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

Use the below retirement simulation to view the chances of a successful retirement.
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%18.1%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,072,067
2 years$568,242$557,659$547,403$537,458$527,812$491,548
3 years$375,065$364,436$354,206$344,355$334,866$299,815
4 years$278,495$267,899$257,771$248,088$238,829$205,260
5 years$220,569$210,036$200,041$190,555$181,554$149,556
6 years$181,964$171,510$161,663$152,389$143,658$113,257
7 years$154,399$144,034$134,343$125,287$116,832$88,025
8 years$133,736$123,464$113,933$105,100$96,923$69,689
9 years$117,672$107,498$98,131$89,522$81,624$55,930
10 years$104,829$94,754$85,552$77,169$69,547$45,355
11 years$94,328$84,354$75,319$67,160$59,813$37,076
12 years$85,583$75,711$66,844$58,908$51,833$30,500
13 years$78,190$68,421$59,720$52,007$45,199$25,218
14 years$71,858$62,193$53,659$46,166$39,621$20,936
15 years$66,375$56,814$48,447$41,172$34,886$17,439
16 years$61,582$52,126$43,924$36,865$30,832$14,566
17 years$57,358$48,006$39,969$33,123$27,338$12,193
18 years$53,607$44,360$36,487$29,851$24,308$10,226
19 years$50,255$41,112$33,402$26,973$21,666$8,589
20 years$47,242$38,203$30,655$24,429$19,352$7,224
21 years$44,519$35,585$28,196$22,171$17,318$6,082
22 years$42,047$33,217$25,987$20,158$15,523$5,125
23 years$39,794$31,067$23,995$18,359$13,935$4,322
24 years$37,731$29,108$22,191$16,744$12,525$3,647
25 years$35,836$27,317$20,553$15,292$11,270$3,080
26 years$34,090$25,673$19,062$13,982$10,152$2,601
27 years$32,476$24,161$17,701$12,798$9,153$2,198
28 years$30,980$22,767$16,455$11,726$8,259$1,858
29 years$29,590$21,478$15,313$10,753$7,457$1,571
30 years$28,294$20,284$14,264$9,868$6,738$1,329
31 years$27,085$19,175$13,297$9,063$6,092$1,124
32 years$25,954$18,144$12,407$8,329$5,511$951
33 years$24,893$17,182$11,584$7,660$4,987$804
34 years$23,897$16,285$10,824$7,047$4,515$681
35 years$22,960$15,446$10,119$6,488$4,090$576
36 years$22,076$14,660$9,466$5,975$3,705$488
37 years$21,243$13,924$8,860$5,505$3,358$413
38 years$20,455$13,233$8,297$5,074$3,045$349
39 years$19,710$12,583$7,774$4,679$2,761$296
40 years$19,003$11,972$7,286$4,315$2,504$250
41 years$18,333$11,396$6,832$3,981$2,272$212
42 years$17,697$10,853$6,409$3,674$2,062$179
43 years$17,091$10,341$6,014$3,392$1,871$152
44 years$16,515$9,857$5,645$3,132$1,698$129
45 years$15,966$9,400$5,301$2,892$1,542$109
46 years$15,442$8,967$4,978$2,672$1,400$92
47 years$14,943$8,557$4,677$2,468$1,271$78
48 years$14,465$8,169$4,395$2,281$1,154$66
49 years$14,008$7,801$4,131$2,108$1,048$56
50 years$13,571$7,452$3,884$1,948$952$47

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 $4,744 every year, while hoping to spend $41,783 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: 49/29/22 Blend
29$13,900,000$13,900,000$13,900,000$13,900,000
30$15,322,693$14,585,993$14,370,543$15,978,233
31$16,841,151$15,256,250$14,807,500$17,104,951
32$18,513,092$15,957,949$15,257,694$18,323,690
33$20,354,125$16,692,587$15,721,525$19,646,861
34$22,381,454$17,461,732$16,199,404$21,084,321
35$24,614,034$18,267,029$16,691,756$22,646,905
36$27,072,752$19,110,199$17,199,016$24,346,513
37$29,780,623$19,993,050$17,721,633$26,196,226
38$32,763,011$20,917,473$18,260,072$28,210,420
39$36,047,862$21,885,453$18,814,809$30,404,898
40$39,665,973$22,899,070$19,386,334$32,797,034
41$43,651,280$23,960,502$19,975,154$35,405,931
42$48,041,179$25,072,035$20,581,790$38,252,596
43$52,876,878$26,236,063$21,206,779$41,360,130
44$58,203,786$27,455,097$21,850,673$44,753,944
45$64,071,943$28,731,768$22,514,041$48,461,988
46$70,536,491$30,068,834$23,197,471$52,515,009
47$77,658,192$31,469,186$23,901,565$56,946,836
48$85,504,007$32,935,855$24,626,947$61,794,689
49$94,147,722$34,472,019$25,374,256$67,099,524
50$103,670,649$36,081,007$26,144,153$72,906,411
51$114,162,390$37,766,311$26,937,317$79,264,950
52$125,721,685$39,531,591$27,754,448$86,229,732
53$138,457,342$41,380,684$28,596,267$93,860,841
54$152,489,265$43,317,612$29,463,516$102,224,416
55$167,949,586$45,346,591$30,356,960$111,393,263
56$184,983,913$47,472,043$31,277,387$121,447,531
57$203,752,700$49,698,601$32,225,607$132,475,456
58$224,432,766$52,031,123$33,202,456$144,574,186
59$247,218,964$54,474,704$34,208,795$157,850,681
60$272,326,017$57,034,684$35,245,508$172,422,715
61$299,990,548$59,716,659$36,313,509$188,419,970
62$330,473,309$62,526,501$37,413,737$205,985,246
63$364,061,649$65,470,363$38,547,160$225,275,799
64$401,072,222$68,554,696$39,714,775$246,464,804
65$441,853,977$71,786,263$40,917,608$269,742,978
66$486,791,451$75,172,158$42,156,716$295,320,362
67$536,308,400$78,719,816$43,433,187$323,428,285
68$590,871,802$82,437,032$44,748,144$354,321,533
69$650,996,259$86,331,979$46,102,739$388,280,729
70$717,248,859$90,413,228$47,498,163$425,614,968
71$790,254,531$94,689,764$48,935,640$466,664,711
72$870,701,939$99,171,009$50,416,430$511,804,976
73$959,349,989$103,866,840$51,941,832$561,448,856
74$1,057,034,988$108,787,616$53,513,184$616,051,398
75$1,164,678,542$113,944,195$55,131,861$676,113,867
76$1,283,296,258$119,347,965$56,799,283$742,188,456
77$1,414,007,327$125,010,865$58,516,910$814,883,471
78$1,558,045,093$130,945,416$60,286,244$894,869,044
79$1,716,768,694$137,164,744$62,108,836$982,883,429
80$1,891,675,898$143,682,613$63,986,279$1,079,739,940
81$2,084,417,235$150,513,457$65,920,215$1,186,334,596
82$2,296,811,587$157,672,410$67,912,335$1,303,654,544
83$2,530,863,352$165,175,341$69,964,382$1,432,787,344
84$2,788,781,371$173,038,890$72,078,146$1,574,931,196
85$3,072,999,783$181,280,507$74,255,476$1,731,406,214
86$3,386,200,998$189,918,489$76,498,271$1,903,666,845
87$3,731,341,026$198,972,022$78,808,490$2,093,315,560
88$4,111,677,385$208,461,225$81,188,148$2,302,117,929
89$4,530,799,849$218,407,196$83,639,322$2,532,019,251
90$4,992,664,342$228,832,057$86,164,148$2,785,162,863
91$5,501,630,285$239,759,008$88,764,827$3,063,910,321
92$6,062,501,752$251,212,377$91,443,626$3,370,863,648
93$6,680,572,820$263,217,673$94,202,878$3,708,889,830
94$7,361,677,559$275,801,650$97,044,985$4,081,147,834
95$8,112,245,099$288,992,360$99,972,421$4,491,118,359
96$8,939,360,336$302,819,223$102,987,734$4,942,636,636
97$9,850,830,814$317,313,088$106,093,547$5,439,928,564
98$10,855,260,436$332,506,309$109,292,560$5,987,650,536
99$11,962,130,693$348,432,810$112,587,553$6,590,933,322
100$13,181,890,177$365,128,172$115,981,390$7,255,430,426