Can I retire at age 30 with 13,300,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,039,147
2 years$543,714$533,587$523,774$514,258$505,029$483,549
3 years$358,875$348,705$338,916$329,490$320,411$299,535
4 years$266,474$256,335$246,644$237,379$228,520$208,408
5 years$211,048$200,970$191,406$182,330$173,717$154,427
6 years$174,109$164,107$154,685$145,811$137,456$119,009
7 years$147,735$137,817$128,544$119,879$111,789$94,188
8 years$127,963$118,135$109,015$100,564$92,740$75,980
9 years$112,593$102,857$93,895$85,658$78,100$62,171
10 years$100,304$90,664$81,860$73,838$66,545$51,431
11 years$90,256$80,713$72,068$64,261$57,231$42,913
12 years$81,889$72,443$63,958$56,366$49,595$36,052
13 years$74,814$65,468$57,143$49,762$43,248$30,457
14 years$68,756$59,508$51,343$44,173$37,911$25,848
15 years$63,510$54,362$46,356$39,395$33,380$22,020
16 years$58,924$49,876$42,028$35,274$29,501$18,817
17 years$54,882$45,934$38,244$31,693$26,158$16,123
18 years$51,293$42,445$34,912$28,562$23,258$13,845
19 years$48,086$39,338$31,960$25,808$20,731$11,912
20 years$45,202$36,554$29,331$23,374$18,517$10,265
21 years$42,597$34,049$26,979$21,214$16,571$8,857
22 years$40,232$31,783$24,866$19,288$14,853$7,652
23 years$38,076$29,726$22,959$17,566$13,333$6,617
24 years$36,102$27,852$21,233$16,021$11,984$5,727
25 years$34,289$26,137$19,666$14,632$10,784$4,961
26 years$32,619$24,565$18,239$13,378$9,714$4,300
27 years$31,074$23,119$16,937$12,246$8,758$3,729
28 years$29,643$21,784$15,745$11,220$7,902$3,235
29 years$28,312$20,551$14,652$10,289$7,136$2,808
30 years$27,073$19,408$13,648$9,442$6,447$2,438
31 years$25,916$18,347$12,723$8,672$5,829$2,118
32 years$24,833$17,360$11,871$7,970$5,273$1,840
33 years$23,818$16,441$11,084$7,329$4,772$1,599
34 years$22,865$15,582$10,356$6,743$4,320$1,390
35 years$21,968$14,779$9,683$6,208$3,913$1,208
36 years$21,123$14,028$9,058$5,717$3,546$1,050
37 years$20,326$13,323$8,478$5,267$3,213$913
38 years$19,572$12,662$7,939$4,855$2,913$794
39 years$18,859$12,040$7,438$4,477$2,642$691
40 years$18,183$11,455$6,972$4,129$2,396$601
41 years$17,542$10,904$6,537$3,810$2,174$523
42 years$16,933$10,385$6,132$3,516$1,973$455
43 years$16,354$9,895$5,754$3,245$1,790$396
44 years$15,802$9,432$5,401$2,997$1,625$344
45 years$15,277$8,994$5,072$2,768$1,475$299
46 years$14,776$8,580$4,764$2,556$1,339$261
47 years$14,298$8,188$4,475$2,362$1,216$227
48 years$13,841$7,816$4,205$2,182$1,105$197
49 years$13,404$7,464$3,953$2,017$1,003$172
50 years$12,985$7,130$3,716$1,864$911$149

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,300,000, adding $3,848 every year, while hoping to spend $24,341 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: 44/46/10 Blend
29$13,300,000$13,300,000$13,300,000$13,300,000
30$14,660,569$13,955,669$13,749,519$15,263,517
31$16,130,049$14,613,598$14,184,229$16,340,557
32$17,748,599$15,302,950$14,632,687$17,504,405
33$19,531,400$16,025,239$15,095,326$18,765,256
34$21,495,179$16,782,052$15,572,595$20,132,033
35$23,658,368$17,575,053$16,064,958$21,614,524
36$26,041,279$18,405,988$16,572,891$23,223,469
37$28,666,294$19,276,685$17,096,887$24,970,655
38$31,558,078$20,189,065$17,637,455$26,869,020
39$34,743,810$21,145,137$18,195,118$28,932,767
40$38,253,441$22,147,012$18,770,417$31,177,493
41$42,119,976$23,196,899$19,363,910$33,620,325
42$46,379,785$24,297,119$19,976,173$36,280,078
43$51,072,948$25,450,102$20,607,799$39,177,418
44$56,243,629$26,658,398$21,259,401$42,335,056
45$61,940,499$27,924,679$21,931,610$45,777,945
46$68,217,190$29,251,749$22,625,080$49,533,510
47$75,132,805$30,642,546$23,340,481$53,631,897
48$82,752,472$32,100,152$24,078,509$58,106,245
49$91,147,963$33,627,798$24,839,878$62,992,987
50$100,398,369$35,228,874$25,625,327$68,332,183
51$110,590,845$36,906,931$26,435,618$74,167,889
52$121,821,437$38,665,697$27,271,537$80,548,553
53$134,195,985$40,509,077$28,133,895$87,527,463
54$147,831,123$42,441,169$29,023,527$95,163,238
55$162,855,379$44,466,268$29,941,298$103,520,361
56$179,410,393$46,588,880$30,888,096$112,669,774
57$197,652,246$48,813,729$31,864,841$122,689,534
58$217,752,942$51,145,768$32,872,479$133,665,530
59$239,902,023$53,590,192$33,911,989$145,692,276
60$264,308,367$56,152,449$34,984,378$158,873,784
61$291,202,153$58,838,251$36,090,686$173,324,529
62$320,837,036$61,653,588$37,231,988$189,170,504
63$353,492,543$64,604,744$38,409,389$206,550,392
64$389,476,711$67,698,305$39,624,032$225,616,852
65$429,128,994$70,941,181$40,877,096$246,537,933
66$472,823,469$74,340,615$42,169,796$269,498,639
67$520,972,364$77,904,207$43,503,385$294,702,648
68$574,029,954$81,639,923$44,879,158$322,374,208
69$632,496,849$85,556,118$46,298,450$352,760,223
70$696,924,717$89,661,557$47,762,636$386,132,556
71$767,921,492$93,965,427$49,273,139$422,790,566
72$846,157,117$98,477,366$50,831,422$463,063,896
73$932,369,867$103,207,481$52,438,998$507,315,552
74$1,027,373,316$108,166,370$54,097,427$555,945,298
75$1,132,064,021$113,365,149$55,808,318$609,393,385
76$1,247,429,985$118,815,475$57,573,330$668,144,674
77$1,374,559,983$124,529,573$59,394,177$732,733,166
78$1,514,653,843$130,520,264$61,272,624$803,747,003
79$1,669,033,773$136,800,995$63,210,494$881,833,974
80$1,839,156,840$143,385,866$65,209,668$967,707,581
81$2,026,628,731$150,289,667$67,272,085$1,062,153,726
82$2,233,218,909$157,527,908$69,399,748$1,166,038,079
83$2,460,877,317$165,116,855$71,594,719$1,280,314,189
84$2,711,752,791$173,073,568$73,859,129$1,406,032,438
85$2,988,213,341$181,415,939$76,195,176$1,544,349,886
86$3,292,868,514$190,162,731$78,605,126$1,696,541,140
87$3,628,594,022$199,333,625$81,091,317$1,864,010,313
88$3,998,558,899$208,949,259$83,656,163$2,048,304,216
89$4,406,255,415$219,031,281$86,302,153$2,251,126,882
90$4,855,532,045$229,602,392$89,031,853$2,474,355,582
91$5,350,629,808$240,686,403$91,847,914$2,720,058,464
92$5,896,222,297$252,308,286$94,753,068$2,990,513,992
93$6,497,459,810$264,494,230$97,750,134$3,288,232,372
94$7,160,017,968$277,271,705$100,842,021$3,615,979,157
95$7,890,151,302$290,669,520$104,031,731$3,976,801,253
96$8,694,752,299$304,717,891$107,322,358$4,374,055,592
97$9,581,416,473$319,448,507$110,717,096$4,811,440,707
98$10,558,514,074$334,894,605$114,219,240$5,293,031,546
99$11,635,269,115$351,091,045$117,832,189$5,823,317,820
100$12,821,846,447$368,074,389$121,559,450$6,407,246,268