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%14.5%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,087,806
2 years$568,242$557,659$547,403$537,458$527,812$507,136
3 years$375,065$364,436$354,206$344,355$334,866$314,757
4 years$278,495$267,899$257,771$248,088$238,829$219,442
5 years$220,569$210,036$200,041$190,555$181,554$162,944
6 years$181,964$171,510$161,663$152,389$143,658$125,846
7 years$154,399$144,034$134,343$125,287$116,832$99,823
8 years$133,736$123,464$113,933$105,100$96,923$80,713
9 years$117,672$107,498$98,131$89,522$81,624$66,202
10 years$104,829$94,754$85,552$77,169$69,547$54,900
11 years$94,328$84,354$75,319$67,160$59,813$45,924
12 years$85,583$75,711$66,844$58,908$51,833$38,682
13 years$78,190$68,421$59,720$52,007$45,199$32,766
14 years$71,858$62,193$53,659$46,166$39,621$27,883
15 years$66,375$56,814$48,447$41,172$34,886$23,819
16 years$61,582$52,126$43,924$36,865$30,832$20,412
17 years$57,358$48,006$39,969$33,123$27,338$17,540
18 years$53,607$44,360$36,487$29,851$24,308$15,106
19 years$50,255$41,112$33,402$26,973$21,666$13,035
20 years$47,242$38,203$30,655$24,429$19,352$11,266
21 years$44,519$35,585$28,196$22,171$17,318$9,751
22 years$42,047$33,217$25,987$20,158$15,523$8,450
23 years$39,794$31,067$23,995$18,359$13,935$7,330
24 years$37,731$29,108$22,191$16,744$12,525$6,365
25 years$35,836$27,317$20,553$15,292$11,270$5,530
26 years$34,090$25,673$19,062$13,982$10,152$4,809
27 years$32,476$24,161$17,701$12,798$9,153$4,184
28 years$30,980$22,767$16,455$11,726$8,259$3,641
29 years$29,590$21,478$15,313$10,753$7,457$3,171
30 years$28,294$20,284$14,264$9,868$6,738$2,762
31 years$27,085$19,175$13,297$9,063$6,092$2,407
32 years$25,954$18,144$12,407$8,329$5,511$2,098
33 years$24,893$17,182$11,584$7,660$4,987$1,830
34 years$23,897$16,285$10,824$7,047$4,515$1,596
35 years$22,960$15,446$10,119$6,488$4,090$1,392
36 years$22,076$14,660$9,466$5,975$3,705$1,214
37 years$21,243$13,924$8,860$5,505$3,358$1,059
38 years$20,455$13,233$8,297$5,074$3,045$924
39 years$19,710$12,583$7,774$4,679$2,761$807
40 years$19,003$11,972$7,286$4,315$2,504$704
41 years$18,333$11,396$6,832$3,981$2,272$615
42 years$17,697$10,853$6,409$3,674$2,062$536
43 years$17,091$10,341$6,014$3,392$1,871$468
44 years$16,515$9,857$5,645$3,132$1,698$409
45 years$15,966$9,400$5,301$2,892$1,542$357
46 years$15,442$8,967$4,978$2,672$1,400$312
47 years$14,943$8,557$4,677$2,468$1,271$272
48 years$14,465$8,169$4,395$2,281$1,154$238
49 years$14,008$7,801$4,131$2,108$1,048$208
50 years$13,571$7,452$3,884$1,948$952$181

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 $6,861 every year, while hoping to spend $29,866 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: 43/43/14 Blend
29$13,900,000$13,900,000$13,900,000$13,900,000
30$15,324,877$14,588,177$14,372,727$15,921,233
31$16,856,237$15,271,221$14,822,436$17,022,757
32$18,542,795$15,986,732$15,286,210$18,211,868
33$20,400,350$16,736,271$15,764,487$19,499,457
34$22,446,310$17,521,473$16,257,722$20,894,577
35$24,699,859$18,344,051$16,766,381$22,407,158
36$27,182,137$19,205,802$17,290,947$24,048,099
37$29,916,439$20,108,610$17,831,918$25,829,359
38$32,928,434$21,054,450$18,389,805$27,764,068
39$36,246,408$22,045,392$18,965,137$29,866,639
40$39,901,533$23,083,607$19,558,461$32,152,902
41$43,928,157$24,171,372$20,170,337$34,640,240
42$48,364,133$25,311,073$20,801,347$37,347,752
43$53,251,169$26,505,210$21,452,087$40,296,417
44$58,635,232$27,756,409$22,123,175$43,509,287
45$64,566,970$29,067,417$22,815,246$47,011,698
46$71,102,200$30,441,120$23,528,957$50,831,492
47$78,302,431$31,880,541$24,264,982$54,999,279
48$86,235,440$33,388,849$25,024,021$59,548,708
49$94,975,921$34,969,368$25,806,791$64,516,774
50$104,606,181$36,625,584$26,614,035$69,944,160
51$115,216,923$38,361,149$27,446,517$75,875,605
52$126,908,100$40,179,896$28,305,026$82,360,315
53$139,789,857$42,085,842$29,190,375$89,452,414
54$153,983,573$44,083,198$30,103,403$97,211,440
55$169,623,005$46,176,383$31,044,974$105,702,892
56$186,855,551$48,370,026$32,015,981$114,998,835
57$205,843,645$50,668,984$33,017,344$125,178,563
58$226,766,281$53,078,349$34,050,010$136,329,328
59$249,820,714$55,603,461$35,114,958$148,547,152
60$275,224,314$58,249,917$36,213,196$161,937,709
61$303,216,621$61,023,590$37,345,764$176,617,307
62$334,061,605$63,930,634$38,513,736$192,713,962
63$368,050,159$66,977,505$39,718,216$210,368,589
64$405,502,845$70,170,973$40,960,346$229,736,308
65$446,772,919$73,518,135$42,241,302$250,987,885
66$492,249,668$77,026,435$43,562,297$274,311,321
67$542,362,081$80,703,677$44,924,581$299,913,598
68$597,582,904$84,558,047$46,329,445$328,022,610
69$658,433,097$88,598,128$47,778,218$358,889,284
70$725,486,756$92,832,921$49,272,272$392,789,920
71$799,376,534$97,271,862$50,813,021$430,028,769
72$880,799,608$101,924,851$52,401,925$470,940,870
73$970,524,266$106,802,266$54,040,487$515,895,184
74$1,069,397,156$111,914,993$55,730,259$565,298,038
75$1,178,351,283$117,274,444$57,472,839$619,596,927
76$1,298,414,812$122,892,591$59,269,878$679,284,695
77$1,430,720,780$128,781,985$61,123,076$744,904,150
78$1,576,517,788$134,955,790$63,034,188$817,053,148
79$1,737,181,791$141,427,812$65,005,021$896,390,187
80$1,914,229,086$148,212,528$67,037,442$983,640,580
81$2,109,330,631$155,325,119$69,133,374$1,079,603,253
82$2,324,327,813$162,781,508$71,294,800$1,185,158,236
83$2,561,249,840$170,598,392$73,523,766$1,301,274,918
84$2,822,332,892$178,793,282$75,822,381$1,429,021,138
85$3,110,041,236$187,384,542$78,192,820$1,569,573,213
86$3,427,090,488$196,391,431$80,637,325$1,724,226,976
87$3,776,473,253$205,834,146$83,158,211$1,894,409,949
88$4,161,487,376$215,733,869$85,757,861$2,081,694,749
89$4,585,767,075$226,112,816$88,438,737$2,287,813,863
90$5,053,317,255$236,994,282$91,203,373$2,514,675,930
91$5,568,551,315$248,402,702$94,054,385$2,764,383,685
92$6,136,332,813$260,363,698$96,994,471$3,039,253,721
93$6,762,021,385$272,904,145$100,026,412$3,341,838,282
94$7,451,523,345$286,052,227$103,153,075$3,674,949,259
95$8,211,347,442$299,837,501$106,377,419$4,041,684,651
96$9,048,666,311$314,290,969$109,702,492$4,445,457,709
97$9,971,384,190$329,445,142$113,131,441$4,890,029,053
98$10,988,211,541$345,334,117$116,667,508$5,379,542,075
99$12,108,747,286$361,993,657$120,314,037$5,918,561,934
100$13,343,569,429$379,461,266$124,074,477$6,512,118,542