Can I retire at age 30 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,107,095
2 years$576,418$565,683$555,279$545,191$535,407$518,060
3 years$380,462$369,680$359,302$349,309$339,684$322,790
4 years$282,503$271,754$261,480$251,658$242,265$225,954
5 years$223,742$213,058$202,919$193,297$184,166$168,485
6 years$184,582$173,978$163,989$154,581$145,725$130,691
7 years$156,621$146,107$136,275$127,090$118,513$104,132
8 years$135,660$125,240$115,572$106,613$98,318$84,587
9 years$119,365$109,044$99,543$90,810$82,798$69,711
10 years$106,337$96,117$86,783$78,279$70,548$58,094
11 years$95,685$85,567$76,403$68,126$60,674$48,840
12 years$86,815$76,801$67,805$59,756$52,579$41,351
13 years$79,315$69,405$60,580$52,756$45,849$35,212
14 years$72,892$63,088$54,431$46,831$40,191$30,126
15 years$67,330$57,632$49,144$41,765$35,388$25,877
16 years$62,468$52,876$44,556$37,396$31,276$22,300
17 years$58,183$48,697$40,544$33,600$27,731$19,272
18 years$54,378$44,998$37,012$30,280$24,657$16,694
19 years$50,978$41,704$33,883$27,361$21,978$14,491
20 years$47,921$38,753$31,096$24,780$19,631$12,599
21 years$45,160$36,097$28,602$22,490$17,567$10,972
22 years$42,652$33,695$26,361$20,448$15,747$9,566
23 years$40,366$31,514$24,340$18,623$14,135$8,350
24 years$38,274$29,527$22,510$16,985$12,705$7,296
25 years$36,352$27,710$20,849$15,512$11,433$6,380
26 years$34,581$26,043$19,336$14,183$10,298$5,583
27 years$32,943$24,509$17,956$12,982$9,285$4,888
28 years$31,426$23,095$16,692$11,894$8,378$4,283
29 years$30,015$21,787$15,533$10,907$7,565$3,754
30 years$28,702$20,576$14,469$10,010$6,835$3,292
31 years$27,475$19,451$13,489$9,194$6,180$2,887
32 years$26,327$18,405$12,585$8,449$5,590$2,534
33 years$25,251$17,429$11,751$7,770$5,059$2,224
34 years$24,241$16,519$10,979$7,149$4,580$1,953
35 years$23,290$15,668$10,265$6,581$4,149$1,715
36 years$22,394$14,871$9,603$6,061$3,759$1,506
37 years$21,549$14,124$8,988$5,584$3,407$1,323
38 years$20,750$13,423$8,417$5,147$3,089$1,162
39 years$19,993$12,764$7,886$4,746$2,801$1,021
40 years$19,277$12,144$7,391$4,377$2,540$898
41 years$18,597$11,560$6,931$4,039$2,305$789
42 years$17,951$11,009$6,501$3,727$2,091$693
43 years$17,337$10,490$6,100$3,441$1,898$609
44 years$16,753$9,999$5,726$3,177$1,723$536
45 years$16,196$9,535$5,377$2,934$1,564$471
46 years$15,665$9,096$5,050$2,710$1,420$414
47 years$15,158$8,680$4,744$2,504$1,289$364
48 years$14,673$8,286$4,458$2,314$1,171$320
49 years$14,210$7,913$4,191$2,138$1,064$281
50 years$13,767$7,559$3,940$1,976$966$248

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $14,100,000, adding $4,691 every year, while hoping to spend $46,764 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: 70/10/20 Blend
29$14,100,000$14,100,000$14,100,000$14,100,000
30$15,543,039$14,795,739$14,577,189$16,554,676
31$17,078,672$15,470,973$15,015,768$17,905,282
32$18,769,373$16,177,727$15,467,472$19,377,124
33$20,630,908$16,917,495$15,932,692$20,987,010
34$22,680,653$17,691,844$16,411,829$22,748,588
35$24,937,751$18,502,416$16,905,297$24,676,885
36$27,423,299$19,350,932$17,413,522$26,788,443
37$30,160,543$20,239,195$17,936,942$29,101,474
38$33,175,097$21,169,095$18,476,009$31,636,030
39$36,495,189$22,142,612$19,031,187$34,414,188
40$40,151,921$23,161,823$19,602,955$37,460,257
41$44,179,568$24,228,904$20,191,805$40,801,008
42$48,615,898$25,346,134$20,798,244$44,465,919
43$53,502,529$26,515,904$21,422,795$48,487,453
44$58,885,322$27,740,718$22,065,994$52,901,361
45$64,814,815$29,023,203$22,728,394$57,747,017
46$71,346,696$30,366,111$23,410,566$63,067,787
47$78,542,334$31,772,324$24,113,094$68,911,433
48$86,469,352$33,244,868$24,836,583$75,330,563
49$95,202,271$34,786,912$25,581,653$82,383,123
50$104,823,208$36,401,776$26,348,944$90,132,940
51$115,422,655$38,092,943$27,139,114$98,650,320
52$127,100,332$39,864,063$27,952,840$108,012,709
53$139,966,125$41,718,962$28,790,820$118,305,421
54$154,141,129$43,661,650$29,653,771$129,622,436
55$169,758,784$45,696,331$30,542,432$142,067,285
56$186,966,141$47,827,412$31,457,565$155,754,022
57$205,925,245$50,059,513$32,399,951$170,808,296
58$226,814,667$52,397,476$33,370,396$187,368,532
59$249,831,190$54,846,379$34,369,731$205,587,230
60$275,191,662$57,411,542$35,398,808$225,632,404
61$303,135,050$60,098,546$36,458,506$247,689,160
62$333,924,689$62,913,239$37,549,731$271,961,435
63$367,850,773$65,861,753$38,673,412$298,673,920
64$405,233,088$68,950,516$39,830,508$328,074,172
65$446,424,038$72,186,266$41,022,005$360,434,945
66$491,811,966$75,576,069$42,248,918$396,056,760
67$541,824,822$79,127,332$43,512,292$435,270,729
68$596,934,203$82,847,820$44,813,203$478,441,680
69$657,659,802$86,745,674$46,152,756$525,971,587
70$724,574,320$90,829,429$47,532,091$578,303,363
71$798,308,864$95,108,035$48,952,380$635,925,027
72$879,558,913$99,590,874$50,414,829$699,374,302
73$969,090,877$104,287,782$51,920,681$769,243,689
74$1,067,749,336$109,209,072$53,471,213$846,186,040
75$1,176,465,010$114,365,558$55,067,740$930,920,722
76$1,296,263,547$119,768,577$56,711,616$1,024,240,389
77$1,428,275,208$125,430,016$58,404,234$1,127,018,458
78$1,573,745,530$131,362,338$60,147,026$1,240,217,343
79$1,734,047,092$137,578,610$61,941,470$1,364,897,525
80$1,910,692,468$144,092,535$63,789,082$1,502,227,556
81$2,105,348,508$150,918,478$65,691,425$1,653,495,076
82$2,319,852,076$158,071,503$67,650,107$1,820,118,953
83$2,556,227,384$165,567,403$69,666,782$2,003,662,666
84$2,816,705,111$173,422,740$71,743,153$2,205,849,048
85$3,103,743,457$181,654,879$73,880,973$2,428,576,539
86$3,420,051,348$190,282,026$76,082,044$2,673,937,090
87$3,768,614,015$199,323,275$78,348,222$2,944,235,893
88$4,152,721,173$208,798,643$80,681,416$3,242,013,131
89$4,575,998,079$218,729,124$83,083,590$3,570,067,936
90$5,042,439,760$229,136,727$85,556,767$3,931,484,797
91$5,556,448,723$240,044,535$88,103,026$4,329,662,663
92$6,122,876,523$251,476,748$90,724,508$4,768,347,004
93$6,747,069,565$263,458,745$93,423,416$5,251,665,155
94$7,434,919,577$276,017,139$96,202,016$5,784,165,256
95$8,192,919,230$289,179,835$99,062,640$6,370,859,164
96$9,028,223,440$302,976,096$102,007,687$7,017,269,748
97$9,948,716,912$317,436,606$105,039,626$7,729,482,998
98$10,963,088,582$332,593,544$108,160,998$8,514,205,462
99$12,080,913,642$348,480,653$111,374,416$9,378,827,523
100$13,312,743,943$365,133,315$114,682,569$10,331,493,150