Can I retire at age 35 with 6,500,000?

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 $6,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$536,764$531,983$527,318$522,765$518,319$512,906
2 years$265,725$260,776$255,980$251,329$246,819$241,368
3 years$175,390$170,420$165,636$161,029$156,592$151,272
4 years$130,232$125,277$120,540$116,012$111,683$106,535
5 years$103,144$98,218$93,544$89,109$84,899$79,939
6 years$85,091$80,203$75,598$71,261$67,178$62,410
7 years$72,201$67,354$62,822$58,588$54,634$50,061
8 years$62,538$57,735$53,278$49,148$45,324$40,946
9 years$55,027$50,269$45,888$41,863$38,169$33,985
10 years$49,021$44,309$40,007$36,086$32,522$28,529
11 years$44,110$39,446$35,221$31,406$27,970$24,164
12 years$40,021$35,405$31,258$27,547$24,238$20,616
13 years$36,563$31,995$27,927$24,320$21,136$17,693
14 years$33,602$29,083$25,092$21,589$18,528$15,259
15 years$31,039$26,568$22,655$19,253$16,313$13,214
16 years$28,797$24,375$20,540$17,239$14,418$11,483
17 years$26,822$22,449$18,691$15,489$12,784$10,008
18 years$25,068$20,744$17,062$13,959$11,367$8,744
19 years$23,500$19,225$15,620$12,613$10,132$7,657
20 years$22,091$17,865$14,335$11,424$9,050$6,717
21 years$20,818$16,640$13,185$10,368$8,098$5,902
22 years$19,662$15,533$12,152$9,427$7,259$5,193
23 years$18,609$14,528$11,221$8,585$6,516$4,575
24 years$17,644$13,612$10,377$7,830$5,857$4,035
25 years$16,758$12,774$9,611$7,151$5,270$3,561
26 years$15,941$12,005$8,914$6,538$4,747$3,146
27 years$15,187$11,299$8,277$5,985$4,280$2,781
28 years$14,487$10,647$7,695$5,483$3,862$2,461
29 years$13,837$10,044$7,161$5,028$3,487$2,178
30 years$13,231$9,485$6,670$4,615$3,151$1,929
31 years$12,666$8,967$6,218$4,238$2,849$1,709
32 years$12,137$8,484$5,802$3,895$2,577$1,514
33 years$11,641$8,035$5,417$3,582$2,332$1,343
34 years$11,175$7,615$5,061$3,296$2,111$1,191
35 years$10,736$7,223$4,732$3,034$1,912$1,056
36 years$10,324$6,856$4,427$2,794$1,733$937
37 years$9,934$6,511$4,143$2,574$1,570$832
38 years$9,565$6,188$3,880$2,373$1,424$738
39 years$9,217$5,884$3,635$2,188$1,291$655
40 years$8,887$5,598$3,407$2,018$1,171$582
41 years$8,573$5,329$3,195$1,862$1,062$517
42 years$8,275$5,075$2,997$1,718$964$459
43 years$7,992$4,836$2,812$1,586$875$408
44 years$7,723$4,609$2,640$1,465$794$362
45 years$7,466$4,395$2,479$1,353$721$322
46 years$7,221$4,193$2,328$1,249$655$286
47 years$6,988$4,002$2,187$1,154$594$254
48 years$6,764$3,820$2,055$1,067$540$226
49 years$6,551$3,648$1,932$986$490$200
50 years$6,346$3,485$1,816$911$445$178

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,500,000, adding $4,527 every year, while hoping to spend $26,194 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: 76/9/15 Blend
34$6,500,000$6,500,000$6,500,000$6,500,000
35$7,167,670$6,823,170$6,722,420$7,688,979
36$7,870,902$7,129,635$6,919,750$8,340,304
37$8,644,986$7,450,239$7,122,814$9,050,439
38$9,497,120$7,785,647$7,331,775$9,828,258
39$10,435,239$8,136,556$7,546,801$10,680,496
40$11,468,082$8,503,696$7,768,068$11,614,570
41$12,605,281$8,887,831$7,995,753$12,638,647
42$13,857,449$9,289,765$8,230,040$13,761,719
43$15,236,282$9,710,336$8,471,119$14,993,690
44$16,754,664$10,150,423$8,719,183$16,345,465
45$18,426,796$10,610,950$8,974,432$17,829,055
46$20,268,324$11,092,883$9,237,071$19,457,688
47$22,296,492$11,597,233$9,507,311$21,245,933
48$24,530,298$12,125,061$9,785,370$23,209,835
49$26,990,678$12,677,479$10,071,470$25,367,070
50$29,700,704$13,255,651$10,365,840$27,737,105
51$32,685,796$13,860,799$10,668,717$30,341,383
52$35,973,971$14,494,201$10,980,342$33,203,525
53$39,596,097$15,157,198$11,300,964$36,349,552
54$43,586,192$15,851,194$11,630,840$39,808,125
55$47,981,743$16,577,662$11,970,232$43,610,820
56$52,824,057$17,338,144$12,319,412$47,792,422
57$58,158,656$18,134,257$12,678,656$52,391,249
58$64,035,699$18,967,696$13,048,252$57,449,519
59$70,510,464$19,840,237$13,428,492$63,013,738
60$77,643,863$20,753,741$13,819,678$69,135,146
61$85,503,021$21,710,158$14,222,121$75,870,192
62$94,161,906$22,711,533$14,636,140$83,281,071
63$103,702,032$23,760,010$15,062,062$91,436,304
64$114,213,223$24,857,833$15,500,224$100,411,384
65$125,794,462$26,007,358$15,950,972$110,289,489
66$138,554,830$27,211,051$16,414,663$121,162,265
67$152,614,530$28,471,500$16,891,661$133,130,683
68$168,106,023$29,791,414$17,382,342$146,305,999
69$185,175,279$31,173,635$17,887,093$160,810,793
70$203,983,157$32,621,143$18,406,310$176,780,130
71$224,706,918$34,137,058$18,940,401$194,362,829
72$247,541,904$35,724,654$19,489,784$213,722,865
73$272,703,376$37,387,360$20,054,890$235,040,917
74$300,428,553$39,128,774$20,636,162$258,516,066
75$330,978,846$40,952,663$21,234,053$284,367,676
76$364,642,325$42,862,981$21,849,031$312,837,460
77$401,736,444$44,863,869$22,481,575$344,191,754
78$442,611,032$46,959,669$23,132,179$378,724,035
79$487,651,598$49,154,934$23,801,348$416,757,684
80$537,282,971$51,454,435$24,489,602$458,649,034
81$591,973,307$53,863,176$25,197,477$504,790,731
82$652,238,513$56,386,400$25,925,521$555,615,437
83$718,647,114$59,029,606$26,674,299$611,599,910
84$791,825,621$61,798,558$27,444,389$673,269,501
85$872,464,445$64,699,298$28,236,387$741,203,106
86$961,324,416$67,738,162$29,050,904$816,038,627
87$1,059,243,966$70,921,791$29,888,568$898,478,994
88$1,167,147,039$74,257,148$30,750,024$989,298,786
89$1,286,051,823$77,751,533$31,635,935$1,089,351,546
90$1,417,080,351$81,412,601$32,546,982$1,199,577,830
91$1,561,469,104$85,248,375$33,483,862$1,321,014,081
92$1,720,580,675$89,267,268$34,447,295$1,454,802,405
93$1,895,916,642$93,478,102$35,438,016$1,602,201,348
94$2,089,131,734$97,890,124$36,456,785$1,764,597,773
95$2,302,049,461$102,513,030$37,504,377$1,943,519,940
96$2,536,679,324$107,356,986$38,581,592$2,140,651,932
97$2,795,235,789$112,432,652$39,689,249$2,357,849,542
98$3,080,159,191$117,751,204$40,828,190$2,597,157,785
99$3,394,138,775$123,324,360$41,999,281$2,860,830,198
100$3,740,138,082$129,164,405$43,203,409$3,151,350,105