Can I retire at age 30 with 2,250,000?

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 $2,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$185,803$184,148$182,533$180,957$179,418$174,585
2 years$91,982$90,269$88,608$86,999$85,437$80,603
3 years$60,712$58,991$57,335$55,741$54,205$49,520
4 years$45,080$43,365$41,726$40,158$38,659$34,160
5 years$35,704$33,999$32,381$30,845$29,388$25,087
6 years$29,455$27,762$26,168$24,667$23,254$19,155
7 years$24,993$23,315$21,746$20,280$18,912$15,015
8 years$21,648$19,985$18,442$17,013$15,689$11,993
9 years$19,048$17,401$15,884$14,491$13,212$9,713
10 years$16,969$15,338$13,848$12,491$11,258$7,951
11 years$15,269$13,654$12,192$10,871$9,682$6,563
12 years$13,853$12,255$10,820$9,536$8,390$5,453
13 years$12,657$11,075$9,667$8,418$7,316$4,554
14 years$11,632$10,067$8,686$7,473$6,414$3,820
15 years$10,744$9,197$7,842$6,665$5,647$3,216
16 years$9,968$8,438$7,110$5,967$4,991$2,715
17 years$9,285$7,771$6,470$5,362$4,425$2,298
18 years$8,677$7,181$5,906$4,832$3,935$1,949
19 years$8,135$6,655$5,407$4,366$3,507$1,656
20 years$7,647$6,184$4,962$3,954$3,133$1,408
21 years$7,206$5,760$4,564$3,589$2,803$1,200
22 years$6,806$5,377$4,207$3,263$2,513$1,023
23 years$6,441$5,029$3,884$2,972$2,256$873
24 years$6,108$4,712$3,592$2,710$2,027$745
25 years$5,801$4,422$3,327$2,475$1,824$637
26 years$5,518$4,156$3,086$2,263$1,643$545
27 years$5,257$3,911$2,865$2,072$1,482$466
28 years$5,015$3,685$2,664$1,898$1,337$399
29 years$4,790$3,477$2,479$1,741$1,207$341
30 years$4,580$3,283$2,309$1,597$1,091$292
31 years$4,384$3,104$2,152$1,467$986$250
32 years$4,201$2,937$2,008$1,348$892$214
33 years$4,029$2,781$1,875$1,240$807$184
34 years$3,868$2,636$1,752$1,141$731$157
35 years$3,716$2,500$1,638$1,050$662$135
36 years$3,574$2,373$1,532$967$600$116
37 years$3,439$2,254$1,434$891$544$99
38 years$3,311$2,142$1,343$821$493$85
39 years$3,190$2,037$1,258$757$447$73
40 years$3,076$1,938$1,179$699$405$62
41 years$2,968$1,845$1,106$644$368$53
42 years$2,865$1,757$1,037$595$334$46
43 years$2,767$1,674$973$549$303$39
44 years$2,673$1,596$914$507$275$34
45 years$2,584$1,522$858$468$250$29
46 years$2,500$1,451$806$432$227$25
47 years$2,419$1,385$757$400$206$21
48 years$2,341$1,322$711$369$187$18
49 years$2,268$1,263$669$341$170$16
50 years$2,197$1,206$629$315$154$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,250,000, adding $4,300 every year, while hoping to spend $28,080 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: 25/45/30 Blend
29$2,250,000$2,250,000$2,250,000$2,250,000
30$2,483,935$2,364,685$2,329,810$2,522,676
31$2,707,420$2,450,678$2,377,982$2,641,751
32$2,952,759$2,539,943$2,426,827$2,766,678
33$3,222,151$2,632,612$2,476,336$2,900,046
34$3,518,021$2,728,820$2,526,504$3,042,585
35$3,843,036$2,828,709$2,577,318$3,195,094
36$4,200,137$2,932,427$2,628,770$3,358,450
37$4,592,563$3,040,128$2,680,847$3,533,613
38$5,023,884$3,151,974$2,733,534$3,721,640
39$5,498,030$3,268,130$2,786,817$3,923,686
40$6,019,332$3,388,772$2,840,679$4,141,023
41$6,592,563$3,514,081$2,895,101$4,375,046
42$7,222,981$3,644,247$2,950,063$4,627,286
43$7,916,377$3,779,468$3,005,542$4,899,425
44$8,679,135$3,919,948$3,061,515$5,193,311
45$9,518,285$4,065,904$3,117,954$5,510,976
46$10,441,575$4,217,559$3,174,831$5,854,649
47$11,457,543$4,375,146$3,232,114$6,226,784
48$12,575,593$4,538,909$3,289,771$6,630,077
49$13,806,090$4,709,103$3,347,765$7,067,492
50$15,160,454$4,885,991$3,406,057$7,542,287
51$16,651,265$5,069,850$3,464,606$8,058,047
52$18,292,390$5,260,968$3,523,365$8,618,713
53$20,099,104$5,459,645$3,582,288$9,228,622
54$22,088,241$5,666,196$3,641,323$9,892,543
55$24,278,349$5,880,948$3,700,415$10,615,723
56$26,689,867$6,104,241$3,759,506$11,403,937
57$29,345,317$6,336,432$3,818,533$12,263,538
58$32,269,514$6,577,892$3,877,429$13,201,518
59$35,489,806$6,829,010$3,936,124$14,225,572
60$39,036,324$7,090,189$3,994,542$15,344,169
61$42,942,274$7,361,853$4,052,604$16,566,633
62$47,244,245$7,644,443$4,110,225$17,903,225
63$51,982,555$7,938,418$4,167,314$19,365,242
64$57,201,633$8,244,258$4,223,777$20,965,123
65$62,950,439$8,562,466$4,279,513$22,716,561
66$69,282,921$8,893,564$4,334,414$24,634,632
67$76,258,530$9,238,100$4,388,368$26,735,940
68$83,942,777$9,596,643$4,441,255$29,038,763
69$92,407,852$9,969,791$4,492,949$31,563,234
70$101,733,307$10,358,164$4,543,316$34,331,521
71$112,006,803$10,762,413$4,592,216$37,368,038
72$123,324,942$11,183,216$4,639,500$40,699,673
73$135,794,174$11,621,282$4,685,012$44,356,040
74$149,531,806$12,077,351$4,728,586$48,369,755
75$164,667,105$12,552,196$4,770,049$52,776,742
76$181,342,521$13,046,625$4,809,217$57,616,570
77$199,715,030$13,561,481$4,845,897$62,932,825
78$219,957,615$14,097,646$4,879,886$68,773,518
79$242,260,900$14,656,039$4,910,971$75,191,534
80$266,834,951$15,237,624$4,938,927$82,245,130
81$293,911,253$15,843,404$4,963,518$89,998,482
82$323,744,900$16,474,431$4,984,496$98,522,287
83$356,617,003$17,131,801$5,001,599$107,894,430
84$392,837,339$17,816,661$5,014,555$118,200,709
85$432,747,279$18,530,209$5,023,074$129,535,650
86$476,723,010$19,273,698$5,026,856$142,003,390
87$525,179,084$20,048,436$5,025,582$155,718,657
88$578,572,333$20,855,792$5,018,922$170,807,852
89$637,406,181$21,697,195$5,006,525$187,410,235
90$702,235,394$22,574,140$4,988,026$205,679,237
91$773,671,321$23,488,189$4,963,042$225,783,904
92$852,387,661$24,440,977$4,931,170$247,910,485
93$939,126,828$25,434,210$4,891,989$272,264,193
94$1,034,706,951$26,469,673$4,845,057$299,071,127
95$1,140,029,607$27,549,233$4,789,913$328,580,410
96$1,256,088,323$28,674,843$4,726,072$361,066,531
97$1,383,977,963$29,848,541$4,653,027$396,831,931
98$1,524,905,059$31,072,463$4,570,246$436,209,851
99$1,680,199,200$32,348,839$4,477,175$479,567,477
100$1,851,325,589$33,680,002$4,373,231$527,309,392