Can I retire at age 30 with 2,600,000?

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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$214,706$212,793$210,927$209,106$207,328$199,338
2 years$106,290$104,310$102,392$100,532$98,727$90,773
3 years$70,156$68,168$66,254$64,412$62,637$54,968
4 years$52,093$50,111$48,216$46,405$44,673$37,349
5 years$41,257$39,287$37,418$35,643$33,960$26,999
6 years$34,036$32,081$30,239$28,504$26,871$20,278
7 years$28,880$26,942$25,129$23,435$21,853$15,626
8 years$25,015$23,094$21,311$19,659$18,130$12,261
9 years$22,011$20,107$18,355$16,745$15,268$9,750
10 years$19,608$17,724$16,003$14,434$13,009$7,832
11 years$17,644$15,778$14,088$12,562$11,188$6,340
12 years$16,008$14,162$12,503$11,019$9,695$5,164
13 years$14,625$12,798$11,171$9,728$8,455$4,226
14 years$13,441$11,633$10,037$8,635$7,411$3,472
15 years$12,415$10,627$9,062$7,701$6,525$2,861
16 years$11,519$9,750$8,216$6,896$5,767$2,364
17 years$10,729$8,980$7,476$6,196$5,114$1,957
18 years$10,027$8,298$6,825$5,584$4,547$1,623
19 years$9,400$7,690$6,248$5,045$4,053$1,348
20 years$8,837$7,146$5,734$4,569$3,620$1,121
21 years$8,327$6,656$5,274$4,147$3,239$933
22 years$7,865$6,213$4,861$3,771$2,904$777
23 years$7,443$5,811$4,488$3,434$2,606$647
24 years$7,058$5,445$4,151$3,132$2,343$540
25 years$6,703$5,110$3,845$2,860$2,108$450
26 years$6,377$4,802$3,566$2,615$1,899$376
27 years$6,075$4,519$3,311$2,394$1,712$314
28 years$5,795$4,259$3,078$2,193$1,545$262
29 years$5,535$4,018$2,864$2,011$1,395$219
30 years$5,292$3,794$2,668$1,846$1,260$183
31 years$5,066$3,587$2,487$1,695$1,140$153
32 years$4,855$3,394$2,321$1,558$1,031$128
33 years$4,656$3,214$2,167$1,433$933$107
34 years$4,470$3,046$2,025$1,318$845$89
35 years$4,295$2,889$1,893$1,213$765$74
36 years$4,129$2,742$1,771$1,118$693$62
37 years$3,974$2,604$1,657$1,030$628$52
38 years$3,826$2,475$1,552$949$570$44
39 years$3,687$2,354$1,454$875$516$36
40 years$3,555$2,239$1,363$807$468$30
41 years$3,429$2,132$1,278$745$425$25
42 years$3,310$2,030$1,199$687$386$21
43 years$3,197$1,934$1,125$634$350$18
44 years$3,089$1,844$1,056$586$318$15
45 years$2,986$1,758$991$541$288$12
46 years$2,889$1,677$931$500$262$10
47 years$2,795$1,601$875$462$238$9
48 years$2,706$1,528$822$427$216$7
49 years$2,620$1,459$773$394$196$6
50 years$2,539$1,394$726$364$178$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,600,000, adding $3,597 every year, while hoping to spend $53,825 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: 82/6/12 Blend
29$2,600,000$2,600,000$2,600,000$2,600,000
30$2,868,910$2,731,110$2,690,810$3,097,736
31$3,104,270$2,807,665$2,723,683$3,324,837
32$3,361,832$2,886,168$2,755,853$3,566,674
33$3,643,805$2,966,656$2,787,240$3,830,603
34$3,952,619$3,049,168$2,817,759$4,118,812
35$4,290,953$3,133,744$2,847,320$4,433,713
36$4,661,754$3,220,422$2,875,830$4,777,960
37$5,068,271$3,309,240$2,903,188$5,154,479
38$5,514,079$3,400,237$2,929,289$5,566,490
39$6,003,118$3,493,452$2,954,024$6,017,544
40$6,539,728$3,588,923$2,977,275$6,511,547
41$7,128,687$3,686,687$2,998,920$7,052,808
42$7,775,259$3,786,781$3,018,831$7,646,069
43$8,485,245$3,889,242$3,036,871$8,296,556
44$9,265,032$3,994,107$3,052,897$9,010,028
45$10,121,657$4,101,410$3,066,761$9,792,826
46$11,062,873$4,211,186$3,078,305$10,651,940
47$12,097,220$4,323,469$3,087,363$11,595,068
48$13,234,108$4,438,290$3,093,761$12,630,695
49$14,483,902$4,555,682$3,097,317$13,768,165
50$15,858,023$4,675,672$3,097,840$15,017,778
51$17,369,052$4,798,291$3,095,128$16,390,880
52$19,030,851$4,923,563$3,088,970$17,899,973
53$20,858,694$5,051,513$3,079,147$19,558,833
54$22,869,407$5,182,164$3,065,425$21,382,639
55$25,081,532$5,315,536$3,047,562$23,388,116
56$27,515,496$5,451,645$3,025,303$25,593,694
57$30,193,807$5,590,506$2,998,382$28,019,679
58$33,141,266$5,732,131$2,966,518$30,688,449
59$36,385,198$5,876,528$2,929,419$33,624,660
60$39,955,711$6,023,702$2,886,778$36,855,483
61$43,885,983$6,173,652$2,838,274$40,410,858
62$48,212,568$6,326,376$2,783,571$44,323,776
63$52,975,747$6,481,865$2,722,317$48,630,592
64$58,219,903$6,640,106$2,654,144$53,371,367
65$63,993,942$6,801,081$2,578,668$58,590,246
66$70,351,756$6,964,765$2,495,484$64,335,876
67$77,352,725$7,131,128$2,404,173$70,661,862
68$85,062,283$7,300,134$2,304,293$77,627,276
69$93,552,533$7,471,738$2,195,384$85,297,214
70$102,902,926$7,645,888$2,076,964$93,743,409
71$113,201,012$7,822,524$1,948,530$103,044,909
72$124,543,266$8,001,578$1,809,557$113,288,822
73$137,035,996$8,182,972$1,659,493$124,571,142
74$150,796,347$8,366,618$1,497,766$136,997,648
75$165,953,409$8,552,417$1,323,776$150,684,912
76$182,649,430$8,740,258$1,136,896$165,761,390
77$201,041,162$8,930,021$936,472$182,368,641
78$221,301,337$9,121,568$721,820$200,662,662
79$243,620,300$9,314,752$492,228$220,815,357
80$268,207,804$9,509,408$246,951$243,016,165
81$295,294,987$9,705,356$0$267,473,846
82$325,136,558$9,902,400$0$294,420,348
83$358,013,195$10,100,327$0$324,141,157
84$394,234,200$10,298,902$0$356,884,102
85$434,140,413$10,497,872$0$392,957,163
86$478,107,430$10,696,963$0$432,699,728
87$526,549,152$10,895,878$0$476,485,793
88$579,921,683$11,094,294$0$524,727,493
89$638,727,646$11,291,865$0$577,878,995
90$703,520,916$11,488,217$0$636,440,780
91$774,911,856$11,682,946$0$700,964,369
92$853,573,073$11,875,618$0$772,057,530
93$940,245,771$12,065,768$0$850,390,016
94$1,035,746,744$12,252,895$0$936,699,880
95$1,140,976,087$12,436,462$0$1,031,800,452
96$1,256,925,694$12,615,894$0$1,136,588,009
97$1,384,688,616$12,790,575$0$1,252,050,238
98$1,525,469,387$12,959,845$0$1,379,275,561
99$1,680,595,386$13,122,999$0$1,519,463,406
100$1,851,529,372$13,279,283$0$1,673,935,533