Can I retire at age 30 with 13,200,000?

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 $13,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$1,090,044$1,080,334$1,070,861$1,061,615$1,052,587$1,033,449
2 years$539,626$529,576$519,835$510,392$501,232$482,019
3 years$356,177$346,083$336,368$327,013$318,002$299,313
4 years$264,470$254,408$244,790$235,594$226,802$208,780
5 years$209,461$199,459$189,967$180,959$172,411$155,109
6 years$172,800$162,873$153,521$144,714$136,423$119,860
7 years$146,624$136,781$127,577$118,978$110,948$95,128
8 years$127,001$117,246$108,195$99,807$92,042$76,962
9 years$111,746$102,084$93,189$85,014$77,513$63,162
10 years$99,550$89,982$81,244$73,283$66,045$52,412
11 years$89,578$80,106$71,526$63,778$56,801$43,870
12 years$81,273$71,899$63,477$55,942$49,222$36,976
13 years$74,252$64,975$56,713$49,388$42,923$31,341
14 years$68,239$59,061$50,957$43,841$37,626$26,689
15 years$63,032$53,953$46,007$39,099$33,129$22,814
16 years$58,481$49,501$41,712$35,009$29,279$19,565
17 years$54,469$45,589$37,956$31,455$25,961$16,824
18 years$50,907$42,126$34,649$28,347$23,083$14,500
19 years$47,724$39,042$31,720$25,614$20,575$12,521
20 years$44,863$36,280$29,111$23,199$18,378$10,830
21 years$42,277$33,793$26,776$21,054$16,446$9,381
22 years$39,930$31,544$24,679$19,143$14,742$8,136
23 years$37,790$29,503$22,786$17,434$13,233$7,063
24 years$35,831$27,642$21,073$15,901$11,894$6,137
25 years$34,032$25,941$19,518$14,522$10,703$5,337
26 years$32,373$24,380$18,102$13,278$9,641$4,644
27 years$30,841$22,945$16,809$12,153$8,692$4,044
28 years$29,420$21,621$15,627$11,135$7,843$3,523
29 years$28,100$20,397$14,542$10,211$7,082$3,070
30 years$26,869$19,262$13,545$9,371$6,399$2,677
31 years$25,721$18,209$12,628$8,607$5,785$2,335
32 years$24,647$17,230$11,782$7,910$5,233$2,037
33 years$23,639$16,317$11,001$7,274$4,736$1,777
34 years$22,693$15,465$10,279$6,693$4,288$1,551
35 years$21,803$14,668$9,610$6,161$3,884$1,354
36 years$20,965$13,922$8,990$5,674$3,519$1,182
37 years$20,173$13,223$8,414$5,228$3,189$1,033
38 years$19,425$12,566$7,880$4,819$2,891$902
39 years$18,717$11,949$7,382$4,443$2,622$788
40 years$18,046$11,369$6,919$4,098$2,378$688
41 years$17,410$10,822$6,488$3,781$2,158$601
42 years$16,806$10,307$6,086$3,489$1,958$525
43 years$16,231$9,820$5,711$3,221$1,777$459
44 years$15,683$9,361$5,361$2,974$1,613$401
45 years$15,162$8,926$5,034$2,747$1,464$350
46 years$14,665$8,515$4,728$2,537$1,329$306
47 years$14,190$8,126$4,442$2,344$1,207$268
48 years$13,737$7,757$4,174$2,166$1,096$234
49 years$13,303$7,408$3,923$2,002$996$204
50 years$12,888$7,076$3,688$1,850$904$179

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,200,000, adding $4,156 every year, while hoping to spend $41,912 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: 38/43/19 Blend
29$13,200,000$13,200,000$13,200,000$13,200,000
30$14,550,687$13,851,087$13,646,487$15,020,464
31$15,990,263$14,485,196$14,059,050$15,993,577
32$17,575,271$15,148,972$14,484,030$17,040,269
33$19,320,501$15,843,824$14,921,797$18,170,586
34$21,242,250$16,571,229$15,372,735$19,392,096
35$23,358,475$17,332,735$15,837,237$20,713,093
36$25,688,965$18,129,965$16,315,711$22,142,676
37$28,255,525$18,964,619$16,808,572$23,690,825
38$31,082,182$19,838,478$17,316,253$25,368,491
39$34,195,413$20,753,412$17,839,195$27,187,689
40$37,624,393$21,711,377$18,377,856$29,161,612
41$41,401,272$22,714,425$18,932,705$31,304,738
42$45,561,477$23,764,707$19,504,226$33,632,970
43$50,144,047$24,864,477$20,092,917$36,163,770
44$55,192,001$26,016,098$20,699,291$38,916,318
45$60,752,744$27,222,046$21,323,877$41,911,688
46$66,878,515$28,484,917$21,967,217$45,173,032
47$73,626,877$29,807,432$22,629,873$48,725,793
48$81,061,266$31,192,443$23,312,421$52,597,936
49$89,251,581$32,642,939$24,015,453$56,820,196
50$98,274,855$34,162,055$24,739,583$61,426,366
51$108,215,969$35,753,075$25,485,438$66,453,596
52$119,168,466$37,419,444$26,253,668$71,942,739
53$131,235,423$39,164,770$27,044,939$77,938,718
54$144,530,430$40,992,838$27,859,939$84,490,943
55$159,178,661$42,907,614$28,699,375$91,653,760
56$175,318,055$44,913,258$29,563,974$99,486,951
57$193,100,617$47,014,128$30,454,488$108,056,284
58$212,693,854$49,214,794$31,371,687$117,434,117
59$234,282,356$51,520,048$32,316,367$127,700,066
60$258,069,538$53,934,912$33,289,347$138,941,739
61$284,279,559$56,464,651$34,291,469$151,255,547
62$313,159,441$59,114,785$35,323,599$164,747,593
63$344,981,396$61,891,102$36,386,632$179,534,654
64$380,045,402$64,799,669$37,481,488$195,745,266
65$418,682,026$67,846,847$38,609,111$213,520,914
66$461,255,555$71,039,304$39,770,478$233,017,345
67$508,167,424$74,384,032$40,966,592$254,406,016
68$559,860,013$77,888,362$42,198,485$277,875,688
69$616,820,821$81,559,979$43,467,221$303,634,180
70$679,587,067$85,406,940$44,773,895$331,910,309
71$748,750,762$89,437,694$46,119,634$362,956,018
72$824,964,296$93,661,097$47,505,598$397,048,725
73$908,946,601$98,086,438$48,932,983$434,493,913
74$1,001,489,934$102,723,452$50,403,017$475,627,982
75$1,103,467,356$107,582,350$51,916,967$520,821,390
76$1,215,840,976$112,673,836$53,476,135$570,482,114
77$1,339,671,035$118,009,133$55,081,865$625,059,466
78$1,476,125,909$123,600,009$56,735,536$685,048,296
79$1,626,493,146$129,458,803$58,438,570$750,993,622
80$1,792,191,616$135,598,454$60,192,432$823,495,735
81$1,974,784,910$142,032,527$61,998,627$903,215,819
82$2,175,996,096$148,775,247$63,858,707$990,882,147
83$2,397,723,992$155,841,528$65,774,268$1,087,296,910
84$2,642,061,087$163,247,011$67,746,954$1,193,343,735
85$2,911,313,297$171,008,093$69,778,456$1,309,995,979
86$3,208,021,735$179,141,971$71,870,515$1,438,325,856
87$3,534,986,699$187,666,675$74,024,925$1,579,514,506
88$3,895,294,112$196,601,112$76,243,530$1,734,863,079
89$4,292,344,653$205,965,108$78,528,229$1,905,804,961
90$4,729,885,861$215,779,451$80,880,978$2,093,919,232
91$5,212,047,517$226,065,942$83,303,789$2,300,945,509
92$5,743,380,630$236,847,440$85,798,733$2,528,800,292
93$6,328,900,406$248,147,916$88,367,941$2,779,594,978
94$6,974,133,589$259,992,506$91,013,610$3,055,655,718
95$7,685,170,646$272,407,570$93,737,996$3,359,545,289
96$8,468,723,259$285,420,747$96,543,426$3,694,087,200
97$9,332,187,691$299,061,024$99,432,291$4,062,392,255
98$10,283,714,618$313,358,797$102,407,055$4,467,887,827
99$11,332,286,071$328,345,939$105,470,253$4,914,350,107
100$12,487,800,237$344,055,877$108,624,494$5,405,939,649