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%13.4%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,108,467
2 years$576,418$565,683$555,279$545,191$535,407$519,432
3 years$380,462$369,680$359,302$349,309$339,684$324,117
4 years$282,503$271,754$261,480$251,658$242,265$227,227
5 years$223,742$213,058$202,919$193,297$184,166$169,700
6 years$184,582$173,978$163,989$154,581$145,725$131,848
7 years$156,621$146,107$136,275$127,090$118,513$105,230
8 years$135,660$125,240$115,572$106,613$98,318$85,627
9 years$119,365$109,044$99,543$90,810$82,798$70,693
10 years$106,337$96,117$86,783$78,279$70,548$59,020
11 years$95,685$85,567$76,403$68,126$60,674$49,712
12 years$86,815$76,801$67,805$59,756$52,579$42,170
13 years$79,315$69,405$60,580$52,756$45,849$35,980
14 years$72,892$63,088$54,431$46,831$40,191$30,845
15 years$67,330$57,632$49,144$41,765$35,388$26,549
16 years$62,468$52,876$44,556$37,396$31,276$22,928
17 years$58,183$48,697$40,544$33,600$27,731$19,856
18 years$54,378$44,998$37,012$30,280$24,657$17,238
19 years$50,978$41,704$33,883$27,361$21,978$14,995
20 years$47,921$38,753$31,096$24,780$19,631$13,067
21 years$45,160$36,097$28,602$22,490$17,567$11,405
22 years$42,652$33,695$26,361$20,448$15,747$9,967
23 years$40,366$31,514$24,340$18,623$14,135$8,720
24 years$38,274$29,527$22,510$16,985$12,705$7,636
25 years$36,352$27,710$20,849$15,512$11,433$6,693
26 years$34,581$26,043$19,336$14,183$10,298$5,871
27 years$32,943$24,509$17,956$12,982$9,285$5,153
28 years$31,426$23,095$16,692$11,894$8,378$4,526
29 years$30,015$21,787$15,533$10,907$7,565$3,977
30 years$28,702$20,576$14,469$10,010$6,835$3,496
31 years$27,475$19,451$13,489$9,194$6,180$3,074
32 years$26,327$18,405$12,585$8,449$5,590$2,704
33 years$25,251$17,429$11,751$7,770$5,059$2,380
34 years$24,241$16,519$10,979$7,149$4,580$2,094
35 years$23,290$15,668$10,265$6,581$4,149$1,844
36 years$22,394$14,871$9,603$6,061$3,759$1,624
37 years$21,549$14,124$8,988$5,584$3,407$1,430
38 years$20,750$13,423$8,417$5,147$3,089$1,260
39 years$19,993$12,764$7,886$4,746$2,801$1,110
40 years$19,277$12,144$7,391$4,377$2,540$978
41 years$18,597$11,560$6,931$4,039$2,305$861
42 years$17,951$11,009$6,501$3,727$2,091$759
43 years$17,337$10,490$6,100$3,441$1,898$669
44 years$16,753$9,999$5,726$3,177$1,723$590
45 years$16,196$9,535$5,377$2,934$1,564$520
46 years$15,665$9,096$5,050$2,710$1,420$458
47 years$15,158$8,680$4,744$2,504$1,289$404
48 years$14,673$8,286$4,458$2,314$1,171$356
49 years$14,210$7,913$4,191$2,138$1,064$314
50 years$13,767$7,559$3,940$1,976$966$277

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 $6,666 every year, while hoping to spend $20,322 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: 86/9/5 Blend
29$14,100,000$14,100,000$14,100,000$14,100,000
30$15,545,076$14,797,776$14,579,226$16,882,174
31$17,109,051$15,501,245$15,046,008$18,457,593
32$18,831,871$16,238,502$15,527,745$20,184,906
33$20,729,716$17,011,182$16,024,919$22,082,238
34$22,820,416$17,821,000$16,538,023$24,166,673
35$25,123,620$18,669,750$17,067,568$26,457,031
36$27,660,980$19,559,319$17,614,082$28,974,035
37$30,456,355$20,491,680$18,178,109$31,740,513
38$33,536,038$21,468,908$18,760,211$34,781,607
39$36,929,002$22,493,173$19,360,966$38,125,012
40$40,667,176$23,566,754$19,980,974$41,801,232
41$44,785,744$24,692,040$20,620,852$45,843,869
42$49,323,476$25,871,536$21,281,237$50,289,937
43$54,323,099$27,107,870$21,962,787$55,180,211
44$59,831,695$28,403,796$22,666,181$60,559,607
45$65,901,149$29,762,203$23,392,119$66,477,606
46$72,588,636$31,186,121$24,141,324$72,988,716
47$79,957,162$32,678,725$24,914,544$80,152,990
48$88,076,158$34,243,349$25,712,547$88,036,584
49$97,022,139$35,883,485$26,536,130$96,712,380
50$106,879,419$37,602,798$27,386,112$106,260,677
51$117,740,914$39,405,129$28,263,341$116,769,937
52$129,709,015$41,294,508$29,168,690$128,337,624
53$142,896,555$43,275,161$30,103,063$141,071,120
54$157,427,878$45,351,517$31,067,389$155,088,732
55$173,440,005$47,528,225$32,062,630$170,520,807
56$191,083,935$49,810,158$33,089,778$187,510,963
57$210,526,068$52,202,427$34,149,857$206,217,433
58$231,949,772$54,710,392$35,243,923$226,814,562
59$255,557,121$57,339,673$36,373,066$249,494,445
60$281,570,796$60,096,166$37,538,413$274,468,738
61$310,236,192$62,986,052$38,741,124$301,970,648
62$341,823,731$66,015,816$39,982,399$332,257,135
63$376,631,418$69,192,258$41,263,476$365,611,331
64$414,987,652$72,522,507$42,585,631$402,345,204
65$457,254,325$76,014,043$43,950,183$442,802,503
66$503,830,245$79,674,709$45,358,492$487,361,995
67$555,154,891$83,512,732$46,811,963$536,441,033
68$611,712,571$87,536,737$48,312,045$590,499,496
69$674,036,989$91,755,772$49,860,234$650,044,117
70$742,716,284$96,179,327$51,458,074$715,633,262
71$818,398,584$100,817,354$53,107,159$787,882,198
72$901,798,124$105,680,288$54,809,133$867,468,890
73$993,701,988$110,779,077$56,565,694$955,140,395
74$1,094,977,540$116,125,201$58,378,594$1,051,719,905
75$1,206,580,614$121,730,701$60,249,642$1,158,114,514
76$1,329,564,535$127,608,204$62,180,704$1,275,323,769
77$1,465,090,067$133,770,955$64,173,706$1,404,449,097
78$1,614,436,366$140,232,844$66,230,637$1,546,704,197
79$1,779,013,061$147,008,439$68,353,550$1,703,426,483
80$1,960,373,562$154,113,021$70,544,562$1,876,089,703
81$2,160,229,720$161,562,614$72,805,860$2,066,317,842
82$2,380,467,995$169,374,026$75,139,699$2,275,900,438
83$2,623,167,261$177,564,884$77,548,411$2,506,809,467
84$2,890,618,436$186,153,678$80,034,397$2,761,217,946
85$3,185,346,107$195,159,798$82,600,139$3,041,520,437
86$3,510,132,364$204,603,583$85,248,198$3,350,355,636
87$3,868,043,070$214,506,363$87,981,218$3,690,631,272
88$4,262,456,800$224,890,511$90,801,925$4,065,551,543
89$4,697,096,740$235,779,493$93,713,136$4,478,647,347
90$5,176,065,839$247,197,919$96,717,757$4,933,809,604
91$5,703,885,540$259,171,603$99,818,788$5,435,325,971
92$6,285,538,472$271,727,619$103,019,324$5,987,921,300
93$6,926,515,487$284,894,362$106,322,562$6,596,802,227
94$7,632,867,497$298,701,617$109,731,799$7,267,706,306
95$8,411,262,607$313,180,621$113,250,439$8,006,956,159
96$9,269,049,060$328,364,139$116,881,996$8,821,519,139
97$10,214,324,619$344,286,536$120,630,097$9,719,073,087
98$11,256,013,010$360,983,856$124,498,485$10,708,078,796
99$12,403,948,175$378,493,904$128,491,023$11,797,859,860
100$13,668,967,116$396,856,332$132,611,700$12,998,690,670