Can I retire at age 30 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,080,733
2 years$568,242$557,659$547,403$537,458$527,812$500,108
3 years$375,065$364,436$354,206$344,355$334,866$307,996
4 years$278,495$267,899$257,771$248,088$238,829$213,000
5 years$220,569$210,036$200,041$190,555$181,554$156,838
6 years$181,964$171,510$161,663$152,389$143,658$120,079
7 years$154,399$144,034$134,343$125,287$116,832$94,394
8 years$133,736$123,464$113,933$105,100$96,923$75,615
9 years$117,672$107,498$98,131$89,522$81,624$61,428
10 years$104,829$94,754$85,552$77,169$69,547$50,440
11 years$94,328$84,354$75,319$67,160$59,813$41,766
12 years$85,583$75,711$66,844$58,908$51,833$34,815
13 years$78,190$68,421$59,720$52,007$45,199$29,178
14 years$71,858$62,193$53,659$46,166$39,621$24,561
15 years$66,375$56,814$48,447$41,172$34,886$20,748
16 years$61,582$52,126$43,924$36,865$30,832$17,581
17 years$57,358$48,006$39,969$33,123$27,338$14,933
18 years$53,607$44,360$36,487$29,851$24,308$12,711
19 years$50,255$41,112$33,402$26,973$21,666$10,839
20 years$47,242$38,203$30,655$24,429$19,352$9,256
21 years$44,519$35,585$28,196$22,171$17,318$7,914
22 years$42,047$33,217$25,987$20,158$15,523$6,774
23 years$39,794$31,067$23,995$18,359$13,935$5,803
24 years$37,731$29,108$22,191$16,744$12,525$4,975
25 years$35,836$27,317$20,553$15,292$11,270$4,268
26 years$34,090$25,673$19,062$13,982$10,152$3,664
27 years$32,476$24,161$17,701$12,798$9,153$3,147
28 years$30,980$22,767$16,455$11,726$8,259$2,704
29 years$29,590$21,478$15,313$10,753$7,457$2,324
30 years$28,294$20,284$14,264$9,868$6,738$1,998
31 years$27,085$19,175$13,297$9,063$6,092$1,718
32 years$25,954$18,144$12,407$8,329$5,511$1,478
33 years$24,893$17,182$11,584$7,660$4,987$1,271
34 years$23,897$16,285$10,824$7,047$4,515$1,094
35 years$22,960$15,446$10,119$6,488$4,090$941
36 years$22,076$14,660$9,466$5,975$3,705$810
37 years$21,243$13,924$8,860$5,505$3,358$697
38 years$20,455$13,233$8,297$5,074$3,045$600
39 years$19,710$12,583$7,774$4,679$2,761$517
40 years$19,003$11,972$7,286$4,315$2,504$445
41 years$18,333$11,396$6,832$3,981$2,272$383
42 years$17,697$10,853$6,409$3,674$2,062$330
43 years$17,091$10,341$6,014$3,392$1,871$284
44 years$16,515$9,857$5,645$3,132$1,698$245
45 years$15,966$9,400$5,301$2,892$1,542$211
46 years$15,442$8,967$4,978$2,672$1,400$181
47 years$14,943$8,557$4,677$2,468$1,271$156
48 years$14,465$8,169$4,395$2,281$1,154$135
49 years$14,008$7,801$4,131$2,108$1,048$116
50 years$13,571$7,452$3,884$1,948$952$100

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,900,000, adding $3,334 every year, while hoping to spend $20,624 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: 51/39/10 Blend
29$13,900,000$13,900,000$13,900,000$13,900,000
30$15,321,239$14,584,539$14,369,089$16,062,313
31$16,862,062$15,277,238$14,828,510$17,261,047
32$18,559,357$16,003,187$15,302,630$18,561,006
33$20,429,063$16,763,995$15,791,920$19,973,694
34$22,488,744$17,561,348$16,296,866$21,509,722
35$24,757,754$18,397,012$16,817,969$23,180,742
36$27,257,420$19,272,841$17,355,746$24,999,552
37$30,011,245$20,190,778$17,910,732$26,980,212
38$33,045,128$21,152,862$18,483,477$29,138,168
39$36,387,608$22,161,229$19,074,550$31,490,393
40$40,070,135$23,218,120$19,684,538$34,055,540
41$44,127,366$24,325,885$20,314,047$36,854,110
42$48,597,492$25,486,988$20,963,703$39,908,641
43$53,522,598$26,704,012$21,634,149$43,243,910
44$58,949,062$27,979,668$22,326,052$46,887,158
45$64,927,992$29,316,797$23,040,100$50,868,342
46$71,515,705$30,718,378$23,777,001$55,220,407
47$78,774,264$32,187,536$24,537,488$59,979,588
48$86,772,060$33,727,547$25,322,315$65,185,740
49$95,584,461$35,341,847$26,132,264$70,882,708
50$105,294,519$37,034,040$26,968,137$77,118,725
51$115,993,756$38,807,905$27,830,766$83,946,862
52$127,783,031$40,667,404$28,721,008$91,425,511
53$140,773,485$42,616,692$29,639,748$99,618,931
54$155,087,599$44,660,128$30,587,897$108,597,832
55$170,860,341$46,802,281$31,566,399$118,440,038
56$188,240,449$49,047,945$32,576,226$129,231,204
57$207,391,826$51,402,146$33,618,381$141,065,606
58$228,495,095$53,870,154$34,693,900$154,047,023
59$251,749,301$56,457,498$35,803,852$168,289,692
60$277,373,789$59,169,975$36,949,340$183,919,377
61$305,610,275$62,013,663$38,131,502$201,074,531
62$336,725,130$64,994,940$39,351,515$219,907,591
63$371,011,893$68,120,491$40,610,590$240,586,392
64$408,794,040$71,397,330$41,909,979$263,295,733
65$450,428,043$74,832,810$43,250,974$288,239,099
66$496,306,730$78,434,644$44,634,909$315,640,563
67$546,862,997$82,210,922$46,063,158$345,746,871
68$602,573,892$86,170,126$47,537,143$378,829,752
69$663,965,120$90,321,154$49,058,329$415,188,453
70$731,616,007$94,673,335$50,628,228$455,152,543
71$806,164,968$99,236,457$52,248,402$499,084,986
72$888,315,533$104,020,782$53,920,461$547,385,547
73$978,842,991$109,037,073$55,646,070$600,494,528
74$1,078,601,706$114,296,620$57,426,943$658,896,897
75$1,188,533,187$119,811,261$59,264,853$723,126,826
76$1,309,674,973$125,593,414$61,161,627$793,772,703
77$1,443,170,431$131,656,102$63,119,152$871,482,645
78$1,590,279,547$138,012,983$65,139,375$956,970,578
79$1,752,390,823$144,678,381$67,224,306$1,051,022,937
80$1,931,034,386$151,667,321$69,376,020$1,154,506,046
81$2,127,896,434$158,995,560$71,596,657$1,268,374,247
82$2,344,835,151$166,679,623$73,888,425$1,393,678,869
83$2,583,898,255$174,736,844$76,253,607$1,531,578,097
84$2,847,342,329$183,185,401$78,694,554$1,683,347,854
85$3,137,654,121$192,044,361$81,213,697$1,850,393,797
86$3,457,574,027$201,333,720$83,813,541$2,034,264,521
87$3,810,121,958$211,074,452$86,496,675$2,236,666,125
88$4,198,625,852$221,288,554$89,265,768$2,459,478,253
89$4,626,753,094$231,999,099$92,123,576$2,704,771,772
90$5,098,545,138$243,230,283$95,072,944$2,974,828,255
91$5,618,455,662$255,007,487$98,116,808$3,272,161,444
92$6,191,392,616$267,357,329$101,258,197$3,599,540,908
93$6,822,764,554$280,307,731$104,500,238$3,960,018,110
94$7,518,531,703$293,887,973$107,846,160$4,356,955,129
95$8,285,262,222$308,128,770$111,299,293$4,794,056,313
96$9,130,194,224$323,062,335$114,863,074$5,275,403,159
97$10,061,304,101$338,722,455$118,541,053$5,805,492,749
98$11,087,381,832$355,144,569$122,336,891$6,389,280,105
99$12,218,113,971$372,365,844$126,254,369$7,032,224,860
100$13,464,175,092$390,425,266$130,297,386$7,740,342,691