Can I retire at age 30 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,087,854
2 years$560,066$549,635$539,526$529,725$520,218$515,571
3 years$369,668$359,193$349,109$339,400$330,048$325,500
4 years$274,488$264,045$254,062$244,518$235,393$230,980
5 years$217,395$207,014$197,163$187,814$178,942$174,677
6 years$179,346$169,043$159,337$150,196$141,591$137,479
7 years$152,178$141,962$132,410$123,484$115,151$111,195
8 years$131,811$121,687$112,294$103,588$95,529$91,729
9 years$115,979$105,951$96,719$88,234$80,449$76,804
10 years$103,321$93,390$84,321$76,059$68,547$65,055
11 years$92,971$83,140$74,235$66,194$58,952$55,612
12 years$84,352$74,622$65,882$58,061$51,087$47,895
13 years$77,065$67,437$58,861$51,259$44,549$41,503
14 years$70,824$61,298$52,887$45,502$39,051$36,147
15 years$65,420$55,997$47,750$40,580$34,384$31,619
16 years$60,696$51,376$43,292$36,335$30,388$27,758
17 years$56,533$47,315$39,394$32,647$26,945$24,446
18 years$52,836$43,721$35,962$29,421$23,958$21,586
19 years$49,532$40,521$32,921$26,584$21,354$19,105
20 years$46,562$37,654$30,214$24,077$19,074$16,944
21 years$43,878$35,073$27,791$21,852$17,069$15,054
22 years$41,442$32,739$25,613$19,868$15,300$13,395
23 years$39,221$30,620$23,649$18,094$13,734$11,935
24 years$37,188$28,689$21,872$16,503$12,345$10,647
25 years$35,321$26,924$20,258$15,072$11,108$9,508
26 years$33,600$25,304$18,788$13,781$10,006$8,499
27 years$32,009$23,814$17,446$12,614$9,021$7,603
28 years$30,534$22,440$16,219$11,557$8,140$6,807
29 years$29,164$21,169$15,093$10,598$7,350$6,098
30 years$27,887$19,992$14,058$9,726$6,641$5,466
31 years$26,695$18,899$13,106$8,933$6,004$4,902
32 years$25,580$17,882$12,228$8,210$5,431$4,399
33 years$24,535$16,935$11,418$7,549$4,915$3,948
34 years$23,553$16,051$10,668$6,946$4,450$3,545
35 years$22,629$15,224$9,974$6,394$4,031$3,185
36 years$21,759$14,449$9,330$5,889$3,652$2,862
37 years$20,937$13,724$8,733$5,426$3,310$2,572
38 years$20,161$13,042$8,178$5,001$3,001$2,312
39 years$19,426$12,402$7,662$4,611$2,721$2,079
40 years$18,730$11,800$7,182$4,253$2,468$1,870
41 years$18,070$11,232$6,734$3,924$2,239$1,682
42 years$17,442$10,697$6,317$3,622$2,032$1,513
43 years$16,845$10,192$5,927$3,343$1,844$1,361
44 years$16,278$9,715$5,564$3,087$1,674$1,225
45 years$15,736$9,264$5,224$2,851$1,520$1,103
46 years$15,220$8,838$4,907$2,633$1,380$992
47 years$14,728$8,434$4,610$2,433$1,253$893
48 years$14,257$8,051$4,332$2,248$1,138$804
49 years$13,807$7,689$4,072$2,078$1,033$724
50 years$13,376$7,344$3,828$1,920$939$652

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,700,000, adding $5,470 every year, while hoping to spend $38,530 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: 22/48/30 Blend
29$13,700,000$13,700,000$13,700,000$13,700,000
30$15,103,042$14,376,942$14,164,592$15,292,075
31$16,602,557$15,040,417$14,598,111$16,126,715
32$18,253,731$15,735,110$15,044,860$17,015,405
33$20,071,992$16,462,512$15,505,244$17,965,302
34$22,074,343$17,224,182$15,979,677$18,981,442
35$24,279,515$18,021,756$16,468,586$20,069,325
36$26,708,154$18,856,950$16,972,411$21,234,954
37$29,383,005$19,731,561$17,491,607$22,484,889
38$32,329,136$20,647,471$18,026,640$23,826,303
39$35,574,167$21,606,657$18,577,992$25,267,034
40$39,148,537$22,611,188$19,146,159$26,815,659
41$43,085,786$23,663,234$19,731,654$28,481,560
42$47,422,873$24,765,069$20,335,001$30,275,006
43$52,200,526$25,919,078$20,956,744$32,207,240
44$57,463,627$27,127,760$21,597,441$34,290,574
45$63,261,631$28,393,734$22,257,670$36,538,498
46$69,649,038$29,719,748$22,938,022$38,965,790
47$76,685,904$31,108,680$23,639,110$41,588,651
48$84,438,409$32,563,548$24,361,564$44,424,839
49$92,979,482$34,087,518$25,106,031$47,493,830
50$102,389,488$35,683,904$25,873,182$50,816,986
51$112,756,987$37,356,186$26,663,704$54,417,742
52$124,179,569$39,108,009$27,478,308$58,321,813
53$136,764,777$40,943,194$28,317,724$62,557,423
54$150,631,122$42,865,748$29,182,705$67,155,555
55$165,909,199$44,879,872$30,074,028$72,150,225
56$182,742,921$46,989,970$30,992,492$77,578,791
57$201,290,879$49,200,658$31,938,921$83,482,281
58$221,727,837$51,516,778$32,914,162$89,905,766
59$244,246,380$53,943,405$33,919,091$96,898,761
60$269,058,738$56,485,858$34,954,607$104,515,680
61$296,398,781$59,149,718$36,021,639$112,816,318
62$326,524,235$61,940,832$37,121,142$121,866,399
63$359,719,108$64,865,333$38,254,100$131,738,172
64$396,296,373$67,929,651$39,421,529$142,511,066
65$436,600,926$71,140,527$40,624,474$154,272,416
66$481,012,837$74,505,029$41,864,010$167,118,260
67$529,950,939$78,030,568$43,141,247$181,154,214
68$583,876,784$81,724,915$44,457,327$196,496,445
69$643,298,996$85,596,216$45,813,428$213,272,730
70$708,778,077$89,653,014$47,210,762$231,623,636
71$780,931,696$93,904,268$48,650,578$251,703,808
72$860,440,520$98,359,367$50,134,162$273,683,394
73$948,054,638$103,028,161$51,662,842$297,749,617
74$1,044,600,645$107,920,975$53,237,981$324,108,499
75$1,150,989,444$113,048,636$54,860,987$352,986,767
76$1,268,224,847$118,422,498$56,533,309$384,633,952
77$1,397,413,046$124,054,466$58,256,440$419,324,696
78$1,539,773,064$129,957,022$60,031,918$457,361,301
79$1,696,648,256$136,143,255$61,861,327$499,076,534
80$1,869,518,995$142,626,892$63,746,298$544,836,713
81$2,060,016,647$149,422,324$65,688,514$595,045,114
82$2,269,938,971$156,544,644$67,689,705$650,145,723
83$2,501,267,092$164,009,678$69,751,656$710,627,366
84$2,756,184,203$171,834,020$71,876,204$777,028,262
85$3,037,096,178$180,035,072$74,065,242$849,941,041
86$3,346,654,281$188,631,084$76,320,721$930,018,268
87$3,687,780,200$197,641,190$78,644,648$1,017,978,537
88$4,063,693,630$207,085,457$81,039,093$1,114,613,175
89$4,477,942,665$216,984,929$83,506,188$1,220,793,639
90$4,934,437,299$227,361,673$86,048,126$1,337,479,661
91$5,437,486,336$238,238,827$88,667,171$1,465,728,221
92$5,991,838,073$249,640,660$91,365,652$1,606,703,435
93$6,602,725,122$261,592,619$94,145,968$1,761,687,459
94$7,275,913,818$274,121,390$97,010,591$1,932,092,484
95$8,017,758,648$287,254,959$99,962,066$2,119,473,975
96$8,835,262,252$301,022,674$103,003,018$2,325,545,242
97$9,736,141,529$315,455,312$106,136,146$2,552,193,505
98$10,728,900,492$330,585,149$109,364,233$2,801,497,592
99$11,822,910,553$346,446,033$112,690,146$3,075,747,440
100$13,028,499,000$363,073,459$116,116,837$3,377,465,587