Can I retire at age 30 with 2,750,000?

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 $2,750,000?

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$227,092$225,070$223,096$221,170$219,289$210,838
2 years$112,422$110,328$108,299$106,332$104,423$96,010
3 years$74,204$72,101$70,077$68,128$66,250$58,140
4 years$55,098$53,002$50,998$49,082$47,250$39,504
5 years$43,638$41,554$39,576$37,700$35,919$28,556
6 years$36,000$33,932$31,984$30,149$28,421$21,448
7 years$30,547$28,496$26,579$24,787$23,114$16,527
8 years$26,458$24,426$22,541$20,793$19,175$12,969
9 years$23,280$21,268$19,414$17,711$16,149$10,313
10 years$20,740$18,746$16,926$15,267$13,759$8,284
11 years$18,662$16,689$14,901$13,287$11,834$6,706
12 years$16,932$14,979$13,224$11,655$10,255$5,462
13 years$15,469$13,537$11,815$10,289$8,942$4,470
14 years$14,216$12,304$10,616$9,134$7,839$3,672
15 years$13,132$11,240$9,585$8,146$6,902$3,026
16 years$12,184$10,313$8,690$7,293$6,100$2,500
17 years$11,348$9,498$7,908$6,553$5,409$2,070
18 years$10,606$8,776$7,219$5,906$4,809$1,717
19 years$9,943$8,134$6,608$5,336$4,286$1,426
20 years$9,346$7,558$6,065$4,833$3,829$1,185
21 years$8,808$7,040$5,578$4,386$3,426$986
22 years$8,319$6,572$5,141$3,988$3,071$822
23 years$7,873$6,146$4,747$3,632$2,757$685
24 years$7,465$5,759$4,390$3,313$2,478$571
25 years$7,090$5,404$4,066$3,025$2,230$476
26 years$6,744$5,079$3,771$2,766$2,008$398
27 years$6,425$4,780$3,502$2,532$1,811$332
28 years$6,129$4,504$3,256$2,320$1,634$277
29 years$5,854$4,249$3,030$2,127$1,475$231
30 years$5,598$4,013$2,822$1,952$1,333$193
31 years$5,359$3,794$2,631$1,793$1,205$162
32 years$5,135$3,590$2,455$1,648$1,090$135
33 years$4,925$3,399$2,292$1,515$987$113
34 years$4,728$3,222$2,141$1,394$893$94
35 years$4,542$3,056$2,002$1,284$809$79
36 years$4,368$2,900$1,873$1,182$733$66
37 years$4,203$2,755$1,753$1,089$664$55
38 years$4,047$2,618$1,642$1,004$602$46
39 years$3,899$2,489$1,538$926$546$38
40 years$3,760$2,369$1,442$854$495$32
41 years$3,627$2,255$1,352$788$449$27
42 years$3,501$2,147$1,268$727$408$22
43 years$3,381$2,046$1,190$671$370$19
44 years$3,267$1,950$1,117$620$336$16
45 years$3,159$1,860$1,049$572$305$13
46 years$3,055$1,774$985$529$277$11
47 years$2,956$1,693$925$488$251$9
48 years$2,862$1,616$870$451$228$8
49 years$2,771$1,543$817$417$207$6
50 years$2,685$1,474$768$385$188$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,750,000, adding $4,053 every year, while hoping to spend $26,396 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: 35/36/29 Blend
29$2,750,000$2,750,000$2,750,000$2,750,000
30$3,034,681$2,888,931$2,846,306$3,114,269
31$3,316,133$3,002,403$2,913,572$3,287,872
32$3,625,409$3,120,551$2,982,207$3,472,404
33$3,965,318$3,243,576$3,052,228$3,671,010
34$4,338,957$3,371,687$3,123,654$3,884,969
35$4,749,736$3,505,105$3,196,502$4,115,685
36$5,201,413$3,644,059$3,270,789$4,364,700
37$5,698,128$3,788,789$3,346,531$4,633,705
38$6,244,442$3,939,545$3,423,745$4,924,559
39$6,845,381$4,096,589$3,502,446$5,239,304
40$7,506,482$4,260,193$3,582,650$5,580,185
41$8,233,846$4,430,646$3,664,372$5,949,665
42$9,034,194$4,608,244$3,747,624$6,350,456
43$9,914,934$4,793,299$3,832,422$6,785,535
44$10,884,225$4,986,139$3,918,776$7,258,178
45$11,951,061$5,187,105$4,006,700$7,771,984
46$13,125,347$5,396,551$4,096,203$8,330,913
47$14,418,003$5,614,852$4,187,295$8,939,320
48$15,841,056$5,842,397$4,279,987$9,601,994
49$17,407,762$6,079,592$4,374,284$10,324,204
50$19,132,725$6,326,864$4,470,194$11,111,746
51$21,032,040$6,584,657$4,567,723$11,970,996
52$23,123,440$6,853,438$4,666,874$12,908,972
53$25,426,466$7,133,691$4,767,649$13,933,395
54$27,962,651$7,425,927$4,870,050$15,052,763
55$30,755,721$7,730,677$4,974,077$16,276,428
56$33,831,821$8,048,497$5,079,725$17,614,683
57$37,219,763$8,379,970$5,186,992$19,078,860
58$40,951,294$8,725,703$5,295,871$20,681,432
59$45,061,397$9,086,334$5,406,354$22,436,129
60$49,588,622$9,462,527$5,518,429$24,358,069
61$54,575,449$9,854,978$5,632,085$26,463,895
62$60,068,690$10,264,417$5,747,304$28,771,933
63$66,119,927$10,691,604$5,864,070$31,302,361
64$72,786,004$11,137,337$5,982,360$34,077,397
65$80,129,559$11,602,449$6,102,152$37,121,509
66$88,219,617$12,087,812$6,223,417$40,461,642
67$97,132,241$12,594,338$6,346,125$44,127,468
68$106,951,251$13,122,982$6,470,241$48,151,668
69$117,769,013$13,674,743$6,595,729$52,570,231
70$129,687,311$14,250,664$6,722,545$57,422,800
71$142,818,311$14,851,841$6,850,644$62,753,036
72$157,285,614$15,479,416$6,979,976$68,609,028
73$173,225,427$16,134,588$7,110,485$75,043,747
74$190,787,846$16,818,608$7,242,112$82,115,541
75$210,138,274$17,532,788$7,374,791$89,888,682
76$231,458,984$18,278,500$7,508,452$98,433,969
77$254,950,834$19,057,180$7,643,019$107,829,393
78$280,835,168$19,870,331$7,778,409$118,160,870
79$309,355,904$20,719,526$7,914,534$129,523,046
80$340,781,834$21,606,411$8,051,300$142,020,188
81$375,409,166$22,532,710$8,188,603$155,767,165
82$413,564,315$23,500,227$8,326,335$170,890,522
83$455,606,986$24,510,849$8,464,378$187,529,676
84$501,933,572$25,566,554$8,602,608$205,838,226
85$552,980,891$26,669,410$8,740,890$225,985,394
86$609,230,315$27,821,584$8,879,084$248,157,620
87$671,212,310$29,025,345$9,017,035$272,560,317
88$739,511,444$30,283,065$9,154,585$299,419,801
89$814,771,908$31,597,231$9,291,559$328,985,423
90$897,703,592$32,970,446$9,427,777$361,531,919
91$989,088,795$34,405,434$9,563,044$397,361,989
92$1,089,789,601$35,905,049$9,697,154$436,809,158
93$1,200,756,022$37,472,278$9,829,890$480,240,908
94$1,323,034,966$39,110,249$9,961,021$528,062,144
95$1,457,780,120$40,822,239$10,090,303$580,719,007
96$1,606,262,840$42,611,677$10,217,477$638,703,078
97$1,769,884,157$44,482,156$10,342,269$702,556,008
98$1,950,187,996$46,437,437$10,464,391$772,874,625
99$2,148,875,761$48,481,460$10,583,537$850,316,556
100$2,367,822,388$50,618,351$10,699,384$935,606,426