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%14.3%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,080,867
2 years$564,154$553,647$543,464$533,591$524,015$504,371
3 years$372,367$361,815$351,657$341,877$332,457$313,345
4 years$276,492$265,972$255,917$246,303$237,111$218,679
5 years$218,982$208,525$198,602$189,185$180,248$162,548
6 years$180,655$170,277$160,500$151,292$142,624$125,676
7 years$153,289$142,998$133,376$124,386$115,992$99,801
8 years$132,774$122,576$113,113$104,344$96,226$80,788
9 years$116,826$106,724$97,425$88,878$81,036$66,343
10 years$104,075$94,072$84,937$76,614$69,047$55,085
11 years$93,649$83,747$74,777$66,677$59,383$46,136
12 years$84,967$75,167$66,363$58,485$51,460$38,911
13 years$77,627$67,929$59,291$51,633$44,874$33,003
14 years$71,341$61,745$53,273$45,834$39,336$28,123
15 years$65,897$56,405$48,098$40,876$34,635$24,057
16 years$61,139$51,751$43,608$36,600$30,610$20,645
17 years$56,945$47,661$39,682$32,885$27,141$17,765
18 years$53,221$44,041$36,224$29,636$24,133$15,322
19 years$49,893$40,816$33,162$26,779$21,510$13,241
20 years$46,902$37,929$30,434$24,253$19,213$11,462
21 years$44,199$35,329$27,994$22,011$17,194$9,936
22 years$41,745$32,978$25,800$20,013$15,412$8,623
23 years$39,507$30,844$23,822$18,226$13,834$7,492
24 years$37,460$28,899$22,031$16,624$12,435$6,515
25 years$35,579$27,120$20,405$15,182$11,189$5,670
26 years$33,845$25,489$18,925$13,881$10,079$4,938
27 years$32,243$23,988$17,574$12,706$9,087$4,303
28 years$30,757$22,603$16,337$11,641$8,199$3,752
29 years$29,377$21,324$15,203$10,675$7,404$3,272
30 years$28,091$20,138$14,161$9,797$6,690$2,855
31 years$26,890$19,037$13,202$8,998$6,048$2,492
32 years$25,767$18,013$12,318$8,269$5,471$2,176
33 years$24,714$17,059$11,501$7,604$4,951$1,901
34 years$23,725$16,168$10,746$6,997$4,483$1,660
35 years$22,794$15,335$10,047$6,441$4,060$1,451
36 years$21,918$14,555$9,398$5,932$3,679$1,268
37 years$21,090$13,824$8,797$5,465$3,334$1,108
38 years$20,308$13,138$8,238$5,038$3,023$968
39 years$19,568$12,493$7,718$4,645$2,741$847
40 years$18,867$11,886$7,234$4,284$2,486$740
41 years$18,201$11,314$6,783$3,953$2,256$647
42 years$17,569$10,775$6,363$3,648$2,047$566
43 years$16,968$10,266$5,971$3,367$1,858$495
44 years$16,396$9,786$5,604$3,109$1,686$433
45 years$15,851$9,332$5,262$2,872$1,531$379
46 years$15,331$8,902$4,943$2,652$1,390$331
47 years$14,835$8,496$4,643$2,451$1,262$290
48 years$14,361$8,110$4,364$2,264$1,146$253
49 years$13,908$7,745$4,101$2,093$1,041$222
50 years$13,474$7,398$3,856$1,934$945$194

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 $4,642 every year, while hoping to spend $33,074 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: 40/37/23 Blend
29$13,800,000$13,800,000$13,800,000$13,800,000
30$15,212,388$14,480,988$14,267,088$15,717,166
31$16,728,861$15,155,366$14,709,845$16,755,283
32$18,398,906$15,861,680$15,166,326$17,874,162
33$20,238,152$16,601,460$15,636,956$19,083,980
34$22,263,822$17,376,310$16,122,172$20,393,054
35$24,494,893$18,187,911$16,622,426$21,810,511
36$26,952,279$19,038,025$17,138,184$23,346,364
37$29,659,024$19,928,500$17,669,925$25,011,601
38$32,640,521$20,861,274$18,218,145$26,818,286
39$35,924,754$21,838,376$18,783,353$28,779,663
40$39,542,558$22,861,935$19,366,074$30,910,275
41$43,527,913$23,934,184$19,966,851$33,226,097
42$47,918,262$25,057,461$20,586,243$35,744,673
43$52,754,868$26,234,220$21,224,825$38,485,282
44$58,083,199$27,467,031$21,883,191$41,469,106
45$63,953,361$28,758,591$22,561,954$44,719,422
46$70,420,568$30,111,727$23,261,743$48,261,817
47$77,545,665$31,529,400$23,983,211$52,124,416
48$85,395,702$33,014,720$24,727,027$56,338,139
49$94,044,564$34,570,941$25,493,883$60,936,985
50$103,573,673$36,201,481$26,284,492$65,958,338
51$114,072,752$37,909,919$27,099,587$71,443,314
52$125,640,677$39,700,008$27,939,927$77,437,133
53$138,386,404$41,575,687$28,806,292$83,989,537
54$152,430,001$43,541,080$29,699,488$91,155,246
55$167,903,784$45,600,515$30,620,343$98,994,461
56$184,953,559$47,758,529$31,569,714$107,573,417
57$203,740,004$50,019,879$32,548,481$116,964,998
58$224,440,184$52,389,553$33,557,554$127,249,406
59$247,249,221$54,872,779$34,597,871$138,514,903
60$272,382,138$57,475,042$35,670,396$150,858,630
61$300,075,888$60,202,091$36,776,126$164,387,504
62$330,591,590$63,059,954$37,916,088$179,219,209
63$364,216,994$66,054,954$39,091,338$195,483,293
64$401,269,198$69,193,718$40,302,969$213,322,363
65$442,097,643$72,483,197$41,552,106$232,893,418
66$487,087,407$75,930,678$42,839,906$254,369,306
67$536,662,845$79,543,804$44,167,565$277,940,332
68$591,291,592$83,330,587$45,536,315$303,816,032
69$651,488,980$87,299,431$46,947,427$332,227,128
70$717,822,898$91,459,145$48,402,208$363,427,679
71$790,919,161$95,818,970$49,902,009$397,697,448
72$871,467,409$100,388,594$51,448,221$435,344,521
73$960,227,626$105,178,176$53,042,277$476,708,184
74$1,058,037,306$110,198,369$54,685,656$522,162,090
75$1,165,819,368$115,460,346$56,379,882$572,117,760
76$1,284,590,861$120,975,820$58,126,525$627,028,430
77$1,415,472,571$126,757,077$59,927,206$687,393,296
78$1,559,699,598$132,817,000$61,783,592$753,762,187
79$1,718,633,021$139,169,096$63,697,406$826,740,719
80$1,893,772,740$145,827,533$65,670,421$906,995,970
81$2,086,771,644$152,807,166$67,704,464$995,262,732
82$2,299,451,210$160,123,576$69,801,422$1,092,350,408
83$2,533,818,701$167,793,098$71,963,237$1,199,150,603
84$2,792,086,115$175,832,867$74,191,912$1,316,645,492
85$3,076,691,069$184,260,848$76,489,511$1,445,917,041
86$3,390,319,812$193,095,883$78,858,164$1,588,157,168
87$3,735,932,584$202,357,732$81,300,063$1,744,678,938
88$4,116,791,563$212,067,117$83,817,471$1,916,928,899
89$4,536,491,665$222,245,768$86,412,718$2,106,500,680
90$4,998,994,478$232,916,474$89,088,208$2,315,149,965
91$5,508,665,670$244,103,136$91,846,418$2,544,811,006
92$6,070,316,197$255,830,818$94,689,902$2,797,614,809
93$6,689,247,726$268,125,805$97,621,290$3,075,909,176
94$7,371,302,688$281,015,664$100,643,298$3,382,280,795
95$8,122,919,435$294,529,304$103,758,721$3,719,579,579
96$8,951,193,022$308,697,045$106,970,443$4,090,945,482
97$9,863,942,192$323,550,682$110,281,435$4,499,838,052
98$10,869,783,194$339,123,564$113,694,761$4,950,069,005
99$11,978,211,123$355,450,662$117,213,579$5,445,838,103
100$13,199,689,567$372,568,654$120,841,144$5,991,772,707