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%16.7%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,093,625
2 years$576,418$565,683$555,279$545,191$535,407$504,672
3 years$380,462$369,680$359,302$349,309$339,684$309,906
4 years$282,503$271,754$261,480$251,658$242,265$213,673
5 years$223,742$213,058$202,919$193,297$184,166$156,838
6 years$184,582$173,978$163,989$154,581$145,725$119,686
7 years$156,621$146,107$136,275$127,090$118,513$93,766
8 years$135,660$125,240$115,572$106,613$98,318$74,849
9 years$119,365$109,044$99,543$90,810$82,798$60,584
10 years$106,337$96,117$86,783$78,279$70,548$49,562
11 years$95,685$85,567$76,403$68,126$60,674$40,882
12 years$86,815$76,801$67,805$59,756$52,579$33,944
13 years$79,315$69,405$60,580$52,756$45,849$28,333
14 years$72,892$63,088$54,431$46,831$40,191$23,751
15 years$67,330$57,632$49,144$41,765$35,388$19,981
16 years$62,468$52,876$44,556$37,396$31,276$16,858
17 years$58,183$48,697$40,544$33,600$27,731$14,257
18 years$54,378$44,998$37,012$30,280$24,657$12,082
19 years$50,978$41,704$33,883$27,361$21,978$10,256
20 years$47,921$38,753$31,096$24,780$19,631$8,718
21 years$45,160$36,097$28,602$22,490$17,567$7,420
22 years$42,652$33,695$26,361$20,448$15,747$6,321
23 years$40,366$31,514$24,340$18,623$14,135$5,390
24 years$38,274$29,527$22,510$16,985$12,705$4,599
25 years$36,352$27,710$20,849$15,512$11,433$3,927
26 years$34,581$26,043$19,336$14,183$10,298$3,355
27 years$32,943$24,509$17,956$12,982$9,285$2,867
28 years$31,426$23,095$16,692$11,894$8,378$2,451
29 years$30,015$21,787$15,533$10,907$7,565$2,096
30 years$28,702$20,576$14,469$10,010$6,835$1,794
31 years$27,475$19,451$13,489$9,194$6,180$1,535
32 years$26,327$18,405$12,585$8,449$5,590$1,313
33 years$25,251$17,429$11,751$7,770$5,059$1,124
34 years$24,241$16,519$10,979$7,149$4,580$963
35 years$23,290$15,668$10,265$6,581$4,149$824
36 years$22,394$14,871$9,603$6,061$3,759$706
37 years$21,549$14,124$8,988$5,584$3,407$605
38 years$20,750$13,423$8,417$5,147$3,089$518
39 years$19,993$12,764$7,886$4,746$2,801$443
40 years$19,277$12,144$7,391$4,377$2,540$380
41 years$18,597$11,560$6,931$4,039$2,305$325
42 years$17,951$11,009$6,501$3,727$2,091$279
43 years$17,337$10,490$6,100$3,441$1,898$239
44 years$16,753$9,999$5,726$3,177$1,723$205
45 years$16,196$9,535$5,377$2,934$1,564$175
46 years$15,665$9,096$5,050$2,710$1,420$150
47 years$15,158$8,680$4,744$2,504$1,289$129
48 years$14,673$8,286$4,458$2,314$1,171$110
49 years$14,210$7,913$4,191$2,138$1,064$94
50 years$13,767$7,559$3,940$1,976$966$81

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 $5,520 every year, while hoping to spend $57,321 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: 76/9/15 Blend
29$14,100,000$14,100,000$14,100,000$14,100,000
30$15,543,894$14,796,594$14,578,044$16,674,735
31$17,068,382$15,460,638$15,005,419$18,086,269
32$18,746,447$16,155,299$15,445,191$19,625,607
33$20,593,692$16,882,017$15,897,712$21,311,646
34$22,627,313$17,642,299$16,363,350$23,158,985
35$24,866,254$18,437,728$16,842,478$25,183,700
36$27,331,393$19,269,957$17,335,481$27,403,491
37$30,045,732$20,140,722$17,842,757$29,837,848
38$33,034,620$21,051,840$18,364,712$32,508,238
39$36,325,987$22,005,217$18,901,766$35,438,296
40$39,950,612$23,002,846$19,454,350$38,654,056
41$43,942,408$24,046,820$20,022,904$42,184,189
42$48,338,749$25,139,329$20,607,886$46,060,270
43$53,180,813$26,282,668$21,209,763$50,317,079
44$58,513,981$27,479,244$21,829,015$54,992,925
45$64,388,257$28,731,576$22,466,136$60,130,001
46$70,858,743$30,042,308$23,121,636$65,774,785
47$77,986,160$31,414,205$23,796,036$71,978,475
48$85,837,418$32,850,171$24,489,872$78,797,466
49$94,486,249$34,353,244$25,203,697$86,293,884
50$104,013,903$35,926,610$25,938,078$94,536,166
51$114,509,915$37,573,607$26,693,598$103,599,704
52$126,072,948$39,297,736$27,470,855$113,567,555
53$138,811,725$41,102,661$28,270,465$124,531,219
54$152,846,057$42,992,227$29,093,061$136,591,500
55$168,307,970$44,970,462$29,939,294$149,859,455
56$185,342,953$47,041,585$30,809,831$164,457,436
57$204,111,334$49,210,023$31,705,360$180,520,244
58$224,789,787$51,480,410$32,626,586$198,196,397
59$247,573,003$53,857,608$33,574,235$217,649,523
60$272,675,529$56,346,711$34,549,052$239,059,906
61$300,333,791$58,953,057$35,551,803$262,626,180
62$330,808,324$61,682,243$36,583,274$288,567,200
63$364,386,234$64,540,135$37,644,275$317,124,104
64$401,383,908$67,532,880$38,735,637$348,562,580
65$442,149,999$70,666,923$39,858,213$383,175,374
66$487,068,717$73,949,020$41,012,881$421,285,043
67$536,563,455$77,386,251$42,200,542$463,246,997
68$591,100,790$80,986,039$43,422,121$509,452,847
69$651,194,880$84,756,165$44,678,572$560,334,094
70$717,412,324$88,704,783$45,970,870$616,366,199
71$790,377,507$92,840,444$47,300,021$678,073,059
72$870,778,497$97,172,110$48,667,056$746,031,951
73$959,373,537$101,709,176$50,073,035$820,878,970
74$1,056,998,202$106,461,491$51,519,047$903,315,028
75$1,164,573,294$111,439,378$53,006,210$994,112,463
76$1,283,113,524$116,653,663$54,535,672$1,094,122,316
77$1,413,737,102$122,115,690$56,108,616$1,204,282,365
78$1,557,676,283$127,837,356$57,726,251$1,325,625,960
79$1,716,289,008$133,831,131$59,389,825$1,459,291,775
80$1,891,071,718$140,110,087$61,100,615$1,606,534,542
81$2,083,673,483$146,687,931$62,859,935$1,768,736,888
82$2,295,911,570$153,579,032$64,669,135$1,947,422,379
83$2,529,788,599$160,798,453$66,529,599$2,144,269,885
84$2,787,511,447$168,361,988$68,442,752$2,361,129,422
85$3,071,512,085$176,286,196$70,410,055$2,600,039,607
86$3,384,470,534$184,588,435$72,433,007$2,863,246,881
87$3,729,340,167$193,286,908$74,513,152$3,153,226,713
88$4,109,375,593$202,400,694$76,652,071$3,472,706,950
89$4,528,163,377$211,949,803$78,851,390$3,824,693,555
90$4,989,655,908$221,955,209$81,112,777$4,212,498,970
91$5,498,208,702$232,438,906$83,437,947$4,639,773,373
92$6,058,621,530$243,423,952$85,828,658$5,110,539,116
93$6,676,183,725$254,934,526$88,286,718$5,629,228,688
94$7,356,724,123$266,995,975$90,813,981$6,200,726,536
95$8,106,666,086$279,634,880$93,412,351$6,830,415,158
96$8,933,088,146$292,879,109$96,083,784$7,524,225,904
97$9,843,790,833$306,757,881$98,830,287$8,288,694,945
98$10,847,370,317$321,301,836$101,653,920$9,131,024,956
99$11,953,299,561$336,543,098$104,556,799$10,059,153,097
100$13,172,017,759$352,515,353$107,541,094$11,081,825,920