Can I retire at age 35 with 6,800,000?

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 $6,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$561,538$556,536$551,656$546,893$542,242$535,910
2 years$277,989$272,812$267,794$262,929$258,210$251,837
3 years$183,485$178,285$173,280$168,461$163,819$157,603
4 years$136,242$131,059$126,104$121,367$116,837$110,825
5 years$107,904$102,752$97,862$93,221$88,818$83,028
6 years$89,018$83,904$79,087$74,550$70,279$64,717
7 years$75,534$70,463$65,722$61,292$57,155$51,825
8 years$65,425$60,400$55,737$51,416$47,416$42,316
9 years$57,566$52,589$48,006$43,795$39,931$35,060
10 years$51,283$46,354$41,853$37,752$34,023$29,378
11 years$46,146$41,267$36,847$32,855$29,261$24,837
12 years$41,868$37,039$32,701$28,819$25,357$21,150
13 years$38,251$33,472$29,216$25,442$22,112$18,116
14 years$35,153$30,425$26,250$22,585$19,383$15,593
15 years$32,471$27,794$23,701$20,142$17,066$13,476
16 years$30,127$25,500$21,488$18,035$15,083$11,686
17 years$28,060$23,485$19,553$16,204$13,374$10,164
18 years$26,225$21,701$17,850$14,603$11,891$8,861
19 years$24,585$20,112$16,341$13,195$10,599$7,742
20 years$23,111$18,689$14,997$11,951$9,467$6,777
21 years$21,779$17,408$13,794$10,846$8,472$5,941
22 years$20,570$16,250$12,713$9,862$7,594$5,216
23 years$19,467$15,198$11,738$8,981$6,817$4,584
24 years$18,458$14,240$10,856$8,191$6,127$4,034
25 years$17,531$13,364$10,055$7,481$5,514$3,552
26 years$16,677$12,560$9,325$6,840$4,966$3,131
27 years$15,888$11,820$8,659$6,261$4,478$2,761
28 years$15,156$11,138$8,050$5,736$4,040$2,437
29 years$14,476$10,507$7,491$5,260$3,648$2,152
30 years$13,842$9,923$6,978$4,828$3,296$1,901
31 years$13,250$9,381$6,505$4,434$2,980$1,680
32 years$12,697$8,876$6,070$4,075$2,696$1,485
33 years$12,178$8,406$5,667$3,747$2,440$1,313
34 years$11,690$7,967$5,295$3,448$2,209$1,162
35 years$11,232$7,556$4,950$3,174$2,001$1,028
36 years$10,800$7,172$4,631$2,923$1,813$910
37 years$10,392$6,812$4,335$2,693$1,643$805
38 years$10,007$6,474$4,059$2,482$1,489$713
39 years$9,642$6,156$3,803$2,289$1,351$631
40 years$9,297$5,857$3,565$2,111$1,225$559
41 years$8,969$5,575$3,342$1,948$1,111$495
42 years$8,657$5,309$3,135$1,798$1,009$439
43 years$8,361$5,059$2,942$1,659$915$389
44 years$8,079$4,822$2,762$1,532$831$344
45 years$7,811$4,598$2,593$1,415$754$305
46 years$7,555$4,387$2,435$1,307$685$270
47 years$7,310$4,186$2,288$1,208$622$239
48 years$7,076$3,996$2,150$1,116$565$212
49 years$6,853$3,816$2,021$1,031$513$188
50 years$6,639$3,645$1,900$953$466$167

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,800,000, adding $3,223 every year, while hoping to spend $53,731 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: 31/44/25 Blend
34$6,800,000$6,800,000$6,800,000$6,800,000
35$7,496,925$7,136,525$7,031,125$7,671,496
36$8,204,441$7,429,045$7,209,498$8,098,024
37$8,982,324$7,734,098$7,392,046$8,551,842
38$9,837,694$8,052,241$7,578,852$9,039,275
39$10,778,395$8,384,057$7,769,999$9,563,296
40$11,813,070$8,730,155$7,965,574$10,127,161
41$12,951,245$9,091,174$8,165,662$10,734,439
42$14,203,410$9,467,780$8,370,350$11,389,045
43$15,581,127$9,860,670$8,579,725$12,095,274
44$17,097,133$10,270,574$8,793,878$12,857,837
45$18,765,464$10,698,256$9,012,896$13,681,904
46$20,601,584$11,144,513$9,236,871$14,573,150
47$22,622,533$11,610,182$9,465,893$15,537,805
48$24,847,086$12,096,135$9,700,055$16,582,711
49$27,295,930$12,603,287$9,939,448$17,715,380
50$29,991,861$13,132,594$10,184,166$18,944,066
51$32,959,997$13,685,058$10,434,302$20,277,836
52$36,228,016$14,261,724$10,689,950$21,726,652
53$39,826,415$14,863,690$10,951,204$23,301,464
54$43,788,799$15,492,101$11,218,159$25,014,305
55$48,152,199$16,148,156$11,490,910$26,878,405
56$52,957,420$16,833,112$11,769,552$28,908,307
57$58,249,424$17,548,283$12,054,180$31,120,002
58$64,077,759$18,295,042$12,344,889$33,531,077
59$70,497,022$19,074,830$12,641,774$36,160,871
60$77,567,374$19,889,153$12,944,929$39,030,657
61$85,355,111$20,739,586$13,254,449$42,163,836
62$93,933,287$21,627,781$13,570,428$45,586,149
63$103,382,403$22,555,463$13,892,959$49,325,920
64$113,791,169$23,524,442$14,222,134$53,414,311
65$125,257,338$24,536,609$14,558,044$57,885,614
66$137,888,629$25,593,945$14,900,782$62,777,567
67$151,803,746$26,698,525$15,250,434$68,131,702
68$167,133,494$27,852,519$15,607,090$73,993,729
69$184,022,019$29,058,201$15,970,836$80,413,963
70$202,628,162$30,317,949$16,341,755$87,447,788
71$223,126,961$31,634,256$16,719,932$95,156,172
72$245,711,307$33,009,730$17,105,445$103,606,235
73$270,593,756$34,447,102$17,498,373$112,871,872
74$298,008,541$35,949,232$17,898,790$123,034,441
75$328,213,782$37,519,115$18,306,770$134,183,522
76$361,493,921$39,159,885$18,722,380$146,417,752
77$398,162,408$40,874,827$19,145,687$159,845,744
78$438,564,659$42,667,378$19,576,752$174,587,103
79$483,081,313$44,541,139$20,015,633$190,773,539
80$532,131,833$46,499,881$20,462,383$208,550,104
81$586,178,458$48,547,552$20,917,050$228,076,544
82$645,730,566$50,688,288$21,379,677$249,528,792
83$711,349,490$52,926,421$21,850,302$273,100,621
84$783,653,808$55,266,485$22,328,957$299,005,451
85$863,325,187$57,713,233$22,815,668$327,478,353
86$951,114,815$60,271,640$23,310,451$358,778,251
87$1,047,850,495$62,946,919$23,813,320$393,190,347
88$1,154,444,455$65,744,529$24,324,277$431,028,798
89$1,271,901,966$68,670,187$24,843,316$472,639,662
90$1,401,330,825$71,729,884$25,370,425$518,404,148
91$1,543,951,815$74,929,895$25,905,581$568,742,190
92$1,701,110,232$78,276,791$26,448,749$624,116,393
93$1,874,288,579$81,777,458$26,999,886$685,036,378
94$2,065,120,570$85,439,108$27,558,938$752,063,568
95$2,275,406,541$89,269,298$28,125,835$825,816,466
96$2,507,130,458$93,275,943$28,700,500$906,976,467
97$2,762,478,636$97,467,335$29,282,838$996,294,265
98$3,043,860,385$101,852,164$29,872,742$1,094,596,912
99$3,353,930,755$106,439,530$30,470,089$1,202,795,594
100$3,695,615,595$111,238,970$31,074,741$1,321,894,208