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%15%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,023,103
2 years$535,538$525,564$515,897$506,525$497,434$475,862
3 years$353,479$343,462$333,820$324,536$315,593$294,630
4 years$262,467$252,481$242,935$233,810$225,083$204,892
5 years$207,874$197,948$188,528$179,588$171,105$151,742
6 years$171,491$161,639$152,358$143,618$135,389$116,876
7 years$145,513$135,744$126,611$118,076$110,108$92,448
8 years$126,039$116,358$107,376$99,051$91,345$74,533
9 years$110,900$101,311$92,483$84,370$76,926$60,950
10 years$98,796$89,300$80,629$72,728$65,545$50,390
11 years$88,899$79,499$70,984$63,295$56,371$42,018
12 years$80,658$71,354$62,997$55,518$48,850$35,277
13 years$73,689$64,483$56,283$49,014$42,598$29,783
14 years$67,722$58,613$50,571$43,509$37,341$25,259
15 years$62,555$53,544$45,659$38,803$32,878$21,503
16 years$58,038$49,126$41,396$34,744$29,058$18,362
17 years$54,057$45,243$37,669$31,217$25,764$15,722
18 years$50,522$41,807$34,387$28,133$22,909$13,491
19 years$47,362$38,746$31,480$25,420$20,419$11,598
20 years$44,523$36,005$28,890$23,023$18,239$9,987
21 years$41,957$33,537$26,574$20,895$16,321$8,611
22 years$39,627$31,305$24,492$18,998$14,630$7,434
23 years$37,503$29,279$22,614$17,302$13,133$6,423
24 years$35,559$27,433$20,914$15,780$11,804$5,555
25 years$33,774$25,744$19,370$14,412$10,622$4,808
26 years$32,128$24,196$17,965$13,177$9,568$4,164
27 years$30,607$22,771$16,682$12,061$8,626$3,608
28 years$29,197$21,457$15,508$11,051$7,783$3,128
29 years$27,887$20,242$14,432$10,134$7,028$2,713
30 years$26,666$19,117$13,443$9,300$6,350$2,353
31 years$25,526$18,071$12,532$8,542$5,741$2,042
32 years$24,460$17,099$11,693$7,850$5,194$1,773
33 years$23,460$16,193$10,918$7,219$4,700$1,539
34 years$22,521$15,348$10,201$6,642$4,255$1,337
35 years$21,638$14,557$9,537$6,114$3,854$1,161
36 years$20,806$13,817$8,922$5,631$3,492$1,009
37 years$20,020$13,123$8,350$5,188$3,165$876
38 years$19,278$12,471$7,820$4,782$2,869$761
39 years$18,575$11,859$7,326$4,409$2,602$662
40 years$17,910$11,283$6,867$4,067$2,360$575
41 years$17,278$10,740$6,439$3,752$2,141$500
42 years$16,678$10,229$6,040$3,463$1,943$434
43 years$16,108$9,746$5,668$3,197$1,763$378
44 years$15,565$9,290$5,320$2,952$1,601$328
45 years$15,047$8,859$4,995$2,726$1,453$285
46 years$14,554$8,451$4,692$2,518$1,319$248
47 years$14,083$8,065$4,408$2,326$1,198$216
48 years$13,632$7,699$4,142$2,150$1,088$188
49 years$13,202$7,352$3,893$1,987$988$163
50 years$12,790$7,023$3,660$1,836$898$142

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 $2,857 every year, while hoping to spend $25,668 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: 66/7/27 Blend
29$13,100,000$13,100,000$13,100,000$13,100,000
30$14,439,147$13,744,847$13,541,797$15,289,700
31$15,884,629$14,391,034$13,968,137$16,509,860
32$17,476,691$15,068,024$14,407,898$17,840,292
33$19,230,255$15,777,299$14,861,505$19,294,423
34$21,161,768$16,520,413$15,329,392$20,884,452
35$23,289,350$17,298,995$15,812,009$22,623,804
36$25,632,972$18,114,754$16,309,819$24,527,258
37$28,214,639$18,969,481$16,823,302$26,611,084
38$31,058,600$19,865,053$17,352,950$28,893,193
39$34,191,576$20,803,440$17,899,273$31,393,309
40$37,643,013$21,786,704$18,462,794$34,133,145
41$41,445,359$22,817,012$19,044,057$37,136,612
42$45,634,371$23,896,631$19,643,619$40,430,039
43$50,249,453$25,027,942$20,262,055$44,042,421
44$55,334,024$26,213,438$20,899,962$48,005,687
45$60,935,935$27,455,737$21,557,951$52,355,002
46$67,107,912$28,757,580$22,236,654$57,129,093
47$73,908,062$30,121,844$22,936,724$62,370,616
48$81,400,413$31,551,543$23,658,834$68,126,550
49$89,655,527$33,049,841$24,403,676$74,448,640
50$98,751,159$34,620,051$25,171,967$81,393,883
51$108,772,994$36,265,651$25,964,446$89,025,062
52$119,815,458$37,990,285$26,781,872$97,411,333
53$131,982,602$39,797,777$27,625,033$106,628,876
54$145,389,093$41,692,134$28,494,737$116,761,610
55$160,161,290$43,677,558$29,391,821$127,901,981
56$176,438,441$45,758,458$30,317,146$140,151,831
57$194,373,993$47,939,453$31,271,601$153,623,352
58$214,137,045$50,225,391$32,256,104$168,440,145
59$235,913,940$52,621,352$33,271,601$184,738,380
60$259,910,029$55,132,665$34,319,066$202,668,074
61$286,351,604$57,764,917$35,399,507$222,394,507
62$315,488,038$60,523,969$36,513,961$244,099,773
63$347,594,139$63,415,964$37,663,499$267,984,493
64$382,972,740$66,447,346$38,849,226$294,269,709
65$421,957,566$69,624,872$40,072,281$323,198,956
66$464,916,374$72,955,627$41,333,838$355,040,562
67$512,254,433$76,447,041$42,635,111$390,090,171
68$564,418,347$80,106,908$43,977,349$428,673,527
69$621,900,269$83,943,398$45,361,842$471,149,544
70$685,242,553$87,965,080$46,789,919$517,913,687
71$755,042,865$92,180,941$48,262,954$569,401,694
72$831,959,835$96,600,405$49,782,360$626,093,686
73$916,719,268$101,233,355$51,349,599$688,518,689
74$1,010,120,998$106,090,154$52,966,175$757,259,620
75$1,113,046,440$111,181,672$54,633,643$832,958,782
76$1,226,466,910$116,519,307$56,353,602$916,323,915
77$1,351,452,794$122,115,012$58,127,708$1,008,134,874
78$1,489,183,656$127,981,324$59,957,662$1,109,250,973
79$1,640,959,370$134,131,390$61,845,225$1,220,619,095
80$1,808,212,395$140,578,997$63,792,209$1,343,282,613
81$1,992,521,296$147,338,605$65,800,485$1,478,391,233
82$2,195,625,648$154,425,377$67,871,982$1,627,211,837
83$2,419,442,461$161,855,217$70,008,690$1,791,140,427
84$2,666,084,274$169,644,804$72,212,662$1,971,715,291
85$2,937,879,099$177,811,629$74,486,016$2,170,631,517
86$3,237,392,405$186,374,037$76,830,936$2,389,756,976
87$3,567,451,332$195,351,266$79,249,674$2,631,149,948
88$3,931,171,384$204,763,494$81,744,553$2,897,078,529
89$4,331,985,842$214,631,882$84,317,972$3,190,042,038
90$4,773,678,176$224,978,622$86,972,403$3,512,794,588
91$5,260,417,766$235,826,991$89,710,394$3,868,371,073
92$5,796,799,263$247,201,399$92,534,578$4,260,115,802
93$6,387,885,968$259,127,448$95,447,667$4,691,714,052
94$7,039,257,632$271,631,988$98,452,459$5,167,226,841
95$7,757,063,136$284,743,181$101,551,841$5,691,129,247
96$8,548,078,540$298,490,560$104,748,792$6,268,352,633
97$9,419,771,056$312,905,103$108,046,381$6,904,331,185
98$10,380,369,547$328,019,296$111,447,778$7,605,053,189
99$11,438,942,212$343,867,213$114,956,250$8,377,117,542
100$12,605,482,200$360,484,589$118,575,167$9,227,796,026