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%18.4%
1 years$834,049$826,619$819,371$812,296$805,388$778,051
2 years$412,895$405,206$397,753$390,527$383,518$356,250
3 years$272,529$264,806$257,372$250,214$243,320$216,978
4 years$202,360$194,661$187,301$180,265$173,538$148,323
5 years$160,269$152,616$145,353$138,461$131,921$107,900
6 years$132,218$124,623$117,467$110,728$104,384$81,577
7 years$112,190$104,658$97,616$91,036$84,892$63,294
8 years$97,175$89,711$82,786$76,368$70,426$50,021
9 years$85,503$78,110$71,303$65,048$59,309$40,072
10 years$76,171$68,850$62,164$56,072$50,534$32,434
11 years$68,540$61,293$54,728$48,800$43,461$26,462
12 years$62,186$55,013$48,570$42,804$37,663$21,725
13 years$56,814$49,716$43,394$37,789$32,843$17,926
14 years$52,213$45,190$38,990$33,545$28,790$14,851
15 years$48,229$41,282$35,202$29,917$25,349$12,344
16 years$44,747$37,876$31,916$26,787$22,403$10,288
17 years$41,677$34,882$29,042$24,068$19,864$8,593
18 years$38,952$32,233$26,512$21,690$17,662$7,191
19 years$36,516$29,873$24,270$19,599$15,743$6,026
20 years$34,327$27,759$22,274$17,750$14,062$5,057
21 years$32,348$25,857$20,488$16,110$12,584$4,248
22 years$30,552$24,136$18,883$14,647$11,280$3,571
23 years$28,915$22,574$17,435$13,340$10,125$3,004
24 years$27,416$21,151$16,124$12,167$9,101$2,529
25 years$26,039$19,849$14,934$11,111$8,189$2,130
26 years$24,771$18,655$13,851$10,159$7,377$1,795
27 years$23,598$17,556$12,862$9,299$6,651$1,513
28 years$22,511$16,543$11,957$8,520$6,001$1,276
29 years$21,500$15,607$11,127$7,813$5,419$1,076
30 years$20,559$14,739$10,364$7,170$4,896$908
31 years$19,680$13,933$9,662$6,586$4,427$766
32 years$18,858$13,183$9,015$6,052$4,004$646
33 years$18,088$12,485$8,417$5,566$3,624$546
34 years$17,364$11,833$7,865$5,121$3,281$461
35 years$16,683$11,223$7,353$4,714$2,972$389
36 years$16,041$10,653$6,878$4,341$2,692$328
37 years$15,436$10,117$6,438$4,000$2,440$277
38 years$14,863$9,615$6,029$3,687$2,212$234
39 years$14,322$9,143$5,649$3,400$2,006$198
40 years$13,808$8,699$5,294$3,136$1,820$167
41 years$13,321$8,281$4,964$2,893$1,651$141
42 years$12,859$7,886$4,657$2,670$1,498$119
43 years$12,419$7,514$4,370$2,465$1,360$100
44 years$12,000$7,162$4,102$2,276$1,234$85
45 years$11,601$6,830$3,851$2,102$1,120$72
46 years$11,221$6,515$3,617$1,941$1,017$61
47 years$10,858$6,218$3,398$1,794$924$51
48 years$10,511$5,936$3,194$1,657$839$43
49 years$10,179$5,668$3,002$1,532$762$36
50 years$9,861$5,415$2,822$1,416$692$31

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 $4,537 every year, while hoping to spend $41,527 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: 72/15/13 Blend
29$10,100,000$10,100,000$10,100,000$10,100,000
30$11,134,880$10,599,580$10,443,030$11,905,378
31$12,226,453$11,074,775$10,748,687$12,891,475
32$13,427,975$11,571,863$11,063,192$13,965,401
33$14,750,617$12,091,872$11,386,797$15,140,261
34$16,206,687$12,635,881$11,719,762$16,426,027
35$17,809,749$13,205,019$12,062,354$17,833,673
36$19,574,747$13,800,469$12,414,847$19,375,281
37$21,518,150$14,423,471$12,777,523$21,064,150
38$23,658,104$15,075,323$13,150,672$22,914,921
39$26,014,604$15,757,387$13,534,593$24,943,714
40$28,609,683$16,471,089$13,929,591$27,168,276
41$31,467,620$17,217,921$14,335,982$29,608,149
42$34,615,169$17,999,451$14,754,088$32,284,850
43$38,081,810$18,817,318$15,184,244$35,222,073
44$41,900,029$19,673,241$15,626,791$38,445,911
45$46,105,623$20,569,021$16,082,080$41,985,097
46$50,738,040$21,506,546$16,550,473$45,871,275
47$55,840,746$22,487,794$17,032,340$50,139,296
48$61,461,643$23,514,836$17,528,064$54,827,543
49$67,653,513$24,589,846$18,038,037$59,978,291
50$74,474,522$25,715,099$18,562,661$65,638,104
51$81,988,765$26,892,980$19,102,352$71,858,268
52$90,266,872$28,125,989$19,657,534$78,695,275
53$99,386,677$29,416,746$20,228,645$86,211,352
54$109,433,948$30,767,997$20,816,135$94,475,045
55$120,503,200$32,182,619$21,420,465$103,561,860
56$132,698,587$33,663,627$22,042,111$113,554,975
57$146,134,880$35,214,182$22,681,559$124,546,018
58$160,938,559$36,837,598$23,339,312$136,635,931
59$177,248,997$38,537,345$24,015,884$149,935,915
60$195,219,783$40,317,063$24,711,805$164,568,476
61$215,020,167$42,180,566$25,427,617$180,668,580
62$236,836,662$44,131,852$26,163,880$198,384,916
63$260,874,800$46,175,111$26,921,168$217,881,298
64$287,361,072$48,314,734$27,700,070$239,338,205
65$316,545,071$50,555,326$28,501,192$262,954,478
66$348,701,843$52,901,711$29,325,156$288,949,195
67$384,134,485$55,358,949$30,172,603$317,563,726
68$423,177,005$57,932,340$31,044,188$349,064,010
69$466,197,477$60,627,443$31,940,586$383,743,057
70$513,601,515$63,450,083$32,862,491$421,923,707
71$565,836,100$66,406,366$33,810,614$463,961,669
72$623,393,800$69,502,696$34,785,687$510,248,874
73$686,817,421$72,745,782$35,788,462$561,217,162
74$756,705,132$76,142,659$36,819,709$617,342,355
75$833,716,107$79,700,701$37,880,221$679,148,736
76$918,576,754$83,427,640$38,970,813$747,213,992
77$1,012,087,568$87,331,579$40,092,320$822,174,656
78$1,115,130,688$91,421,015$41,245,601$904,732,104
79$1,228,678,228$95,704,854$42,431,538$995,659,172
80$1,353,801,449$100,192,433$43,651,036$1,095,807,432
81$1,491,680,877$104,893,543$44,905,026$1,206,115,226
82$1,643,617,444$109,818,445$46,194,463$1,327,616,510
83$1,811,044,773$114,977,898$47,520,326$1,461,450,603
84$1,995,542,707$120,383,182$48,883,625$1,608,872,925
85$2,198,852,228$126,046,123$50,285,391$1,771,266,844
86$2,422,891,892$131,979,120$51,726,689$1,950,156,710
87$2,669,775,939$138,195,171$53,208,606$2,147,222,239
88$2,941,834,255$144,707,903$54,732,264$2,364,314,351
89$3,241,634,365$151,531,607$56,298,812$2,603,472,628
90$3,572,005,677$158,681,262$57,909,428$2,866,944,550
91$3,936,066,187$166,172,576$59,565,326$3,157,206,697
92$4,337,251,922$174,022,016$61,267,748$3,476,988,106
93$4,779,349,371$182,246,848$63,017,971$3,829,296,021
94$5,266,531,240$190,865,176$64,817,305$4,217,444,257
95$5,803,395,838$199,895,981$66,667,097$4,645,084,466
96$6,395,010,496$209,359,166$68,568,727$5,116,240,588
97$7,046,959,399$219,275,598$70,523,612$5,635,346,815
98$7,765,396,312$229,667,157$72,533,207$6,207,289,428
99$8,557,102,673$240,556,785$74,599,006$6,837,452,903
100$9,429,551,614$251,968,536$76,722,542$7,531,770,714