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

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,054,343
2 years$551,890$541,611$531,650$521,992$512,623$490,392
3 years$364,272$353,949$344,013$334,445$325,229$303,626
4 years$270,481$260,190$250,353$240,949$231,956$211,148
5 years$214,222$203,992$194,284$185,072$176,329$156,375
6 years$176,727$166,575$157,011$148,003$139,524$120,445
7 years$149,956$139,889$130,477$121,682$113,470$95,271
8 years$129,887$119,911$110,654$102,076$94,134$76,809
9 years$114,286$104,404$95,307$86,946$79,275$62,811
10 years$101,812$92,027$83,091$74,948$67,546$51,929
11 years$91,613$81,926$73,152$65,227$58,092$43,301
12 years$83,120$73,533$64,920$57,213$50,341$36,355
13 years$75,940$66,452$58,002$50,511$43,898$30,692
14 years$69,790$60,403$52,115$44,838$38,481$26,030
15 years$64,465$55,179$47,053$39,987$33,882$22,159
16 years$59,810$50,626$42,660$35,804$29,945$18,923
17 years$55,707$46,625$38,819$32,170$26,551$16,202
18 years$52,064$43,083$35,437$28,992$23,608$13,903
19 years$48,809$39,929$32,441$26,196$21,042$11,952
20 years$45,882$37,104$29,772$23,726$18,795$10,292
21 years$43,238$34,561$27,385$21,533$16,820$8,874
22 years$40,837$32,261$25,239$19,578$15,077$7,661
23 years$38,649$30,173$23,304$17,830$13,534$6,620
24 years$36,645$28,271$21,552$16,262$12,164$5,725
25 years$34,805$26,531$19,962$14,852$10,946$4,955
26 years$33,109$24,934$18,514$13,580$9,860$4,291
27 years$31,542$23,466$17,192$12,430$8,889$3,718
28 years$30,089$22,112$15,982$11,388$8,021$3,223
29 years$28,738$20,860$14,872$10,443$7,243$2,795
30 years$27,480$19,700$13,853$9,584$6,544$2,425
31 years$26,306$18,623$12,915$8,802$5,917$2,105
32 years$25,207$17,621$12,050$8,090$5,352$1,827
33 years$24,177$16,688$11,251$7,439$4,844$1,586
34 years$23,209$15,816$10,512$6,845$4,385$1,378
35 years$22,299$15,001$9,828$6,301$3,972$1,197
36 years$21,441$14,239$9,194$5,803$3,599$1,039
37 years$20,632$13,523$8,605$5,347$3,262$903
38 years$19,867$12,852$8,059$4,928$2,957$785
39 years$19,143$12,221$7,550$4,544$2,682$682
40 years$18,457$11,627$7,077$4,191$2,432$593
41 years$17,806$11,068$6,636$3,867$2,207$515
42 years$17,187$10,541$6,224$3,569$2,002$448
43 years$16,600$10,043$5,841$3,294$1,817$389
44 years$16,040$9,573$5,483$3,042$1,649$338
45 years$15,507$9,129$5,148$2,809$1,497$294
46 years$14,998$8,709$4,835$2,595$1,360$256
47 years$14,513$8,311$4,543$2,397$1,235$222
48 years$14,049$7,934$4,269$2,215$1,121$193
49 years$13,605$7,576$4,012$2,047$1,018$168
50 years$13,181$7,237$3,772$1,892$925$146

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 $5,437 every year, while hoping to spend $26,951 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: 65/25/10 Blend
29$13,500,000$13,500,000$13,500,000$13,500,000
30$14,882,608$14,167,108$13,957,858$15,817,822
31$16,371,959$14,832,621$14,396,771$17,107,344
32$18,012,319$15,529,840$14,849,484$18,512,042
33$19,819,065$16,260,292$15,316,431$20,046,110
34$21,809,138$17,025,574$15,798,059$21,722,150
35$24,001,207$17,827,364$16,294,831$23,554,021
36$26,415,845$18,667,420$16,807,222$25,556,969
37$29,075,720$19,547,583$17,335,724$27,747,768
38$32,005,815$20,469,786$17,880,842$30,144,870
39$35,233,658$21,436,054$18,443,099$32,768,578
40$38,789,582$22,448,513$19,023,035$35,641,236
41$42,707,017$23,509,387$19,621,204$38,787,427
42$47,022,798$24,621,013$20,238,180$42,234,210
43$51,777,519$25,785,837$20,874,554$46,011,365
44$57,015,911$27,006,428$21,530,936$50,151,670
45$62,787,266$28,285,476$22,207,955$54,691,202
46$69,145,906$29,625,802$22,906,260$59,669,681
47$76,151,688$31,030,367$23,626,520$65,130,826
48$83,870,577$32,502,271$24,369,425$71,122,774
49$92,375,261$34,044,768$25,135,686$77,698,518
50$101,745,845$35,661,269$25,926,039$84,916,407
51$112,070,601$37,355,350$26,741,240$92,840,686
52$123,446,801$39,130,762$27,582,071$101,542,098
53$135,981,642$40,991,436$28,449,338$111,098,540
54$149,793,249$42,941,496$29,343,870$121,595,794
55$165,011,797$44,985,266$30,266,526$133,128,326
56$181,780,735$47,127,279$31,218,190$145,800,169
57$200,258,144$49,372,290$32,199,773$159,725,898
58$220,618,225$51,725,282$33,212,216$175,031,698
59$243,052,948$54,191,485$34,256,489$191,856,548
60$267,773,859$56,776,379$35,333,592$210,353,521
61$295,014,084$59,485,712$36,444,558$230,691,216
62$325,030,520$62,325,512$37,590,451$253,055,343
63$358,106,271$65,302,100$38,772,369$277,650,458
64$394,553,312$68,422,104$39,991,444$304,701,885
65$434,715,437$71,692,474$41,248,845$334,457,828
66$478,971,506$75,120,499$42,545,776$367,191,700
67$527,739,019$78,713,824$43,883,479$403,204,690
68$581,478,060$82,480,462$45,263,237$442,828,590
69$640,695,638$86,428,820$46,686,370$486,428,912
70$705,950,473$90,567,713$48,154,244$534,408,320
71$777,858,274$94,906,383$49,668,263$587,210,416
72$857,097,547$99,454,525$51,229,879$645,323,906
73$944,416,004$104,222,304$52,840,588$709,287,198
74$1,040,637,621$109,220,381$54,501,932$779,693,460
75$1,146,670,415$114,459,937$56,215,504$857,196,202
76$1,263,515,019$119,952,695$57,982,945$942,515,422
77$1,392,274,125$125,710,952$59,805,947$1,036,444,379
78$1,534,162,898$131,747,601$61,686,259$1,139,857,056
79$1,690,520,446$138,076,165$63,625,681$1,253,716,391
80$1,862,822,461$144,710,826$65,626,070$1,379,083,332
81$2,052,695,152$151,666,457$67,689,344$1,517,126,832
82$2,261,930,600$158,958,655$69,817,479$1,669,134,854
83$2,492,503,669$166,603,778$72,012,513$1,836,526,494
84$2,746,590,661$174,618,981$74,276,550$2,020,865,352
85$3,026,589,852$183,022,254$76,611,758$2,223,874,258
86$3,335,144,139$191,832,467$79,020,374$2,447,451,497
87$3,675,165,991$201,069,407$81,504,705$2,693,688,700
88$4,049,864,941$210,753,827$84,067,132$2,964,890,544
89$4,462,777,893$220,907,493$86,710,109$3,263,596,475
90$4,917,802,507$231,553,229$89,436,167$3,592,604,636
91$5,419,234,003$242,714,977$92,247,919$3,954,998,241
92$5,971,805,704$254,417,844$95,148,056$4,354,174,631
93$6,580,733,727$266,688,160$98,139,358$4,793,877,307
94$7,251,766,231$279,553,543$101,224,690$5,278,231,211
95$7,991,237,676$293,042,956$104,407,007$5,811,781,620
96$8,806,128,634$307,186,776$107,689,357$6,399,536,999
97$9,704,131,688$322,016,862$111,074,884$7,047,016,227
98$10,693,724,059$337,566,627$114,566,831$7,760,300,634
99$11,784,247,636$353,871,115$118,168,543$8,546,091,352
100$12,985,997,176$370,967,080$121,883,470$9,411,772,511