Can I retire at age 30 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,087,131
2 years$564,154$553,647$543,464$533,591$524,015$510,630
3 years$372,367$361,815$351,657$341,877$332,457$319,402
4 years$276,492$265,972$255,917$246,303$237,111$224,488
5 years$218,982$208,525$198,602$189,185$180,248$168,093
6 years$180,655$170,277$160,500$151,292$142,624$130,953
7 years$153,289$142,998$133,376$124,386$115,992$104,808
8 years$132,774$122,576$113,113$104,344$96,226$85,529
9 years$116,826$106,724$97,425$88,878$81,036$70,821
10 years$104,075$94,072$84,937$76,614$69,047$59,307
11 years$93,649$83,747$74,777$66,677$59,383$50,109
12 years$84,967$75,167$66,363$58,485$51,460$42,643
13 years$77,627$67,929$59,291$51,633$44,874$36,502
14 years$71,341$61,745$53,273$45,834$39,336$31,398
15 years$65,897$56,405$48,098$40,876$34,635$27,116
16 years$61,139$51,751$43,608$36,600$30,610$23,499
17 years$56,945$47,661$39,682$32,885$27,141$20,423
18 years$53,221$44,041$36,224$29,636$24,133$17,793
19 years$49,893$40,816$33,162$26,779$21,510$15,535
20 years$46,902$37,929$30,434$24,253$19,213$13,588
21 years$44,199$35,329$27,994$22,011$17,194$11,904
22 years$41,745$32,978$25,800$20,013$15,412$10,442
23 years$39,507$30,844$23,822$18,226$13,834$9,171
24 years$37,460$28,899$22,031$16,624$12,435$8,063
25 years$35,579$27,120$20,405$15,182$11,189$7,095
26 years$33,845$25,489$18,925$13,881$10,079$6,248
27 years$32,243$23,988$17,574$12,706$9,087$5,506
28 years$30,757$22,603$16,337$11,641$8,199$4,855
29 years$29,377$21,324$15,203$10,675$7,404$4,284
30 years$28,091$20,138$14,161$9,797$6,690$3,781
31 years$26,890$19,037$13,202$8,998$6,048$3,339
32 years$25,767$18,013$12,318$8,269$5,471$2,949
33 years$24,714$17,059$11,501$7,604$4,951$2,606
34 years$23,725$16,168$10,746$6,997$4,483$2,303
35 years$22,794$15,335$10,047$6,441$4,060$2,036
36 years$21,918$14,555$9,398$5,932$3,679$1,801
37 years$21,090$13,824$8,797$5,465$3,334$1,593
38 years$20,308$13,138$8,238$5,038$3,023$1,409
39 years$19,568$12,493$7,718$4,645$2,741$1,246
40 years$18,867$11,886$7,234$4,284$2,486$1,103
41 years$18,201$11,314$6,783$3,953$2,256$976
42 years$17,569$10,775$6,363$3,648$2,047$864
43 years$16,968$10,266$5,971$3,367$1,858$765
44 years$16,396$9,786$5,604$3,109$1,686$677
45 years$15,851$9,332$5,262$2,872$1,531$599
46 years$15,331$8,902$4,943$2,652$1,390$530
47 years$14,835$8,496$4,643$2,451$1,262$470
48 years$14,361$8,110$4,364$2,264$1,146$416
49 years$13,908$7,745$4,101$2,093$1,041$368
50 years$13,474$7,398$3,856$1,934$945$326

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,800,000, adding $2,784 every year, while hoping to spend $55,316 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: 67/9/24 Blend
29$13,800,000$13,800,000$13,800,000$13,800,000
30$15,210,472$14,479,072$14,265,172$16,135,570
31$16,703,084$15,129,690$14,684,199$17,407,973
32$18,346,089$15,810,335$15,115,410$18,792,436
33$20,154,768$16,522,420$15,559,154$20,305,305
34$22,145,959$17,267,424$16,015,791$21,959,241
35$24,338,218$18,046,898$16,485,691$23,768,181
36$26,751,988$18,862,468$16,969,233$25,747,469
37$29,409,797$19,715,835$17,466,809$27,913,997
38$32,336,470$20,608,785$17,978,821$30,286,359
39$35,559,360$21,543,186$18,505,682$32,885,034
40$39,108,609$22,520,996$19,047,816$35,732,564
41$43,017,431$23,544,268$19,605,661$38,853,776
42$47,322,424$24,615,152$20,179,666$42,276,007
43$52,063,919$25,735,902$20,770,292$46,029,362
44$57,286,356$26,908,879$21,378,015$50,146,994
45$63,038,707$28,136,557$22,003,321$54,665,415
46$69,374,936$29,421,529$22,646,713$59,624,839
47$76,354,508$30,766,513$23,308,707$65,069,556
48$84,042,952$32,174,356$23,989,832$71,048,348
49$92,512,476$33,648,042$24,690,634$77,614,948
50$101,842,651$35,190,699$25,411,673$84,828,540
51$112,121,162$36,805,603$26,153,525$92,754,318
52$123,444,634$38,496,191$26,916,781$101,464,095
53$135,919,543$40,266,062$27,702,051$111,036,979
54$149,663,226$42,118,988$28,509,959$121,560,114
55$164,804,981$44,058,925$29,341,148$133,129,501
56$181,487,292$46,090,015$30,196,280$145,850,896
57$199,867,174$48,216,603$31,076,033$159,840,808
58$220,117,651$50,443,242$31,981,105$175,227,591
59$242,429,393$52,774,703$32,912,214$192,152,655
60$267,012,515$55,215,987$33,870,097$210,771,789
61$294,098,558$57,772,337$34,855,512$231,256,633
62$323,942,677$60,449,247$35,869,237$253,796,291
63$356,826,046$63,252,477$36,912,073$278,599,108
64$393,058,518$66,188,064$37,984,843$305,894,634
65$432,981,543$69,262,335$39,088,391$335,935,783
66$476,971,395$72,481,923$40,223,586$369,001,215
67$525,442,722$75,853,782$41,391,321$405,397,960
68$578,852,462$79,385,200$42,592,513$445,464,310
69$637,704,154$83,083,816$43,828,104$489,573,003
70$702,552,695$86,957,641$45,099,063$538,134,738
71$774,009,573$91,015,068$46,406,384$591,602,041
72$852,748,642$95,264,899$47,751,090$650,473,530
73$939,512,484$99,716,359$49,134,232$715,298,617
74$1,035,119,418$104,379,121$50,556,889$786,682,678
75$1,140,471,223$109,263,323$52,020,170$865,292,768
76$1,256,561,656$114,379,594$53,525,214$951,863,903
77$1,384,485,828$119,739,077$55,073,191$1,047,205,990
78$1,525,450,544$125,353,453$56,665,305$1,152,211,463
79$1,680,785,696$131,234,969$58,302,790$1,267,863,699
80$1,851,956,819$137,396,465$59,986,915$1,395,246,286
81$2,040,578,923$143,851,399$61,718,984$1,535,553,248
82$2,248,431,739$150,613,884$63,500,337$1,690,100,296
83$2,477,476,527$157,698,715$65,332,349$1,860,337,244
84$2,729,874,583$165,121,402$67,216,432$2,047,861,680
85$3,008,007,647$172,898,208$69,154,040$2,254,434,034
86$3,314,500,388$181,046,181$71,146,661$2,481,994,184
87$3,652,245,182$189,583,198$73,195,828$2,732,679,754
88$4,024,429,416$198,528,000$75,303,114$3,008,846,282
89$4,434,565,581$207,900,237$77,470,133$3,313,089,436
90$4,886,524,433$217,720,510$79,698,545$3,648,269,507
91$5,384,571,532$228,010,422$81,990,053$4,017,538,392
92$5,933,407,515$238,792,621$84,346,407$4,424,369,332
93$6,538,212,475$250,090,852$86,769,404$4,872,589,686
94$7,204,694,858$261,930,014$89,260,890$5,366,417,036
95$7,939,145,362$274,336,214$91,822,759$5,910,498,994
96$8,748,496,324$287,336,824$94,456,957$6,509,957,047
97$9,640,387,166$300,960,544$97,165,481$7,170,434,894
98$10,623,236,516$315,237,470$99,950,384$7,898,151,695
99$11,706,321,691$330,199,156$102,813,772$8,699,960,767
100$12,899,866,277$345,878,689$105,757,807$9,583,414,254