Can I retire at age 30 with 2,500,000?

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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$206,448$204,609$202,815$201,063$199,354$191,747
2 years$102,202$100,298$98,454$96,665$94,930$87,356
3 years$67,458$65,546$63,706$61,934$60,228$52,925
4 years$50,089$48,183$46,362$44,620$42,955$35,978
5 years$39,671$37,776$35,979$34,273$32,654$26,022
6 years$32,727$30,847$29,076$27,408$25,838$19,555
7 years$27,770$25,905$24,162$22,534$21,013$15,077
8 years$24,053$22,206$20,492$18,903$17,432$11,838
9 years$21,164$19,334$17,649$16,101$14,680$9,420
10 years$18,854$17,042$15,387$13,879$12,509$7,571
11 years$16,965$15,172$13,547$12,079$10,758$6,133
12 years$15,393$13,617$12,022$10,595$9,322$4,999
13 years$14,063$12,306$10,741$9,354$8,129$4,094
14 years$12,924$11,186$9,651$8,303$7,126$3,365
15 years$11,938$10,218$8,713$7,405$6,274$2,776
16 years$11,076$9,375$7,900$6,630$5,545$2,295
17 years$10,316$8,634$7,189$5,957$4,917$1,901
18 years$9,642$7,978$6,562$5,369$4,372$1,578
19 years$9,039$7,394$6,008$4,851$3,897$1,311
20 years$8,497$6,871$5,513$4,394$3,481$1,091
21 years$8,007$6,400$5,071$3,988$3,115$909
22 years$7,562$5,974$4,674$3,626$2,792$757
23 years$7,157$5,588$4,316$3,302$2,506$632
24 years$6,786$5,235$3,991$3,012$2,253$527
25 years$6,445$4,913$3,697$2,750$2,027$440
26 years$6,131$4,617$3,428$2,515$1,826$368
27 years$5,841$4,346$3,184$2,302$1,646$307
28 years$5,572$4,095$2,960$2,109$1,485$257
29 years$5,322$3,863$2,754$1,934$1,341$215
30 years$5,089$3,648$2,565$1,775$1,212$179
31 years$4,871$3,449$2,392$1,630$1,096$150
32 years$4,668$3,263$2,231$1,498$991$125
33 years$4,477$3,090$2,084$1,378$897$105
34 years$4,298$2,929$1,947$1,268$812$88
35 years$4,129$2,778$1,820$1,167$736$73
36 years$3,971$2,637$1,703$1,075$666$61
37 years$3,821$2,504$1,594$990$604$51
38 years$3,679$2,380$1,492$913$548$43
39 years$3,545$2,263$1,398$841$497$36
40 years$3,418$2,153$1,310$776$450$30
41 years$3,297$2,050$1,229$716$409$25
42 years$3,183$1,952$1,153$661$371$21
43 years$3,074$1,860$1,082$610$337$18
44 years$2,970$1,773$1,015$563$305$15
45 years$2,872$1,691$953$520$277$12
46 years$2,777$1,613$895$481$252$10
47 years$2,688$1,539$841$444$229$9
48 years$2,602$1,469$791$410$208$7
49 years$2,519$1,403$743$379$189$6
50 years$2,441$1,340$699$350$171$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,500,000, adding $6,767 every year, while hoping to spend $25,723 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: 44/43/13 Blend
29$2,500,000$2,500,000$2,500,000$2,500,000
30$2,761,980$2,629,480$2,590,730$2,872,895
31$3,016,333$2,730,956$2,650,151$3,052,397
32$3,295,768$2,836,541$2,710,699$3,243,711
33$3,602,816$2,946,411$2,772,387$3,450,502
34$3,940,265$3,060,748$2,835,225$3,674,206
35$4,311,188$3,179,740$2,899,221$3,916,398
36$4,718,969$3,303,588$2,964,385$4,178,810
37$5,167,338$3,432,497$3,030,725$4,463,346
38$5,660,401$3,566,684$3,098,249$4,772,095
39$6,202,685$3,706,375$3,166,964$5,107,356
40$6,799,178$3,851,806$3,236,876$5,471,654
41$7,455,373$4,003,224$3,307,990$5,867,765
42$8,177,325$4,160,885$3,380,311$6,298,740
43$8,971,703$4,325,060$3,453,843$6,767,937
44$9,845,857$4,496,027$3,528,586$7,279,045
45$10,807,884$4,674,083$3,604,544$7,836,124
46$11,866,707$4,859,531$3,681,715$8,443,638
47$13,032,157$5,052,695$3,760,098$9,106,500
48$14,315,067$5,253,907$3,839,692$9,830,111
49$15,727,373$5,463,517$3,920,491$10,620,418
50$17,282,228$5,681,892$4,002,490$11,483,961
51$18,994,124$5,909,414$4,085,682$12,427,940
52$20,879,030$6,146,480$4,170,058$13,460,276
53$22,954,543$6,393,510$4,255,607$14,589,688
54$25,240,052$6,650,938$4,342,316$15,825,774
55$27,756,924$6,919,221$4,430,170$17,179,096
56$30,528,703$7,198,835$4,519,153$18,661,285
57$33,581,330$7,490,278$4,609,244$20,285,140
58$36,943,395$7,794,070$4,700,423$22,064,756
59$40,646,399$8,110,757$4,792,665$24,015,649
60$44,725,054$8,440,907$4,885,942$26,154,905
61$49,217,613$8,785,115$4,980,224$28,501,335
62$54,166,227$9,144,003$5,075,480$31,075,655
63$59,617,345$9,518,222$5,171,671$33,900,674
64$65,622,152$9,908,452$5,268,759$37,001,513
65$72,237,049$10,315,404$5,366,700$40,405,836
66$79,524,191$10,739,822$5,465,447$44,144,108
67$87,552,069$11,182,483$5,564,950$48,249,885
68$96,396,157$11,644,202$5,665,153$52,760,122
69$106,139,626$12,125,829$5,765,997$57,715,523
70$116,874,128$12,628,255$5,867,418$63,160,921
71$128,700,659$13,152,409$5,969,346$69,145,697
72$141,730,515$13,699,266$6,071,708$75,724,247
73$156,086,342$14,269,845$6,174,425$82,956,488
74$171,903,291$14,865,210$6,277,411$90,908,421
75$189,330,298$15,486,476$6,380,575$99,652,754
76$208,531,485$16,134,810$6,483,821$109,269,578
77$229,687,712$16,811,432$6,587,045$119,847,126
78$252,998,284$17,517,617$6,690,136$131,482,599
79$278,682,831$18,254,702$6,792,977$144,283,076
80$306,983,381$19,024,084$6,895,443$158,366,528
81$338,166,647$19,827,225$6,997,402$173,862,918
82$372,526,541$20,665,655$7,098,711$190,915,431
83$410,386,951$21,540,975$7,199,221$209,681,816
84$452,104,799$22,454,861$7,298,773$230,335,872
85$498,073,405$23,409,067$7,397,199$253,069,082
86$548,726,208$24,405,427$7,494,321$278,092,413
87$604,540,851$25,445,862$7,589,950$305,638,308
88$666,043,691$26,532,382$7,683,887$335,962,867
89$733,814,770$27,667,092$7,775,920$369,348,261
90$808,493,290$28,852,193$7,865,826$406,105,391
91$890,783,646$30,089,990$7,953,372$446,576,812
92$981,462,075$31,382,897$8,038,307$491,139,961
93$1,081,383,986$32,733,439$8,120,370$540,210,714
94$1,191,492,035$34,144,260$8,199,285$594,247,301
95$1,312,825,022$35,618,128$8,274,760$653,754,626
96$1,446,527,699$37,157,940$8,346,489$719,289,021
97$1,593,861,576$38,766,731$8,414,148$791,463,495
98$1,756,216,833$40,447,677$8,477,398$870,953,503
99$1,935,125,439$42,204,102$8,535,880$958,503,320
100$2,132,275,619$44,039,488$8,589,217$1,054,933,052