Can I retire at age 30 with 2,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$173,416$171,871$170,364$168,893$167,457$164,615
2 years$85,850$84,251$82,701$81,199$79,741$76,887
3 years$56,665$55,059$53,513$52,025$50,591$47,813
4 years$42,075$40,474$38,944$37,481$36,082$33,402
5 years$33,323$31,732$30,222$28,789$27,429$24,854
6 years$27,491$25,912$24,424$23,023$21,704$19,237
7 years$23,327$21,761$20,296$18,928$17,651$15,294
8 years$20,205$18,653$17,213$15,878$14,643$12,394
9 years$17,778$16,241$14,825$13,525$12,332$10,190
10 years$15,837$14,315$12,925$11,659$10,507$8,471
11 years$14,251$12,744$11,379$10,146$9,037$7,104
12 years$12,930$11,438$10,099$8,900$7,831$5,999
13 years$11,813$10,337$9,023$7,857$6,829$5,095
14 years$10,856$9,396$8,107$6,975$5,986$4,348
15 years$10,028$8,583$7,319$6,220$5,271$3,724
16 years$9,304$7,875$6,636$5,570$4,658$3,201
17 years$8,666$7,253$6,039$5,004$4,130$2,758
18 years$8,099$6,702$5,512$4,510$3,672$2,382
19 years$7,592$6,211$5,046$4,075$3,273$2,062
20 years$7,137$5,772$4,631$3,691$2,924$1,787
21 years$6,726$5,376$4,260$3,350$2,616$1,552
22 years$6,352$5,018$3,926$3,045$2,345$1,349
23 years$6,012$4,694$3,625$2,774$2,105$1,174
24 years$5,700$4,398$3,353$2,530$1,892$1,022
25 years$5,414$4,127$3,105$2,310$1,703$891
26 years$5,150$3,879$2,880$2,112$1,534$777
27 years$4,906$3,650$2,674$1,934$1,383$678
28 years$4,680$3,440$2,486$1,772$1,248$592
29 years$4,470$3,245$2,313$1,625$1,127$518
30 years$4,275$3,064$2,155$1,491$1,018$452
31 years$4,092$2,897$2,009$1,369$920$396
32 years$3,921$2,741$1,874$1,258$833$346
33 years$3,761$2,596$1,750$1,157$753$303
34 years$3,610$2,460$1,635$1,065$682$265
35 years$3,469$2,334$1,529$980$618$232
36 years$3,335$2,215$1,430$903$560$203
37 years$3,209$2,104$1,339$832$507$178
38 years$3,090$1,999$1,254$767$460$156
39 years$2,978$1,901$1,174$707$417$136
40 years$2,871$1,809$1,101$652$378$119
41 years$2,770$1,722$1,032$602$343$104
42 years$2,674$1,640$968$555$311$91
43 years$2,582$1,562$909$512$283$80
44 years$2,495$1,489$853$473$257$70
45 years$2,412$1,420$801$437$233$62
46 years$2,333$1,355$752$404$211$54
47 years$2,258$1,293$707$373$192$47
48 years$2,185$1,234$664$345$174$41
49 years$2,116$1,179$624$318$158$36
50 years$2,050$1,126$587$294$144$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,100,000, adding $3,964 every year, while hoping to spend $37,555 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: 43/48/9 Blend
29$2,100,000$2,100,000$2,100,000$2,100,000
30$2,318,289$2,206,989$2,174,439$2,411,775
31$2,514,796$2,275,173$2,207,324$2,545,384
32$2,730,088$2,345,440$2,240,053$2,685,915
33$2,966,042$2,417,851$2,272,579$2,837,302
34$3,224,724$2,492,471$2,304,856$3,000,550
35$3,508,410$2,569,366$2,336,833$3,176,767
36$3,819,607$2,648,605$2,368,456$3,367,171
37$4,161,076$2,730,255$2,399,669$3,573,099
38$4,535,859$2,814,391$2,430,411$3,796,024
39$4,947,306$2,901,086$2,460,619$4,037,565
40$5,399,108$2,990,415$2,490,226$4,299,502
41$5,895,329$3,082,458$2,519,161$4,583,795
42$6,440,448$3,177,294$2,547,349$4,892,600
43$7,039,400$3,275,007$2,574,710$5,228,289
44$7,697,618$3,375,682$2,601,162$5,593,473
45$8,421,090$3,479,406$2,626,617$5,991,025
46$9,216,414$3,586,269$2,650,981$6,424,108
47$10,090,857$3,696,365$2,674,157$6,896,204
48$11,052,425$3,809,787$2,696,042$7,411,144
49$12,109,941$3,926,635$2,716,528$7,973,149
50$13,273,123$4,047,009$2,735,501$8,586,865
51$14,552,681$4,171,012$2,752,839$9,257,407
52$15,960,414$4,298,751$2,768,419$9,990,408
53$17,509,321$4,430,335$2,782,106$10,792,072
54$19,213,727$4,565,876$2,793,761$11,669,228
55$21,089,413$4,705,490$2,803,238$12,629,402
56$23,153,770$4,849,295$2,810,383$13,680,878
57$25,425,957$4,997,414$2,815,034$14,832,783
58$27,927,089$5,149,972$2,817,022$16,095,168
59$30,680,429$5,307,097$2,816,169$17,479,107
60$33,711,610$5,468,922$2,812,288$18,996,794
61$37,048,876$5,635,581$2,805,182$20,661,665
62$40,723,353$5,807,216$2,794,647$22,488,519
63$44,769,334$5,983,969$2,780,467$24,493,659
64$49,224,610$6,165,987$2,762,416$26,695,045
65$54,130,821$6,353,421$2,740,258$29,112,465
66$59,533,853$6,546,427$2,713,744$31,767,716
67$65,484,267$6,745,163$2,682,616$34,684,814
68$72,037,779$6,949,793$2,646,600$37,890,217
69$79,255,784$7,160,484$2,605,413$41,413,076
70$87,205,935$7,377,409$2,558,755$45,285,509
71$95,962,783$7,600,744$2,506,316$49,542,901
72$105,608,477$7,830,671$2,447,768$54,224,243
73$116,233,542$8,067,375$2,382,769$59,372,492
74$127,937,734$8,311,047$2,310,962$65,034,981
75$140,830,978$8,561,882$2,231,974$71,263,863
76$155,034,405$8,820,082$2,145,413$78,116,603
77$170,681,500$9,085,852$2,050,869$85,656,520
78$187,919,356$9,359,402$1,947,917$93,953,382
79$206,910,067$9,640,949$1,836,109$103,084,065
80$227,832,253$9,930,715$1,714,977$113,133,280
81$250,882,748$10,228,925$1,584,035$124,194,368
82$276,278,460$10,535,814$1,442,771$136,370,183
83$304,258,412$10,851,619$1,290,654$149,774,059
84$335,086,006$11,176,584$1,127,126$164,530,883
85$369,051,501$11,510,959$951,608$180,778,270
86$406,474,759$11,855,000$763,491$198,667,862
87$447,708,259$12,208,970$562,142$218,366,758
88$493,140,427$12,573,136$346,901$240,059,093
89$543,199,304$12,947,772$117,075$263,947,771
90$598,356,581$13,333,161$0$290,256,383
91$659,132,054$13,729,588$0$319,243,626
92$726,098,534$14,137,348$0$351,181,494
93$799,887,247$14,556,741$0$386,357,998
94$881,193,799$14,988,074$0$425,102,911
95$970,784,738$15,431,661$0$467,779,627
96$1,069,504,792$15,887,822$0$514,788,591
97$1,178,284,841$16,356,886$0$566,571,075
98$1,298,150,708$16,839,187$0$623,613,342
99$1,430,232,839$17,335,066$0$686,451,238
100$1,575,776,977$17,844,872$0$755,675,246