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

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 $6,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$495,474$491,061$486,755$482,552$478,448$469,942
2 years$245,284$240,716$236,289$231,996$227,833$219,292
3 years$161,899$157,311$152,895$148,642$144,546$136,237
4 years$120,214$115,640$111,268$107,088$103,092$95,078
5 years$95,210$90,663$86,349$82,254$78,369$70,673
6 years$78,545$74,033$69,782$65,779$62,010$54,642
7 years$66,647$62,173$57,990$54,081$50,431$43,392
8 years$57,728$53,294$49,180$45,367$41,837$35,125
9 years$50,794$46,402$42,359$38,643$35,233$28,845
10 years$45,250$40,901$36,929$33,310$30,020$23,950
11 years$40,717$36,412$32,512$28,990$25,819$20,059
12 years$36,942$32,681$28,853$25,428$22,374$16,918
13 years$33,751$29,534$25,779$22,449$19,510$14,349
14 years$31,018$26,846$23,162$19,928$17,103$12,227
15 years$28,651$24,524$20,912$17,772$15,059$10,459
16 years$26,582$22,500$18,960$15,913$13,309$8,976
17 years$24,759$20,722$17,253$14,298$11,801$7,724
18 years$23,140$19,148$15,750$12,885$10,492$6,662
19 years$21,693$17,746$14,418$11,643$9,352$5,757
20 years$20,392$16,491$13,232$10,545$8,354$4,983
21 years$19,217$15,360$12,171$9,570$7,475$4,320
22 years$18,150$14,338$11,218$8,701$6,701$3,749
23 years$17,177$13,410$10,357$7,925$6,015$3,257
24 years$16,287$12,565$9,579$7,228$5,406$2,833
25 years$15,469$11,791$8,872$6,601$4,865$2,465
26 years$14,715$11,082$8,228$6,035$4,382$2,147
27 years$14,018$10,429$7,641$5,524$3,951$1,871
28 years$13,373$9,828$7,103$5,061$3,565$1,631
29 years$12,773$9,271$6,610$4,641$3,219$1,423
30 years$12,213$8,756$6,157$4,260$2,909$1,241
31 years$11,691$8,277$5,740$3,912$2,630$1,084
32 years$11,203$7,832$5,355$3,595$2,379$946
33 years$10,745$7,417$5,000$3,306$2,153$826
34 years$10,315$7,029$4,672$3,042$1,949$722
35 years$9,911$6,667$4,368$2,800$1,765$631
36 years$9,529$6,328$4,086$2,579$1,599$551
37 years$9,170$6,010$3,825$2,376$1,450$482
38 years$8,830$5,712$3,582$2,190$1,314$421
39 years$8,508$5,432$3,356$2,020$1,192$368
40 years$8,203$5,168$3,145$1,863$1,081$322
41 years$7,914$4,919$2,949$1,719$981$281
42 years$7,639$4,685$2,766$1,586$890$246
43 years$7,378$4,464$2,596$1,464$808$215
44 years$7,129$4,255$2,437$1,352$733$188
45 years$6,892$4,057$2,288$1,248$666$165
46 years$6,666$3,871$2,149$1,153$604$144
47 years$6,450$3,694$2,019$1,065$549$126
48 years$6,244$3,526$1,897$985$498$110
49 years$6,047$3,367$1,783$910$453$96
50 years$5,858$3,217$1,677$841$411$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,000,000, adding $3,693 every year, while hoping to spend $28,818 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: 34/50/16 Blend
34$6,000,000$6,000,000$6,000,000$6,000,000
35$6,615,809$6,297,809$6,204,809$6,807,794
36$7,259,960$6,575,740$6,382,008$7,226,445
37$7,968,848$6,866,323$6,564,178$7,674,648
38$8,749,046$7,170,149$6,751,453$8,157,361
39$9,607,797$7,487,834$6,943,975$8,677,646
40$10,553,080$7,820,026$7,141,886$9,238,854
41$11,593,689$8,167,402$7,345,334$9,844,661
42$12,739,312$8,530,671$7,554,469$10,499,093
43$14,000,625$8,910,577$7,769,448$11,206,567
44$15,389,392$9,307,899$7,990,427$11,971,924
45$16,918,575$9,723,452$8,217,572$12,800,476
46$18,602,458$10,158,089$8,451,049$13,698,051
47$20,456,781$10,612,707$8,691,031$14,671,044
48$22,498,885$11,088,243$8,937,694$15,726,474
49$24,747,883$11,585,678$9,191,218$16,872,047
50$27,224,834$12,106,043$9,451,790$18,116,223
51$29,952,942$12,650,414$9,719,600$19,468,295
52$32,957,779$13,219,922$9,994,844$20,938,467
53$36,267,523$13,815,749$10,277,722$22,537,953
54$39,913,225$14,439,135$10,568,440$24,279,069
55$43,929,100$15,091,379$10,867,209$26,175,352
56$48,352,854$15,773,841$11,174,246$28,241,680
57$53,226,034$16,487,949$11,489,772$30,494,404
58$58,594,427$17,235,195$11,814,017$32,951,501
59$64,508,484$18,017,146$12,147,212$35,632,733
60$71,023,804$18,835,441$12,489,598$38,559,833
61$78,201,654$19,691,799$12,841,422$41,756,699
62$86,109,547$20,588,021$13,202,934$45,249,612
63$94,821,882$21,525,996$13,574,393$49,067,481
64$104,420,644$22,507,699$13,956,065$53,242,106
65$114,996,177$23,535,204$14,348,221$57,808,469
66$126,648,041$24,610,683$14,751,140$62,805,058
67$139,485,946$25,736,411$15,165,108$68,274,220
68$153,630,791$26,914,774$15,590,418$74,262,554
69$169,215,805$28,148,271$16,027,370$80,821,339
70$186,387,802$29,439,521$16,476,272$88,007,007
71$205,308,570$30,791,271$16,937,440$95,881,671
72$226,156,398$32,206,396$17,411,197$104,513,693
73$249,127,753$33,687,912$17,897,875$113,978,323
74$274,439,144$35,238,980$18,397,814$124,358,397
75$302,329,158$36,862,911$18,911,362$135,745,102
76$333,060,716$38,563,178$19,438,877$148,238,831
77$366,923,554$40,343,418$19,980,723$161,950,110
78$404,236,956$42,207,445$20,537,277$177,000,632
79$445,352,772$44,159,257$21,108,923$193,524,388
80$490,658,736$46,203,042$21,696,053$211,668,916
81$540,582,128$48,343,192$22,299,072$231,596,680
82$595,593,806$50,584,309$22,918,392$253,486,584
83$656,212,653$52,931,219$23,554,436$277,535,644
84$723,010,473$55,388,978$24,207,640$303,960,827
85$796,617,391$57,962,887$24,878,445$333,001,083
86$877,727,799$60,658,504$25,567,308$364,919,577
87$967,106,916$63,481,651$26,274,693$400,006,153
88$1,065,598,005$66,438,436$27,001,079$438,580,046
89$1,174,130,340$69,535,258$27,746,954$480,992,875
90$1,293,727,975$72,778,826$28,512,817$527,631,934
91$1,425,519,414$76,176,174$29,299,182$578,923,825
92$1,570,748,262$79,734,674$30,106,573$635,338,457
93$1,730,784,968$83,462,056$30,935,525$697,393,451
94$1,907,139,759$87,366,421$31,786,590$765,659,001
95$2,101,476,903$91,456,264$32,660,329$840,763,223
96$2,315,630,415$95,740,489$33,557,319$923,398,052
97$2,551,621,376$100,228,432$34,478,148$1,014,325,740
98$2,811,677,010$104,929,879$35,423,419$1,114,386,017
99$3,098,251,712$109,855,089$36,393,750$1,224,503,980
100$3,414,050,218$115,014,820$37,389,772$1,345,698,785