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%17.1%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,045,401
2 years$551,890$541,611$531,650$521,992$512,623$481,530
3 years$364,272$353,949$344,013$334,445$325,229$295,124
4 years$270,481$260,190$250,353$240,949$231,956$203,071
5 years$214,222$203,992$194,284$185,072$176,329$148,742
6 years$176,727$166,575$157,011$148,003$139,524$113,260
7 years$149,956$139,889$130,477$121,682$113,470$88,530
8 years$129,887$119,911$110,654$102,076$94,134$70,503
9 years$114,286$104,404$95,307$86,946$79,275$56,929
10 years$101,812$92,027$83,091$74,948$67,546$46,455
11 years$91,613$81,926$73,152$65,227$58,092$38,221
12 years$83,120$73,533$64,920$57,213$50,341$31,651
13 years$75,940$66,452$58,002$50,511$43,898$26,348
14 years$69,790$60,403$52,115$44,838$38,481$22,027
15 years$64,465$55,179$47,053$39,987$33,882$18,478
16 years$59,810$50,626$42,660$35,804$29,945$15,545
17 years$55,707$46,625$38,819$32,170$26,551$13,108
18 years$52,064$43,083$35,437$28,992$23,608$11,075
19 years$48,809$39,929$32,441$26,196$21,042$9,373
20 years$45,882$37,104$29,772$23,726$18,795$7,944
21 years$43,238$34,561$27,385$21,533$16,820$6,740
22 years$40,837$32,261$25,239$19,578$15,077$5,724
23 years$38,649$30,173$23,304$17,830$13,534$4,866
24 years$36,645$28,271$21,552$16,262$12,164$4,139
25 years$34,805$26,531$19,962$14,852$10,946$3,522
26 years$33,109$24,934$18,514$13,580$9,860$2,999
27 years$31,542$23,466$17,192$12,430$8,889$2,555
28 years$30,089$22,112$15,982$11,388$8,021$2,177
29 years$28,738$20,860$14,872$10,443$7,243$1,856
30 years$27,480$19,700$13,853$9,584$6,544$1,583
31 years$26,306$18,623$12,915$8,802$5,917$1,350
32 years$25,207$17,621$12,050$8,090$5,352$1,151
33 years$24,177$16,688$11,251$7,439$4,844$982
34 years$23,209$15,816$10,512$6,845$4,385$838
35 years$22,299$15,001$9,828$6,301$3,972$715
36 years$21,441$14,239$9,194$5,803$3,599$611
37 years$20,632$13,523$8,605$5,347$3,262$521
38 years$19,867$12,852$8,059$4,928$2,957$445
39 years$19,143$12,221$7,550$4,544$2,682$380
40 years$18,457$11,627$7,077$4,191$2,432$324
41 years$17,806$11,068$6,636$3,867$2,207$277
42 years$17,187$10,541$6,224$3,569$2,002$236
43 years$16,600$10,043$5,841$3,294$1,817$202
44 years$16,040$9,573$5,483$3,042$1,649$172
45 years$15,507$9,129$5,148$2,809$1,497$147
46 years$14,998$8,709$4,835$2,595$1,360$126
47 years$14,513$8,311$4,543$2,397$1,235$107
48 years$14,049$7,934$4,269$2,215$1,121$92
49 years$13,605$7,576$4,012$2,047$1,018$78
50 years$13,181$7,237$3,772$1,892$925$67

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 $2,453 every year, while hoping to spend $52,490 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: 32/42/26 Blend
29$13,500,000$13,500,000$13,500,000$13,500,000
30$14,879,530$14,164,030$13,954,780$15,237,138
31$16,341,393$14,802,219$14,366,416$16,148,049
32$17,950,607$15,469,919$14,790,083$17,123,650
33$19,722,146$16,168,523$15,226,128$18,173,438
34$21,672,511$16,899,485$15,674,909$19,303,970
35$23,819,881$17,664,335$16,136,793$20,522,429
36$26,184,292$18,464,670$16,612,158$21,836,685
37$28,787,819$19,302,168$17,101,394$23,255,367
38$31,654,786$20,178,583$17,604,900$24,787,934
39$34,811,998$21,095,758$18,123,088$26,444,760
40$38,288,990$22,055,619$18,656,381$28,237,223
41$42,118,311$23,060,188$19,205,213$30,177,808
42$46,335,823$24,111,581$19,770,032$32,280,215
43$50,981,047$25,212,019$20,351,298$34,559,483
44$56,097,531$26,363,825$20,949,484$37,032,120
45$61,733,264$27,569,437$21,565,077$39,716,252
46$67,941,126$28,831,409$22,198,576$42,631,788
47$74,779,389$30,152,415$22,850,496$45,800,592
48$82,312,264$31,535,262$23,521,365$49,246,689
49$90,610,513$32,982,887$24,211,729$52,996,470
50$99,752,108$34,498,372$24,922,144$57,078,940
51$109,822,975$36,084,943$25,653,188$61,525,978
52$120,917,798$37,745,986$26,405,450$66,372,621
53$133,140,920$39,485,046$27,179,539$71,657,392
54$146,607,319$41,305,838$27,976,079$77,422,642
55$161,443,701$43,212,260$28,795,713$83,714,941
56$177,789,691$45,208,393$29,639,101$90,585,503
57$195,799,152$47,298,516$30,506,923$98,090,655
58$215,641,637$49,487,115$31,399,877$106,292,352
59$237,503,991$51,778,891$32,318,681$115,258,747
60$261,592,114$54,178,772$33,264,072$125,064,817
61$288,132,900$56,691,923$34,236,809$135,793,056
62$317,376,385$59,323,757$35,237,672$147,534,230
63$349,598,105$62,079,950$36,267,462$160,388,221
64$385,101,695$64,966,450$37,327,005$174,464,945
65$424,221,755$67,989,493$38,417,147$189,885,370
66$467,327,011$71,155,615$39,538,758$206,782,638
67$514,823,794$74,471,668$40,692,735$225,303,298
68$567,159,876$77,944,835$41,879,996$245,608,664
69$624,828,696$81,582,645$43,101,489$267,876,314
70$688,374,019$85,392,990$44,358,185$292,301,739
71$758,395,068$89,384,146$45,651,083$319,100,165
72$835,552,182$93,564,785$46,981,211$348,508,551
73$920,573,046$97,944,002$48,349,624$380,787,799
74$1,014,259,567$102,531,328$49,757,406$416,225,184
75$1,117,495,437$107,336,758$51,205,674$455,137,035
76$1,231,254,480$112,370,767$52,695,572$497,871,685
77$1,356,609,843$117,644,340$54,228,279$544,812,724
78$1,494,744,125$123,168,992$55,805,005$596,382,584
79$1,646,960,547$128,956,793$57,426,994$653,046,485
80$1,814,695,249$135,020,402$59,095,524$715,316,788
81$1,999,530,848$141,373,086$60,811,908$783,757,787
82$2,203,211,385$148,028,757$62,577,497$858,990,992
83$2,427,658,780$155,002,000$64,393,677$941,700,949
84$2,674,990,985$162,308,107$66,261,874$1,032,641,652
85$2,947,541,971$169,963,110$68,183,553$1,132,643,611
86$3,247,883,768$177,983,818$70,160,218$1,242,621,637
87$3,578,850,742$186,387,855$72,193,415$1,363,583,422
88$3,943,566,357$195,193,699$74,284,734$1,496,638,992
89$4,345,472,659$204,420,724$76,435,806$1,643,011,126
90$4,788,362,774$214,089,243$78,648,309$1,804,046,832
91$5,276,416,715$224,220,555$80,923,966$1,981,229,998
92$5,814,240,848$234,836,990$83,264,546$2,176,195,327
93$6,406,911,376$245,961,963$85,671,870$2,390,743,697
94$7,060,022,263$257,620,027$88,147,804$2,626,859,084
95$7,779,738,047$269,836,922$90,694,270$2,886,727,207
96$8,572,852,038$282,639,640$93,313,237$3,172,756,082
97$9,446,850,447$296,056,484$96,006,732$3,487,598,661
98$10,409,983,071$310,117,130$98,776,836$3,834,177,787
99$11,471,341,169$324,852,695$101,625,685$4,215,713,687
100$12,640,943,298$340,295,806$104,555,475$4,635,754,269