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%14.3%
1 years$322,058$319,190$316,391$313,659$310,991$305,462
2 years$159,435$156,466$153,588$150,798$148,091$142,540
3 years$105,234$102,252$99,381$96,617$93,955$88,554
4 years$78,139$75,166$72,324$69,607$67,010$61,800
5 years$61,886$58,931$56,127$53,465$50,940$45,937
6 years$51,055$48,122$45,359$42,757$40,307$35,517
7 years$43,321$40,412$37,693$35,153$32,780$28,205
8 years$37,523$34,641$31,967$29,489$27,194$22,831
9 years$33,016$30,161$27,533$25,118$22,902$18,749
10 years$29,412$26,586$24,004$21,652$19,513$15,567
11 years$26,466$23,668$21,133$18,843$16,782$13,038
12 years$24,013$21,243$18,755$16,528$14,543$10,997
13 years$21,938$19,197$16,756$14,592$12,682$9,327
14 years$20,161$17,450$15,055$12,953$11,117$7,948
15 years$18,623$15,941$13,593$11,552$9,788$6,799
16 years$17,278$14,625$12,324$10,343$8,651$5,834
17 years$16,093$13,469$11,214$9,294$7,670$5,021
18 years$15,041$12,446$10,237$8,375$6,820$4,330
19 years$14,100$11,535$9,372$7,568$6,079$3,742
20 years$13,255$10,719$8,601$6,854$5,430$3,239
21 years$12,491$9,984$7,911$6,221$4,859$2,808
22 years$11,797$9,320$7,291$5,656$4,355$2,437
23 years$11,165$8,717$6,732$5,151$3,910$2,117
24 years$10,586$8,167$6,226$4,698$3,514$1,841
25 years$10,055$7,664$5,767$4,290$3,162$1,602
26 years$9,565$7,203$5,348$3,923$2,848$1,396
27 years$9,112$6,779$4,966$3,591$2,568$1,216
28 years$8,692$6,388$4,617$3,290$2,317$1,060
29 years$8,302$6,026$4,296$3,017$2,092$925
30 years$7,939$5,691$4,002$2,769$1,891$807
31 years$7,599$5,380$3,731$2,543$1,709$704
32 years$7,282$5,091$3,481$2,337$1,546$615
33 years$6,984$4,821$3,250$2,149$1,399$537
34 years$6,705$4,569$3,037$1,977$1,267$469
35 years$6,442$4,334$2,839$1,820$1,147$410
36 years$6,194$4,113$2,656$1,676$1,040$358
37 years$5,960$3,907$2,486$1,545$942$313
38 years$5,739$3,713$2,328$1,424$854$274
39 years$5,530$3,531$2,181$1,313$775$239
40 years$5,332$3,359$2,044$1,211$703$209
41 years$5,144$3,197$1,917$1,117$637$183
42 years$4,965$3,045$1,798$1,031$578$160
43 years$4,795$2,901$1,687$952$525$140
44 years$4,634$2,766$1,584$879$477$122
45 years$4,480$2,637$1,487$812$433$107
46 years$4,333$2,516$1,397$750$393$94
47 years$4,193$2,401$1,312$693$357$82
48 years$4,059$2,292$1,233$640$324$72
49 years$3,930$2,189$1,159$591$294$63
50 years$3,808$2,091$1,090$547$267$55

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 $5,085 every year, while hoping to spend $45,428 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: 39/39/22 Blend
29$3,900,000$3,900,000$3,900,000$3,900,000
30$4,303,045$4,096,345$4,035,895$4,442,512
31$4,693,621$4,248,731$4,122,763$4,696,018
32$5,122,512$4,407,061$4,211,018$4,965,289
33$5,593,581$4,571,579$4,300,659$5,255,536
34$6,111,078$4,742,538$4,391,683$5,568,691
35$6,679,689$4,920,204$4,484,085$5,906,873
36$7,304,574$5,104,851$4,577,859$6,272,413
37$7,991,420$5,296,768$4,672,996$6,667,870
38$8,746,490$5,496,255$4,769,487$7,096,057
39$9,576,686$5,703,625$4,867,319$7,560,065
40$10,489,610$5,919,205$4,966,476$8,063,292
41$11,493,640$6,143,336$5,066,943$8,609,474
42$12,598,004$6,376,372$5,168,698$9,202,720
43$13,812,872$6,618,686$5,271,722$9,847,545
44$15,149,448$6,870,665$5,375,987$10,548,919
45$16,620,076$7,132,711$5,481,467$11,312,305
46$18,238,358$7,405,248$5,588,130$12,143,715
47$20,019,279$7,688,714$5,695,941$13,049,762
48$21,979,354$7,983,570$5,804,864$14,037,723
49$24,136,777$8,290,294$5,914,855$15,115,604
50$26,511,596$8,609,386$6,025,871$16,292,216
51$29,125,903$8,941,369$6,137,861$17,577,255
52$32,004,037$9,286,789$6,250,772$18,981,394
53$35,172,821$9,646,213$6,364,545$20,516,380
54$38,661,808$10,020,237$6,479,117$22,195,144
55$42,503,565$10,409,482$6,594,420$24,031,920
56$46,733,976$10,814,594$6,710,380$26,042,380
57$51,392,583$11,236,250$6,826,919$28,243,777
58$56,522,958$11,675,158$6,943,952$30,655,106
59$62,173,114$12,132,054$7,061,389$33,297,286
60$68,395,957$12,607,710$7,179,131$36,193,346
61$75,249,787$13,102,931$7,297,074$39,368,650
62$82,798,847$13,618,557$7,415,108$42,851,126
63$91,113,930$14,155,466$7,533,114$46,671,532
64$100,273,043$14,714,576$7,650,966$50,863,742
65$110,362,149$15,296,846$7,768,529$55,465,061
66$121,475,973$15,903,276$7,885,660$60,516,578
67$133,718,899$16,534,914$8,002,206$66,063,550
68$147,205,954$17,192,851$8,118,007$72,155,823
69$162,063,891$17,878,231$8,232,890$78,848,302
70$178,432,391$18,592,247$8,346,674$86,201,466
71$196,465,373$19,336,146$8,459,167$94,281,933
72$216,332,456$20,111,232$8,570,163$103,163,089
73$238,220,551$20,918,866$8,679,448$112,925,774
74$262,335,630$21,760,474$8,786,793$123,659,041
75$288,904,670$22,637,543$8,891,956$135,460,994
76$318,177,792$23,551,628$8,994,683$148,439,710
77$350,430,626$24,504,357$9,094,703$162,714,253
78$385,966,907$25,497,428$9,191,733$178,415,793
79$425,121,349$26,532,619$9,285,473$195,688,843
80$468,262,796$27,611,787$9,375,607$214,692,613
81$515,797,712$28,736,876$9,461,800$235,602,514
82$568,174,011$29,909,915$9,543,703$258,611,799
83$625,885,288$31,133,028$9,620,945$283,933,393
84$689,475,478$32,408,437$9,693,136$311,801,887
85$759,543,988$33,738,461$9,759,868$342,475,752
86$836,751,359$35,125,531$9,820,708$376,239,772
87$921,825,500$36,572,184$9,875,204$413,407,723
88$1,015,568,556$38,081,076$9,922,878$454,325,329
89$1,118,864,485$39,654,985$9,963,231$499,373,521
90$1,232,687,399$41,296,816$9,995,736$548,972,023
91$1,358,110,760$43,009,606$10,019,839$603,583,304
92$1,496,317,515$44,796,535$10,034,962$663,716,940
93$1,648,611,263$46,660,926$10,040,494$729,934,415
94$1,816,428,557$48,606,256$10,035,796$802,854,408
95$2,001,352,472$50,636,165$10,020,197$883,158,629
96$2,205,127,545$52,754,458$9,992,995$971,598,244
97$2,429,676,245$54,965,117$9,953,450$1,069,000,953
98$2,677,117,121$57,272,307$9,900,790$1,176,278,795
99$2,949,784,804$59,680,387$9,834,203$1,294,436,748
100$3,250,252,046$62,193,917$9,752,841$1,424,582,201