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%18.1%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,064,354
2 years$564,154$553,647$543,464$533,591$524,015$488,012
3 years$372,367$361,815$351,657$341,877$332,457$297,658
4 years$276,492$265,972$255,917$246,303$237,111$203,783
5 years$218,982$208,525$198,602$189,185$180,248$148,480
6 years$180,655$170,277$160,500$151,292$142,624$112,442
7 years$153,289$142,998$133,376$124,386$115,992$87,392
8 years$132,774$122,576$113,113$104,344$96,226$69,188
9 years$116,826$106,724$97,425$88,878$81,036$55,528
10 years$104,075$94,072$84,937$76,614$69,047$45,028
11 years$93,649$83,747$74,777$66,677$59,383$36,809
12 years$84,967$75,167$66,363$58,485$51,460$30,281
13 years$77,627$67,929$59,291$51,633$44,874$25,037
14 years$71,341$61,745$53,273$45,834$39,336$20,786
15 years$65,897$56,405$48,098$40,876$34,635$17,314
16 years$61,139$51,751$43,608$36,600$30,610$14,461
17 years$56,945$47,661$39,682$32,885$27,141$12,106
18 years$53,221$44,041$36,224$29,636$24,133$10,152
19 years$49,893$40,816$33,162$26,779$21,510$8,528
20 years$46,902$37,929$30,434$24,253$19,213$7,172
21 years$44,199$35,329$27,994$22,011$17,194$6,038
22 years$41,745$32,978$25,800$20,013$15,412$5,088
23 years$39,507$30,844$23,822$18,226$13,834$4,291
24 years$37,460$28,899$22,031$16,624$12,435$3,621
25 years$35,579$27,120$20,405$15,182$11,189$3,057
26 years$33,845$25,489$18,925$13,881$10,079$2,583
27 years$32,243$23,988$17,574$12,706$9,087$2,182
28 years$30,757$22,603$16,337$11,641$8,199$1,845
29 years$29,377$21,324$15,203$10,675$7,404$1,560
30 years$28,091$20,138$14,161$9,797$6,690$1,319
31 years$26,890$19,037$13,202$8,998$6,048$1,116
32 years$25,767$18,013$12,318$8,269$5,471$944
33 years$24,714$17,059$11,501$7,604$4,951$799
34 years$23,725$16,168$10,746$6,997$4,483$676
35 years$22,794$15,335$10,047$6,441$4,060$572
36 years$21,918$14,555$9,398$5,932$3,679$484
37 years$21,090$13,824$8,797$5,465$3,334$410
38 years$20,308$13,138$8,238$5,038$3,023$347
39 years$19,568$12,493$7,718$4,645$2,741$294
40 years$18,867$11,886$7,234$4,284$2,486$249
41 years$18,201$11,314$6,783$3,953$2,256$210
42 years$17,569$10,775$6,363$3,648$2,047$178
43 years$16,968$10,266$5,971$3,367$1,858$151
44 years$16,396$9,786$5,604$3,109$1,686$128
45 years$15,851$9,332$5,262$2,872$1,531$108
46 years$15,331$8,902$4,943$2,652$1,390$92
47 years$14,835$8,496$4,643$2,451$1,262$77
48 years$14,361$8,110$4,364$2,264$1,146$66
49 years$13,908$7,745$4,101$2,093$1,041$56
50 years$13,474$7,398$3,856$1,934$945$47

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 $3,581 every year, while hoping to spend $27,424 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: 53/27/20 Blend
29$13,800,000$13,800,000$13,800,000$13,800,000
30$15,211,294$14,479,894$14,265,994$15,933,956
31$16,733,667$15,160,230$14,714,726$17,110,990
32$18,410,403$15,872,983$15,177,571$18,387,916
33$20,257,218$16,619,713$15,654,973$19,776,812
34$22,291,430$17,402,055$16,147,391$21,288,352
35$24,532,123$18,221,723$16,655,296$22,934,264
36$27,000,326$19,080,514$17,179,175$24,727,441
37$29,719,213$19,980,312$17,719,530$26,682,054
38$32,714,318$20,923,093$18,276,881$28,813,686
39$36,013,783$21,910,929$18,851,760$31,139,468
40$39,648,615$22,945,991$19,444,721$33,678,241
41$43,652,985$24,030,556$20,056,330$36,450,724
42$48,064,547$25,167,011$20,687,175$39,479,708
43$52,924,796$26,357,859$21,337,860$42,790,261
44$58,279,457$27,605,726$22,009,010$46,409,962
45$64,178,917$28,913,362$22,701,267$50,369,155
46$70,678,703$30,283,654$23,415,297$54,701,222
47$77,840,005$31,719,626$24,151,783$59,442,902
48$85,730,249$33,224,451$24,911,431$64,634,621
49$94,423,740$34,801,456$25,694,970$70,320,870
50$104,002,362$36,454,127$26,503,152$76,550,615
51$114,556,346$38,186,123$27,336,751$83,377,756
52$126,185,128$40,001,277$28,196,566$90,861,619
53$138,998,282$41,903,611$29,083,422$99,067,511
54$153,116,560$43,897,341$29,998,170$108,067,329
55$168,673,026$45,986,887$30,941,685$117,940,224
56$185,814,316$48,176,887$31,914,874$128,773,342
57$204,702,023$50,472,201$32,918,669$140,662,629
58$225,514,217$52,877,927$33,954,032$153,713,735
59$248,447,132$55,399,409$35,021,956$168,042,990
60$273,717,013$58,042,254$36,123,466$183,778,494
61$301,562,163$60,812,339$37,259,616$201,061,313
62$332,245,188$63,715,828$38,431,498$220,046,795
63$366,055,477$66,759,183$39,640,233$240,906,026
64$403,311,936$69,949,184$40,886,981$263,827,424
65$444,365,996$73,292,936$42,172,938$289,018,505
66$489,604,932$76,797,895$43,499,335$316,707,829
67$539,455,518$80,471,874$44,867,446$347,147,133
68$594,388,056$84,323,072$46,278,581$380,613,696
69$654,920,818$88,360,082$47,734,093$417,412,932
70$721,624,934$92,591,919$49,235,378$457,881,258
71$795,129,790$97,028,036$50,783,876$502,389,247
72$876,128,963$101,678,344$52,381,070$551,345,106
73$965,386,773$106,553,239$54,028,492$605,198,504
74$1,063,745,499$111,663,622$55,727,721$664,444,796
75$1,172,133,327$117,020,927$57,480,387$729,629,674
76$1,291,573,115$122,637,141$59,288,169$801,354,293
77$1,423,192,051$128,524,840$61,152,801$880,280,915
78$1,568,232,291$134,697,207$63,076,070$967,139,140
79$1,728,062,686$141,168,072$65,059,820$1,062,732,757
80$1,904,191,709$147,951,936$67,105,953$1,167,947,305
81$2,098,281,691$155,064,009$69,216,431$1,283,758,399
82$2,312,164,518$162,520,240$71,393,275$1,411,240,905
83$2,547,858,923$170,337,356$73,638,574$1,551,579,055
84$2,807,589,546$178,532,899$75,954,480$1,706,077,586
85$3,093,807,937$187,125,269$78,343,212$1,876,174,019
86$3,409,215,698$196,133,758$80,807,061$2,063,452,191
87$3,756,789,990$205,578,603$83,348,388$2,269,657,162
88$4,139,811,641$215,481,026$85,969,631$2,496,711,647
89$4,561,896,115$225,863,283$88,673,300$2,746,734,119
90$5,027,027,651$236,748,717$91,461,989$3,022,058,759
91$5,539,596,876$248,161,808$94,338,369$3,325,257,442
92$6,104,442,252$260,128,232$97,305,200$3,659,163,963
93$6,726,895,762$272,674,915$100,365,323$4,026,900,735
94$7,412,833,241$285,830,098$103,521,674$4,431,908,205
95$8,168,729,858$299,623,399$106,777,276$4,877,977,273
96$9,001,721,241$314,085,882$110,135,252$5,369,285,017
97$9,919,670,844$329,250,127$113,598,819$5,910,434,061
98$10,931,244,188$345,150,302$117,171,298$6,506,495,954
99$12,045,990,672$361,822,243$120,856,113$7,163,058,973
100$13,274,433,724$379,303,536$124,656,796$7,886,280,810