Can I retire at age 35 with 6,100,000?

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 $6,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$503,732$499,245$494,868$490,595$486,423$477,383
2 years$249,372$244,728$240,227$235,863$231,630$222,556
3 years$164,597$159,933$155,443$151,120$146,955$138,131
4 years$122,217$117,567$113,123$108,873$104,810$96,302
5 years$96,796$92,174$87,788$83,625$79,675$71,508
6 years$79,855$75,267$70,946$66,876$63,044$55,227
7 years$67,758$63,209$58,956$54,982$51,272$43,807
8 years$58,690$54,182$49,999$46,123$42,535$35,421
9 years$51,640$47,175$43,064$39,287$35,820$29,053
10 years$46,004$41,583$37,545$33,866$30,521$24,093
11 years$41,396$37,019$33,054$29,473$26,249$20,154
12 years$37,558$33,226$29,334$25,852$22,747$16,975
13 years$34,313$30,026$26,208$22,823$19,836$14,379
14 years$31,535$27,293$23,548$20,260$17,388$12,236
15 years$29,129$24,933$21,261$18,068$15,310$10,453
16 years$27,025$22,875$19,276$16,178$13,531$8,958
17 years$25,171$21,067$17,540$14,536$11,997$7,697
18 years$23,525$19,467$16,012$13,100$10,667$6,629
19 years$22,054$18,042$14,658$11,837$9,508$5,720
20 years$20,732$16,766$13,453$10,721$8,493$4,944
21 years$19,537$15,616$12,374$9,730$7,600$4,279
22 years$18,452$14,577$11,405$8,846$6,812$3,708
23 years$17,463$13,634$10,530$8,057$6,115$3,217
24 years$16,558$12,774$9,739$7,348$5,496$2,793
25 years$15,727$11,988$9,020$6,711$4,946$2,427
26 years$14,960$11,267$8,365$6,136$4,455$2,110
27 years$14,252$10,603$7,768$5,616$4,017$1,836
28 years$13,596$9,991$7,221$5,146$3,624$1,598
29 years$12,985$9,426$6,720$4,719$3,273$1,392
30 years$12,417$8,902$6,260$4,331$2,957$1,212
31 years$11,886$8,415$5,836$3,977$2,673$1,056
32 years$11,390$7,962$5,445$3,655$2,418$921
33 years$10,924$7,540$5,084$3,361$2,189$803
34 years$10,487$7,147$4,750$3,093$1,982$700
35 years$10,076$6,778$4,441$2,847$1,795$611
36 years$9,688$6,434$4,154$2,622$1,626$533
37 years$9,322$6,111$3,888$2,416$1,474$465
38 years$8,977$5,807$3,641$2,227$1,336$406
39 years$8,650$5,522$3,412$2,053$1,212$354
40 years$8,340$5,254$3,198$1,894$1,099$309
41 years$8,046$5,001$2,998$1,747$997$270
42 years$7,766$4,763$2,813$1,613$905$235
43 years$7,501$4,538$2,639$1,489$821$206
44 years$7,248$4,326$2,477$1,374$745$179
45 years$7,007$4,125$2,326$1,269$677$157
46 years$6,777$3,935$2,185$1,172$614$137
47 years$6,558$3,755$2,053$1,083$558$119
48 years$6,348$3,585$1,929$1,001$507$104
49 years$6,148$3,423$1,813$925$460$91
50 years$5,956$3,270$1,704$855$418$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,100,000, adding $6,095 every year, while hoping to spend $49,391 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: 45/36/19 Blend
34$6,100,000$6,100,000$6,100,000$6,100,000
35$6,728,487$6,405,187$6,310,637$6,994,260
36$7,362,241$6,666,490$6,469,492$7,442,524
37$8,058,983$6,938,940$6,632,013$7,922,955
38$8,825,084$7,223,034$6,798,271$8,442,917
39$9,667,567$7,519,287$6,968,337$9,006,099
40$10,594,166$7,828,239$7,142,283$9,616,557
41$11,613,405$8,150,456$7,320,183$10,278,743
42$12,734,672$8,486,529$7,502,110$10,997,553
43$13,968,315$8,837,075$7,688,137$11,778,366
44$15,325,733$9,202,742$7,878,339$12,627,092
45$16,819,486$9,584,204$8,072,791$13,550,232
46$18,463,413$9,982,170$8,271,570$14,554,929
47$20,272,763$10,397,378$8,474,749$15,649,041
48$22,264,339$10,830,604$8,682,408$16,841,206
49$24,456,654$11,282,656$8,894,621$18,140,927
50$26,870,108$11,754,381$9,111,465$19,558,655
51$29,527,178$12,246,665$9,333,019$21,105,886
52$32,452,633$12,760,435$9,559,358$22,795,269
53$35,673,767$13,296,661$9,790,561$24,640,719
54$39,220,651$13,856,357$10,026,705$26,657,549
55$43,126,424$14,440,585$10,267,866$28,862,608
56$47,427,602$15,050,457$10,514,123$31,274,439
57$52,164,422$15,687,134$10,765,551$33,913,450
58$57,381,223$16,351,833$11,022,226$36,802,102
59$63,126,862$17,045,828$11,284,225$39,965,121
60$69,455,179$17,770,449$11,551,623$43,429,723
61$76,425,498$18,527,093$11,824,494$47,225,870
62$84,103,197$19,317,218$12,102,912$51,386,546
63$92,560,312$20,142,352$12,386,950$55,948,067
64$101,876,230$21,004,092$12,676,678$60,950,418
65$112,138,425$21,904,113$12,972,167$66,437,624
66$123,443,296$22,844,166$13,273,486$72,458,164
67$135,897,066$23,826,084$13,580,701$79,065,420
68$149,616,791$24,851,786$13,893,879$86,318,178
69$164,731,462$25,923,282$14,213,082$94,281,175
70$181,383,223$27,042,675$14,538,372$103,025,708
71$199,728,712$28,212,166$14,869,808$112,630,298
72$219,940,539$29,434,061$15,207,445$123,181,422
73$242,208,917$30,710,772$15,551,337$134,774,330
74$266,743,454$32,044,828$15,901,535$147,513,931
75$293,775,135$33,438,873$16,258,085$161,515,778
76$323,558,499$34,895,678$16,621,031$176,907,154
77$356,374,042$36,418,142$16,990,411$193,828,258
78$392,530,866$38,009,303$17,366,262$212,433,531
79$432,369,597$39,672,342$17,748,615$232,893,093
80$476,265,597$41,410,587$18,137,494$255,394,352
81$524,632,509$43,227,527$18,532,921$280,143,754
82$577,926,163$45,126,814$18,934,912$307,368,728
83$636,648,875$47,112,271$19,343,475$337,319,818
84$701,354,192$49,187,905$19,758,614$370,273,043
85$772,652,117$51,357,909$20,180,324$406,532,486
86$851,214,863$53,626,677$20,608,596$446,433,156
87$937,783,205$55,998,810$21,043,409$490,344,137
88$1,033,173,467$58,479,127$21,484,739$538,672,059
89$1,138,285,232$61,072,675$21,932,548$591,864,925
90$1,254,109,831$63,784,741$22,386,794$650,416,325
91$1,381,739,703$66,620,863$22,847,421$714,870,081
92$1,522,378,708$69,586,841$23,314,365$785,825,364
93$1,677,353,491$72,688,751$23,787,551$863,942,339
94$1,848,126,005$75,932,957$24,266,892$949,948,374
95$2,036,307,313$79,326,127$24,752,288$1,044,644,895
96$2,243,672,796$82,875,245$25,243,627$1,148,914,930
97$2,472,178,916$86,587,626$25,740,783$1,263,731,427
98$2,723,981,682$90,470,937$26,243,616$1,390,166,418
99$3,001,457,006$94,533,206$26,751,970$1,529,401,121
100$3,307,223,133$98,782,845$27,265,673$1,682,737,067