Can I retire at age 30 with 2,570,000?

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 $2,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$212,228$210,338$208,493$206,693$204,935$203,218
2 years$105,063$103,107$101,210$99,372$97,588$95,858
3 years$69,347$67,381$65,490$63,668$61,914$60,224
4 years$51,492$49,532$47,660$45,870$44,158$42,520
5 years$40,781$38,834$36,986$35,232$33,568$31,989
6 years$33,644$31,711$29,890$28,175$26,561$25,042
7 years$28,547$26,631$24,839$23,165$21,601$20,143
8 years$24,727$22,828$21,065$19,432$17,920$16,522
9 years$21,757$19,875$18,144$16,552$15,092$13,754
10 years$19,382$17,519$15,818$14,268$12,859$11,580
11 years$17,440$15,596$13,926$12,417$11,059$9,839
12 years$15,824$13,998$12,359$10,892$9,583$8,421
13 years$14,457$12,650$11,042$9,616$8,357$7,250
14 years$13,286$11,499$9,921$8,536$7,326$6,274
15 years$12,272$10,505$8,957$7,612$6,450$5,451
16 years$11,386$9,638$8,121$6,816$5,701$4,753
17 years$10,605$8,876$7,390$6,124$5,055$4,157
18 years$9,912$8,202$6,746$5,519$4,494$3,645
19 years$9,292$7,601$6,176$4,987$4,006$3,203
20 years$8,735$7,064$5,668$4,517$3,578$2,820
21 years$8,231$6,579$5,213$4,099$3,202$2,487
22 years$7,774$6,142$4,805$3,727$2,870$2,197
23 years$7,358$5,744$4,436$3,394$2,576$1,943
24 years$6,976$5,382$4,103$3,096$2,316$1,720
25 years$6,626$5,051$3,800$2,827$2,084$1,524
26 years$6,303$4,747$3,524$2,585$1,877$1,352
27 years$6,005$4,467$3,273$2,366$1,692$1,200
28 years$5,728$4,209$3,042$2,168$1,527$1,066
29 years$5,471$3,971$2,831$1,988$1,379$947
30 years$5,231$3,750$2,637$1,825$1,246$842
31 years$5,008$3,545$2,459$1,676$1,126$749
32 years$4,799$3,355$2,294$1,540$1,019$667
33 years$4,602$3,177$2,142$1,416$922$593
34 years$4,418$3,011$2,001$1,303$835$528
35 years$4,245$2,856$1,871$1,199$756$471
36 years$4,082$2,711$1,750$1,105$685$419
37 years$3,928$2,574$1,638$1,018$621$374
38 years$3,782$2,447$1,534$938$563$333
39 years$3,644$2,327$1,437$865$510$297
40 years$3,514$2,213$1,347$798$463$265
41 years$3,390$2,107$1,263$736$420$236
42 years$3,272$2,007$1,185$679$381$211
43 years$3,160$1,912$1,112$627$346$188
44 years$3,054$1,822$1,044$579$314$168
45 years$2,952$1,738$980$535$285$150
46 years$2,855$1,658$920$494$259$134
47 years$2,763$1,582$865$456$235$119
48 years$2,674$1,510$813$422$213$106
49 years$2,590$1,442$764$390$194$95
50 years$2,509$1,378$718$360$176$85

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,570,000, adding $4,647 every year, while hoping to spend $50,192 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: 58/30/12 Blend
29$2,570,000$2,570,000$2,570,000$2,570,000
30$2,836,933$2,700,723$2,660,888$2,992,802
31$3,072,897$2,779,655$2,696,624$3,177,424
32$3,331,246$2,860,772$2,731,875$3,372,581
33$3,614,212$2,944,128$2,766,572$3,584,112
34$3,924,250$3,029,779$2,800,640$3,813,595
35$4,264,066$3,117,781$2,834,004$4,062,768
36$4,636,639$3,208,191$2,866,582$4,333,542
37$5,045,250$3,301,066$2,898,286$4,628,023
38$5,493,513$3,396,465$2,929,026$4,948,527
39$5,985,409$3,494,450$2,958,706$5,297,606
40$6,525,322$3,595,079$2,987,224$5,678,070
41$7,118,082$3,698,415$3,014,473$6,093,011
42$7,769,010$3,804,521$3,040,342$6,545,837
43$8,483,967$3,913,460$3,064,711$7,040,298
44$9,269,408$4,025,297$3,087,455$7,580,526
45$10,132,447$4,140,095$3,108,444$8,171,073
46$11,080,919$4,257,922$3,127,539$8,816,948
47$12,123,456$4,378,844$3,144,596$9,523,675
48$13,269,569$4,502,928$3,159,460$10,297,332
49$14,529,736$4,630,242$3,171,973$11,144,620
50$15,915,499$4,760,855$3,181,964$12,072,916
51$17,439,578$4,894,835$3,189,258$13,090,351
52$19,115,985$5,032,251$3,193,668$14,205,879
53$20,960,159$5,173,175$3,195,000$15,429,366
54$22,989,111$5,317,676$3,193,048$16,771,682
55$25,221,583$5,465,825$3,187,597$18,244,803
56$27,678,225$5,617,691$3,178,423$19,861,921
57$30,381,793$5,773,347$3,165,288$21,637,573
58$33,357,356$5,932,861$3,147,946$23,587,776
59$36,632,541$6,096,306$3,126,137$25,730,177
60$40,237,786$6,263,750$3,099,588$28,084,220
61$44,206,630$6,435,264$3,068,014$30,671,328
62$48,576,031$6,610,917$3,031,117$33,515,109
63$53,386,711$6,790,777$2,988,585$36,641,573
64$58,683,543$6,974,912$2,940,089$40,079,382
65$64,515,969$7,163,388$2,885,288$43,860,117
66$70,938,475$7,356,271$2,823,821$48,018,579
67$78,011,095$7,553,624$2,755,315$52,593,114
68$85,799,985$7,755,509$2,679,376$57,625,976
69$94,378,041$7,961,987$2,595,593$63,163,727
70$103,825,593$8,173,117$2,503,538$69,257,676
71$114,231,157$8,388,952$2,402,759$75,964,360
72$125,692,272$8,609,548$2,292,788$83,346,082
73$138,316,420$8,834,952$2,173,134$91,471,495
74$152,222,044$9,065,213$2,043,282$100,416,254
75$167,539,657$9,300,374$1,902,697$110,263,727
76$184,413,082$9,540,472$1,750,818$121,105,781
77$203,000,805$9,785,544$1,587,058$133,043,654
78$223,477,469$10,035,618$1,410,807$146,188,904
79$246,035,527$10,290,719$1,221,425$160,664,468
80$270,887,052$10,550,865$1,018,244$176,605,819
81$298,265,744$10,816,070$800,567$194,162,246
82$328,429,131$11,086,338$567,667$213,498,263
83$361,661,002$11,361,669$318,784$234,795,163
84$398,274,085$11,642,052$53,124$258,252,727
85$438,612,998$11,927,468$0$284,091,115
86$483,057,501$12,217,892$0$312,582,437
87$532,026,082$12,513,284$0$343,973,727
88$585,979,904$12,813,597$0$378,552,920
89$645,427,162$13,118,771$0$416,644,813
90$710,927,876$13,428,734$0$458,607,326
91$783,099,177$13,743,400$0$504,834,876
92$862,621,136$14,062,669$0$555,762,106
93$950,243,178$14,386,427$0$611,867,983
94$1,046,791,162$14,714,541$0$673,680,319
95$1,153,175,170$15,046,863$0$741,780,756
96$1,270,398,103$15,383,226$0$816,810,254
97$1,399,565,146$15,723,440$0$899,475,144
98$1,541,894,200$16,067,298$0$990,553,793
99$1,698,727,380$16,414,567$0$1,090,903,954
100$1,871,543,684$16,764,991$0$1,201,470,861