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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.1%
1 years$545,022$540,167$535,431$530,807$526,293$513,154
2 years$269,813$264,788$259,918$255,196$250,616$237,461
3 years$178,088$173,042$168,184$163,506$159,001$146,243
4 years$132,235$127,204$122,395$117,797$113,401$101,137
5 years$104,731$99,729$94,983$90,480$86,206$74,470
6 years$86,400$81,437$76,761$72,357$68,211$57,016
7 years$73,312$68,390$63,789$59,489$55,474$44,820
8 years$63,500$58,623$54,098$49,904$46,021$35,904
9 years$55,873$51,042$46,594$42,507$38,757$29,167
10 years$49,775$44,991$40,622$36,641$33,022$23,950
11 years$44,789$40,053$35,763$31,889$28,400$19,831
12 years$40,637$35,949$31,739$27,971$24,611$16,531
13 years$37,126$32,488$28,356$24,694$21,461$13,854
14 years$34,119$29,530$25,478$21,921$18,813$11,662
15 years$31,516$26,977$23,004$19,549$16,564$9,852
16 years$29,240$24,750$20,856$17,504$14,640$8,348
17 years$27,235$22,794$18,978$15,728$12,981$7,091
18 years$25,454$21,063$17,325$14,174$11,542$6,036
19 years$23,862$19,521$15,860$12,807$10,287$5,146
20 years$22,431$18,140$14,555$11,599$9,189$4,395
21 years$21,139$16,896$13,388$10,527$8,223$3,758
22 years$19,965$15,772$12,339$9,572$7,371$3,216
23 years$18,895$14,751$11,393$8,717$6,616$2,755
24 years$17,915$13,821$10,537$7,950$5,947$2,362
25 years$17,016$12,970$9,759$7,261$5,351$2,027
26 years$16,187$12,190$9,051$6,639$4,820$1,740
27 years$15,420$11,472$8,405$6,077$4,346$1,494
28 years$14,710$10,810$7,813$5,568$3,921$1,284
29 years$14,050$10,198$7,271$5,106$3,541$1,103
30 years$13,435$9,631$6,773$4,686$3,199$949
31 years$12,861$9,105$6,314$4,303$2,893$816
32 years$12,323$8,615$5,891$3,955$2,617$702
33 years$11,820$8,158$5,500$3,637$2,368$604
34 years$11,347$7,732$5,139$3,346$2,144$519
35 years$10,902$7,334$4,805$3,080$1,942$447
36 years$10,482$6,961$4,495$2,837$1,759$385
37 years$10,087$6,611$4,207$2,614$1,595$331
38 years$9,713$6,283$3,940$2,409$1,446$285
39 years$9,359$5,975$3,691$2,221$1,311$245
40 years$9,023$5,684$3,460$2,049$1,189$211
41 years$8,705$5,411$3,244$1,890$1,079$182
42 years$8,403$5,153$3,043$1,745$979$157
43 years$8,115$4,910$2,856$1,611$888$135
44 years$7,842$4,680$2,680$1,487$806$116
45 years$7,581$4,463$2,517$1,373$732$100
46 years$7,332$4,258$2,364$1,269$665$86
47 years$7,095$4,063$2,221$1,172$604$74
48 years$6,868$3,879$2,087$1,083$548$64
49 years$6,651$3,704$1,962$1,001$498$55
50 years$6,444$3,538$1,844$925$452$47

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 $4,812 every year, while hoping to spend $37,799 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: 67/22/11 Blend
34$6,600,000$6,600,000$6,600,000$6,600,000
35$7,278,164$6,928,364$6,826,064$7,748,297
36$7,980,318$7,227,636$7,014,519$8,360,958
37$8,752,826$7,540,305$7,208,021$9,025,592
38$9,602,823$7,866,988$7,406,698$9,751,266
39$10,538,172$8,208,331$7,610,683$10,543,948
40$11,567,535$8,565,010$7,820,111$11,410,206
41$12,700,460$8,937,731$8,035,121$12,357,269
42$13,947,463$9,327,237$8,255,854$13,393,088
43$15,320,135$9,734,302$8,482,456$14,526,417
44$16,831,246$10,159,740$8,715,074$15,766,888
45$18,494,866$10,604,400$8,953,862$17,125,105
46$20,326,501$11,069,174$9,198,975$18,612,739
47$22,343,234$11,554,994$9,450,572$20,242,638
48$24,563,893$12,062,838$9,708,815$22,028,945
49$27,009,221$12,593,727$9,973,871$23,987,232
50$29,702,076$13,148,735$10,245,910$26,134,643
51$32,667,647$13,728,982$10,525,107$28,490,055
52$35,933,689$14,335,644$10,811,640$31,074,251
53$39,530,786$14,969,952$11,105,691$33,910,119
54$43,492,641$15,633,194$11,407,446$37,022,861
55$47,856,391$16,326,721$11,717,096$40,440,230
56$52,662,960$17,051,947$12,034,836$44,192,791
57$57,957,443$17,810,354$12,360,864$48,314,204
58$63,789,534$18,603,493$12,695,385$52,841,542
59$70,213,991$19,432,989$13,038,605$57,815,633
60$77,291,158$20,300,545$13,390,738$63,281,449
61$85,087,529$21,207,944$13,752,000$69,288,523
62$93,676,379$22,157,055$14,122,614$75,891,411
63$103,138,454$23,149,836$14,502,806$83,150,210
64$113,562,734$24,188,335$14,892,808$91,131,118
65$125,047,271$25,274,702$15,292,856$99,907,053
66$137,700,117$26,411,187$15,703,191$109,558,340
67$151,640,342$27,600,148$16,124,060$120,173,466
68$166,999,155$28,844,054$16,555,715$131,849,908
69$183,921,150$30,145,494$16,998,413$144,695,051
70$202,565,663$31,507,179$17,452,415$158,827,196
71$223,108,280$32,931,949$17,917,990$174,376,670
72$245,742,493$34,422,783$18,395,411$191,487,055
73$270,681,526$35,982,798$18,884,956$210,316,536
74$298,160,349$37,615,263$19,386,910$231,039,386
75$328,437,896$39,323,602$19,901,563$253,847,609
76$361,799,506$41,111,403$20,429,209$278,952,746
77$398,559,620$42,982,426$20,970,152$306,587,863
78$439,064,747$44,940,611$21,524,698$337,009,746
79$483,696,737$46,990,087$22,093,161$370,501,319
80$532,876,382$49,135,179$22,675,860$407,374,305
81$587,067,392$51,380,422$23,273,121$447,972,163
82$646,780,771$53,730,567$23,885,275$492,673,322
83$712,579,638$56,190,593$24,512,660$541,894,743
84$785,084,547$58,765,718$25,155,620$596,095,850
85$864,979,343$61,461,411$25,814,505$655,782,856
86$953,017,617$64,283,402$26,489,673$721,513,531
87$1,050,029,823$67,237,697$27,181,486$793,902,458
88$1,156,931,112$70,330,592$27,890,313$873,626,828
89$1,274,729,978$73,568,683$28,616,531$961,432,815
90$1,404,537,773$76,958,885$29,360,522$1,058,142,617
91$1,547,579,200$80,508,446$30,122,674$1,164,662,197
92$1,705,203,879$84,224,960$30,903,384$1,281,989,832
93$1,878,899,080$88,116,388$31,703,053$1,411,225,517
94$2,070,303,771$92,191,076$32,522,089$1,553,581,339
95$2,281,224,085$96,457,768$33,360,909$1,710,392,906
96$2,513,650,375$100,925,632$34,219,932$1,883,131,939
97$2,769,776,001$105,604,276$35,099,589$2,073,420,149
98$3,052,018,040$110,503,772$36,000,312$2,283,044,537
99$3,363,040,101$115,634,678$36,922,543$2,513,974,237
100$3,705,777,474$121,008,059$37,866,730$2,768,379,098