Can I retire at age 30 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$834,049$826,619$819,371$812,296$805,388$779,295
2 years$412,895$405,206$397,753$390,527$383,518$357,475
3 years$272,529$264,806$257,372$250,214$243,320$218,143
4 years$202,360$194,661$187,301$180,265$173,538$149,421
5 years$160,269$152,616$145,353$138,461$131,921$108,928
6 years$132,218$124,623$117,467$110,728$104,384$82,535
7 years$112,190$104,658$97,616$91,036$84,892$64,184
8 years$97,175$89,711$82,786$76,368$70,426$50,845
9 years$85,503$78,110$71,303$65,048$59,309$40,831
10 years$76,171$68,850$62,164$56,072$50,534$33,131
11 years$68,540$61,293$54,728$48,800$43,461$27,101
12 years$62,186$55,013$48,570$42,804$37,663$22,310
13 years$56,814$49,716$43,394$37,789$32,843$18,459
14 years$52,213$45,190$38,990$33,545$28,790$15,335
15 years$48,229$41,282$35,202$29,917$25,349$12,783
16 years$44,747$37,876$31,916$26,787$22,403$10,684
17 years$41,677$34,882$29,042$24,068$19,864$8,950
18 years$38,952$32,233$26,512$21,690$17,662$7,512
19 years$36,516$29,873$24,270$19,599$15,743$6,315
20 years$34,327$27,759$22,274$17,750$14,062$5,315
21 years$32,348$25,857$20,488$16,110$12,584$4,478
22 years$30,552$24,136$18,883$14,647$11,280$3,777
23 years$28,915$22,574$17,435$13,340$10,125$3,187
24 years$27,416$21,151$16,124$12,167$9,101$2,692
25 years$26,039$19,849$14,934$11,111$8,189$2,275
26 years$24,771$18,655$13,851$10,159$7,377$1,923
27 years$23,598$17,556$12,862$9,299$6,651$1,626
28 years$22,511$16,543$11,957$8,520$6,001$1,376
29 years$21,500$15,607$11,127$7,813$5,419$1,164
30 years$20,559$14,739$10,364$7,170$4,896$985
31 years$19,680$13,933$9,662$6,586$4,427$834
32 years$18,858$13,183$9,015$6,052$4,004$706
33 years$18,088$12,485$8,417$5,566$3,624$598
34 years$17,364$11,833$7,865$5,121$3,281$506
35 years$16,683$11,223$7,353$4,714$2,972$429
36 years$16,041$10,653$6,878$4,341$2,692$363
37 years$15,436$10,117$6,438$4,000$2,440$308
38 years$14,863$9,615$6,029$3,687$2,212$261
39 years$14,322$9,143$5,649$3,400$2,006$221
40 years$13,808$8,699$5,294$3,136$1,820$187
41 years$13,321$8,281$4,964$2,893$1,651$159
42 years$12,859$7,886$4,657$2,670$1,498$134
43 years$12,419$7,514$4,370$2,465$1,360$114
44 years$12,000$7,162$4,102$2,276$1,234$96
45 years$11,601$6,830$3,851$2,102$1,120$82
46 years$11,221$6,515$3,617$1,941$1,017$69
47 years$10,858$6,218$3,398$1,794$924$59
48 years$10,511$5,936$3,194$1,657$839$50
49 years$10,179$5,668$3,002$1,532$762$42
50 years$9,861$5,415$2,822$1,416$692$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $10,100,000, adding $6,977 every year, while hoping to spend $40,123 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: 61/20/19 Blend
29$10,100,000$10,100,000$10,100,000$10,100,000
30$11,137,397$10,602,097$10,445,547$11,761,676
31$12,230,721$11,078,909$10,752,782$12,660,907
32$13,434,219$11,577,740$11,068,965$13,636,770
33$14,759,087$12,099,627$11,394,353$14,700,868
34$16,217,660$12,645,656$11,729,210$15,861,773
35$17,823,533$13,216,964$12,073,810$17,128,916
36$19,591,682$13,814,743$12,428,431$18,512,670
37$21,538,611$14,440,244$12,793,362$20,024,448
38$23,682,508$15,094,774$13,168,898$21,676,807
39$26,043,411$15,779,706$13,555,343$23,483,568
40$28,643,404$16,496,476$13,953,012$25,459,936
41$31,506,817$17,246,589$14,362,224$27,622,648
42$34,660,465$18,031,625$14,783,311$29,990,124
43$38,133,894$18,853,236$15,216,613$32,582,640
44$41,959,661$19,713,154$15,662,480$35,422,514
45$46,173,644$20,613,197$16,121,271$38,534,315
46$50,815,378$21,555,265$16,593,355$41,945,090
47$55,928,427$22,541,353$17,079,113$45,684,619
48$61,560,798$23,573,551$17,578,934$49,785,687
49$67,765,392$24,654,048$18,093,222$54,284,395
50$74,600,505$25,785,140$18,622,388$59,220,492
51$82,130,376$26,969,231$19,166,857$64,637,748
52$90,425,793$28,208,842$19,727,065$70,584,365
53$99,564,763$29,506,614$20,303,461$77,113,422
54$109,633,248$30,865,317$20,896,506$84,283,377
55$120,725,973$32,287,852$21,506,673$92,158,607
56$132,947,326$33,777,260$22,134,451$100,810,018
57$146,412,337$35,336,730$22,780,338$110,315,703
58$161,247,767$36,969,601$23,444,851$120,761,676
59$177,593,304$38,679,377$24,128,519$132,242,676
60$195,602,882$40,469,727$24,831,885$144,863,057
61$215,446,131$42,344,498$25,555,508$158,737,766
62$237,309,981$44,307,723$26,299,962$173,993,420
63$261,400,427$46,363,630$27,065,839$190,769,496
64$287,944,470$48,516,648$27,853,744$209,219,637
65$317,192,264$50,771,421$28,664,303$229,513,099
66$349,419,473$53,132,818$29,498,154$251,836,336
67$384,929,875$55,605,943$30,355,959$276,394,755
68$424,058,231$58,196,143$31,238,392$303,414,644
69$467,173,443$60,909,026$32,146,151$333,145,299
70$514,682,037$63,750,471$33,079,949$365,861,369
71$567,032,000$66,726,639$34,040,523$401,865,437
72$624,717,009$69,843,990$35,028,625$441,490,867
73$688,281,094$73,109,295$36,045,034$485,104,940
74$758,323,767$76,529,652$37,090,545$533,112,307
75$835,505,691$80,112,505$38,165,977$585,958,799
76$920,554,907$83,865,653$39,272,173$644,135,625
77$1,014,273,714$87,797,276$40,409,997$708,183,990
78$1,117,546,238$91,915,949$41,580,338$778,700,197
79$1,231,346,784$96,230,659$42,784,108$856,341,257
80$1,356,749,025$100,750,831$44,022,246$941,831,078
81$1,494,936,149$105,486,345$45,295,714$1,035,967,284
82$1,647,212,020$110,447,559$46,605,504$1,139,628,726
83$1,815,013,489$115,645,333$47,952,631$1,253,783,763
84$1,999,923,962$121,091,051$49,338,142$1,379,499,388
85$2,203,688,345$126,796,651$50,763,108$1,517,951,275
86$2,428,229,517$132,774,648$52,228,633$1,670,434,866
87$2,675,666,485$139,038,164$53,735,850$1,838,377,576
88$2,948,334,387$145,600,954$55,285,922$2,023,352,245
89$3,248,806,538$152,477,444$56,880,043$2,227,091,968
90$3,579,918,722$159,682,756$58,519,442$2,451,506,433
91$3,944,795,967$167,232,747$60,205,379$2,698,699,919
92$4,346,882,046$175,144,042$61,939,149$2,970,991,142
93$4,789,971,987$183,434,072$63,722,083$3,270,935,115
94$5,278,247,903$192,121,115$65,555,546$3,601,347,242
95$5,816,318,474$201,224,334$67,440,941$3,965,329,866
96$6,409,262,455$210,763,823$69,379,710$4,366,301,527
97$7,062,676,627$220,760,652$71,373,331$4,808,029,205
98$7,782,728,630$231,236,911$73,423,325$5,294,663,845
99$8,576,215,196$242,215,765$75,531,252$5,830,779,513
100$9,450,626,311$253,721,503$77,698,714$6,421,416,539