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

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,051,606
2 years$560,066$549,635$539,526$529,725$520,218$479,528
3 years$369,668$359,193$349,109$339,400$330,048$290,800
4 years$274,488$264,045$254,062$244,518$235,393$197,887
5 years$217,395$207,014$197,163$187,814$178,942$143,274
6 years$179,346$169,043$159,337$150,196$141,591$107,786
7 years$152,178$141,962$132,410$123,484$115,151$83,201
8 years$131,811$121,687$112,294$103,588$95,529$65,403
9 years$115,979$105,951$96,719$88,234$80,449$52,106
10 years$103,321$93,390$84,321$76,059$68,547$41,935
11 years$92,971$83,140$74,235$66,194$58,952$34,014
12 years$84,352$74,622$65,882$58,061$51,087$27,759
13 years$77,065$67,437$58,861$51,259$44,549$22,764
14 years$70,824$61,298$52,887$45,502$39,051$18,741
15 years$65,420$55,997$47,750$40,580$34,384$15,478
16 years$60,696$51,376$43,292$36,335$30,388$12,816
17 years$56,533$47,315$39,394$32,647$26,945$10,634
18 years$52,836$43,721$35,962$29,421$23,958$8,839
19 years$49,532$40,521$32,921$26,584$21,354$7,357
20 years$46,562$37,654$30,214$24,077$19,074$6,131
21 years$43,878$35,073$27,791$21,852$17,069$5,114
22 years$41,442$32,739$25,613$19,868$15,300$4,269
23 years$39,221$30,620$23,649$18,094$13,734$3,567
24 years$37,188$28,689$21,872$16,503$12,345$2,981
25 years$35,321$26,924$20,258$15,072$11,108$2,493
26 years$33,600$25,304$18,788$13,781$10,006$2,085
27 years$32,009$23,814$17,446$12,614$9,021$1,745
28 years$30,534$22,440$16,219$11,557$8,140$1,461
29 years$29,164$21,169$15,093$10,598$7,350$1,223
30 years$27,887$19,992$14,058$9,726$6,641$1,024
31 years$26,695$18,899$13,106$8,933$6,004$858
32 years$25,580$17,882$12,228$8,210$5,431$719
33 years$24,535$16,935$11,418$7,549$4,915$602
34 years$23,553$16,051$10,668$6,946$4,450$504
35 years$22,629$15,224$9,974$6,394$4,031$423
36 years$21,759$14,449$9,330$5,889$3,652$354
37 years$20,937$13,724$8,733$5,426$3,310$297
38 years$20,161$13,042$8,178$5,001$3,001$249
39 years$19,426$12,402$7,662$4,611$2,721$208
40 years$18,730$11,800$7,182$4,253$2,468$175
41 years$18,070$11,232$6,734$3,924$2,239$146
42 years$17,442$10,697$6,317$3,622$2,032$123
43 years$16,845$10,192$5,927$3,343$1,844$103
44 years$16,278$9,715$5,564$3,087$1,674$86
45 years$15,736$9,264$5,224$2,851$1,520$72
46 years$15,220$8,838$4,907$2,633$1,380$61
47 years$14,728$8,434$4,610$2,433$1,253$51
48 years$14,257$8,051$4,332$2,248$1,138$43
49 years$13,807$7,689$4,072$2,078$1,033$36
50 years$13,376$7,344$3,828$1,920$939$30

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 $2,599 every year, while hoping to spend $25,740 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: 54/20/26 Blend
29$13,700,000$13,700,000$13,700,000$13,700,000
30$15,100,081$14,373,981$14,161,631$15,806,592
31$16,612,902$15,050,919$14,608,658$16,971,196
32$18,279,168$15,760,164$15,069,799$18,235,534
33$20,114,504$16,503,272$15,545,497$19,611,500
34$22,136,125$17,281,875$16,036,214$21,109,806
35$24,363,006$18,097,682$16,542,422$22,742,227
36$26,816,051$18,952,488$17,064,612$24,521,713
37$29,518,300$19,848,171$17,603,288$26,462,503
38$32,495,139$20,786,704$18,158,971$28,580,259
39$35,774,543$21,770,153$18,732,197$30,892,205
40$39,387,342$22,800,685$19,323,520$33,417,291
41$43,367,505$23,880,573$19,933,513$36,176,362
42$47,752,468$25,012,199$20,562,763$39,192,353
43$52,583,485$26,198,062$21,211,881$42,490,502
44$57,906,013$27,440,780$21,881,492$46,098,578
45$63,770,148$28,743,100$22,572,243$50,047,141
46$70,231,094$30,107,902$23,284,804$54,369,826
47$77,349,681$31,538,205$24,019,861$59,103,651
48$85,192,948$33,037,177$24,778,126$64,289,364
49$93,834,767$34,608,136$25,560,330$69,971,819
50$103,356,543$36,254,565$26,367,232$76,200,391
51$113,847,985$37,980,113$27,199,609$83,029,441
52$125,407,951$39,788,610$28,058,266$90,518,816
53$138,145,378$41,684,068$28,944,035$98,734,408
54$152,180,316$43,670,696$29,857,769$107,748,768
55$167,645,057$45,752,909$30,800,353$117,641,786
56$184,685,385$47,935,334$31,772,698$128,501,430
57$203,461,954$50,222,825$32,775,743$140,424,572
58$224,151,801$52,620,471$33,810,457$153,517,893
59$246,950,019$55,133,608$34,877,842$167,898,876
60$272,071,599$57,767,834$35,978,928$183,696,910
61$299,753,460$60,529,015$37,114,780$201,054,499
62$330,256,683$63,423,307$38,286,495$220,128,592
63$363,868,978$66,457,163$39,495,207$241,092,059
64$400,907,401$69,637,351$40,742,083$264,135,306
65$441,721,341$72,970,967$42,028,328$289,468,062
66$486,695,828$76,465,454$43,355,187$317,321,345
67$536,255,157$80,128,616$44,723,940$347,949,628
68$590,866,904$83,968,638$46,135,913$381,633,228
69$651,046,330$87,994,104$47,592,468$418,680,935
70$717,361,255$92,214,014$49,095,015$459,432,913
71$790,437,411$96,637,808$50,645,005$504,263,894
72$870,964,351$101,275,386$52,243,938$553,586,698
73$959,701,962$106,137,127$53,893,357$607,856,111
74$1,057,487,637$111,233,921$55,594,859$667,573,162
75$1,165,244,176$116,577,183$57,350,087$733,289,828
76$1,283,988,506$122,178,889$59,160,738$805,614,230
77$1,414,841,274$128,051,595$61,028,564$885,216,349
78$1,559,037,431$134,208,470$62,955,368$972,834,327
79$1,717,937,890$140,663,327$64,943,014$1,069,281,414
80$1,893,042,374$147,430,649$66,993,424$1,175,453,621
81$2,086,003,572$154,525,626$69,108,579$1,292,338,150
82$2,298,642,744$161,964,190$71,290,525$1,421,022,690
83$2,532,966,917$169,763,047$73,541,370$1,562,705,652
84$2,791,187,827$177,939,722$75,863,291$1,718,707,459
85$3,075,742,806$186,512,589$78,258,532$1,890,482,978
86$3,389,317,788$195,500,922$80,729,409$2,079,635,219
87$3,734,872,669$204,924,933$83,278,310$2,287,930,440
88$4,115,669,249$214,805,822$85,907,701$2,517,314,783
89$4,535,302,026$225,165,821$88,620,122$2,769,932,610
90$4,997,732,133$236,028,247$91,418,197$3,048,146,709
91$5,507,324,734$247,417,555$94,304,631$3,354,560,561
92$6,068,890,234$259,359,392$97,282,213$3,692,042,870
93$6,687,729,694$271,880,659$100,353,823$4,063,754,611
94$7,369,684,878$285,009,566$103,522,431$4,473,178,818
95$8,121,193,403$298,775,702$106,791,100$4,924,153,418
96$8,949,349,519$313,210,100$110,162,991$5,420,907,419
97$9,861,971,082$328,345,307$113,641,363$5,968,100,775
98$10,867,673,363$344,215,458$117,229,580$6,570,868,328
99$11,975,950,386$360,856,355$120,931,110$7,234,868,224
100$13,197,264,557$378,305,548$124,749,534$7,966,335,274