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%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,006,348
2 years$535,538$525,564$515,897$506,525$497,434$459,310
3 years$353,479$343,462$333,820$324,536$315,593$278,807
4 years$262,467$252,481$242,935$233,810$225,083$189,917
5 years$207,874$197,948$188,528$179,588$171,105$137,649
6 years$171,491$161,639$152,358$143,618$135,389$103,668
7 years$145,513$135,744$126,611$118,076$110,108$80,114
8 years$126,039$116,358$107,376$99,051$91,345$63,052
9 years$110,900$101,311$92,483$84,370$76,926$50,294
10 years$98,796$89,300$80,629$72,728$65,545$40,528
11 years$88,899$79,499$70,984$63,295$56,371$32,915
12 years$80,658$71,354$62,997$55,518$48,850$26,898
13 years$73,689$64,483$56,283$49,014$42,598$22,089
14 years$67,722$58,613$50,571$43,509$37,341$18,211
15 years$62,555$53,544$45,659$38,803$32,878$15,062
16 years$58,038$49,126$41,396$34,744$29,058$12,489
17 years$54,057$45,243$37,669$31,217$25,764$10,378
18 years$50,522$41,807$34,387$28,133$22,909$8,639
19 years$47,362$38,746$31,480$25,420$20,419$7,202
20 years$44,523$36,005$28,890$23,023$18,239$6,011
21 years$41,957$33,537$26,574$20,895$16,321$5,022
22 years$39,627$31,305$24,492$18,998$14,630$4,199
23 years$37,503$29,279$22,614$17,302$13,133$3,513
24 years$35,559$27,433$20,914$15,780$11,804$2,941
25 years$33,774$25,744$19,370$14,412$10,622$2,463
26 years$32,128$24,196$17,965$13,177$9,568$2,064
27 years$30,607$22,771$16,682$12,061$8,626$1,730
28 years$29,197$21,457$15,508$11,051$7,783$1,450
29 years$27,887$20,242$14,432$10,134$7,028$1,216
30 years$26,666$19,117$13,443$9,300$6,350$1,020
31 years$25,526$18,071$12,532$8,542$5,741$856
32 years$24,460$17,099$11,693$7,850$5,194$718
33 years$23,460$16,193$10,918$7,219$4,700$603
34 years$22,521$15,348$10,201$6,642$4,255$506
35 years$21,638$14,557$9,537$6,114$3,854$424
36 years$20,806$13,817$8,922$5,631$3,492$356
37 years$20,020$13,123$8,350$5,188$3,165$299
38 years$19,278$12,471$7,820$4,782$2,869$251
39 years$18,575$11,859$7,326$4,409$2,602$211
40 years$17,910$11,283$6,867$4,067$2,360$177
41 years$17,278$10,740$6,439$3,752$2,141$149
42 years$16,678$10,229$6,040$3,463$1,943$125
43 years$16,108$9,746$5,668$3,197$1,763$105
44 years$15,565$9,290$5,320$2,952$1,601$88
45 years$15,047$8,859$4,995$2,726$1,453$74
46 years$14,554$8,451$4,692$2,518$1,319$62
47 years$14,083$8,065$4,408$2,326$1,198$52
48 years$13,632$7,699$4,142$2,150$1,088$44
49 years$13,202$7,352$3,893$1,987$988$37
50 years$12,790$7,023$3,660$1,836$898$31

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 $5,025 every year, while hoping to spend $23,156 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: 50/37/13 Blend
29$13,100,000$13,100,000$13,100,000$13,100,000
30$14,441,383$13,747,083$13,544,033$15,112,185
31$15,889,767$14,396,053$13,973,121$16,221,970
32$17,485,109$15,076,045$14,415,806$17,424,464
33$19,242,376$15,788,557$14,872,521$18,730,686
34$21,178,058$16,535,156$15,343,711$20,150,391
35$23,310,328$17,317,487$15,829,833$21,694,294
36$25,659,210$18,137,273$16,331,362$23,374,159
37$28,246,773$18,996,323$16,848,786$25,202,914
38$31,097,332$19,896,531$17,382,608$27,194,760
39$34,237,684$20,839,885$17,933,350$29,365,304
40$37,697,358$21,828,469$18,501,546$31,731,696
41$41,508,891$22,864,467$19,087,752$34,312,789
42$45,708,144$23,950,171$19,692,537$37,129,304
43$50,334,628$25,087,983$20,316,490$40,204,028
44$55,431,887$26,280,422$20,960,220$43,562,010
45$61,047,906$27,530,129$21,624,353$47,230,800
46$67,235,560$28,839,873$22,309,537$51,240,695
47$74,053,120$30,212,559$23,016,439$55,625,017
48$81,564,795$31,651,232$23,745,747$60,420,422
49$89,841,347$33,159,085$24,498,172$65,667,234
50$98,960,751$34,739,466$25,274,447$71,409,815
51$109,008,935$36,395,887$26,075,329$77,696,976
52$120,080,590$38,132,030$26,901,596$84,582,426
53$132,280,066$39,951,755$27,754,055$92,125,269
54$145,722,353$41,859,111$28,633,536$100,390,547
55$160,534,169$43,858,344$29,540,896$109,449,844
56$176,855,157$45,953,905$30,477,018$119,381,952
57$194,839,200$48,150,464$31,442,816$130,273,593
58$214,655,878$50,452,916$32,439,229$142,220,234
59$236,492,063$52,866,395$33,467,230$155,326,965
60$260,553,690$55,396,285$34,527,819$169,709,479
61$287,067,696$58,048,232$35,622,030$185,495,149
62$316,284,162$60,828,156$36,750,929$202,824,212
63$348,478,677$63,742,267$37,915,616$221,851,074
64$383,954,940$66,797,076$39,117,227$242,745,754
65$423,047,622$69,999,410$40,356,931$265,695,463
66$466,125,529$73,356,431$41,635,939$290,906,356
67$513,595,085$76,875,648$42,955,495$318,605,453
68$565,904,166$80,564,937$44,316,886$349,042,763
69$623,546,328$84,432,556$45,721,438$382,493,622
70$687,065,468$88,487,166$47,170,521$419,261,261
71$757,060,959$92,737,850$48,665,547$459,679,650
72$834,193,307$97,194,135$50,207,973$504,116,621
73$919,190,386$101,866,010$51,799,302$552,977,313
74$1,012,854,312$106,763,951$53,441,086$606,707,966
75$1,116,069,014$111,898,947$55,134,924$665,800,105
76$1,229,808,578$117,282,519$56,882,468$730,795,145
77$1,355,146,444$122,926,754$58,685,422$802,289,471
78$1,493,265,539$128,844,323$60,545,542$880,940,033
79$1,645,469,449$135,048,519$62,464,642$967,470,508
80$1,813,194,718$141,553,282$64,444,593$1,062,678,094
81$1,998,024,418$148,373,231$66,487,325$1,167,440,997
82$2,201,703,087$155,523,699$68,594,829$1,282,726,678
83$2,426,153,207$163,020,765$70,769,161$1,409,600,939
84$2,673,493,345$170,881,293$73,012,439$1,549,237,944
85$2,946,058,162$179,122,972$75,326,851$1,702,931,249
86$3,246,420,448$187,764,351$77,714,654$1,872,105,965
87$3,577,415,414$196,824,885$80,178,175$2,058,332,156
88$3,942,167,459$206,324,977$82,719,817$2,263,339,610
89$4,344,119,666$216,286,027$85,342,057$2,489,034,104
90$4,787,066,309$226,730,479$88,047,453$2,737,515,337
91$5,275,188,672$237,681,872$90,838,642$3,011,096,689
92$5,813,094,527$249,164,894$93,718,347$3,312,326,990
93$6,405,861,632$261,205,437$96,689,375$3,644,014,511
94$7,059,085,672$273,830,658$99,754,623$4,009,253,406
95$7,778,933,089$287,069,039$102,917,081$4,411,452,840
96$8,572,199,294$300,950,451$106,179,833$4,854,369,094
97$9,446,372,825$315,506,227$109,546,061$5,342,140,940
98$10,409,706,046$330,769,225$113,019,047$5,879,328,627
99$11,471,293,057$346,773,910$116,602,179$6,470,956,836
100$12,641,155,547$363,556,431$120,298,950$7,122,562,017