Can I retire at age 35 with 6,300,000?

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 $6,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$520,248$515,614$511,093$506,680$502,371$488,641
2 years$257,549$252,752$248,103$243,596$239,224$225,492
3 years$169,994$165,176$160,539$156,074$151,774$138,469
4 years$126,225$121,422$116,831$112,443$108,246$95,471
5 years$99,970$95,196$90,666$86,367$82,287$70,077
6 years$82,473$77,735$73,272$69,068$65,111$53,477
7 years$69,980$65,282$60,889$56,785$52,953$41,895
8 years$60,614$55,958$51,639$47,635$43,929$33,443
9 years$53,333$48,722$44,476$40,575$36,995$27,070
10 years$47,512$42,946$38,776$34,976$31,521$22,145
11 years$42,753$38,232$34,137$30,439$27,110$18,266
12 years$38,789$34,315$30,296$26,700$23,493$15,167
13 years$35,438$31,011$27,068$23,572$20,486$12,660
14 years$32,569$28,188$24,320$20,924$17,958$10,612
15 years$30,084$25,750$21,958$18,661$15,812$8,928
16 years$27,911$23,625$19,908$16,709$13,974$7,532
17 years$25,997$21,758$18,116$15,013$12,391$6,370
18 years$24,297$20,106$16,537$13,529$11,017$5,398
19 years$22,777$18,634$15,139$12,225$9,820$4,582
20 years$21,412$17,315$13,894$11,072$8,771$3,895
21 years$20,178$16,128$12,780$10,049$7,849$3,315
22 years$19,057$15,055$11,778$9,136$7,036$2,824
23 years$18,036$14,081$10,875$8,321$6,316$2,408
24 years$17,101$13,193$10,058$7,589$5,677$2,055
25 years$16,242$12,381$9,316$6,931$5,108$1,755
26 years$15,451$11,636$8,640$6,337$4,601$1,499
27 years$14,719$10,951$8,023$5,801$4,148$1,281
28 years$14,041$10,319$7,458$5,315$3,743$1,095
29 years$13,411$9,735$6,940$4,874$3,380$937
30 years$12,824$9,193$6,465$4,473$3,054$801
31 years$12,276$8,691$6,027$4,108$2,761$686
32 years$11,763$8,223$5,623$3,775$2,498$587
33 years$11,282$7,788$5,250$3,472$2,260$502
34 years$10,831$7,381$4,906$3,194$2,047$430
35 years$10,406$7,001$4,586$2,940$1,854$368
36 years$10,006$6,645$4,291$2,708$1,679$315
37 years$9,628$6,311$4,016$2,495$1,522$270
38 years$9,271$5,998$3,761$2,300$1,380$231
39 years$8,933$5,703$3,523$2,121$1,251$198
40 years$8,613$5,426$3,302$1,956$1,135$170
41 years$8,309$5,165$3,097$1,805$1,030$145
42 years$8,021$4,919$2,905$1,665$934$125
43 years$7,746$4,687$2,726$1,537$848$107
44 years$7,485$4,468$2,559$1,419$770$91
45 years$7,236$4,260$2,402$1,311$699$78
46 years$6,999$4,064$2,256$1,211$634$67
47 years$6,773$3,878$2,120$1,119$576$58
48 years$6,556$3,702$1,992$1,034$523$49
49 years$6,349$3,536$1,872$955$475$42
50 years$6,151$3,377$1,760$883$432$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,300,000, adding $2,808 every year, while hoping to spend $58,181 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: 62/25/13 Blend
34$6,300,000$6,300,000$6,300,000$6,300,000
35$6,945,496$6,611,596$6,513,946$7,354,282
36$7,592,033$6,873,661$6,670,260$7,890,924
37$8,302,566$7,146,616$6,829,859$8,469,569
38$9,083,562$7,430,934$6,992,794$9,099,792
39$9,942,146$7,727,110$7,159,112$9,786,593
40$10,886,164$8,035,658$7,328,862$10,535,479
41$11,924,265$8,357,117$7,502,091$11,352,504
42$13,065,975$8,692,051$7,678,846$12,244,332
43$14,321,790$9,041,048$7,859,174$13,218,295
44$15,703,276$9,404,722$8,043,119$14,282,463
45$17,223,175$9,783,718$8,230,728$15,445,716
46$18,895,525$10,178,707$8,422,044$16,717,828
47$20,735,796$10,590,391$8,617,110$18,109,560
48$22,761,032$11,019,505$8,815,968$19,632,753
49$24,990,013$11,466,816$9,018,658$21,300,448
50$27,443,432$11,933,127$9,225,220$23,126,997
51$30,144,088$12,419,277$9,435,692$25,128,206
52$33,117,107$12,926,144$9,650,110$27,321,473
53$36,390,171$13,454,644$9,868,508$29,725,959
54$39,993,784$14,005,737$10,090,918$32,362,761
55$43,961,558$14,580,425$10,317,371$35,255,112
56$48,330,529$15,179,759$10,547,895$38,428,596
57$53,141,509$15,804,833$10,782,516$41,911,388
58$58,439,470$16,456,796$11,021,257$45,734,518
59$64,273,964$17,136,848$11,264,137$49,932,162
60$70,699,597$17,846,242$11,511,175$54,541,958
61$77,776,540$18,586,292$11,762,384$59,605,366
62$85,571,097$19,358,371$12,017,773$65,168,048
63$94,156,332$20,163,913$12,277,351$71,280,301
64$103,612,755$21,004,423$12,541,120$77,997,530
65$114,029,087$21,881,470$12,809,078$85,380,763
66$125,503,091$22,796,699$13,081,220$93,497,226
67$138,142,499$23,751,830$13,357,534$102,420,978
68$152,066,027$24,748,663$13,638,004$112,233,598
69$167,404,494$25,789,080$13,922,609$123,024,959
70$184,302,058$26,875,050$14,211,322$134,894,070
71$202,917,576$28,008,636$14,504,110$147,950,004
72$223,426,103$29,191,994$14,800,932$162,312,926
73$246,020,545$30,427,381$15,101,742$178,115,224
74$270,913,477$31,717,158$15,406,487$195,502,749
75$298,339,150$33,063,798$15,715,103$214,636,193
76$328,555,707$34,469,887$16,027,522$235,692,596
77$361,847,610$35,938,132$16,343,665$258,867,017
78$398,528,332$37,471,367$16,663,444$284,374,364
79$438,943,314$39,072,557$16,986,762$312,451,421
80$483,473,226$40,744,805$17,313,511$343,359,076
81$532,537,555$42,491,361$17,643,574$377,384,777
82$586,598,573$44,315,625$17,976,821$414,845,242
83$646,165,693$46,221,157$18,313,111$456,089,438
84$711,800,283$48,211,683$18,652,290$501,501,870
85$784,120,961$50,291,104$18,994,190$551,506,204
86$863,809,434$52,463,503$19,338,631$606,569,257
87$951,616,938$54,733,157$19,685,417$667,205,399
88$1,048,371,325$57,104,540$20,034,336$733,981,398
89$1,154,984,876$59,582,338$20,385,163$807,521,760
90$1,272,462,920$62,171,459$20,737,652$888,514,620
91$1,401,913,316$64,877,039$21,091,542$977,718,224
92$1,544,556,916$67,704,456$21,446,551$1,075,968,082
93$1,701,739,090$70,659,343$21,802,378$1,184,184,841
94$1,874,942,422$73,747,596$22,158,703$1,303,382,966
95$2,065,800,712$76,975,390$22,515,182$1,434,680,309
96$2,276,114,393$80,349,193$22,871,450$1,579,308,645
97$2,507,867,533$83,875,776$23,227,115$1,738,625,293
98$2,763,246,562$87,562,229$23,581,764$1,914,125,914
99$3,044,660,912$91,415,980$23,934,954$2,107,458,619
100$3,354,765,768$95,444,805$24,286,218$2,320,439,513