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%19%
1 years$834,049$826,619$819,371$812,296$805,388$776,195
2 years$412,895$405,206$397,753$390,527$383,518$354,427
3 years$272,529$264,806$257,372$250,214$243,320$215,245
4 years$202,360$194,661$187,301$180,265$173,538$146,694
5 years$160,269$152,616$145,353$138,461$131,921$106,378
6 years$132,218$124,623$117,467$110,728$104,384$80,161
7 years$112,190$104,658$97,616$91,036$84,892$61,983
8 years$97,175$89,711$82,786$76,368$70,426$48,811
9 years$85,503$78,110$71,303$65,048$59,309$38,959
10 years$76,171$68,850$62,164$56,072$50,534$31,414
11 years$68,540$61,293$54,728$48,800$43,461$25,530
12 years$62,186$55,013$48,570$42,804$37,663$20,877
13 years$56,814$49,716$43,394$37,789$32,843$17,156
14 years$52,213$45,190$38,990$33,545$28,790$14,154
15 years$48,229$41,282$35,202$29,917$25,349$11,714
16 years$44,747$37,876$31,916$26,787$22,403$9,721
17 years$41,677$34,882$29,042$24,068$19,864$8,084
18 years$38,952$32,233$26,512$21,690$17,662$6,734
19 years$36,516$29,873$24,270$19,599$15,743$5,618
20 years$34,327$27,759$22,274$17,750$14,062$4,692
21 years$32,348$25,857$20,488$16,110$12,584$3,923
22 years$30,552$24,136$18,883$14,647$11,280$3,283
23 years$28,915$22,574$17,435$13,340$10,125$2,749
24 years$27,416$21,151$16,124$12,167$9,101$2,303
25 years$26,039$19,849$14,934$11,111$8,189$1,931
26 years$24,771$18,655$13,851$10,159$7,377$1,619
27 years$23,598$17,556$12,862$9,299$6,651$1,358
28 years$22,511$16,543$11,957$8,520$6,001$1,140
29 years$21,500$15,607$11,127$7,813$5,419$956
30 years$20,559$14,739$10,364$7,170$4,896$803
31 years$19,680$13,933$9,662$6,586$4,427$674
32 years$18,858$13,183$9,015$6,052$4,004$566
33 years$18,088$12,485$8,417$5,566$3,624$475
34 years$17,364$11,833$7,865$5,121$3,281$399
35 years$16,683$11,223$7,353$4,714$2,972$335
36 years$16,041$10,653$6,878$4,341$2,692$282
37 years$15,436$10,117$6,438$4,000$2,440$237
38 years$14,863$9,615$6,029$3,687$2,212$199
39 years$14,322$9,143$5,649$3,400$2,006$167
40 years$13,808$8,699$5,294$3,136$1,820$140
41 years$13,321$8,281$4,964$2,893$1,651$118
42 years$12,859$7,886$4,657$2,670$1,498$99
43 years$12,419$7,514$4,370$2,465$1,360$83
44 years$12,000$7,162$4,102$2,276$1,234$70
45 years$11,601$6,830$3,851$2,102$1,120$59
46 years$11,221$6,515$3,617$1,941$1,017$49
47 years$10,858$6,218$3,398$1,794$924$42
48 years$10,511$5,936$3,194$1,657$839$35
49 years$10,179$5,668$3,002$1,532$762$29
50 years$9,861$5,415$2,822$1,416$692$25

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 $3,975 every year, while hoping to spend $24,442 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: 54/31/15 Blend
29$10,100,000$10,100,000$10,100,000$10,100,000
30$11,134,300$10,599,000$10,442,450$11,691,020
31$12,243,993$11,092,345$10,766,266$12,564,273
32$13,466,055$11,609,045$11,100,111$13,511,340
33$14,811,922$12,150,218$11,444,294$14,541,643
34$16,294,196$12,717,036$11,799,136$15,663,113
35$17,926,763$13,310,730$12,164,966$16,884,465
36$19,724,925$13,932,588$12,542,124$18,215,276
37$21,705,542$14,583,959$12,930,961$19,666,072
38$23,887,196$15,266,262$13,331,836$21,248,429
39$26,290,360$15,980,979$13,745,123$22,975,069
40$28,937,597$16,729,668$14,171,205$24,859,986
41$31,853,770$17,513,959$14,610,478$26,918,565
42$35,066,275$18,335,564$15,063,350$29,167,731
43$38,605,303$19,196,275$15,530,240$31,626,097
44$42,504,124$20,097,972$16,011,583$34,314,140
45$46,799,399$21,042,626$16,507,825$37,254,386
46$51,531,526$22,032,304$17,019,426$40,471,620
47$56,745,027$23,069,172$17,546,862$43,993,113
48$62,488,959$24,155,500$18,090,621$47,848,873
49$68,817,384$25,293,671$18,651,208$52,071,923
50$75,789,877$26,486,181$19,229,143$56,698,609
51$83,472,087$27,735,647$19,824,963$61,768,930
52$91,936,360$29,044,813$20,439,218$67,326,917
53$101,262,417$30,416,557$21,072,481$73,421,035
54$111,538,111$31,853,896$21,725,337$80,104,634
55$122,860,255$33,359,993$22,398,391$87,436,449
56$135,335,532$34,938,164$23,092,269$95,481,141
57$149,081,509$36,591,887$23,807,613$104,309,901
58$164,227,741$38,324,808$24,545,086$114,001,114
59$180,916,996$40,140,749$25,305,372$124,641,088
60$199,306,603$42,043,719$26,089,175$136,324,858
61$219,569,936$44,037,920$26,897,222$149,157,075
62$241,898,052$46,127,761$27,730,261$163,252,984
63$266,501,493$48,317,861$28,589,064$178,739,496
64$293,612,275$50,613,066$29,474,428$195,756,378
65$323,486,077$53,018,456$30,387,171$214,457,558
66$356,404,655$55,539,359$31,328,140$235,012,569
67$392,678,503$58,181,361$32,298,206$257,608,130
68$432,649,782$60,950,319$33,298,267$282,449,899
69$476,695,550$63,852,375$34,329,249$309,764,397
70$525,231,325$66,893,969$35,392,108$339,801,132
71$578,715,002$70,081,856$36,487,826$372,834,938
72$637,651,182$73,423,117$37,617,418$409,168,553
73$702,595,931$76,925,179$38,781,930$449,135,458
74$774,162,031$80,595,827$39,982,439$493,103,007
75$853,024,765$84,443,229$41,220,057$541,475,874
76$939,928,290$88,475,947$42,495,929$594,699,857
77$1,035,692,668$92,702,960$43,811,234$653,266,060
78$1,141,221,601$97,133,686$45,167,191$717,715,509
79$1,257,510,965$101,777,998$46,565,053$788,644,237
80$1,385,658,215$106,646,251$48,006,114$866,708,883
81$1,526,872,740$111,749,304$49,491,706$952,632,870
82$1,682,487,284$117,098,545$51,023,203$1,047,213,203
83$1,853,970,527$122,705,914$52,602,020$1,151,327,969
84$2,042,940,952$128,583,935$54,229,619$1,265,944,591
85$2,251,182,122$134,745,740$55,907,504$1,392,128,936
86$2,480,659,518$141,205,101$57,637,225$1,531,055,344
87$2,733,539,098$147,976,460$59,420,382$1,684,017,677
88$3,012,207,744$155,074,964$61,258,622$1,852,441,500
89$3,319,295,792$162,516,496$63,153,644$2,037,897,505
90$3,657,701,872$170,317,713$65,107,200$2,242,116,295
91$4,030,620,265$178,496,084$67,121,094$2,467,004,686
92$4,441,571,068$187,069,928$69,197,186$2,714,663,661
93$4,894,433,421$196,058,458$71,337,396$2,987,408,164
94$5,393,482,129$205,481,822$73,543,698$3,287,788,908
95$5,943,428,026$215,361,151$75,818,131$3,618,616,400
96$6,549,462,442$225,718,604$78,162,796$3,982,987,431
97$7,217,306,217$236,577,423$80,579,856$4,384,314,252
98$7,953,263,715$247,961,979$83,071,545$4,826,356,735
99$8,764,282,333$259,897,836$85,640,161$5,313,257,808
100$9,658,018,100$272,411,799$88,288,076$5,849,582,506