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

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 $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%18.1%
1 years$322,058$319,190$316,391$313,659$310,991$300,796
2 years$159,435$156,466$153,588$150,798$148,091$137,916
3 years$105,234$102,252$99,381$96,617$93,955$84,121
4 years$78,139$75,166$72,324$69,607$67,010$57,591
5 years$61,886$58,931$56,127$53,465$50,940$41,962
6 years$51,055$48,122$45,359$42,757$40,307$31,777
7 years$43,321$40,412$37,693$35,153$32,780$24,698
8 years$37,523$34,641$31,967$29,489$27,194$19,553
9 years$33,016$30,161$27,533$25,118$22,902$15,693
10 years$29,412$26,586$24,004$21,652$19,513$12,725
11 years$26,466$23,668$21,133$18,843$16,782$10,403
12 years$24,013$21,243$18,755$16,528$14,543$8,558
13 years$21,938$19,197$16,756$14,592$12,682$7,076
14 years$20,161$17,450$15,055$12,953$11,117$5,874
15 years$18,623$15,941$13,593$11,552$9,788$4,893
16 years$17,278$14,625$12,324$10,343$8,651$4,087
17 years$16,093$13,469$11,214$9,294$7,670$3,421
18 years$15,041$12,446$10,237$8,375$6,820$2,869
19 years$14,100$11,535$9,372$7,568$6,079$2,410
20 years$13,255$10,719$8,601$6,854$5,430$2,027
21 years$12,491$9,984$7,911$6,221$4,859$1,706
22 years$11,797$9,320$7,291$5,656$4,355$1,438
23 years$11,165$8,717$6,732$5,151$3,910$1,213
24 years$10,586$8,167$6,226$4,698$3,514$1,023
25 years$10,055$7,664$5,767$4,290$3,162$864
26 years$9,565$7,203$5,348$3,923$2,848$730
27 years$9,112$6,779$4,966$3,591$2,568$617
28 years$8,692$6,388$4,617$3,290$2,317$521
29 years$8,302$6,026$4,296$3,017$2,092$441
30 years$7,939$5,691$4,002$2,769$1,891$373
31 years$7,599$5,380$3,731$2,543$1,709$315
32 years$7,282$5,091$3,481$2,337$1,546$267
33 years$6,984$4,821$3,250$2,149$1,399$226
34 years$6,705$4,569$3,037$1,977$1,267$191
35 years$6,442$4,334$2,839$1,820$1,147$162
36 years$6,194$4,113$2,656$1,676$1,040$137
37 years$5,960$3,907$2,486$1,545$942$116
38 years$5,739$3,713$2,328$1,424$854$98
39 years$5,530$3,531$2,181$1,313$775$83
40 years$5,332$3,359$2,044$1,211$703$70
41 years$5,144$3,197$1,917$1,117$637$59
42 years$4,965$3,045$1,798$1,031$578$50
43 years$4,795$2,901$1,687$952$525$43
44 years$4,634$2,766$1,584$879$477$36
45 years$4,480$2,637$1,487$812$433$31
46 years$4,333$2,516$1,397$750$393$26
47 years$4,193$2,401$1,312$693$357$22
48 years$4,059$2,292$1,233$640$324$19
49 years$3,930$2,189$1,159$591$294$16
50 years$3,808$2,091$1,090$547$267$13

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 $2,053 every year, while hoping to spend $35,215 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: 61/9/30 Blend
29$3,900,000$3,900,000$3,900,000$3,900,000
30$4,299,918$4,093,218$4,032,768$4,527,129
31$4,701,041$4,256,317$4,130,397$4,845,475
32$5,141,898$4,426,228$4,230,116$5,188,878
33$5,626,506$4,603,247$4,331,959$5,563,023
34$6,159,287$4,787,684$4,435,958$5,970,923
35$6,745,117$4,979,863$4,542,145$6,415,896
36$7,389,366$5,180,123$4,650,554$6,901,594
37$8,097,949$5,388,817$4,761,215$7,432,037
38$8,877,387$5,606,316$4,874,163$8,011,653
39$9,734,861$5,833,005$4,989,427$8,645,316
40$10,678,284$6,069,290$5,107,041$9,338,394
41$11,716,376$6,315,593$5,227,034$10,096,797
42$12,858,745$6,572,355$5,349,438$10,927,036
43$14,115,974$6,840,038$5,474,282$11,836,278
44$15,499,729$7,119,125$5,601,595$12,832,419
45$17,022,861$7,410,122$5,731,408$13,924,155
46$18,699,529$7,713,555$5,863,747$15,121,064
47$20,545,339$8,029,976$5,998,640$16,433,695
48$22,577,483$8,359,964$6,136,114$17,873,670
49$24,814,905$8,704,122$6,276,193$19,453,787
50$27,278,483$9,063,081$6,418,903$21,188,147
51$29,991,217$9,437,501$6,564,265$23,092,283
52$32,978,456$9,828,073$6,712,302$25,183,306
53$36,268,129$10,235,520$6,863,035$27,480,065
54$39,891,014$10,660,596$7,016,483$30,003,328
55$43,881,024$11,104,092$7,172,662$32,775,971
56$48,275,531$11,566,835$7,331,589$35,823,200
57$53,115,716$12,049,690$7,493,277$39,172,783
58$58,446,955$12,553,561$7,657,738$42,855,313
59$64,319,254$13,079,395$7,824,982$46,904,497
60$70,787,715$13,628,183$7,995,016$51,357,472
61$77,913,057$14,200,959$8,167,845$56,255,153
62$85,762,192$14,798,809$8,343,470$61,642,624
63$94,408,852$15,422,867$8,521,893$67,569,556
64$103,934,287$16,074,320$8,703,108$74,090,677
65$114,428,032$16,754,409$8,887,110$81,266,291
66$125,988,751$17,464,435$9,073,888$89,162,841
67$138,725,169$18,205,757$9,263,428$97,853,539
68$152,757,096$18,979,800$9,455,714$107,419,054
69$168,216,562$19,788,052$9,650,722$117,948,270
70$185,249,059$20,632,073$9,848,428$129,539,132
71$204,014,913$21,513,496$10,048,801$142,299,559
72$224,690,804$22,434,027$10,251,806$156,348,468
73$247,471,427$23,395,454$10,457,402$171,816,894
74$272,571,331$24,399,650$10,665,543$188,849,225
75$300,226,946$25,448,573$10,876,178$207,604,562
76$330,698,814$26,544,273$11,089,250$228,258,224
77$364,274,048$27,688,897$11,304,695$251,003,396
78$401,269,040$28,884,692$11,522,441$276,052,953
79$442,032,451$30,134,011$11,742,412$303,641,473
80$486,948,500$31,439,316$11,964,522$334,027,439
81$536,440,592$32,803,187$12,188,678$367,495,689
82$590,975,312$34,228,323$12,414,778$404,360,095
83$651,066,833$35,717,550$12,642,713$444,966,526
84$717,281,769$37,273,829$12,872,362$489,696,116
85$790,244,521$38,900,259$13,103,598$538,968,851
86$870,643,174$40,600,083$13,336,281$593,247,540
87$959,235,992$42,376,701$13,570,260$653,042,178
88$1,056,858,574$44,233,671$13,805,375$718,914,759
89$1,164,431,746$46,174,718$14,041,452$791,484,576
90$1,282,970,250$48,203,745$14,278,307$871,434,073
91$1,413,592,325$50,324,838$14,515,739$959,515,277
92$1,557,530,263$52,542,276$14,753,538$1,056,556,897
93$1,716,142,044$54,860,541$14,991,475$1,163,472,149
94$1,890,924,153$57,284,328$15,229,310$1,281,267,368
95$2,083,525,709$59,818,553$15,466,785$1,411,051,509
96$2,295,764,033$62,468,364$15,703,624$1,554,046,615
97$2,529,641,806$65,239,156$15,939,537$1,711,599,347
98$2,787,365,972$68,136,576$16,174,213$1,885,193,693
99$3,071,368,574$71,166,541$16,407,322$2,076,464,980
100$3,384,329,718$74,335,250$16,638,516$2,287,215,305