Can I retire at age 30 with 13,100,000?

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 $13,100,000?

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$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,006,748
2 years$535,538$525,564$515,897$506,525$497,434$459,702
3 years$353,479$343,462$333,820$324,536$315,593$279,179
4 years$262,467$252,481$242,935$233,810$225,083$190,266
5 years$207,874$197,948$188,528$179,588$171,105$137,975
6 years$171,491$161,639$152,358$143,618$135,389$103,971
7 years$145,513$135,744$126,611$118,076$110,108$80,394
8 years$126,039$116,358$107,376$99,051$91,345$63,309
9 years$110,900$101,311$92,483$84,370$76,926$50,531
10 years$98,796$89,300$80,629$72,728$65,545$40,744
11 years$88,899$79,499$70,984$63,295$56,371$33,113
12 years$80,658$71,354$62,997$55,518$48,850$27,078
13 years$73,689$64,483$56,283$49,014$42,598$22,251
14 years$67,722$58,613$50,571$43,509$37,341$18,358
15 years$62,555$53,544$45,659$38,803$32,878$15,194
16 years$58,038$49,126$41,396$34,744$29,058$12,608
17 years$54,057$45,243$37,669$31,217$25,764$10,485
18 years$50,522$41,807$34,387$28,133$22,909$8,734
19 years$47,362$38,746$31,480$25,420$20,419$7,286
20 years$44,523$36,005$28,890$23,023$18,239$6,086
21 years$41,957$33,537$26,574$20,895$16,321$5,089
22 years$39,627$31,305$24,492$18,998$14,630$4,258
23 years$37,503$29,279$22,614$17,302$13,133$3,565
24 years$35,559$27,433$20,914$15,780$11,804$2,987
25 years$33,774$25,744$19,370$14,412$10,622$2,504
26 years$32,128$24,196$17,965$13,177$9,568$2,100
27 years$30,607$22,771$16,682$12,061$8,626$1,762
28 years$29,197$21,457$15,508$11,051$7,783$1,478
29 years$27,887$20,242$14,432$10,134$7,028$1,241
30 years$26,666$19,117$13,443$9,300$6,350$1,041
31 years$25,526$18,071$12,532$8,542$5,741$874
32 years$24,460$17,099$11,693$7,850$5,194$734
33 years$23,460$16,193$10,918$7,219$4,700$617
34 years$22,521$15,348$10,201$6,642$4,255$518
35 years$21,638$14,557$9,537$6,114$3,854$435
36 years$20,806$13,817$8,922$5,631$3,492$365
37 years$20,020$13,123$8,350$5,188$3,165$307
38 years$19,278$12,471$7,820$4,782$2,869$258
39 years$18,575$11,859$7,326$4,409$2,602$217
40 years$17,910$11,283$6,867$4,067$2,360$182
41 years$17,278$10,740$6,439$3,752$2,141$153
42 years$16,678$10,229$6,040$3,463$1,943$129
43 years$16,108$9,746$5,668$3,197$1,763$108
44 years$15,565$9,290$5,320$2,952$1,601$91
45 years$15,047$8,859$4,995$2,726$1,453$76
46 years$14,554$8,451$4,692$2,518$1,319$64
47 years$14,083$8,065$4,408$2,326$1,198$54
48 years$13,632$7,699$4,142$2,150$1,088$45
49 years$13,202$7,352$3,893$1,987$988$38
50 years$12,790$7,023$3,660$1,836$898$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,100,000, adding $2,098 every year, while hoping to spend $37,412 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: 42/31/27 Blend
29$13,100,000$13,100,000$13,100,000$13,100,000
30$14,438,364$13,744,064$13,541,014$14,930,492
31$15,871,271$14,377,717$13,954,832$15,918,045
32$17,449,081$15,041,165$14,381,259$16,983,142
33$19,186,534$15,735,829$14,820,678$18,135,906
34$21,099,873$16,463,197$15,273,483$19,384,452
35$23,206,996$17,224,830$15,740,081$20,737,682
36$25,527,626$18,022,364$16,220,891$22,205,375
37$28,083,497$18,857,512$16,716,343$23,798,268
38$30,898,556$19,732,073$17,226,883$25,528,153
39$33,999,193$20,647,929$17,752,968$27,407,985
40$37,414,488$21,607,054$18,295,069$29,451,997
41$41,176,486$22,611,520$18,853,674$31,675,829
42$45,320,497$23,663,494$19,429,282$34,096,670
43$49,885,434$24,765,252$20,022,409$36,733,414
44$54,914,175$25,919,176$20,633,587$39,606,829
45$60,453,972$27,127,766$21,263,363$42,739,751
46$66,556,892$28,393,641$21,912,300$46,157,289
47$73,280,313$29,719,548$22,580,980$49,887,055
48$80,687,463$31,108,365$23,270,002$53,959,416
49$88,848,019$32,563,109$23,979,981$58,407,774
50$97,838,760$34,086,944$24,711,553$63,268,873
51$107,744,296$35,683,187$25,465,373$68,583,135
52$118,657,865$37,355,314$26,242,114$74,395,033
53$130,682,213$39,106,970$27,042,471$80,753,500
54$143,930,564$40,941,977$27,867,159$87,712,384
55$158,527,688$42,864,340$28,716,915$95,330,942
56$174,611,079$44,878,260$29,592,499$103,674,390
57$192,332,254$46,988,139$30,494,692$112,814,504
58$211,858,179$49,198,593$31,424,300$122,830,292
59$233,372,853$51,514,464$32,382,153$133,808,720
60$257,079,034$53,940,823$33,369,105$145,845,522
61$283,200,164$56,482,992$34,386,039$159,046,090
62$311,982,470$59,146,548$35,433,861$173,526,457
63$343,697,292$61,937,338$36,513,505$189,414,372
64$378,643,643$64,861,495$37,625,934$206,850,492
65$417,151,032$67,925,446$38,772,140$225,989,696
66$459,582,576$71,135,931$39,953,146$247,002,524
67$506,338,424$74,500,017$41,170,002$270,076,775
68$557,859,539$78,025,114$42,423,793$295,419,255
69$614,631,858$81,718,991$43,715,636$323,257,714
70$677,190,879$85,589,793$45,046,681$353,842,972
71$746,126,717$89,646,061$46,418,113$387,451,266
72$822,089,675$93,896,751$47,831,152$424,386,836
73$905,796,383$98,351,252$49,287,057$464,984,771
74$998,036,562$103,019,412$50,787,121$509,614,149
75$1,099,680,481$107,911,553$52,332,680$558,681,495
76$1,211,687,172$113,038,501$53,925,106$612,634,592
77$1,335,113,483$118,411,606$55,565,817$671,966,678
78$1,471,124,055$124,042,772$57,256,269$737,221,072
79$1,621,002,320$129,944,479$58,997,964$808,996,277
80$1,786,162,610$136,129,812$60,792,451$887,951,590
81$1,968,163,520$142,612,496$62,641,321$974,813,297
82$2,168,722,610$149,406,920$64,546,216$1,070,381,493
83$2,389,732,629$156,528,172$66,508,827$1,175,537,596
84$2,633,279,381$163,992,075$68,530,896$1,291,252,631
85$2,901,661,412$171,815,222$70,614,216$1,418,596,355
86$3,197,411,718$180,015,010$72,760,634$1,558,747,312
87$3,523,321,652$188,609,684$74,972,054$1,713,003,916
88$3,882,467,278$197,618,376$77,250,436$1,882,796,663
89$4,278,238,413$207,061,149$79,597,798$2,069,701,583
90$4,714,370,627$216,959,041$82,016,220$2,275,455,069
91$5,194,980,511$227,334,115$84,507,844$2,501,970,218
92$5,724,604,543$238,209,505$87,074,875$2,751,354,831
93$6,308,241,910$249,609,475$89,719,587$3,025,931,257
94$6,951,401,711$261,559,465$92,444,320$3,328,258,255
95$7,660,154,964$274,086,158$95,251,483$3,661,155,085
96$8,441,191,923$287,217,532$98,143,561$4,027,728,054
97$9,301,885,238$300,982,930$101,123,109$4,431,399,777
98$10,250,359,561$315,413,122$104,192,762$4,875,941,410
99$11,295,568,249$330,540,378$107,355,232$5,365,508,174
100$12,447,377,891$346,398,538$110,613,313$5,904,678,508