Can I retire at age 30 with 14,500,000?

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 $14,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$1,197,396$1,186,731$1,176,325$1,166,168$1,156,250$1,140,856
2 years$592,771$581,731$571,031$560,658$550,595$535,111
3 years$391,255$380,167$369,495$359,219$349,320$334,226
4 years$290,517$279,463$268,898$258,797$249,138$234,551
5 years$230,090$219,103$208,676$198,781$189,391$175,353
6 years$189,818$178,914$168,641$158,967$149,859$136,387
7 years$161,064$150,252$140,141$130,695$121,875$108,975
8 years$139,508$128,793$118,851$109,637$101,107$88,776
9 years$122,752$112,138$102,366$93,386$85,147$73,380
10 years$109,354$98,844$89,245$80,500$72,549$61,338
11 years$98,400$87,995$78,570$70,059$62,395$51,729
12 years$89,277$78,980$69,729$61,451$54,070$43,937
13 years$81,565$71,374$62,298$54,252$47,150$37,536
14 years$74,959$64,877$55,975$48,159$41,332$32,223
15 years$69,240$59,267$50,538$42,949$36,392$27,772
16 years$64,240$54,376$45,820$38,457$32,163$24,017
17 years$59,834$50,078$41,695$34,553$28,518$20,829
18 years$55,921$46,275$38,062$31,139$25,357$18,109
19 years$52,424$42,887$34,844$28,137$22,601$15,776
20 years$49,281$39,852$31,978$25,483$20,188$13,768
21 years$46,441$37,121$29,413$23,128$18,066$12,034
22 years$43,862$34,651$27,109$21,028$16,193$10,533
23 years$41,511$32,408$25,030$19,151$14,536$9,229
24 years$39,360$30,365$23,149$17,467$13,065$8,095
25 years$37,383$28,496$21,441$15,952$11,757$7,107
26 years$35,562$26,781$19,885$14,585$10,590$6,244
27 years$33,878$25,204$18,465$13,350$9,548$5,489
28 years$32,317$23,750$17,166$12,232$8,615$4,828
29 years$30,867$22,405$15,974$11,217$7,779$4,250
30 years$29,516$21,160$14,879$10,294$7,029$3,742
31 years$28,254$20,003$13,871$9,454$6,355$3,296
32 years$27,074$18,927$12,942$8,689$5,749$2,904
33 years$25,967$17,924$12,084$7,990$5,202$2,560
34 years$24,928$16,988$11,291$7,352$4,710$2,257
35 years$23,951$16,113$10,556$6,768$4,266$1,990
36 years$23,029$15,293$9,875$6,233$3,865$1,755
37 years$22,160$14,525$9,243$5,743$3,503$1,549
38 years$21,338$13,804$8,656$5,293$3,176$1,366
39 years$20,561$13,126$8,109$4,881$2,880$1,206
40 years$19,824$12,489$7,601$4,502$2,612$1,064
41 years$19,125$11,888$7,127$4,153$2,370$939
42 years$18,461$11,322$6,686$3,833$2,151$829
43 years$17,829$10,787$6,273$3,538$1,952$732
44 years$17,228$10,282$5,889$3,267$1,772$646
45 years$16,655$9,805$5,529$3,017$1,608$571
46 years$16,109$9,354$5,193$2,787$1,460$504
47 years$15,588$8,926$4,879$2,575$1,326$445
48 years$15,089$8,521$4,585$2,379$1,204$393
49 years$14,613$8,138$4,310$2,199$1,094$347
50 years$14,157$7,773$4,052$2,032$993$306

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $14,500,000, adding $3,423 every year, while hoping to spend $59,639 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: 47/24/29 Blend
29$14,500,000$14,500,000$14,500,000$14,500,000
30$15,982,531$15,214,031$14,989,281$16,600,544
31$17,549,294$15,896,063$15,427,966$17,719,872
32$19,273,867$16,609,516$15,879,349$18,928,141
33$21,172,286$17,355,866$16,343,791$20,238,652
34$23,262,216$18,136,660$16,821,665$21,661,057
35$25,563,125$18,953,520$17,313,354$23,205,962
36$28,096,465$19,808,143$17,819,252$24,885,022
37$30,885,870$20,702,309$18,339,764$26,711,049
38$33,957,388$21,637,881$18,875,304$28,698,127
39$37,339,717$22,616,812$19,426,302$30,861,741
40$41,064,481$23,641,149$19,993,197$33,218,917
41$45,166,530$24,713,037$20,576,440$35,788,381
42$49,684,261$25,834,721$21,176,496$38,590,725
43$54,659,990$27,008,556$21,793,843$41,648,602
44$60,140,342$28,237,009$22,428,971$44,986,929
45$66,176,700$29,522,665$23,082,384$48,633,122
46$72,825,680$30,868,233$23,754,600$52,617,343
47$80,149,673$32,276,550$24,446,153$56,972,780
48$88,217,431$33,750,592$25,157,590$61,735,955
49$97,104,713$35,293,475$25,889,474$66,947,062
50$106,895,004$36,908,466$26,642,382$72,650,336
51$117,680,303$38,598,989$27,416,909$78,894,467
52$129,561,985$40,368,630$28,213,667$85,733,048
53$142,651,764$42,221,150$29,033,282$93,225,076
54$157,072,747$44,160,489$29,876,399$101,435,497
55$172,960,590$46,190,776$30,743,682$110,435,813
56$190,464,786$48,316,340$31,635,811$120,304,745
57$209,750,070$50,541,716$32,553,487$131,128,967
58$230,997,976$52,871,659$33,497,427$143,003,918
59$254,408,550$55,311,151$34,468,371$156,034,684
60$280,202,239$57,865,415$35,467,079$170,336,988
61$308,621,971$60,539,924$36,494,330$186,038,262
62$339,935,448$63,340,416$37,550,926$203,278,845
63$374,437,671$66,272,904$38,637,689$222,213,292
64$412,453,729$69,343,691$39,755,467$243,011,819
65$454,341,862$72,559,385$40,905,128$265,861,899
66$500,496,847$75,926,910$42,087,565$290,970,012
67$551,353,722$79,453,525$43,303,695$318,563,586
68$607,391,893$83,146,840$44,554,461$348,893,122
69$669,139,661$87,014,830$45,840,830$382,234,548
70$737,179,206$91,065,855$47,163,797$418,891,800
71$812,152,084$95,308,682$48,524,383$459,199,680
72$894,765,285$99,752,495$49,923,638$503,526,993
73$985,797,903$104,406,927$51,362,640$552,280,012
74$1,086,108,496$109,282,072$52,842,494$605,906,291
75$1,196,643,183$114,388,515$54,364,338$664,898,872
76$1,318,444,585$119,737,349$55,929,341$729,800,910
77$1,452,661,659$125,340,205$57,538,700$801,210,786
78$1,600,560,550$131,209,277$59,193,649$879,787,726
79$1,763,536,541$137,357,347$60,895,451$966,258,000
80$1,943,127,226$143,797,815$62,645,406$1,061,421,755
81$2,141,027,025$150,544,729$64,444,849$1,166,160,534
82$2,359,103,179$157,612,818$66,295,149$1,281,445,576
83$2,599,413,379$165,017,523$68,197,712$1,408,346,951
84$2,864,225,193$172,775,031$70,153,985$1,548,043,632
85$3,156,037,469$180,902,313$72,165,450$1,701,834,591
86$3,477,603,928$189,417,164$74,233,629$1,871,151,027
87$3,831,959,161$198,338,237$76,360,088$2,057,569,841
88$4,222,447,276$207,685,091$78,546,432$2,262,828,488
89$4,652,753,470$217,478,233$80,794,309$2,488,841,334
90$5,126,938,817$227,739,160$83,105,412$2,737,717,694
91$5,649,478,612$238,490,413$85,481,479$3,011,781,699
92$6,225,304,614$249,755,628$87,924,292$3,313,594,189
93$6,859,851,614$261,559,582$90,435,685$3,645,976,847
94$7,559,108,733$273,928,257$93,017,535$4,012,038,786
95$8,329,675,976$286,888,893$95,671,774$4,415,205,848
96$9,178,826,528$300,470,052$98,400,382$4,859,252,892
97$10,114,575,431$314,701,681$101,205,391$5,348,339,378
98$11,145,755,242$329,615,181$104,088,889$5,887,048,575
99$12,282,099,427$345,243,475$107,053,017$6,480,430,763
100$13,534,334,250$361,621,087$110,099,974$7,134,050,857