Can I retire at age 30 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,055,270
2 years$555,978$545,623$535,588$525,858$516,421$487,198
3 years$366,970$356,571$346,561$336,922$327,638$299,320
4 years$272,485$262,117$252,208$242,734$233,674$206,479
5 years$215,808$205,503$195,723$186,443$177,636$151,637
6 years$178,036$167,809$158,174$149,100$140,557$115,780
7 years$151,067$140,926$131,443$122,583$114,310$90,757
8 years$130,849$120,799$111,474$102,832$94,832$72,490
9 years$115,133$105,177$96,013$87,590$79,862$58,711
10 years$102,567$92,709$83,706$75,503$68,046$48,059
11 years$92,292$82,533$73,693$65,711$58,522$39,668
12 years$83,736$74,077$65,401$57,637$50,714$32,958
13 years$76,502$66,944$58,431$50,885$44,224$27,528
14 years$70,307$60,850$52,501$45,170$38,766$23,093
15 years$64,942$55,588$47,401$40,284$34,133$19,440
16 years$60,253$51,001$42,976$36,070$30,167$16,413
17 years$56,120$46,970$39,107$32,408$26,748$13,891
18 years$52,450$43,402$35,699$29,206$23,783$11,781
19 years$49,170$40,225$32,681$26,390$21,198$10,008
20 years$46,222$37,379$29,993$23,902$18,935$8,514
21 years$43,558$34,817$27,588$21,692$16,944$7,251
22 years$41,140$32,500$25,426$19,723$15,188$6,183
23 years$38,935$30,397$23,477$17,962$13,634$5,276
24 years$36,917$28,480$21,712$16,383$12,254$4,505
25 years$35,063$26,727$20,110$14,962$11,027$3,850
26 years$33,354$25,119$18,651$13,680$9,933$3,292
27 years$31,775$23,640$17,319$12,522$8,955$2,815
28 years$30,311$22,276$16,100$11,473$8,080$2,409
29 years$28,951$21,015$14,983$10,521$7,296$2,062
30 years$27,684$19,846$13,956$9,655$6,593$1,766
31 years$26,500$18,761$13,010$8,868$5,961$1,512
32 years$25,393$17,752$12,139$8,150$5,392$1,295
33 years$24,356$16,811$11,334$7,494$4,880$1,110
34 years$23,381$15,933$10,590$6,895$4,418$951
35 years$22,464$15,113$9,901$6,348$4,001$815
36 years$21,600$14,344$9,262$5,846$3,625$698
37 years$20,785$13,624$8,669$5,386$3,286$599
38 years$20,014$12,947$8,118$4,965$2,979$513
39 years$19,284$12,311$7,606$4,578$2,701$440
40 years$18,593$11,713$7,129$4,222$2,450$377
41 years$17,938$11,150$6,685$3,896$2,223$323
42 years$17,315$10,619$6,271$3,595$2,017$277
43 years$16,723$10,118$5,884$3,319$1,831$238
44 years$16,159$9,644$5,523$3,064$1,662$204
45 years$15,622$9,197$5,186$2,830$1,509$175
46 years$15,109$8,773$4,871$2,614$1,370$150
47 years$14,620$8,372$4,576$2,415$1,244$129
48 years$14,153$7,993$4,300$2,232$1,129$110
49 years$13,706$7,632$4,042$2,062$1,026$95
50 years$13,278$7,291$3,800$1,906$932$81

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,600,000, adding $5,273 every year, while hoping to spend $56,318 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: 39/41/20 Blend
29$13,600,000$13,600,000$13,600,000$13,600,000
30$14,992,639$14,271,839$14,061,039$15,487,766
31$16,461,966$14,911,237$14,472,162$16,483,583
32$18,079,277$15,580,078$14,895,170$17,553,894
33$19,859,607$16,279,746$15,330,402$18,710,056
34$21,819,523$17,011,689$15,778,205$19,959,885
35$23,977,277$17,777,425$16,238,939$21,311,952
36$26,352,987$18,578,546$16,712,970$22,775,662
37$28,968,814$19,416,717$17,200,677$24,361,337
38$31,849,182$20,293,685$17,702,449$26,080,305
39$35,021,002$21,211,280$18,218,685$27,945,000
40$38,513,929$22,171,417$18,749,796$29,969,077
41$42,360,639$23,176,106$19,296,203$32,167,532
42$46,597,140$24,227,451$19,858,342$34,556,833
43$51,263,109$25,327,656$20,436,657$37,155,075
44$56,402,268$26,479,034$21,031,607$39,982,137
45$62,062,797$27,684,003$21,643,663$43,059,865
46$68,297,785$28,945,103$22,273,309$46,412,266
47$75,165,737$30,264,991$22,921,042$50,065,732
48$82,731,120$31,646,453$23,587,375$54,049,272
49$91,064,974$33,092,408$24,272,831$58,394,784
50$100,245,582$34,605,917$24,977,952$63,137,338
51$110,359,209$36,190,185$25,703,291$68,315,505
52$121,500,917$37,848,573$26,449,420$73,971,703
53$133,775,458$39,584,601$27,216,924$80,152,588
54$147,298,269$41,401,960$28,006,404$86,909,483
55$162,196,554$43,304,517$28,818,480$94,298,852
56$178,610,491$45,296,327$29,653,788$102,382,813
57$196,694,550$47,381,637$30,512,979$111,229,719
58$216,618,957$49,564,899$31,396,726$120,914,782
59$238,571,292$51,850,781$32,305,718$131,520,770
60$262,758,267$54,244,172$33,240,662$143,138,774
61$289,407,673$56,750,200$34,202,288$155,869,050
62$318,770,533$59,374,237$35,191,342$169,821,949
63$351,123,468$62,121,915$36,208,592$185,118,936
64$386,771,310$64,999,137$37,254,829$201,893,726
65$426,049,979$68,012,090$38,330,861$220,293,519
66$469,329,654$71,167,260$39,437,522$240,480,373
67$517,018,268$74,471,445$40,575,668$262,632,708
68$569,565,355$77,931,769$41,746,176$286,946,974
69$627,466,298$81,555,703$42,949,951$313,639,476
70$691,267,004$85,351,076$44,187,918$342,948,391
71$761,569,056$89,326,095$45,461,029$375,135,996
72$839,035,389$93,489,364$46,770,264$410,491,111
73$924,396,558$97,849,902$48,116,627$449,331,798
74$1,018,457,621$102,417,161$49,501,148$492,008,338
75$1,122,105,750$107,201,054$50,924,888$538,906,499
76$1,236,318,601$112,211,970$52,388,936$590,451,153
77$1,362,173,540$117,460,799$53,894,408$647,110,246
78$1,500,857,823$122,958,959$55,442,452$709,399,185
79$1,653,679,794$128,718,421$57,034,247$777,885,663
80$1,822,081,242$134,751,733$58,671,003$853,194,978
81$2,007,651,010$141,072,049$60,353,963$936,015,900
82$2,212,139,995$147,693,161$62,084,403$1,027,107,124
83$2,437,477,676$154,629,528$63,863,632$1,127,304,393
84$2,685,790,333$161,896,309$65,692,998$1,237,528,336
85$2,959,421,113$169,509,394$67,573,879$1,358,793,113
86$3,260,952,158$177,485,446$69,507,696$1,492,215,937
87$3,593,228,977$185,841,932$71,495,903$1,639,027,563
88$3,959,387,313$194,597,167$73,539,996$1,800,583,859
89$4,362,882,742$203,770,351$75,641,508$1,978,378,538
90$4,807,523,299$213,381,615$77,802,016$2,174,057,202
91$5,297,505,428$223,452,067$80,023,136$2,389,432,811
92$5,837,453,599$234,003,836$82,306,529$2,626,502,731
93$6,432,463,966$245,060,124$84,653,897$2,887,467,520
94$7,088,152,479$256,645,258$87,066,991$3,174,751,625
95$7,810,707,901$268,784,745$89,547,605$3,491,026,196
96$8,606,950,238$281,505,329$92,097,581$3,839,234,218
97$9,484,395,123$294,835,050$94,718,810$4,222,618,212
98$10,451,324,768$308,803,311$97,413,233$4,644,750,754
99$11,516,866,160$323,440,938$100,182,842$5,109,568,113
100$12,691,077,221$338,780,257$103,029,680$5,621,407,307