Can I retire at age 30 with 3,900,000?

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$322,058$319,190$316,391$313,659$310,991$301,883
2 years$159,435$156,466$153,588$150,798$148,091$138,989
3 years$105,234$102,252$99,381$96,617$93,955$85,143
4 years$78,139$75,166$72,324$69,607$67,010$58,556
5 years$61,886$58,931$56,127$53,465$50,940$42,868
6 years$51,055$48,122$45,359$42,757$40,307$32,624
7 years$43,321$40,412$37,693$35,153$32,780$25,486
8 years$37,523$34,641$31,967$29,489$27,194$20,285
9 years$33,016$30,161$27,533$25,118$22,902$16,369
10 years$29,412$26,586$24,004$21,652$19,513$13,349
11 years$26,466$23,668$21,133$18,843$16,782$10,976
12 years$24,013$21,243$18,755$16,528$14,543$9,083
13 years$21,938$19,197$16,756$14,592$12,682$7,556
14 years$20,161$17,450$15,055$12,953$11,117$6,313
15 years$18,623$15,941$13,593$11,552$9,788$5,292
16 years$17,278$14,625$12,324$10,343$8,651$4,449
17 years$16,093$13,469$11,214$9,294$7,670$3,749
18 years$15,041$12,446$10,237$8,375$6,820$3,165
19 years$14,100$11,535$9,372$7,568$6,079$2,677
20 years$13,255$10,719$8,601$6,854$5,430$2,267
21 years$12,491$9,984$7,911$6,221$4,859$1,922
22 years$11,797$9,320$7,291$5,656$4,355$1,631
23 years$11,165$8,717$6,732$5,151$3,910$1,385
24 years$10,586$8,167$6,226$4,698$3,514$1,177
25 years$10,055$7,664$5,767$4,290$3,162$1,001
26 years$9,565$7,203$5,348$3,923$2,848$852
27 years$9,112$6,779$4,966$3,591$2,568$725
28 years$8,692$6,388$4,617$3,290$2,317$617
29 years$8,302$6,026$4,296$3,017$2,092$526
30 years$7,939$5,691$4,002$2,769$1,891$448
31 years$7,599$5,380$3,731$2,543$1,709$382
32 years$7,282$5,091$3,481$2,337$1,546$325
33 years$6,984$4,821$3,250$2,149$1,399$277
34 years$6,705$4,569$3,037$1,977$1,267$236
35 years$6,442$4,334$2,839$1,820$1,147$202
36 years$6,194$4,113$2,656$1,676$1,040$172
37 years$5,960$3,907$2,486$1,545$942$147
38 years$5,739$3,713$2,328$1,424$854$125
39 years$5,530$3,531$2,181$1,313$775$107
40 years$5,332$3,359$2,044$1,211$703$91
41 years$5,144$3,197$1,917$1,117$637$78
42 years$4,965$3,045$1,798$1,031$578$66
43 years$4,795$2,901$1,687$952$525$56
44 years$4,634$2,766$1,584$879$477$48
45 years$4,480$2,637$1,487$812$433$41
46 years$4,333$2,516$1,397$750$393$35
47 years$4,193$2,401$1,312$693$357$30
48 years$4,059$2,292$1,233$640$324$26
49 years$3,930$2,189$1,159$591$294$22
50 years$3,808$2,091$1,090$547$267$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $3,900,000, adding $6,021 every year, while hoping to spend $37,441 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: 81/7/12 Blend
29$3,900,000$3,900,000$3,900,000$3,900,000
30$4,304,011$4,097,311$4,036,861$4,642,804
31$4,703,183$4,258,242$4,132,259$5,026,909
32$5,141,816$4,425,804$4,229,597$5,442,930
33$5,623,895$4,600,282$4,328,903$5,898,488
34$6,153,811$4,781,975$4,430,200$6,397,526
35$6,736,401$4,971,193$4,533,513$6,944,389
36$7,376,994$5,168,262$4,638,866$7,543,860
37$8,081,463$5,373,522$4,746,284$8,201,210
38$8,856,276$5,587,329$4,855,788$8,922,240
39$9,708,561$5,810,053$4,967,402$9,713,344
40$10,646,171$6,042,082$5,081,146$10,581,563
41$11,677,759$6,283,822$5,197,043$11,534,652
42$12,812,856$6,535,696$5,315,110$12,581,155
43$14,061,969$6,798,146$5,435,368$13,730,483
44$15,436,671$7,071,636$5,557,833$14,993,004
45$16,949,714$7,356,649$5,682,524$16,380,138
46$18,615,151$7,653,691$5,809,454$17,904,468
47$20,448,464$7,963,289$5,938,638$19,579,855
48$22,466,713$8,285,997$6,070,089$21,421,570
49$24,688,698$8,622,391$6,203,817$23,446,436
50$27,135,133$8,973,075$6,339,832$25,672,989
51$29,828,842$9,338,681$6,478,142$28,121,651
52$32,794,975$9,719,868$6,618,751$30,814,920
53$36,061,248$10,117,327$6,761,664$33,777,587
54$39,658,197$10,531,778$6,906,883$37,036,963
55$43,619,475$10,963,977$7,054,404$40,623,141
56$47,982,161$11,414,711$7,204,227$44,569,278
57$52,787,117$11,884,807$7,356,344$48,911,908
58$58,079,367$12,375,127$7,510,746$53,691,283
59$63,908,528$12,886,574$7,667,421$58,951,756
60$70,329,273$13,420,091$7,826,355$64,742,197
61$77,401,849$13,976,666$7,987,528$71,116,456
62$85,192,646$14,557,331$8,150,919$78,133,866
63$93,774,822$15,163,167$8,316,501$85,859,806
64$103,228,995$15,795,303$8,484,245$94,366,316
65$113,644,002$16,454,922$8,654,116$103,732,777
66$125,117,737$17,143,260$8,826,076$114,046,658
67$137,758,078$17,861,611$9,000,081$125,404,342
68$151,683,901$18,611,329$9,176,083$137,912,035
69$167,026,204$19,393,830$9,354,027$151,686,766
70$183,929,345$20,210,596$9,533,855$166,857,492
71$202,552,400$21,063,176$9,715,500$183,566,314
72$223,070,667$21,953,195$9,898,892$201,969,820
73$245,677,323$22,882,349$10,083,953$222,240,554
74$270,585,240$23,852,415$10,270,596$244,568,655
75$298,029,004$24,865,252$10,458,730$269,163,642
76$328,267,120$25,922,807$10,648,255$296,256,392
77$361,584,457$27,027,115$10,839,062$326,101,323
78$398,294,936$28,180,308$11,031,035$358,978,789
79$438,744,493$29,384,617$11,224,049$395,197,728
80$483,314,345$30,642,377$11,417,968$435,098,577
81$532,424,586$31,956,031$11,612,647$479,056,483
82$586,538,155$33,328,137$11,807,932$527,484,842
83$646,165,205$34,761,375$12,003,656$580,839,206
84$711,867,919$36,258,545$12,199,642$639,621,573
85$784,265,817$37,822,584$12,395,700$704,385,132
86$864,041,602$39,456,563$12,591,628$775,739,479
87$951,947,609$41,163,698$12,787,211$854,356,372
88$1,048,812,902$42,947,356$12,982,220$940,976,071
89$1,155,551,104$44,811,062$13,176,410$1,036,414,322
90$1,273,169,020$46,758,508$13,369,523$1,141,570,060
91$1,402,776,142$48,793,557$13,561,284$1,257,433,890
92$1,545,595,123$50,920,256$13,751,402$1,385,097,437
93$1,702,973,318$53,142,841$13,939,566$1,525,763,652
94$1,876,395,505$55,465,748$14,125,450$1,680,758,162
95$2,067,497,901$57,893,624$14,308,707$1,851,541,787
96$2,278,083,608$60,431,333$14,488,970$2,039,724,323
97$2,510,139,636$63,083,968$14,665,850$2,247,079,743
98$2,765,855,661$65,856,865$14,838,939$2,475,562,937
99$3,047,644,697$68,755,610$15,007,801$2,727,328,166
100$3,358,165,875$71,786,053$15,171,981$3,004,749,398