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%16.8%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,054,419
2 years$555,978$545,623$535,588$525,858$516,421$486,355
3 years$366,970$356,571$346,561$336,922$327,638$298,514
4 years$272,485$262,117$252,208$242,734$233,674$205,715
5 years$215,808$205,503$195,723$186,443$177,636$150,917
6 years$178,036$167,809$158,174$149,100$140,557$115,105
7 years$151,067$140,926$131,443$122,583$114,310$90,125
8 years$130,849$120,799$111,474$102,832$94,832$71,900
9 years$115,133$105,177$96,013$87,590$79,862$58,163
10 years$102,567$92,709$83,706$75,503$68,046$47,551
11 years$92,292$82,533$73,693$65,711$58,522$39,198
12 years$83,736$74,077$65,401$57,637$50,714$32,525
13 years$76,502$66,944$58,431$50,885$44,224$27,130
14 years$70,307$60,850$52,501$45,170$38,766$22,727
15 years$64,942$55,588$47,401$40,284$34,133$19,106
16 years$60,253$51,001$42,976$36,070$30,167$16,108
17 years$56,120$46,970$39,107$32,408$26,748$13,613
18 years$52,450$43,402$35,699$29,206$23,783$11,527
19 years$49,170$40,225$32,681$26,390$21,198$9,778
20 years$46,222$37,379$29,993$23,902$18,935$8,305
21 years$43,558$34,817$27,588$21,692$16,944$7,063
22 years$41,140$32,500$25,426$19,723$15,188$6,013
23 years$38,935$30,397$23,477$17,962$13,634$5,123
24 years$36,917$28,480$21,712$16,383$12,254$4,368
25 years$35,063$26,727$20,110$14,962$11,027$3,726
26 years$33,354$25,119$18,651$13,680$9,933$3,181
27 years$31,775$23,640$17,319$12,522$8,955$2,716
28 years$30,311$22,276$16,100$11,473$8,080$2,320
29 years$28,951$21,015$14,983$10,521$7,296$1,983
30 years$27,684$19,846$13,956$9,655$6,593$1,695
31 years$26,500$18,761$13,010$8,868$5,961$1,449
32 years$25,393$17,752$12,139$8,150$5,392$1,239
33 years$24,356$16,811$11,334$7,494$4,880$1,060
34 years$23,381$15,933$10,590$6,895$4,418$907
35 years$22,464$15,113$9,901$6,348$4,001$776
36 years$21,600$14,344$9,262$5,846$3,625$664
37 years$20,785$13,624$8,669$5,386$3,286$568
38 years$20,014$12,947$8,118$4,965$2,979$486
39 years$19,284$12,311$7,606$4,578$2,701$416
40 years$18,593$11,713$7,129$4,222$2,450$356
41 years$17,938$11,150$6,685$3,896$2,223$305
42 years$17,315$10,619$6,271$3,595$2,017$261
43 years$16,723$10,118$5,884$3,319$1,831$223
44 years$16,159$9,644$5,523$3,064$1,662$191
45 years$15,622$9,197$5,186$2,830$1,509$164
46 years$15,109$8,773$4,871$2,614$1,370$140
47 years$14,620$8,372$4,576$2,415$1,244$120
48 years$14,153$7,993$4,300$2,232$1,129$103
49 years$13,706$7,632$4,042$2,062$1,026$88
50 years$13,278$7,291$3,800$1,906$932$75

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 $6,712 every year, while hoping to spend $56,629 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: 74/18/8 Blend
29$13,600,000$13,600,000$13,600,000$13,600,000
30$14,994,123$14,273,323$14,062,523$16,084,584
31$16,463,271$14,912,463$14,473,365$17,443,138
32$18,080,374$15,581,023$14,896,072$18,923,205
33$19,860,464$16,280,385$15,330,982$20,543,015
34$21,820,103$17,011,996$15,778,442$22,316,376
35$23,977,543$17,777,373$16,238,809$24,258,488
36$26,352,892$18,578,104$16,712,449$26,386,079
37$28,968,311$19,415,856$17,199,740$28,717,568
38$31,848,217$20,292,370$17,701,070$31,273,225
39$35,019,515$21,209,476$18,216,835$34,075,372
40$38,511,853$22,169,088$18,747,446$37,148,580
41$42,357,900$23,173,211$19,293,324$40,519,905
42$46,593,656$24,223,949$19,854,901$44,219,135
43$51,258,789$25,323,503$20,432,620$48,279,074
44$56,397,013$26,474,181$21,026,940$52,735,842
45$62,056,494$27,678,403$21,638,329$57,629,213
46$68,290,313$28,938,701$22,267,269$63,002,993
47$75,156,959$30,257,731$22,914,257$68,905,421
48$82,720,886$31,638,277$23,579,801$75,389,625
49$91,053,118$33,083,254$24,264,426$82,514,118
50$100,231,920$34,595,718$24,968,668$90,343,346
51$110,343,539$36,178,871$25,693,082$98,948,292
52$121,483,013$37,836,069$26,438,234$108,407,139
53$133,755,074$39,570,830$27,204,708$118,806,006
54$147,275,130$41,386,839$27,993,104$130,239,751
55$162,170,358$43,287,959$28,804,038$142,812,866
56$178,580,904$45,278,239$29,638,143$156,640,454
57$196,661,205$47,361,921$30,496,069$171,849,311
58$216,581,446$49,543,453$31,378,485$188,579,113
59$238,529,166$51,827,495$32,286,077$206,983,734
60$262,711,031$54,218,932$33,219,551$227,232,685
61$289,354,780$56,722,883$34,179,630$249,512,711
62$318,711,379$59,344,717$35,167,059$274,029,545
63$351,057,388$62,090,056$36,182,604$301,009,839
64$386,697,569$64,964,796$37,227,048$330,703,303
65$425,967,767$67,975,116$38,301,200$363,385,043
66$469,238,077$71,127,495$39,405,888$399,358,157
67$516,916,338$74,428,720$40,541,963$438,956,582
68$569,451,986$77,885,909$41,710,300$482,548,241
69$627,340,291$81,506,520$42,911,797$530,538,499
70$691,127,035$85,298,374$44,147,377$583,373,986
71$761,413,665$89,269,667$45,417,987$641,546,793
72$838,862,969$93,428,991$46,724,599$705,599,117
73$924,205,333$97,785,352$48,068,214$776,128,355
74$1,018,245,636$102,348,194$49,449,859$853,792,738
75$1,121,870,847$107,127,412$50,870,585$939,317,530
76$1,236,058,401$112,133,382$52,331,478$1,033,501,857
77$1,361,885,423$117,376,983$53,833,647$1,137,226,239
78$1,500,538,896$122,869,615$55,378,234$1,251,460,886
79$1,653,326,870$128,623,233$56,966,411$1,377,274,841
80$1,821,690,807$134,650,367$58,599,383$1,515,846,053
81$2,007,219,191$140,964,157$60,278,383$1,668,472,483
82$2,211,662,521$147,578,373$62,004,681$1,836,584,335
83$2,436,949,840$154,507,455$63,779,580$2,021,757,539
84$2,685,206,945$161,766,542$65,604,418$2,225,728,610
85$2,958,776,453$169,371,502$67,480,566$2,450,411,015
86$3,260,239,921$177,338,976$69,409,434$2,697,913,222
87$3,592,442,213$185,686,406$71,392,471$2,970,558,576
88$3,958,518,361$194,432,081$73,431,160$3,270,907,207
89$4,361,923,157$203,595,177$75,527,027$3,601,780,179
90$4,806,463,774$213,195,795$77,681,637$3,966,286,091
91$5,296,335,704$223,255,014$79,896,597$4,367,850,396
92$5,836,162,369$233,794,933$82,173,556$4,810,247,712
93$6,431,038,766$244,838,721$84,514,207$5,297,637,425
94$7,086,579,574$256,410,671$86,920,286$5,834,602,922
95$7,808,972,151$268,536,255$89,393,577$6,426,194,831
96$8,605,034,958$281,242,179$91,935,908$7,077,978,662
97$9,482,281,921$294,556,444$94,549,159$7,796,087,318
98$10,448,993,377$308,508,409$97,235,256$8,587,278,952
99$11,514,294,241$323,128,860$99,996,176$9,459,000,725
100$12,688,240,154$338,450,075$102,833,948$10,419,459,077