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%18.3%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,040,384
2 years$551,890$541,611$531,650$521,992$512,623$476,585
3 years$364,272$353,949$344,013$334,445$325,229$290,408
4 years$270,481$260,190$250,353$240,949$231,956$198,619
5 years$214,222$203,992$194,284$185,072$176,329$144,565
6 years$176,727$166,575$157,011$148,003$139,524$109,357
7 years$149,956$139,889$130,477$121,682$113,470$84,897
8 years$129,887$119,911$110,654$102,076$94,134$67,134
9 years$114,286$104,404$95,307$86,946$79,275$53,813
10 years$101,812$92,027$83,091$74,948$67,546$43,583
11 years$91,613$81,926$73,152$65,227$58,092$35,581
12 years$83,120$73,533$64,920$57,213$50,341$29,232
13 years$75,940$66,452$58,002$50,511$43,898$24,137
14 years$69,790$60,403$52,115$44,838$38,481$20,011
15 years$64,465$55,179$47,053$39,987$33,882$16,645
16 years$59,810$50,626$42,660$35,804$29,945$13,882
17 years$55,707$46,625$38,819$32,170$26,551$11,604
18 years$52,064$43,083$35,437$28,992$23,608$9,717
19 years$48,809$39,929$32,441$26,196$21,042$8,150
20 years$45,882$37,104$29,772$23,726$18,795$6,844
21 years$43,238$34,561$27,385$21,533$16,820$5,753
22 years$40,837$32,261$25,239$19,578$15,077$4,840
23 years$38,649$30,173$23,304$17,830$13,534$4,076
24 years$36,645$28,271$21,552$16,262$12,164$3,434
25 years$34,805$26,531$19,962$14,852$10,946$2,895
26 years$33,109$24,934$18,514$13,580$9,860$2,441
27 years$31,542$23,466$17,192$12,430$8,889$2,059
28 years$30,089$22,112$15,982$11,388$8,021$1,738
29 years$28,738$20,860$14,872$10,443$7,243$1,467
30 years$27,480$19,700$13,853$9,584$6,544$1,239
31 years$26,306$18,623$12,915$8,802$5,917$1,046
32 years$25,207$17,621$12,050$8,090$5,352$883
33 years$24,177$16,688$11,251$7,439$4,844$746
34 years$23,209$15,816$10,512$6,845$4,385$630
35 years$22,299$15,001$9,828$6,301$3,972$533
36 years$21,441$14,239$9,194$5,803$3,599$450
37 years$20,632$13,523$8,605$5,347$3,262$380
38 years$19,867$12,852$8,059$4,928$2,957$321
39 years$19,143$12,221$7,550$4,544$2,682$272
40 years$18,457$11,627$7,077$4,191$2,432$229
41 years$17,806$11,068$6,636$3,867$2,207$194
42 years$17,187$10,541$6,224$3,569$2,002$164
43 years$16,600$10,043$5,841$3,294$1,817$139
44 years$16,040$9,573$5,483$3,042$1,649$117
45 years$15,507$9,129$5,148$2,809$1,497$99
46 years$14,998$8,709$4,835$2,595$1,360$84
47 years$14,513$8,311$4,543$2,397$1,235$71
48 years$14,049$7,934$4,269$2,215$1,121$60
49 years$13,605$7,576$4,012$2,047$1,018$51
50 years$13,181$7,237$3,772$1,892$925$43

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 $6,804 every year, while hoping to spend $58,324 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: 47/40/13 Blend
29$13,500,000$13,500,000$13,500,000$13,500,000
30$14,884,018$14,168,518$13,959,268$15,529,132
31$16,340,132$14,800,719$14,364,848$16,608,040
32$17,942,814$15,461,944$14,782,059$17,771,778
33$19,706,954$16,153,551$15,211,230$19,033,502
34$21,648,956$16,876,968$15,652,699$20,402,351
35$23,786,897$17,633,687$16,106,812$21,888,362
36$26,140,695$18,425,272$16,573,925$23,502,555
37$28,732,297$19,253,362$17,054,403$25,257,035
38$31,585,889$20,119,674$17,548,623$27,165,099
39$34,728,118$21,026,006$18,056,970$29,241,356
40$38,188,349$21,974,244$18,579,842$31,501,859
41$41,998,940$22,966,361$19,117,645$33,964,251
42$46,195,545$24,004,426$19,670,800$36,647,924
43$50,817,455$25,090,607$20,239,736$39,574,194
44$55,907,963$26,227,174$20,824,894$42,766,498
45$61,514,777$27,416,508$21,426,731$46,250,606
46$67,690,469$28,661,102$22,045,711$50,054,856
47$74,492,969$29,963,568$22,682,314$54,210,412
48$81,986,113$31,326,644$23,337,033$58,751,553
49$90,240,246$32,753,199$24,010,373$63,715,986
50$99,332,884$34,246,239$24,702,854$69,145,191
51$109,349,448$35,808,914$25,415,009$75,084,803
52$120,384,066$37,444,525$26,147,386$81,585,036
53$132,540,466$39,156,532$26,900,549$88,701,140
54$145,932,952$40,948,560$27,675,075$96,493,919
55$160,687,482$42,824,409$28,471,559$105,030,284
56$176,942,858$44,788,058$29,290,610$114,383,881
57$194,852,039$46,843,682$30,132,855$124,635,767
58$214,583,578$48,995,654$30,998,936$135,875,165
59$236,323,218$51,248,556$31,889,516$148,200,290
60$260,275,643$53,607,192$32,805,271$161,719,264
61$286,666,410$56,076,596$33,746,899$176,551,117
62$315,744,079$58,662,044$34,715,115$192,826,900
63$347,782,557$61,369,066$35,710,654$210,690,899
64$383,083,687$64,203,459$36,734,269$230,301,985
65$421,980,092$67,171,298$37,786,736$251,835,089
66$464,838,319$70,278,949$38,868,850$275,482,841
67$512,062,298$73,533,088$39,981,426$301,457,361
68$564,097,152$76,940,709$41,125,304$329,992,246
69$621,433,403$80,509,145$42,301,343$361,344,749
70$684,611,599$84,246,082$43,510,427$395,798,186
71$754,227,419$88,159,577$44,753,463$433,664,585
72$830,937,294$92,258,074$46,031,383$475,287,608
73$915,464,604$96,550,427$47,345,140$521,045,766
74$1,008,606,509$101,045,913$48,695,718$571,355,964
75$1,111,241,471$105,754,260$50,084,122$626,677,411
76$1,224,337,547$110,685,665$51,511,386$687,515,920
77$1,348,961,530$115,850,816$52,978,571$754,428,654
78$1,486,289,019$121,260,918$54,486,766$828,029,352
79$1,637,615,514$126,927,719$56,037,087$908,994,083
80$1,804,368,649$132,863,530$57,630,683$998,067,599
81$1,988,121,670$139,081,261$59,268,729$1,096,070,320
82$2,190,608,282$145,594,444$60,952,433$1,203,906,044
83$2,413,739,022$152,417,267$62,683,035$1,322,570,435
84$2,659,619,291$159,564,603$64,461,806$1,453,160,375
85$2,930,569,233$167,052,042$66,290,050$1,596,884,279
86$3,229,145,635$174,895,933$68,169,107$1,755,073,448
87$3,558,166,068$183,113,412$70,100,351$1,929,194,591
88$3,920,735,484$191,722,446$72,085,189$2,120,863,616
89$4,320,275,529$200,741,872$74,125,069$2,331,860,829
90$4,760,556,847$210,191,437$76,221,473$2,564,147,685
91$5,245,734,676$220,091,848$78,375,923$2,819,885,239
92$5,780,388,076$230,464,812$80,589,979$3,101,454,489
93$6,369,563,160$241,333,087$82,865,243$3,411,478,785
94$7,018,820,730$252,720,536$85,203,357$3,752,848,524
95$7,734,288,779$264,652,177$87,606,004$4,128,748,361
96$8,522,720,342$277,154,241$90,074,912$4,542,687,204
97$9,391,557,248$290,254,231$92,611,854$4,998,531,252
98$10,349,000,381$303,980,982$95,218,645$5,500,540,417
99$11,404,087,099$318,364,729$97,897,148$6,053,408,445
100$12,566,776,556$333,437,174$100,649,275$6,662,307,140