Can I retire at age 30 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$156,900$155,503$154,139$152,808$151,509$147,071
2 years$77,673$76,227$74,825$73,465$72,147$67,712
3 years$51,268$49,815$48,417$47,070$45,773$41,480
4 years$38,068$36,619$35,235$33,911$32,646$28,527
5 years$30,150$28,710$27,344$26,047$24,817$20,884
6 years$24,873$23,444$22,098$20,830$19,637$15,894
7 years$21,105$19,688$18,363$17,126$15,970$12,416
8 years$18,280$16,876$15,574$14,366$13,249$9,882
9 years$16,085$14,694$13,414$12,237$11,157$7,975
10 years$14,329$12,952$11,694$10,548$9,506$6,504
11 years$12,894$11,530$10,295$9,180$8,176$5,347
12 years$11,698$10,349$9,137$8,052$7,085$4,425
13 years$10,688$9,353$8,163$7,109$6,178$3,681
14 years$9,822$8,501$7,335$6,310$5,416$3,075
15 years$9,073$7,766$6,622$5,628$4,769$2,578
16 years$8,418$7,125$6,004$5,039$4,214$2,167
17 years$7,840$6,562$5,463$4,528$3,737$1,826
18 years$7,328$6,064$4,987$4,080$3,323$1,542
19 years$6,869$5,620$4,566$3,687$2,962$1,304
20 years$6,457$5,222$4,190$3,339$2,645$1,104
21 years$6,085$4,864$3,854$3,031$2,367$936
22 years$5,747$4,540$3,552$2,755$2,122$794
23 years$5,439$4,247$3,280$2,509$1,905$675
24 years$5,157$3,979$3,033$2,289$1,712$573
25 years$4,898$3,734$2,809$2,090$1,541$488
26 years$4,660$3,509$2,606$1,911$1,388$415
27 years$4,439$3,303$2,420$1,749$1,251$353
28 years$4,235$3,112$2,249$1,603$1,129$301
29 years$4,045$2,936$2,093$1,470$1,019$256
30 years$3,868$2,773$1,950$1,349$921$218
31 years$3,702$2,621$1,818$1,239$833$186
32 years$3,548$2,480$1,696$1,139$753$159
33 years$3,403$2,349$1,583$1,047$682$135
34 years$3,266$2,226$1,479$963$617$115
35 years$3,138$2,111$1,383$887$559$98
36 years$3,018$2,004$1,294$817$507$84
37 years$2,904$1,903$1,211$752$459$71
38 years$2,796$1,809$1,134$694$416$61
39 years$2,694$1,720$1,063$640$377$52
40 years$2,598$1,636$996$590$342$44
41 years$2,506$1,558$934$544$311$38
42 years$2,419$1,484$876$502$282$32
43 years$2,336$1,414$822$464$256$28
44 years$2,257$1,347$772$428$232$23
45 years$2,182$1,285$725$395$211$20
46 years$2,111$1,226$681$365$191$17
47 years$2,043$1,170$639$337$174$15
48 years$1,977$1,117$601$312$158$12
49 years$1,915$1,066$565$288$143$11
50 years$1,855$1,019$531$266$130$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $1,900,000, adding $5,764 every year, while hoping to spend $42,037 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: 42/44/14 Blend
29$1,900,000$1,900,000$1,900,000$1,900,000
30$2,099,746$1,999,046$1,969,596$2,179,096
31$2,269,193$2,052,272$1,990,850$2,288,666
32$2,454,514$2,106,697$2,011,408$2,402,633
33$2,657,285$2,162,336$2,031,200$2,525,128
34$2,879,240$2,219,202$2,050,157$2,656,951
35$3,122,288$2,277,309$2,068,203$2,798,981
36$3,388,532$2,336,667$2,085,258$2,952,185
37$3,680,288$2,397,289$2,101,240$3,117,628
38$4,000,105$2,459,184$2,116,059$3,296,482
39$4,350,793$2,522,362$2,129,625$3,490,039
40$4,735,446$2,586,830$2,141,839$3,699,719
41$5,157,471$2,652,594$2,152,600$3,927,089
42$5,620,622$2,719,659$2,161,801$4,173,872
43$6,129,032$2,788,029$2,169,328$4,441,967
44$6,687,255$2,857,705$2,175,063$4,733,466
45$7,300,309$2,928,686$2,178,881$5,050,672
46$7,973,720$3,000,971$2,180,652$5,396,124
47$8,713,574$3,074,554$2,180,240$5,772,616
48$9,526,580$3,149,428$2,177,499$6,183,230
49$10,420,126$3,225,585$2,172,280$6,631,359
50$11,402,351$3,303,010$2,164,423$7,120,742
51$12,482,223$3,381,690$2,153,763$7,655,499
52$13,669,622$3,461,605$2,140,127$8,240,168
53$14,975,434$3,542,734$2,123,331$8,879,753
54$16,411,651$3,625,051$2,103,186$9,579,763
55$17,991,486$3,708,526$2,079,490$10,346,273
56$19,729,500$3,793,125$2,052,035$11,185,975
57$21,641,731$3,878,811$2,020,600$12,106,245
58$23,745,855$3,965,540$1,984,957$13,115,209
59$26,061,344$4,053,263$1,944,865$14,221,823
60$28,609,655$4,141,927$1,900,073$15,435,959
61$31,414,431$4,231,473$1,850,316$16,768,492
62$34,501,722$4,321,834$1,795,321$18,231,410
63$37,900,231$4,412,937$1,734,798$19,837,923
64$41,641,588$4,504,704$1,668,446$21,602,591
65$45,760,642$4,597,047$1,595,951$23,541,457
66$50,295,795$4,689,870$1,516,983$25,672,204
67$55,289,363$4,783,070$1,431,199$28,014,320
68$60,787,971$4,876,533$1,338,237$30,589,282
69$66,842,999$4,970,138$1,237,723$33,420,759
70$73,511,061$5,063,751$1,129,263$36,534,836
71$80,854,543$5,157,229$1,012,447$39,960,263
72$88,942,189$5,250,416$886,846$43,728,723
73$97,849,749$5,343,143$752,013$47,875,136
74$107,660,698$5,435,232$607,480$52,437,986
75$118,467,018$5,526,486$452,759$57,459,685
76$130,370,067$5,616,698$287,339$62,986,977
77$143,481,538$5,705,641$110,690$69,071,376
78$157,924,513$5,793,074$0$75,769,659
79$173,834,618$5,878,740$0$83,156,022
80$191,361,310$5,962,359$0$91,306,200
81$210,669,285$6,043,637$0$100,279,731
82$231,940,032$6,122,254$0$110,160,467
83$255,373,542$6,197,872$0$121,040,817
84$281,190,203$6,270,127$0$133,022,616
85$309,632,873$6,338,632$0$146,218,090
86$340,969,175$6,402,974$0$160,750,913
87$375,494,023$6,462,712$0$176,757,380
88$413,532,404$6,517,376$0$194,387,690
89$455,442,446$6,566,465$0$213,807,368
90$501,618,800$6,609,446$0$235,198,826
91$552,496,361$6,645,752$0$258,763,089
92$608,554,374$6,674,778$0$284,721,693
93$670,320,962$6,695,884$0$313,318,776
94$738,378,104$6,708,386$0$344,823,385
95$813,367,133$6,711,559$0$379,532,021
96$895,994,789$6,704,634$0$417,771,433
97$987,039,888$6,686,791$0$459,901,712
98$1,087,360,676$6,657,164$0$506,319,686
99$1,197,902,931$6,614,831$0$557,462,673
100$1,319,708,887$6,558,814$0$613,812,609