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%19.6%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,065,691
2 years$568,242$557,659$547,403$537,458$527,812$485,287
3 years$375,065$364,436$354,206$344,355$334,866$293,869
4 years$278,495$267,899$257,771$248,088$238,829$199,673
5 years$220,569$210,036$200,041$190,555$181,554$144,338
6 years$181,964$171,510$161,663$152,389$143,658$108,408
7 years$154,399$144,034$134,343$125,287$116,832$83,537
8 years$133,736$123,464$113,933$105,100$96,923$65,550
9 years$117,672$107,498$98,131$89,522$81,624$52,127
10 years$104,829$94,754$85,552$77,169$69,547$41,872
11 years$94,328$84,354$75,319$67,160$59,813$33,897
12 years$85,583$75,711$66,844$58,908$51,833$27,607
13 years$78,190$68,421$59,720$52,007$45,199$22,594
14 years$71,858$62,193$53,659$46,166$39,621$18,562
15 years$66,375$56,814$48,447$41,172$34,886$15,297
16 years$61,582$52,126$43,924$36,865$30,832$12,639
17 years$57,358$48,006$39,969$33,123$27,338$10,464
18 years$53,607$44,360$36,487$29,851$24,308$8,678
19 years$50,255$41,112$33,402$26,973$21,666$7,207
20 years$47,242$38,203$30,655$24,429$19,352$5,992
21 years$44,519$35,585$28,196$22,171$17,318$4,986
22 years$42,047$33,217$25,987$20,158$15,523$4,153
23 years$39,794$31,067$23,995$18,359$13,935$3,461
24 years$37,731$29,108$22,191$16,744$12,525$2,886
25 years$35,836$27,317$20,553$15,292$11,270$2,408
26 years$34,090$25,673$19,062$13,982$10,152$2,009
27 years$32,476$24,161$17,701$12,798$9,153$1,677
28 years$30,980$22,767$16,455$11,726$8,259$1,401
29 years$29,590$21,478$15,313$10,753$7,457$1,170
30 years$28,294$20,284$14,264$9,868$6,738$977
31 years$27,085$19,175$13,297$9,063$6,092$816
32 years$25,954$18,144$12,407$8,329$5,511$682
33 years$24,893$17,182$11,584$7,660$4,987$570
34 years$23,897$16,285$10,824$7,047$4,515$476
35 years$22,960$15,446$10,119$6,488$4,090$398
36 years$22,076$14,660$9,466$5,975$3,705$333
37 years$21,243$13,924$8,860$5,505$3,358$278
38 years$20,455$13,233$8,297$5,074$3,045$233
39 years$19,710$12,583$7,774$4,679$2,761$194
40 years$19,003$11,972$7,286$4,315$2,504$163
41 years$18,333$11,396$6,832$3,981$2,272$136
42 years$17,697$10,853$6,409$3,674$2,062$114
43 years$17,091$10,341$6,014$3,392$1,871$95
44 years$16,515$9,857$5,645$3,132$1,698$79
45 years$15,966$9,400$5,301$2,892$1,542$66
46 years$15,442$8,967$4,978$2,672$1,400$56
47 years$14,943$8,557$4,677$2,468$1,271$46
48 years$14,465$8,169$4,395$2,281$1,154$39
49 years$14,008$7,801$4,131$2,108$1,048$32
50 years$13,571$7,452$3,884$1,948$952$27

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 $2,847 every year, while hoping to spend $34,195 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: 46/29/25 Blend
29$13,900,000$13,900,000$13,900,000$13,900,000
30$15,320,737$14,584,037$14,368,587$15,915,277
31$16,847,069$15,262,271$14,813,551$17,013,032
32$18,527,940$15,972,593$15,272,276$18,199,789
33$20,379,079$16,716,539$15,745,186$19,486,754
34$22,417,814$17,495,718$16,232,718$20,883,315
35$24,663,242$18,311,820$16,735,326$22,399,782
36$27,136,407$19,166,613$17,253,473$24,047,482
37$29,860,496$20,061,953$17,787,640$25,838,857
38$32,861,062$20,999,783$18,338,321$27,787,579
39$36,166,261$21,982,144$18,906,026$29,908,674
40$39,807,122$23,011,171$19,491,280$32,218,657
41$43,817,836$24,089,106$20,094,625$34,735,681
42$48,236,079$25,218,296$20,716,620$37,479,705
43$53,103,372$26,401,205$21,357,839$40,472,672
44$58,465,465$27,640,414$22,018,876$43,738,716
45$64,372,777$28,938,629$22,700,343$47,304,373
46$70,880,866$30,298,687$23,402,869$51,198,835
47$78,050,954$31,723,563$24,127,106$55,454,209
48$85,950,509$33,216,375$24,873,722$60,105,818
49$94,653,877$34,780,393$25,643,407$65,192,522
50$104,242,986$36,419,046$26,436,875$70,757,078
51$114,808,118$38,135,926$27,254,857$76,846,537
52$126,448,762$39,934,803$28,098,111$83,512,673
53$139,274,553$41,819,626$28,967,416$90,812,464
54$153,406,308$43,794,538$29,863,575$98,808,624
55$168,977,164$45,863,882$30,787,416$107,570,177
56$186,133,833$48,032,212$31,739,794$117,173,102
57$205,037,995$50,304,301$32,721,587$127,701,036
58$225,867,814$52,685,155$33,733,704$139,246,052
59$248,819,627$55,180,024$34,777,079$151,909,515
60$274,109,794$57,794,410$35,852,676$165,803,025
61$301,976,740$60,534,083$36,961,488$181,049,459
62$332,683,209$63,405,095$38,104,540$197,784,111
63$366,518,741$66,413,789$39,282,886$216,155,957
64$403,802,405$69,566,816$40,497,615$236,329,045
65$444,885,813$72,871,153$41,749,848$258,484,026
66$490,156,439$76,334,113$43,040,741$282,819,841
67$540,041,275$79,963,364$44,371,485$309,555,584
68$595,010,865$83,766,948$45,743,309$338,932,545
69$655,583,742$87,753,298$47,157,479$371,216,472
70$722,331,328$91,931,254$48,615,299$406,700,058
71$795,883,326$96,310,088$50,118,115$445,705,679
72$876,933,666$100,899,523$51,667,312$488,588,418
73$966,247,053$105,709,753$53,264,320$535,739,392
74$1,064,666,189$110,751,467$54,910,611$587,589,414
75$1,173,119,728$116,035,877$56,607,704$644,613,041
76$1,292,631,042$121,574,737$58,357,164$707,333,021
77$1,424,327,883$127,380,373$60,160,604$776,325,202
78$1,569,453,028$133,465,713$62,019,685$852,223,933
79$1,729,376,015$139,844,311$63,936,123$935,728,029
80$1,905,606,068$146,530,382$65,911,683$1,027,607,325
81$2,099,806,348$153,538,831$67,948,185$1,128,709,917
82$2,313,809,654$160,885,292$70,047,507$1,239,970,127
83$2,549,635,722$168,586,155$72,211,582$1,362,417,288
84$2,809,510,301$176,658,611$74,442,405$1,497,185,419
85$3,095,886,155$185,120,687$76,742,030$1,645,523,894
86$3,411,466,230$193,991,288$79,112,575$1,808,809,186
87$3,759,229,163$203,290,239$81,556,223$1,988,557,821
88$4,142,457,407$213,038,329$84,075,226$2,186,440,649
89$4,564,768,217$223,257,362$86,671,901$2,404,298,559
90$5,030,147,805$233,970,203$89,348,639$2,644,159,817
91$5,542,988,968$245,200,829$92,107,905$2,908,259,150
92$6,108,132,561$256,974,388$94,952,238$3,199,058,791
93$6,730,913,200$269,317,251$97,884,256$3,519,271,664
94$7,417,209,625$282,257,075$100,906,657$3,871,886,929
95$8,173,500,198$295,822,863$104,022,222$4,260,198,141
96$9,006,924,068$310,045,034$107,233,816$4,687,834,271
97$9,925,348,569$324,955,486$110,544,395$5,158,793,896
98$10,937,443,494$340,587,675$113,957,003$5,677,482,873
99$12,052,762,946$356,976,687$117,474,778$6,248,755,853
100$13,281,835,539$374,159,317$121,100,955$6,877,962,029