Can I retire at age 35 with 6,600,000?

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 $6,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$545,022$540,167$535,431$530,807$526,293$512,323
2 years$269,813$264,788$259,918$255,196$250,616$236,639
3 years$178,088$173,042$168,184$163,506$159,001$145,455
4 years$132,235$127,204$122,395$117,797$113,401$100,389
5 years$104,731$99,729$94,983$90,480$86,206$73,764
6 years$86,400$81,437$76,761$72,357$68,211$56,352
7 years$73,312$68,390$63,789$59,489$55,474$44,198
8 years$63,500$58,623$54,098$49,904$46,021$35,323
9 years$55,873$51,042$46,594$42,507$38,757$28,626
10 years$49,775$44,991$40,622$36,641$33,022$23,447
11 years$44,789$40,053$35,763$31,889$28,400$19,365
12 years$40,637$35,949$31,739$27,971$24,611$16,100
13 years$37,126$32,488$28,356$24,694$21,461$13,457
14 years$34,119$29,530$25,478$21,921$18,813$11,296
15 years$31,516$26,977$23,004$19,549$16,564$9,516
16 years$29,240$24,750$20,856$17,504$14,640$8,040
17 years$27,235$22,794$18,978$15,728$12,981$6,810
18 years$25,454$21,063$17,325$14,174$11,542$5,779
19 years$23,862$19,521$15,860$12,807$10,287$4,913
20 years$22,431$18,140$14,555$11,599$9,189$4,183
21 years$21,139$16,896$13,388$10,527$8,223$3,566
22 years$19,965$15,772$12,339$9,572$7,371$3,042
23 years$18,895$14,751$11,393$8,717$6,616$2,598
24 years$17,915$13,821$10,537$7,950$5,947$2,221
25 years$17,016$12,970$9,759$7,261$5,351$1,899
26 years$16,187$12,190$9,051$6,639$4,820$1,625
27 years$15,420$11,472$8,405$6,077$4,346$1,391
28 years$14,710$10,810$7,813$5,568$3,921$1,191
29 years$14,050$10,198$7,271$5,106$3,541$1,020
30 years$13,435$9,631$6,773$4,686$3,199$874
31 years$12,861$9,105$6,314$4,303$2,893$749
32 years$12,323$8,615$5,891$3,955$2,617$643
33 years$11,820$8,158$5,500$3,637$2,368$551
34 years$11,347$7,732$5,139$3,346$2,144$472
35 years$10,902$7,334$4,805$3,080$1,942$405
36 years$10,482$6,961$4,495$2,837$1,759$348
37 years$10,087$6,611$4,207$2,614$1,595$298
38 years$9,713$6,283$3,940$2,409$1,446$256
39 years$9,359$5,975$3,691$2,221$1,311$220
40 years$9,023$5,684$3,460$2,049$1,189$188
41 years$8,705$5,411$3,244$1,890$1,079$162
42 years$8,403$5,153$3,043$1,745$979$139
43 years$8,115$4,910$2,856$1,611$888$119
44 years$7,842$4,680$2,680$1,487$806$102
45 years$7,581$4,463$2,517$1,373$732$88
46 years$7,332$4,258$2,364$1,269$665$75
47 years$7,095$4,063$2,221$1,172$604$65
48 years$6,868$3,879$2,087$1,083$548$55
49 years$6,651$3,704$1,962$1,001$498$48
50 years$6,444$3,538$1,844$925$452$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $6,600,000, adding $3,168 every year, while hoping to spend $27,603 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: 66/26/8 Blend
34$6,600,000$6,600,000$6,600,000$6,600,000
35$7,276,468$6,926,668$6,824,368$7,745,468
36$7,989,298$7,236,705$7,023,615$8,367,658
37$8,773,912$7,561,009$7,228,611$9,043,799
38$9,637,602$7,900,250$7,439,521$9,782,020
39$10,588,405$8,255,129$7,656,512$10,588,370
40$11,635,173$8,626,382$7,879,757$11,469,503
41$12,787,665$9,014,779$8,109,433$12,432,741
42$14,056,631$9,421,127$8,345,722$13,486,138
43$15,453,917$9,846,271$8,588,814$14,638,557
44$16,992,576$10,291,099$8,838,899$15,899,750
45$18,686,994$10,756,537$9,096,177$17,280,447
46$20,553,019$11,243,559$9,360,850$18,792,458
47$22,608,116$11,753,183$9,633,128$20,448,783
48$24,871,533$12,286,478$9,913,227$22,263,728
49$27,364,475$12,844,562$10,201,366$24,253,042
50$30,110,314$13,428,607$10,497,774$26,434,059
51$33,134,799$14,039,842$10,802,683$28,825,864
52$36,466,310$14,679,555$11,116,333$31,449,468
53$40,136,114$15,349,094$11,438,971$34,328,002
54$44,178,671$16,049,874$11,770,851$37,486,934
55$48,631,953$16,783,374$12,112,231$40,954,309
56$53,537,801$17,551,149$12,463,380$44,761,004
57$58,942,325$18,354,824$12,824,572$48,941,023
58$64,896,337$19,196,104$13,196,089$53,531,810
59$71,455,828$20,076,778$13,578,222$58,574,599
60$78,682,498$20,998,716$13,971,269$64,114,804
61$86,644,342$21,963,882$14,375,535$70,202,437
62$95,416,284$22,974,332$14,791,335$76,892,581
63$105,080,893$24,032,222$15,218,993$84,245,904
64$115,729,155$25,139,811$15,658,840$92,329,225
65$127,461,334$26,299,468$16,111,217$101,216,143
66$140,387,922$27,513,673$16,576,474$110,987,727
67$154,630,676$28,785,029$17,054,972$121,733,273
68$170,323,771$30,116,262$17,547,079$133,551,143
69$187,615,066$31,510,229$18,053,177$146,549,689
70$206,667,499$32,969,926$18,573,654$160,848,268
71$227,660,624$34,498,493$19,108,912$176,578,364
72$250,792,308$36,099,220$19,659,362$193,884,821
73$276,280,600$37,775,557$20,225,426$212,927,205
74$304,365,782$39,531,121$20,807,539$233,881,302
75$335,312,646$41,369,700$21,406,146$256,940,771
76$369,412,990$43,295,269$22,021,706$282,318,964
77$406,988,370$45,311,993$22,654,688$310,250,930
78$448,393,139$47,424,236$23,305,575$340,995,629
79$494,017,791$49,636,575$23,974,864$374,838,363
80$544,292,648$51,953,809$24,663,064$412,093,464
81$599,691,918$54,380,966$25,370,697$453,107,251
82$660,738,179$56,923,319$26,098,300$498,261,286
83$728,007,305$59,586,393$26,846,425$547,975,968
84$802,133,908$62,375,985$27,615,639$602,714,489
85$883,817,325$65,298,166$28,406,521$662,987,197
86$973,828,222$68,359,306$29,219,669$729,356,399
87$1,073,015,869$71,566,080$30,055,696$802,441,657
88$1,182,316,156$74,925,487$30,915,231$882,925,625
89$1,302,760,432$78,444,863$31,798,919$971,560,478
90$1,435,485,237$82,131,902$32,707,423$1,069,174,997
91$1,581,743,034$85,994,668$33,641,425$1,176,682,381
92$1,742,914,032$90,041,617$34,601,622$1,295,088,847
93$1,920,519,219$94,281,611$35,588,731$1,425,503,116
94$2,116,234,715$98,723,946$36,603,490$1,569,146,862
95$2,331,907,602$103,378,365$37,646,653$1,727,366,224
96$2,569,573,357$108,255,085$38,718,995$1,901,644,496
97$2,831,475,072$113,364,816$39,821,314$2,093,616,110
98$3,120,084,626$118,718,789$40,954,424$2,305,082,047
99$3,438,126,026$124,328,778$42,119,166$2,538,026,811
100$3,788,601,121$130,207,128$43,316,398$2,794,637,146