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

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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,035,763
2 years$543,714$533,587$523,774$514,258$505,029$480,187
3 years$358,875$348,705$338,916$329,490$320,411$296,301
4 years$266,474$256,335$246,644$237,379$228,520$205,327
5 years$211,048$200,970$191,406$182,330$173,717$151,506
6 years$174,109$164,107$154,685$145,811$137,456$116,250
7 years$147,735$137,817$128,544$119,879$111,789$91,591
8 years$127,963$118,135$109,015$100,564$92,740$73,542
9 years$112,593$102,857$93,895$85,658$78,100$59,887
10 years$100,304$90,664$81,860$73,838$66,545$49,297
11 years$90,256$80,713$72,068$64,261$57,231$40,924
12 years$81,889$72,443$63,958$56,366$49,595$34,203
13 years$74,814$65,468$57,143$49,762$43,248$28,741
14 years$68,756$59,508$51,343$44,173$37,911$24,260
15 years$63,510$54,362$46,356$39,395$33,380$20,552
16 years$58,924$49,876$42,028$35,274$29,501$17,463
17 years$54,882$45,934$38,244$31,693$26,158$14,877
18 years$51,293$42,445$34,912$28,562$23,258$12,700
19 years$48,086$39,338$31,960$25,808$20,731$10,862
20 years$45,202$36,554$29,331$23,374$18,517$9,304
21 years$42,597$34,049$26,979$21,214$16,571$7,979
22 years$40,232$31,783$24,866$19,288$14,853$6,851
23 years$38,076$29,726$22,959$17,566$13,333$5,888
24 years$36,102$27,852$21,233$16,021$11,984$5,064
25 years$34,289$26,137$19,666$14,632$10,784$4,358
26 years$32,619$24,565$18,239$13,378$9,714$3,753
27 years$31,074$23,119$16,937$12,246$8,758$3,234
28 years$29,643$21,784$15,745$11,220$7,902$2,787
29 years$28,312$20,551$14,652$10,289$7,136$2,404
30 years$27,073$19,408$13,648$9,442$6,447$2,073
31 years$25,916$18,347$12,723$8,672$5,829$1,789
32 years$24,833$17,360$11,871$7,970$5,273$1,544
33 years$23,818$16,441$11,084$7,329$4,772$1,333
34 years$22,865$15,582$10,356$6,743$4,320$1,151
35 years$21,968$14,779$9,683$6,208$3,913$993
36 years$21,123$14,028$9,058$5,717$3,546$858
37 years$20,326$13,323$8,478$5,267$3,213$741
38 years$19,572$12,662$7,939$4,855$2,913$640
39 years$18,859$12,040$7,438$4,477$2,642$553
40 years$18,183$11,455$6,972$4,129$2,396$478
41 years$17,542$10,904$6,537$3,810$2,174$413
42 years$16,933$10,385$6,132$3,516$1,973$357
43 years$16,354$9,895$5,754$3,245$1,790$308
44 years$15,802$9,432$5,401$2,997$1,625$266
45 years$15,277$8,994$5,072$2,768$1,475$230
46 years$14,776$8,580$4,764$2,556$1,339$199
47 years$14,298$8,188$4,475$2,362$1,216$172
48 years$13,841$7,816$4,205$2,182$1,105$148
49 years$13,404$7,464$3,953$2,017$1,003$128
50 years$12,985$7,130$3,716$1,864$911$111

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 $4,422 every year, while hoping to spend $36,889 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: 52/30/18 Blend
29$13,300,000$13,300,000$13,300,000$13,300,000
30$14,661,161$13,956,261$13,750,111$15,351,064
31$16,117,350$14,600,868$14,171,490$16,469,997
32$17,720,834$15,275,825$14,605,749$17,682,143
33$19,486,598$15,982,579$15,053,281$18,999,760
34$21,431,154$16,722,649$15,514,489$20,432,864
35$23,572,698$17,497,625$15,989,791$21,992,460
36$25,931,280$18,309,175$16,479,615$23,690,642
37$28,528,993$19,159,048$16,984,405$25,540,703
38$31,390,184$20,049,075$17,504,616$27,557,256
39$34,541,680$20,981,177$18,040,719$29,756,367
40$38,013,045$21,957,368$18,593,196$32,155,699
41$41,836,854$22,979,757$19,162,546$34,774,677
42$46,049,006$24,050,558$19,749,284$37,634,665
43$50,689,058$25,172,089$20,353,939$40,759,158
44$55,800,602$26,346,781$20,977,056$44,174,004
45$61,431,673$27,577,183$21,619,197$47,907,634
46$67,635,204$28,865,966$22,280,941$51,991,331
47$74,469,527$30,215,930$22,962,884$56,459,512
48$81,998,920$31,630,012$23,665,642$61,350,051
49$90,294,217$33,111,290$24,389,848$66,704,624
50$99,433,473$34,662,989$25,136,154$72,569,098
51$109,502,705$36,288,493$25,905,232$78,993,953
52$120,596,699$37,991,347$26,697,776$86,034,750
53$132,819,909$39,775,270$27,514,498$93,752,649
54$146,287,441$41,644,159$28,356,135$102,214,973
55$161,126,137$43,602,101$29,223,443$111,495,835
56$177,475,778$45,653,379$30,117,204$121,676,829
57$195,490,398$47,802,485$31,038,221$132,847,785
58$215,339,740$50,054,128$31,987,323$145,107,610
59$237,210,859$52,413,245$32,965,363$158,565,206
60$261,309,885$54,885,013$33,973,221$173,340,486
61$287,863,973$57,474,858$35,011,804$189,565,497
62$317,123,443$60,188,471$36,082,044$207,385,645
63$349,364,145$63,031,817$37,184,903$226,961,062
64$384,890,064$66,011,152$38,321,373$248,468,094
65$424,036,185$69,133,033$39,492,474$272,100,957
66$467,171,662$72,404,338$40,699,258$298,073,550
67$514,703,297$75,832,275$41,942,808$326,621,458
68$567,079,382$79,424,406$43,224,242$358,004,157
69$624,793,934$83,188,656$44,544,708$392,507,447
70$688,391,351$87,133,337$45,905,392$430,446,127
71$758,471,561$91,267,163$47,307,515$472,166,948
72$835,695,678$95,599,271$48,752,334$518,051,865
73$920,792,245$100,139,243$50,241,146$568,521,620
74$1,014,564,114$104,897,126$51,775,284$624,039,689
75$1,117,896,022$109,883,453$53,356,124$685,116,632
76$1,231,762,945$115,109,271$54,985,082$752,314,891
77$1,357,239,302$120,586,162$56,663,619$826,254,066
78$1,495,509,098$126,326,272$58,393,238$907,616,744
79$1,647,877,103$132,342,336$60,175,488$997,154,904
80$1,815,781,165$138,647,708$62,011,965$1,095,696,993
81$2,000,805,790$145,256,392$63,904,312$1,204,155,707
82$2,204,697,098$152,183,073$65,854,224$1,323,536,581
83$2,429,379,307$159,443,148$67,863,446$1,454,947,439
84$2,676,972,899$167,052,765$69,933,773$1,599,608,817
85$2,949,814,639$175,028,855$72,067,060$1,758,865,451
86$3,250,479,638$183,389,175$74,265,212$1,934,198,924
87$3,581,805,660$192,152,343$76,530,195$2,127,241,614
88$3,946,919,915$201,337,885$78,864,034$2,339,792,058
89$4,349,268,581$210,966,277$81,268,814$2,573,831,888
90$4,792,649,341$221,058,988$83,746,684$2,831,544,484
91$5,281,247,232$231,638,537$86,299,856$3,115,335,539
92$5,819,674,159$242,728,535$88,930,611$3,427,855,713
93$6,413,012,433$254,353,743$91,641,296$3,772,025,604
94$7,066,862,754$266,540,129$94,434,332$4,151,063,261
95$7,787,397,084$279,314,925$97,312,212$4,568,514,496
96$8,581,416,917$292,706,686$100,277,501$5,028,286,305
97$9,456,417,491$306,745,362$103,332,845$5,534,683,676
98$10,420,658,548$321,462,359$106,480,970$6,092,450,162
99$11,483,242,318$336,890,612$109,724,680$6,706,812,593
100$12,654,199,445$353,064,662$113,066,867$7,383,530,337