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%13.6%
1 years$545,022$540,167$535,431$530,807$526,293$518,428
2 years$269,813$264,788$259,918$255,196$250,616$242,710
3 years$178,088$173,042$168,184$163,506$159,001$151,300
4 years$132,235$127,204$122,395$117,797$113,401$105,964
5 years$104,731$99,729$94,983$90,480$86,206$79,054
6 years$86,400$81,437$76,761$72,357$68,211$61,354
7 years$73,312$68,390$63,789$59,489$55,474$48,913
8 years$63,500$58,623$54,098$49,904$46,021$39,756
9 years$55,873$51,042$46,594$42,507$38,757$32,783
10 years$49,775$44,991$40,622$36,641$33,022$27,337
11 years$44,789$40,053$35,763$31,889$28,400$22,997
12 years$40,637$35,949$31,739$27,971$24,611$19,483
13 years$37,126$32,488$28,356$24,694$21,461$16,601
14 years$34,119$29,530$25,478$21,921$18,813$14,213
15 years$31,516$26,977$23,004$19,549$16,564$12,217
16 years$29,240$24,750$20,856$17,504$14,640$10,536
17 years$27,235$22,794$18,978$15,728$12,981$9,111
18 years$25,454$21,063$17,325$14,174$11,542$7,898
19 years$23,862$19,521$15,860$12,807$10,287$6,861
20 years$22,431$18,140$14,555$11,599$9,189$5,970
21 years$21,139$16,896$13,388$10,527$8,223$5,202
22 years$19,965$15,772$12,339$9,572$7,371$4,539
23 years$18,895$14,751$11,393$8,717$6,616$3,965
24 years$17,915$13,821$10,537$7,950$5,947$3,467
25 years$17,016$12,970$9,759$7,261$5,351$3,034
26 years$16,187$12,190$9,051$6,639$4,820$2,657
27 years$15,420$11,472$8,405$6,077$4,346$2,329
28 years$14,710$10,810$7,813$5,568$3,921$2,042
29 years$14,050$10,198$7,271$5,106$3,541$1,791
30 years$13,435$9,631$6,773$4,686$3,199$1,572
31 years$12,861$9,105$6,314$4,303$2,893$1,380
32 years$12,323$8,615$5,891$3,955$2,617$1,212
33 years$11,820$8,158$5,500$3,637$2,368$1,065
34 years$11,347$7,732$5,139$3,346$2,144$936
35 years$10,902$7,334$4,805$3,080$1,942$822
36 years$10,482$6,961$4,495$2,837$1,759$723
37 years$10,087$6,611$4,207$2,614$1,595$636
38 years$9,713$6,283$3,940$2,409$1,446$559
39 years$9,359$5,975$3,691$2,221$1,311$491
40 years$9,023$5,684$3,460$2,049$1,189$432
41 years$8,705$5,411$3,244$1,890$1,079$380
42 years$8,403$5,153$3,043$1,745$979$334
43 years$8,115$4,910$2,856$1,611$888$294
44 years$7,842$4,680$2,680$1,487$806$259
45 years$7,581$4,463$2,517$1,373$732$228
46 years$7,332$4,258$2,364$1,269$665$200
47 years$7,095$4,063$2,221$1,172$604$176
48 years$6,868$3,879$2,087$1,083$548$155
49 years$6,651$3,704$1,962$1,001$498$137
50 years$6,444$3,538$1,844$925$452$120

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 $3,783 every year, while hoping to spend $36,981 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: 41/36/23 Blend
34$6,600,000$6,600,000$6,600,000$6,600,000
35$7,277,102$6,927,302$6,825,002$7,526,042
36$7,980,019$7,227,392$7,014,292$8,004,860
37$8,753,394$7,540,948$7,208,684$8,518,988
38$9,604,375$7,868,589$7,408,310$9,074,747
39$10,540,837$8,210,965$7,613,304$9,675,971
40$11,571,458$8,568,758$7,823,805$10,326,871
41$12,705,799$8,942,680$8,039,955$11,032,071
42$13,954,395$9,333,476$8,261,898$11,796,647
43$15,328,856$9,741,928$8,489,784$12,626,173
44$16,841,971$10,168,855$8,723,764$13,526,775
45$18,507,836$10,615,113$8,963,993$14,505,181
46$20,341,980$11,081,598$9,210,632$15,568,785
47$22,361,517$11,569,251$9,463,843$16,725,713
48$24,585,303$12,079,056$9,723,794$17,984,895
49$27,034,118$12,612,043$9,990,654$19,356,151
50$29,730,856$13,169,292$10,264,599$20,850,273
51$32,700,748$13,751,932$10,545,809$22,479,131
52$35,971,596$14,361,148$10,834,465$24,255,778
53$39,574,034$14,998,180$11,130,755$26,194,566
54$43,541,821$15,664,327$11,434,871$28,311,287
55$47,912,157$16,360,948$11,747,008$30,623,306
56$52,726,032$17,089,470$12,067,368$33,149,731
57$58,028,618$17,851,385$12,396,156$35,911,584
58$63,869,690$18,648,256$12,733,580$38,931,995
59$70,304,100$19,481,721$13,079,856$42,236,416
60$77,392,290$20,353,497$13,435,203$45,852,857
61$85,200,866$21,265,381$13,799,845$49,812,144
62$93,803,226$22,219,256$14,174,011$54,148,206
63$103,280,250$23,217,095$14,557,936$58,898,386
64$113,721,067$24,260,965$14,951,859$64,103,793
65$125,223,894$25,353,030$15,356,024$69,809,678
66$137,896,963$26,495,560$15,770,682$76,065,860
67$151,859,541$27,690,931$16,196,089$82,927,185
68$167,243,062$28,941,634$16,632,505$90,454,038
69$184,192,357$30,250,277$17,080,197$98,712,908
70$202,867,031$31,619,594$17,539,437$107,777,004
71$223,442,965$33,052,451$18,010,505$117,726,940
72$246,113,973$34,551,847$18,493,683$128,651,487
73$271,093,639$36,120,928$18,989,262$140,648,404
74$298,617,327$37,762,990$19,497,538$153,825,346
75$328,944,402$39,481,485$20,018,814$168,300,879
76$362,360,685$41,280,031$20,553,398$184,205,579
77$399,181,144$43,162,421$21,101,606$201,683,264
78$439,752,868$45,132,628$21,663,757$220,892,332
79$484,458,349$47,194,815$22,240,181$242,007,252
80$533,719,085$49,353,345$22,831,212$265,220,192
81$587,999,565$51,612,793$23,437,191$290,742,827
82$647,811,650$53,977,949$24,058,466$318,808,316
83$713,719,406$56,453,835$24,695,392$349,673,500
84$786,344,428$59,045,716$25,348,330$383,621,299
85$866,371,710$61,759,106$26,017,650$420,963,380
86$954,556,109$64,599,788$26,703,726$462,043,075
87$1,051,729,474$67,573,819$27,406,943$507,238,608
88$1,158,808,494$70,687,549$28,127,689$556,966,650
89$1,276,803,356$73,947,635$28,866,362$611,686,231
90$1,406,827,281$77,361,052$29,623,368$671,903,058
91$1,550,107,030$80,935,110$30,399,117$738,174,266
92$1,707,994,490$84,677,474$31,194,031$811,113,657
93$1,881,979,433$88,596,174$32,008,535$891,397,476
94$2,073,703,578$92,699,630$32,843,064$979,770,768
95$2,284,976,097$96,996,666$33,698,061$1,077,054,390
96$2,517,790,688$101,496,531$34,573,975$1,184,152,736
97$2,774,344,398$106,208,921$35,471,263$1,302,062,246
98$3,057,058,367$111,143,999$36,390,391$1,431,880,787
99$3,368,600,683$116,312,417$37,331,831$1,574,817,992
100$3,711,911,569$121,725,342$38,296,064$1,732,206,644