804$18,204,449$165,642,981
72$246,923,068$34,824,113$18,699,574$181,738,383
73$271,990,883$36,412,157$19,207,672$199,441,999
74$299,611,887$38,074,287$19,729,063$218,916,399
75$330,046,389$39,814,017$20,264,076$240,340,669
76$363,581,244$41,635,027$20,813,046$263,912,092
77$400,532,563$43,541,175$21,376,315$289,848,001
78$441,248,697$45,536,505$21,954,233$318,387,821
79$486,113,523$47,625,253$22,547,159$349,795,319
80$535,550,071$49,811,859$23,155,458$384,361,082
81$590,024,516$52,100,978$23,779,504$422,405,249
82$650,050,577$54,497,486$24,419,677$464,280,523
83$716,194,368$57,006,495$25,076,369$510,375,484
84$789,079,743$59,633,363$25,749,977$561,118,252
85$869,394,183$62,383,704$26,440,907$616,980,504
86$957,895,287$65,263,403$27,149,575$678,481,923
87$1,055,417,926$68,278,629$27,876,405$746,195,082
88$1,162,882,119$71,435,846$28,621,829$820,750,838
89$1,281,301,724$74,741,831$29,386,289$902,844,267
90$1,411,794,006$78,203,687$30,170,236$993,241,211
91$1,555,590,185$81,828,859$30,974,130$1,092,785,491
92$1,714,047,060$85,625,149$31,798,439$1,202,406,853
93$1,888,659,817$89,600,738$32,643,644$1,323,129,723
94$2,081,076,143$93,764,199$33,510,231$1,456,082,862
95$2,293,111,785$98,124,520$34,398,699$1,602,509,998
96$2,526,767,688$102,691,122$35,309,556$1,763,781,544
97$2,784,248,885$107,473,880$36,243,319$1,941,407,514
98$3,067,985,318$112,483,147$37,200,517$2,137,051,751
99$3,380,654,773$117,729,773$38,181,686$2,352,547,612
100$3,725,208,163$123,225,135$39,187,376$2,589,915,246