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

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,044,758
2 years$555,978$545,623$535,588$525,858$516,421$476,841
3 years$366,970$356,571$346,561$336,922$327,638$289,448
4 years$272,485$262,117$252,208$242,734$233,674$197,165
5 years$215,808$205,503$195,723$186,443$177,636$142,903
6 years$178,036$167,809$158,174$149,100$140,557$107,625
7 years$151,067$140,926$131,443$122,583$114,310$83,172
8 years$130,849$120,799$111,474$102,832$94,832$65,458
9 years$115,133$105,177$96,013$87,590$79,862$52,214
10 years$102,567$92,709$83,706$75,503$68,046$42,075
11 years$92,292$82,533$73,693$65,711$58,522$34,172
12 years$83,736$74,077$65,401$57,637$50,714$27,925
13 years$76,502$66,944$58,431$50,885$44,224$22,932
14 years$70,307$60,850$52,501$45,170$38,766$18,906
15 years$64,942$55,588$47,401$40,284$34,133$15,636
16 years$60,253$51,001$42,976$36,070$30,167$12,966
17 years$56,120$46,970$39,107$32,408$26,748$10,774
18 years$52,450$43,402$35,699$29,206$23,783$8,969
19 years$49,170$40,225$32,681$26,390$21,198$7,477
20 years$46,222$37,379$29,993$23,902$18,935$6,240
21 years$43,558$34,817$27,588$21,692$16,944$5,213
22 years$41,140$32,500$25,426$19,723$15,188$4,359
23 years$38,935$30,397$23,477$17,962$13,634$3,647
24 years$36,917$28,480$21,712$16,383$12,254$3,053
25 years$35,063$26,727$20,110$14,962$11,027$2,557
26 years$33,354$25,119$18,651$13,680$9,933$2,143
27 years$31,775$23,640$17,319$12,522$8,955$1,796
28 years$30,311$22,276$16,100$11,473$8,080$1,506
29 years$28,951$21,015$14,983$10,521$7,296$1,263
30 years$27,684$19,846$13,956$9,655$6,593$1,059
31 years$26,500$18,761$13,010$8,868$5,961$889
32 years$25,393$17,752$12,139$8,150$5,392$746
33 years$24,356$16,811$11,334$7,494$4,880$626
34 years$23,381$15,933$10,590$6,895$4,418$525
35 years$22,464$15,113$9,901$6,348$4,001$441
36 years$21,600$14,344$9,262$5,846$3,625$370
37 years$20,785$13,624$8,669$5,386$3,286$310
38 years$20,014$12,947$8,118$4,965$2,979$261
39 years$19,284$12,311$7,606$4,578$2,701$219
40 years$18,593$11,713$7,129$4,222$2,450$184
41 years$17,938$11,150$6,685$3,896$2,223$154
42 years$17,315$10,619$6,271$3,595$2,017$129
43 years$16,723$10,118$5,884$3,319$1,831$109
44 years$16,159$9,644$5,523$3,064$1,662$91
45 years$15,622$9,197$5,186$2,830$1,509$77
46 years$15,109$8,773$4,871$2,614$1,370$64
47 years$14,620$8,372$4,576$2,415$1,244$54
48 years$14,153$7,993$4,300$2,232$1,129$45
49 years$13,706$7,632$4,042$2,062$1,026$38
50 years$13,278$7,291$3,800$1,906$932$32

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 $3,035 every year, while hoping to spend $39,490 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: 54/25/21 Blend
29$13,600,000$13,600,000$13,600,000$13,600,000
30$14,990,331$14,269,531$14,058,731$15,713,634
31$16,477,327$14,926,721$14,487,681$16,867,319
32$18,114,674$15,614,789$14,929,678$18,118,144
33$19,917,665$16,335,208$15,385,116$19,478,946
34$21,903,153$17,089,519$15,854,403$20,960,244
35$24,089,708$17,879,339$16,337,959$22,573,606
36$26,497,793$18,706,362$16,836,216$24,331,747
37$29,149,957$19,572,363$17,349,619$26,248,647
38$32,071,048$20,479,204$17,878,626$28,339,680
39$35,288,446$21,428,836$18,423,711$30,621,755
40$38,832,322$22,423,303$18,985,360$33,113,467
41$42,735,923$23,464,750$19,564,074$35,835,274
42$47,035,888$24,555,423$20,160,371$38,809,677
43$51,772,587$25,697,677$20,774,781$42,061,435
44$56,990,509$26,893,981$21,407,855$45,617,788
45$62,738,678$28,146,923$22,060,155$49,508,712
46$69,071,117$29,459,217$22,732,265$53,767,192
47$76,047,358$30,833,705$23,424,782$58,429,530
48$83,733,001$32,273,369$24,138,325$63,535,680
49$92,200,337$33,781,335$24,873,529$69,129,619
50$101,529,029$35,360,877$25,631,050$75,259,752
51$111,806,861$37,015,432$26,411,561$81,979,367
52$123,130,571$38,748,598$27,215,759$89,347,125
53$135,606,761$40,564,151$28,044,358$97,427,609
54$149,352,904$42,466,048$28,898,098$106,291,922
55$164,498,452$44,458,436$29,777,736$116,018,352
56$181,186,061$46,545,666$30,684,056$126,693,101
57$199,572,931$48,732,295$31,617,864$138,411,086
58$219,832,298$51,023,106$32,579,991$151,276,830
59$242,155,062$53,423,108$33,571,290$165,405,436
60$266,751,594$55,937,556$34,592,644$180,923,658
61$293,853,720$58,571,959$35,644,960$197,971,094
62$323,716,906$61,332,091$36,729,173$216,701,485
63$356,622,675$64,224,009$37,846,245$237,284,157
64$392,881,262$67,254,059$38,997,169$259,905,604
65$432,834,542$70,428,899$40,182,965$284,771,237
66$476,859,257$73,755,507$41,404,686$312,107,306
67$525,370,574$77,241,200$42,663,416$342,163,024
68$578,826,003$80,893,650$43,960,271$375,212,899
69$637,729,717$84,720,900$45,296,402$411,559,314
70$702,637,308$88,731,384$46,672,991$451,535,361
71$774,161,037$92,933,945$48,091,260$495,507,967
72$852,975,610$97,337,856$49,552,465$543,881,342
73$939,824,549$101,952,838$51,057,899$597,100,771
74$1,035,527,212$106,789,085$52,608,897$655,656,800
75$1,140,986,523$111,857,286$54,206,831$720,089,843
76$1,257,197,503$117,168,648$55,853,115$790,995,265
77$1,385,256,660$122,734,923$57,549,205$869,028,971
78$1,526,372,338$128,568,433$59,296,603$954,913,584
79$1,681,876,130$134,682,100$61,096,852$1,049,445,229
80$1,853,235,443$141,089,471$62,951,545$1,153,501,032
81$2,042,067,357$147,804,754$64,862,320$1,268,047,365
82$2,250,153,886$154,842,846$66,830,867$1,394,148,944
83$2,479,458,804$162,219,367$68,858,923$1,532,978,845
84$2,732,146,185$169,950,698$70,948,279$1,685,829,550
85$3,010,600,829$178,054,016$73,100,780$1,854,125,112
86$3,317,450,783$186,547,332$75,318,325$2,039,434,565
87$3,655,592,145$195,449,534$77,602,871$2,243,486,698
88$4,028,216,410$204,780,427$79,956,433$2,468,186,336
89$4,438,840,596$214,560,780$82,381,087$2,715,632,286
90$4,891,340,452$224,812,374$84,878,968$2,988,137,103
91$5,389,987,044$235,558,046$87,452,279$3,288,248,882
92$5,939,487,079$246,821,747$90,103,287$3,618,775,263
93$6,545,027,341$258,628,591$92,834,327$3,982,809,890
94$7,212,323,655$271,004,918$95,647,802$4,383,761,569
95$7,947,674,855$283,978,346$98,546,190$4,825,386,388
96$8,758,022,243$297,577,838$101,532,041$5,311,823,129
97$9,651,015,129$311,833,769$104,607,982$5,847,632,279
98$10,635,083,040$326,777,991$107,776,716$6,437,839,022
99$11,719,515,305$342,443,908$111,041,031$7,087,980,618
100$12,914,548,755$358,866,549$114,403,795$7,804,158,610