Can I retire at age 30 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,063,057
2 years$551,890$541,611$531,650$521,992$512,623$499,088
3 years$364,272$353,949$344,013$334,445$325,229$312,031
4 years$270,481$260,190$250,353$240,949$231,956$219,196
5 years$214,222$203,992$194,284$185,072$176,329$164,045
6 years$176,727$166,575$157,011$148,003$139,524$127,730
7 years$149,956$139,889$130,477$121,682$113,470$102,171
8 years$129,887$119,911$110,654$102,076$94,134$83,330
9 years$114,286$104,404$95,307$86,946$79,275$68,959
10 years$101,812$92,027$83,091$74,948$67,546$57,713
11 years$91,613$81,926$73,152$65,227$58,092$48,732
12 years$83,120$73,533$64,920$57,213$50,341$41,444
13 years$75,940$66,452$58,002$50,511$43,898$35,453
14 years$69,790$60,403$52,115$44,838$38,481$30,475
15 years$64,465$55,179$47,053$39,987$33,882$26,302
16 years$59,810$50,626$42,660$35,804$29,945$22,777
17 years$55,707$46,625$38,819$32,170$26,551$19,782
18 years$52,064$43,083$35,437$28,992$23,608$17,222
19 years$48,809$39,929$32,441$26,196$21,042$15,026
20 years$45,882$37,104$29,772$23,726$18,795$13,133
21 years$43,238$34,561$27,385$21,533$16,820$11,496
22 years$40,837$32,261$25,239$19,578$15,077$10,077
23 years$38,649$30,173$23,304$17,830$13,534$8,844
24 years$36,645$28,271$21,552$16,262$12,164$7,769
25 years$34,805$26,531$19,962$14,852$10,946$6,831
26 years$33,109$24,934$18,514$13,580$9,860$6,011
27 years$31,542$23,466$17,192$12,430$8,889$5,293
28 years$30,089$22,112$15,982$11,388$8,021$4,664
29 years$28,738$20,860$14,872$10,443$7,243$4,111
30 years$27,480$19,700$13,853$9,584$6,544$3,626
31 years$26,306$18,623$12,915$8,802$5,917$3,199
32 years$25,207$17,621$12,050$8,090$5,352$2,823
33 years$24,177$16,688$11,251$7,439$4,844$2,493
34 years$23,209$15,816$10,512$6,845$4,385$2,201
35 years$22,299$15,001$9,828$6,301$3,972$1,945
36 years$21,441$14,239$9,194$5,803$3,599$1,718
37 years$20,632$13,523$8,605$5,347$3,262$1,518
38 years$19,867$12,852$8,059$4,928$2,957$1,342
39 years$19,143$12,221$7,550$4,544$2,682$1,186
40 years$18,457$11,627$7,077$4,191$2,432$1,049
41 years$17,806$11,068$6,636$3,867$2,207$927
42 years$17,187$10,541$6,224$3,569$2,002$820
43 years$16,600$10,043$5,841$3,294$1,817$725
44 years$16,040$9,573$5,483$3,042$1,649$641
45 years$15,507$9,129$5,148$2,809$1,497$567
46 years$14,998$8,709$4,835$2,595$1,360$502
47 years$14,513$8,311$4,543$2,397$1,235$444
48 years$14,049$7,934$4,269$2,215$1,121$393
49 years$13,605$7,576$4,012$2,047$1,018$347
50 years$13,181$7,237$3,772$1,892$925$307

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,500,000, adding $4,867 every year, while hoping to spend $41,015 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: 47/46/7 Blend
29$13,500,000$13,500,000$13,500,000$13,500,000
30$14,882,020$14,166,520$13,957,270$15,553,279
31$16,356,347$14,817,040$14,381,199$16,665,007
32$17,979,680$15,498,061$14,817,955$17,866,113
33$19,767,175$16,211,034$15,267,924$19,168,622
34$21,735,532$16,957,479$15,731,505$20,581,947
35$23,903,153$17,738,992$16,209,107$22,116,418
36$26,290,314$18,557,243$16,701,152$23,783,374
37$28,919,362$19,413,983$17,208,076$25,595,264
38$31,814,916$20,311,047$17,730,326$27,565,759
39$35,004,108$21,250,360$18,268,363$29,709,874
40$38,516,837$22,233,937$18,822,662$32,044,101
41$42,386,046$23,263,892$19,393,714$34,586,559
42$46,648,041$24,342,441$19,982,021$37,357,157
43$51,342,825$25,471,905$20,588,103$40,377,773
44$56,514,483$26,654,718$21,212,494$43,672,453
45$62,211,593$27,893,431$21,855,745$47,267,629
46$68,487,686$29,190,720$22,518,423$51,192,358
47$75,401,751$30,549,387$23,201,112$55,478,589
48$83,018,794$31,972,370$23,904,413$60,161,451
49$91,410,445$33,462,751$24,628,945$65,279,577
50$100,655,643$35,023,758$25,375,347$70,875,456
51$110,841,373$36,658,777$26,144,275$76,995,824
52$122,063,491$38,371,355$26,936,407$83,692,088
53$134,427,629$40,165,213$27,752,438$91,020,805
54$148,050,189$42,044,250$28,593,086$99,044,200
55$163,059,444$44,012,555$29,459,091$107,830,735
56$179,596,750$46,074,413$30,351,214$117,455,747
57$197,817,877$48,234,317$31,270,237$128,002,142
58$217,894,480$50,496,978$32,216,970$139,561,157
59$240,015,720$52,867,333$33,192,241$152,233,211
60$264,390,051$55,350,560$34,196,909$166,128,829
61$291,247,184$57,952,085$35,231,853$181,369,672
62$320,840,260$60,677,600$36,297,983$198,089,663
63$353,448,233$63,533,070$37,396,233$216,436,230
64$389,378,512$66,524,750$38,527,566$236,571,680
65$428,969,854$69,659,196$39,692,973$258,674,705
66$472,595,567$72,943,284$40,893,475$282,942,048
67$520,667,032$76,384,222$42,130,124$309,590,335
68$573,637,588$79,989,568$43,404,002$338,858,093
69$632,006,810$83,767,245$44,716,224$371,007,976
70$696,325,226$87,725,562$46,067,939$406,329,218
71$767,199,513$91,873,228$47,460,328$445,140,328
72$845,298,223$96,219,376$48,894,610$487,792,075
73$931,358,100$100,773,584$50,372,037$534,670,756
74$1,026,191,027$105,545,890$51,893,901$586,201,818
75$1,130,691,696$110,546,823$53,461,531$642,853,835
76$1,245,846,053$115,787,421$55,076,297$705,142,893
77$1,372,740,604$121,279,258$56,739,606$773,637,424
78$1,512,572,674$127,034,471$58,452,911$848,963,533
79$1,666,661,710$133,065,783$60,217,707$931,810,862
80$1,836,461,737$139,386,538$62,035,532$1,022,939,059
81$2,023,575,082$146,010,727$63,907,971$1,123,184,900
82$2,229,767,508$152,953,020$65,836,656$1,233,470,142
83$2,456,984,876$160,228,800$67,823,266$1,354,810,169
84$2,707,371,520$167,854,198$69,869,531$1,488,323,525
85$2,983,290,488$175,846,126$71,977,234$1,635,242,421
86$3,287,345,853$184,222,322$74,148,207$1,796,924,300
87$3,622,407,298$193,001,384$76,384,339$1,974,864,597
88$3,991,637,203$202,202,812$78,687,575$2,170,710,788
89$4,398,520,506$211,847,058$81,059,917$2,386,277,873
90$4,846,897,599$221,955,566$83,503,427$2,623,565,445
91$5,341,000,588$232,550,823$86,020,225$2,884,776,484
92$5,885,493,245$243,656,409$88,612,499$3,172,338,082
93$6,485,515,035$255,297,053$91,282,498$3,488,924,269
94$7,146,729,646$267,498,685$94,032,538$3,837,481,177
95$7,875,378,446$280,288,498$96,865,005$4,221,254,754
96$8,678,339,420$293,695,006$99,782,354$4,643,821,321
97$9,563,192,092$307,748,113$102,787,114$5,109,121,231
98$10,538,289,092$322,479,176$105,881,889$5,621,495,965
99$11,612,835,004$337,921,081$109,069,358$6,185,729,009
100$12,796,973,274$354,108,313$112,352,280$6,807,090,899