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%13.7%
1 years$206,448$204,609$202,815$201,063$199,354$196,293
2 years$102,202$100,298$98,454$96,665$94,930$91,855
3 years$67,458$65,546$63,706$61,934$60,228$57,232
4 years$50,089$48,183$46,362$44,620$42,955$40,063
5 years$39,671$37,776$35,979$34,273$32,654$29,873
6 years$32,727$30,847$29,076$27,408$25,838$23,172
7 years$27,770$25,905$24,162$22,534$21,013$18,463
8 years$24,053$22,206$20,492$18,903$17,432$14,998
9 years$21,164$19,334$17,649$16,101$14,680$12,360
10 years$18,854$17,042$15,387$13,879$12,509$10,300
11 years$16,965$15,172$13,547$12,079$10,758$8,660
12 years$15,393$13,617$12,022$10,595$9,322$7,332
13 years$14,063$12,306$10,741$9,354$8,129$6,243
14 years$12,924$11,186$9,651$8,303$7,126$5,342
15 years$11,938$10,218$8,713$7,405$6,274$4,588
16 years$11,076$9,375$7,900$6,630$5,545$3,954
17 years$10,316$8,634$7,189$5,957$4,917$3,417
18 years$9,642$7,978$6,562$5,369$4,372$2,960
19 years$9,039$7,394$6,008$4,851$3,897$2,569
20 years$8,497$6,871$5,513$4,394$3,481$2,234
21 years$8,007$6,400$5,071$3,988$3,115$1,945
22 years$7,562$5,974$4,674$3,626$2,792$1,696
23 years$7,157$5,588$4,316$3,302$2,506$1,481
24 years$6,786$5,235$3,991$3,012$2,253$1,294
25 years$6,445$4,913$3,697$2,750$2,027$1,131
26 years$6,131$4,617$3,428$2,515$1,826$990
27 years$5,841$4,346$3,184$2,302$1,646$867
28 years$5,572$4,095$2,960$2,109$1,485$759
29 years$5,322$3,863$2,754$1,934$1,341$666
30 years$5,089$3,648$2,565$1,775$1,212$584
31 years$4,871$3,449$2,392$1,630$1,096$512
32 years$4,668$3,263$2,231$1,498$991$449
33 years$4,477$3,090$2,084$1,378$897$394
34 years$4,298$2,929$1,947$1,268$812$346
35 years$4,129$2,778$1,820$1,167$736$304
36 years$3,971$2,637$1,703$1,075$666$267
37 years$3,821$2,504$1,594$990$604$235
38 years$3,679$2,380$1,492$913$548$206
39 years$3,545$2,263$1,398$841$497$181
40 years$3,418$2,153$1,310$776$450$159
41 years$3,297$2,050$1,229$716$409$140
42 years$3,183$1,952$1,153$661$371$123
43 years$3,074$1,860$1,082$610$337$108
44 years$2,970$1,773$1,015$563$305$95
45 years$2,872$1,691$953$520$277$84
46 years$2,777$1,613$895$481$252$73
47 years$2,688$1,539$841$444$229$65
48 years$2,602$1,469$791$410$208$57
49 years$2,519$1,403$743$379$189$50
50 years$2,441$1,340$699$350$171$44

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 $4,310 every year, while hoping to spend $50,217 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: 48/23/29 Blend
29$2,500,000$2,500,000$2,500,000$2,500,000
30$2,759,446$2,626,946$2,588,196$2,868,850
31$2,987,479$2,702,236$2,621,470$3,021,656
32$3,237,088$2,779,532$2,654,176$3,182,259
33$3,510,421$2,858,879$2,686,241$3,355,717
34$3,809,844$2,940,324$2,717,589$3,543,271
35$4,137,960$3,023,912$2,748,141$3,746,285
36$4,497,639$3,109,691$2,777,811$3,966,262
37$4,892,040$3,197,707$2,806,509$4,204,859
38$5,324,643$3,288,009$2,834,142$4,463,899
39$5,799,280$3,380,645$2,860,609$4,745,392
40$6,320,173$3,475,663$2,885,805$5,051,551
41$6,891,971$3,573,112$2,909,621$5,384,815
42$7,519,799$3,673,040$2,931,940$5,747,870
43$8,209,297$3,775,498$2,952,638$6,143,676
44$8,966,682$3,880,535$2,971,589$6,575,496
45$9,798,802$3,988,199$2,988,655$7,046,921
46$10,713,200$4,098,541$3,003,695$7,561,912
47$11,718,186$4,211,609$3,016,559$8,124,833
48$12,822,917$4,327,453$3,027,089$8,740,490
49$14,037,478$4,446,123$3,035,120$9,414,183
50$15,372,983$4,567,665$3,040,480$10,151,748
51$16,841,676$4,692,129$3,042,984$10,959,620
52$18,457,046$4,819,563$3,042,443$11,844,889
53$20,233,956$4,950,012$3,038,656$12,815,368
54$22,188,781$5,083,524$3,031,412$13,879,666
55$24,339,563$5,220,143$3,020,491$15,047,272
56$26,706,181$5,359,913$3,005,661$16,328,644
57$29,310,541$5,502,878$2,986,679$17,735,306
58$32,176,775$5,649,078$2,963,292$19,279,957
59$35,331,477$5,798,554$2,935,233$20,976,595
60$38,803,948$5,951,343$2,902,224$22,840,643
61$42,626,473$6,107,482$2,863,971$24,889,103
62$46,834,629$6,267,004$2,820,169$27,140,707
63$51,467,614$6,429,940$2,770,498$29,616,103
64$56,568,624$6,596,320$2,714,623$32,338,046
65$62,185,253$6,766,169$2,652,192$35,331,614
66$68,369,946$6,939,509$2,582,838$38,624,443
67$75,180,495$7,116,359$2,506,178$42,246,992
68$82,680,580$7,296,735$2,421,809$46,232,829
69$90,940,371$7,480,647$2,329,311$50,618,948
70$100,037,191$7,668,101$2,228,246$55,446,121
71$110,056,246$7,859,099$2,118,153$60,759,280
72$121,091,425$8,053,637$1,998,553$66,607,946
73$133,246,189$8,251,704$1,868,943$73,046,692
74$146,634,548$8,453,285$1,728,801$80,135,664
75$161,382,132$8,658,357$1,577,576$87,941,146
76$177,627,383$8,866,889$1,414,698$96,536,190
77$195,522,853$9,078,844$1,239,568$106,001,303
78$215,236,653$9,294,176$1,051,561$116,425,209
79$236,954,029$9,512,828$850,026$127,905,689
80$260,879,120$9,734,737$634,282$140,550,505
81$287,236,877$9,959,826$403,617$154,478,416
82$316,275,190$10,188,009$157,290$169,820,303
83$348,267,225$10,419,187$0$186,720,404
84$383,514,006$10,653,251$0$205,370,352
85$422,347,249$10,890,074$0$225,966,722
86$465,132,499$11,129,519$0$248,654,114
87$512,272,578$11,371,430$0$273,645,568
88$564,211,388$11,615,637$0$301,175,844
89$621,438,096$11,861,950$0$331,503,646
90$684,491,759$12,110,163$0$364,914,061
91$753,966,406$12,360,048$0$401,721,250
92$830,516,646$12,611,356$0$442,271,412
93$914,863,848$12,863,818$0$486,946,055
94$1,007,802,953$13,117,136$0$536,165,596
95$1,110,209,970$13,370,992$0$590,393,331
96$1,223,050,253$13,625,037$0$650,139,806
97$1,347,387,609$13,878,894$0$715,967,639
98$1,484,394,342$14,132,156$0$788,496,830
99$1,635,362,317$14,384,385$0$868,410,616
100$1,801,715,158$14,635,104$0$956,461,919