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%18.1%
1 years$545,022$540,167$535,431$530,807$526,293$509,039
2 years$269,813$264,788$259,918$255,196$250,616$233,397
3 years$178,088$173,042$168,184$163,506$159,001$142,358
4 years$132,235$127,204$122,395$117,797$113,401$97,461
5 years$104,731$99,729$94,983$90,480$86,206$71,012
6 years$86,400$81,437$76,761$72,357$68,211$53,777
7 years$73,312$68,390$63,789$59,489$55,474$41,796
8 years$63,500$58,623$54,098$49,904$46,021$33,090
9 years$55,873$51,042$46,594$42,507$38,757$26,557
10 years$49,775$44,991$40,622$36,641$33,022$21,535
11 years$44,789$40,053$35,763$31,889$28,400$17,604
12 years$40,637$35,949$31,739$27,971$24,611$14,482
13 years$37,126$32,488$28,356$24,694$21,461$11,974
14 years$34,119$29,530$25,478$21,921$18,813$9,941
15 years$31,516$26,977$23,004$19,549$16,564$8,281
16 years$29,240$24,750$20,856$17,504$14,640$6,916
17 years$27,235$22,794$18,978$15,728$12,981$5,790
18 years$25,454$21,063$17,325$14,174$11,542$4,856
19 years$23,862$19,521$15,860$12,807$10,287$4,078
20 years$22,431$18,140$14,555$11,599$9,189$3,430
21 years$21,139$16,896$13,388$10,527$8,223$2,888
22 years$19,965$15,772$12,339$9,572$7,371$2,434
23 years$18,895$14,751$11,393$8,717$6,616$2,052
24 years$17,915$13,821$10,537$7,950$5,947$1,732
25 years$17,016$12,970$9,759$7,261$5,351$1,462
26 years$16,187$12,190$9,051$6,639$4,820$1,235
27 years$15,420$11,472$8,405$6,077$4,346$1,044
28 years$14,710$10,810$7,813$5,568$3,921$882
29 years$14,050$10,198$7,271$5,106$3,541$746
30 years$13,435$9,631$6,773$4,686$3,199$631
31 years$12,861$9,105$6,314$4,303$2,893$534
32 years$12,323$8,615$5,891$3,955$2,617$451
33 years$11,820$8,158$5,500$3,637$2,368$382
34 years$11,347$7,732$5,139$3,346$2,144$323
35 years$10,902$7,334$4,805$3,080$1,942$274
36 years$10,482$6,961$4,495$2,837$1,759$231
37 years$10,087$6,611$4,207$2,614$1,595$196
38 years$9,713$6,283$3,940$2,409$1,446$166
39 years$9,359$5,975$3,691$2,221$1,311$140
40 years$9,023$5,684$3,460$2,049$1,189$119
41 years$8,705$5,411$3,244$1,890$1,079$101
42 years$8,403$5,153$3,043$1,745$979$85
43 years$8,115$4,910$2,856$1,611$888$72
44 years$7,842$4,680$2,680$1,487$806$61
45 years$7,581$4,463$2,517$1,373$732$52
46 years$7,332$4,258$2,364$1,269$665$44
47 years$7,095$4,063$2,221$1,172$604$37
48 years$6,868$3,879$2,087$1,083$548$31
49 years$6,651$3,704$1,962$1,001$498$27
50 years$6,444$3,538$1,844$925$452$22

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 $4,955 every year, while hoping to spend $48,687 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: 76/10/14 Blend
34$6,600,000$6,600,000$6,600,000$6,600,000
35$7,278,311$6,928,511$6,826,211$7,809,771
36$7,968,896$7,216,206$7,003,087$8,448,879
37$8,728,289$7,516,365$7,184,256$9,142,728
38$9,563,457$7,829,550$7,369,811$9,902,046
39$10,482,076$8,156,344$7,559,845$10,733,335
40$11,492,603$8,497,360$7,754,456$11,643,759
41$12,604,357$8,853,239$7,953,738$12,641,201
42$13,827,604$9,224,650$8,157,791$13,734,347
43$15,173,656$9,612,295$8,366,714$14,932,757
44$16,654,979$10,016,907$8,580,608$16,246,963
45$18,285,305$10,439,253$8,799,577$17,688,563
46$20,079,767$10,880,138$9,023,724$19,270,329
47$22,055,039$11,340,401$9,253,155$21,006,331
48$24,229,494$11,820,921$9,487,976$22,912,063
49$26,623,376$12,322,620$9,728,297$25,004,593
50$29,258,991$12,846,459$9,974,226$27,302,721
51$32,160,921$13,393,448$10,225,874$29,827,154
52$35,356,248$13,964,641$10,483,355$32,600,704
53$38,874,819$14,561,141$10,746,781$35,648,500
54$42,749,520$15,184,106$11,016,267$38,998,220
55$47,016,588$15,834,745$11,291,929$42,680,361
56$51,715,956$16,514,323$11,573,884$46,728,516
57$56,891,625$17,224,166$11,862,251$51,179,693
58$62,592,082$17,965,662$12,157,148$56,074,664
59$68,870,758$18,740,263$12,458,696$61,458,348
60$75,786,528$19,549,489$12,767,015$67,380,233
61$83,404,272$20,394,932$13,082,228$73,894,840
62$91,795,483$21,278,258$13,404,458$81,062,240
63$101,038,942$22,201,213$13,733,828$88,948,615
64$111,221,465$23,165,623$14,070,461$97,626,884
65$122,438,716$24,173,400$14,414,483$107,177,387
66$134,796,115$25,226,547$14,766,019$117,688,644
67$148,409,832$26,327,161$15,125,194$129,258,188
68$163,407,880$27,477,437$15,492,133$141,993,482
69$179,931,327$28,679,674$15,866,962$156,012,931
70$198,135,624$29,936,280$16,249,807$171,447,001
71$218,192,075$31,249,776$16,640,794$188,439,446
72$240,289,454$32,622,802$17,040,047$207,148,661
73$264,635,780$34,058,121$17,447,691$227,749,178
74$291,460,292$35,558,631$17,863,850$250,433,309
75$321,015,601$37,127,364$18,288,649$275,412,957
76$353,580,082$38,767,494$18,722,208$302,921,619
77$389,460,498$40,482,349$19,164,650$333,216,582
78$428,994,897$42,275,412$19,616,093$366,581,350
79$472,555,801$44,150,332$20,076,657$403,328,320
80$520,553,726$46,110,931$20,546,458$443,801,723
81$573,441,051$48,161,212$21,025,610$488,380,875
82$631,716,296$50,305,369$21,514,225$537,483,752
83$695,928,819$52,547,793$22,012,413$591,570,930
84$766,684,010$54,893,087$22,520,281$651,149,933
85$844,649,000$57,346,069$23,037,931$716,780,017
86$930,558,960$59,911,788$23,565,463$789,077,449
87$1,025,224,043$62,595,534$24,102,975$868,721,317
88$1,129,537,028$65,402,848$24,650,557$956,459,937
89$1,244,481,752$68,339,535$25,208,298$1,053,117,913
90$1,371,142,394$71,411,675$25,776,279$1,159,603,918
91$1,510,713,711$74,625,641$26,354,578$1,276,919,265
92$1,664,512,319$77,988,107$26,943,266$1,406,167,358
93$1,833,989,119$81,506,067$27,542,408$1,548,564,098
94$2,020,742,992$85,186,848$28,152,062$1,705,449,360
95$2,226,535,901$89,038,127$28,772,280$1,878,299,635
96$2,453,309,516$93,067,948$29,403,105$2,068,741,961
97$2,703,203,549$97,284,740$30,044,571$2,278,569,280
98$2,978,575,952$101,697,333$30,696,705$2,509,757,356
99$3,282,025,177$106,314,980$31,359,523$2,764,483,418
100$3,616,414,710$111,147,379$32,033,031$3,045,146,711