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%11.2%
1 years$545,022$540,167$535,431$530,807$526,293$523,635
2 years$269,813$264,788$259,918$255,196$250,616$247,933
3 years$178,088$173,042$168,184$163,506$159,001$156,377
4 years$132,235$127,204$122,395$117,797$113,401$110,856
5 years$104,731$99,729$94,983$90,480$86,206$83,746
6 years$86,400$81,437$76,761$72,357$68,211$65,842
7 years$73,312$68,390$63,789$59,489$55,474$53,195
8 years$63,500$58,623$54,098$49,904$46,021$43,833
9 years$55,873$51,042$46,594$42,507$38,757$36,659
10 years$49,775$44,991$40,622$36,641$33,022$31,014
11 years$44,789$40,053$35,763$31,889$28,400$26,480
12 years$40,637$35,949$31,739$27,971$24,611$22,777
13 years$37,126$32,488$28,356$24,694$21,461$19,712
14 years$34,119$29,530$25,478$21,921$18,813$17,146
15 years$31,516$26,977$23,004$19,549$16,564$14,978
16 years$29,240$24,750$20,856$17,504$14,640$13,132
17 years$27,235$22,794$18,978$15,728$12,981$11,549
18 years$25,454$21,063$17,325$14,174$11,542$10,183
19 years$23,862$19,521$15,860$12,807$10,287$9,000
20 years$22,431$18,140$14,555$11,599$9,189$7,971
21 years$21,139$16,896$13,388$10,527$8,223$7,071
22 years$19,965$15,772$12,339$9,572$7,371$6,283
23 years$18,895$14,751$11,393$8,717$6,616$5,589
24 years$17,915$13,821$10,537$7,950$5,947$4,979
25 years$17,016$12,970$9,759$7,261$5,351$4,439
26 years$16,187$12,190$9,051$6,639$4,820$3,962
27 years$15,420$11,472$8,405$6,077$4,346$3,539
28 years$14,710$10,810$7,813$5,568$3,921$3,163
29 years$14,050$10,198$7,271$5,106$3,541$2,829
30 years$13,435$9,631$6,773$4,686$3,199$2,532
31 years$12,861$9,105$6,314$4,303$2,893$2,267
32 years$12,323$8,615$5,891$3,955$2,617$2,031
33 years$11,820$8,158$5,500$3,637$2,368$1,820
34 years$11,347$7,732$5,139$3,346$2,144$1,632
35 years$10,902$7,334$4,805$3,080$1,942$1,463
36 years$10,482$6,961$4,495$2,837$1,759$1,312
37 years$10,087$6,611$4,207$2,614$1,595$1,178
38 years$9,713$6,283$3,940$2,409$1,446$1,057
39 years$9,359$5,975$3,691$2,221$1,311$949
40 years$9,023$5,684$3,460$2,049$1,189$852
41 years$8,705$5,411$3,244$1,890$1,079$765
42 years$8,403$5,153$3,043$1,745$979$687
43 years$8,115$4,910$2,856$1,611$888$617
44 years$7,842$4,680$2,680$1,487$806$554
45 years$7,581$4,463$2,517$1,373$732$498
46 years$7,332$4,258$2,364$1,269$665$447
47 years$7,095$4,063$2,221$1,172$604$402
48 years$6,868$3,879$2,087$1,083$548$361
49 years$6,651$3,704$1,962$1,001$498$325
50 years$6,444$3,538$1,844$925$452$292

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 $4,562 every year, while hoping to spend $55,183 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: 73/20/7 Blend
34$6,600,000$6,600,000$6,600,000$6,600,000
35$7,277,906$6,928,106$6,825,806$7,801,706
36$7,961,538$7,208,869$6,995,756$8,428,352
37$8,713,051$7,501,539$7,169,550$9,107,050
38$9,539,311$7,806,643$7,347,258$9,848,775
39$10,447,881$8,124,729$7,528,952$10,659,733
40$11,447,095$8,456,372$7,714,703$11,546,754
41$12,546,136$8,802,171$7,904,582$12,517,355
42$13,755,119$9,162,755$8,098,663$13,579,812
43$15,085,191$9,538,779$8,297,018$14,743,234
44$16,548,632$9,930,931$8,499,719$16,017,651
45$18,158,974$10,339,928$8,706,841$17,414,103
46$19,931,125$10,766,520$8,918,457$18,944,749
47$21,881,514$11,211,494$9,134,639$20,622,972
48$24,028,241$11,675,670$9,355,462$22,463,513
49$26,391,251$12,159,907$9,581,000$24,482,602
50$28,992,520$12,665,104$9,811,324$26,698,112
51$31,856,264$13,192,201$10,046,510$29,129,725
52$35,009,164$13,742,180$10,286,630$31,799,119
53$38,480,622$14,316,070$10,531,755$34,730,168
54$42,303,035$14,914,947$10,781,959$37,949,163
55$46,512,103$15,539,937$11,037,312$41,485,066
56$51,147,161$16,192,218$11,297,886$45,369,773
57$56,251,556$16,873,021$11,563,750$49,638,419
58$61,873,052$17,583,637$11,834,972$54,329,704
59$68,064,281$18,325,413$12,111,622$59,486,256
60$74,883,242$19,099,762$12,393,765$65,155,034
61$82,393,843$19,908,161$12,681,467$71,387,765
62$90,666,509$20,752,155$12,974,790$78,241,432
63$99,778,845$21,633,363$13,273,798$85,778,810
64$109,816,367$22,553,477$13,578,550$94,069,052
65$120,873,308$23,514,269$13,889,103$103,188,341
66$133,053,510$24,517,593$14,205,513$113,220,609
67$146,471,404$25,565,391$14,527,833$124,258,321
68$161,253,086$26,659,694$14,856,114$136,403,345
69$177,537,510$27,802,628$15,190,403$149,767,917
70$195,477,798$28,996,419$15,530,744$164,475,686
71$215,242,686$30,243,396$15,877,177$180,662,886
72$237,018,117$31,546,000$16,229,739$198,479,616
73$261,008,994$32,906,782$16,588,464$218,091,250
74$287,441,113$34,328,416$16,953,379$239,679,995
75$316,563,298$35,813,700$17,324,508$263,446,611
76$348,649,746$37,365,563$17,701,871$289,612,293
77$384,002,617$38,987,073$18,085,481$318,420,763
78$422,954,885$40,681,441$18,475,346$350,140,559
79$465,873,481$42,452,029$18,871,467$385,067,568
80$513,162,755$44,302,357$19,273,840$423,527,814
81$565,268,295$46,236,112$19,682,454$465,880,527
82$622,681,133$48,257,153$20,097,288$512,521,531
83$685,942,378$50,369,523$20,518,316$563,886,974
84$755,648,325$52,577,454$20,945,504$620,457,437
85$832,456,083$54,885,378$21,378,807$682,762,465
86$917,089,778$57,297,936$21,818,172$751,385,560
87$1,010,347,391$59,819,990$22,263,536$826,969,681
88$1,113,108,285$62,456,630$22,714,825$910,223,305
89$1,226,341,512$65,213,187$23,171,954$1,001,927,107
90$1,351,114,959$68,095,246$23,634,826$1,102,941,325
91$1,488,605,425$71,108,653$24,103,333$1,214,213,867
92$1,640,109,736$74,259,535$24,577,352$1,336,789,255
93$1,807,056,983$77,554,306$25,056,748$1,471,818,472
94$1,991,022,015$80,999,687$25,541,369$1,620,569,821
95$2,193,740,305$84,602,716$26,031,049$1,784,440,885
96$2,417,124,333$88,370,766$26,525,606$1,964,971,714
97$2,663,281,641$92,311,559$27,024,840$2,163,859,347
98$2,934,534,729$96,433,186$27,528,533$2,382,973,826
99$3,233,442,980$100,744,121$28,036,448$2,624,375,833
100$3,562,826,823$105,253,242$28,548,328$2,890,336,135