Can I retire at age 30 with 4,000,000?

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 $4,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$330,316$327,374$324,503$321,702$318,966$315,635
2 years$163,523$160,477$157,526$154,664$151,888$148,534
3 years$107,932$104,874$101,930$99,095$96,364$93,090
4 years$80,143$77,093$74,179$71,392$68,728$65,560
5 years$63,473$60,442$57,566$54,836$52,246$49,193
6 years$52,364$49,356$46,522$43,853$41,340$38,406
7 years$44,431$41,449$38,660$36,054$33,621$30,807
8 years$38,485$35,529$32,787$30,245$27,892$25,198
9 years$33,863$30,935$28,239$25,762$23,489$20,914
10 years$30,167$27,267$24,619$22,207$20,014$17,556
11 years$27,145$24,274$21,675$19,327$17,212$14,870
12 years$24,628$21,787$19,236$16,952$14,916$12,687
13 years$22,501$19,689$17,186$14,966$13,007$10,888
14 years$20,678$17,897$15,441$13,285$11,402$9,390
15 years$19,101$16,349$13,942$11,848$10,039$8,132
16 years$17,722$15,000$12,640$10,609$8,873$7,067
17 years$16,506$13,815$11,502$9,532$7,867$6,159
18 years$15,426$12,765$10,500$8,590$6,995$5,381
19 years$14,462$11,831$9,612$7,762$6,235$4,712
20 years$13,595$10,994$8,821$7,030$5,569$4,133
21 years$12,811$10,240$8,114$6,380$4,984$3,632
22 years$12,100$9,559$7,478$5,801$4,467$3,196
23 years$11,451$8,940$6,905$5,283$4,010$2,815
24 years$10,858$8,376$6,386$4,818$3,604$2,483
25 years$10,313$7,861$5,915$4,400$3,243$2,192
26 years$9,810$7,388$5,486$4,024$2,921$1,936
27 years$9,346$6,953$5,094$3,683$2,634$1,712
28 years$8,915$6,552$4,735$3,374$2,377$1,514
29 years$8,515$6,181$4,407$3,094$2,146$1,340
30 years$8,142$5,837$4,105$2,840$1,939$1,187
31 years$7,794$5,518$3,827$2,608$1,753$1,051
32 years$7,469$5,221$3,570$2,397$1,586$932
33 years$7,163$4,945$3,334$2,204$1,435$826
34 years$6,877$4,686$3,115$2,028$1,299$733
35 years$6,607$4,445$2,912$1,867$1,177$650
36 years$6,353$4,219$2,724$1,719$1,066$577
37 years$6,113$4,007$2,550$1,584$966$512
38 years$5,886$3,808$2,388$1,460$876$454
39 years$5,672$3,621$2,237$1,346$795$403
40 years$5,469$3,445$2,097$1,242$721$358
41 years$5,276$3,279$1,966$1,146$654$318
42 years$5,093$3,123$1,844$1,057$593$282
43 years$4,918$2,976$1,731$976$538$251
44 years$4,753$2,837$1,624$901$489$223
45 years$4,595$2,705$1,525$832$444$198
46 years$4,444$2,580$1,433$769$403$176
47 years$4,300$2,462$1,346$710$366$156
48 years$4,163$2,351$1,265$656$332$139
49 years$4,031$2,245$1,189$607$302$123
50 years$3,905$2,144$1,118$561$274$110

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $4,000,000, adding $5,597 every year, while hoping to spend $41,445 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: 41/47/12 Blend
29$4,000,000$4,000,000$4,000,000$4,000,000
30$4,413,773$4,201,773$4,139,773$4,578,848
31$4,819,881$4,363,563$4,234,359$4,857,268
32$5,266,023$4,531,891$4,330,723$5,153,882
33$5,756,238$4,707,035$4,428,884$5,473,994
34$6,294,977$4,889,283$4,528,854$5,819,761
35$6,887,143$5,078,936$4,630,649$6,193,548
36$7,538,138$5,276,310$4,734,282$6,597,953
37$8,253,912$5,481,733$4,839,764$7,035,827
38$9,041,022$5,695,549$4,947,107$7,510,304
39$9,906,691$5,918,116$5,056,320$8,024,827
40$10,858,878$6,149,808$5,167,412$8,583,175
41$11,906,352$6,391,017$5,280,388$9,189,506
42$13,058,774$6,642,151$5,395,256$9,848,386
43$14,326,790$6,903,637$5,512,017$10,564,837
44$15,722,127$7,175,920$5,630,675$11,344,377
45$17,257,710$7,459,466$5,751,229$12,193,075
46$18,947,779$7,754,762$5,873,677$13,117,605
47$20,808,022$8,062,315$5,998,015$14,125,306
48$22,855,729$8,382,657$6,124,237$15,224,250
49$25,109,948$8,716,343$6,252,334$16,423,317
50$27,591,671$9,063,951$6,382,294$17,732,275
51$30,324,025$9,426,088$6,514,105$19,161,871
52$33,332,496$9,803,387$6,647,748$20,723,931
53$36,645,167$10,196,509$6,783,204$22,431,466
54$40,292,982$10,606,147$6,920,449$24,298,795
55$44,310,039$11,033,021$7,059,458$26,341,679
56$48,733,913$11,477,889$7,200,199$28,577,463
57$53,606,005$11,941,538$7,342,639$31,025,238
58$58,971,940$12,424,796$7,486,740$33,706,021
59$64,881,991$12,928,524$7,632,458$36,642,946
60$71,391,556$13,453,624$7,779,748$39,861,483
61$78,561,683$14,001,040$7,928,558$43,389,673
62$86,459,641$14,571,757$8,078,831$47,258,388
63$95,159,558$15,166,807$8,230,505$51,501,623
64$104,743,118$15,787,266$8,383,513$56,156,806
65$115,300,337$16,434,262$8,537,781$61,265,155
66$126,930,404$17,108,974$8,693,229$66,872,059
67$139,742,625$17,812,633$8,849,772$73,027,500
68$153,857,450$18,546,530$9,007,317$79,786,524
69$169,407,612$19,312,012$9,165,764$87,209,755
70$186,539,376$20,110,488$9,325,005$95,363,962
71$205,413,924$20,943,433$9,484,924$104,322,681
72$226,208,873$21,812,390$9,645,398$114,166,909
73$249,119,953$22,718,972$9,806,293$124,985,861
74$274,362,853$23,664,867$9,967,469$136,877,803
75$302,175,257$24,651,839$10,128,773$149,950,979
76$332,819,090$25,681,735$10,290,043$164,324,620
77$366,582,986$26,756,488$10,451,108$180,130,071
78$403,785,013$27,878,120$10,611,783$197,512,014
79$444,775,680$29,048,743$10,771,874$216,629,835
80$489,941,240$30,270,572$10,931,172$237,659,117
81$539,707,338$31,545,922$11,089,458$260,793,289
82$594,543,029$32,877,214$11,246,497$286,245,445
83$654,965,205$34,266,985$11,402,042$314,250,347
84$721,543,475$35,717,886$11,555,829$345,066,631
85$794,905,540$37,232,693$11,707,580$378,979,240
86$875,743,123$38,814,312$11,857,001$416,302,104
87$964,818,490$40,465,783$12,003,780$457,381,091
88$1,062,971,657$42,190,287$12,147,587$502,597,265
89$1,171,128,310$43,991,155$12,288,075$552,370,470
90$1,290,308,548$45,871,872$12,424,876$607,163,279
91$1,421,636,512$47,836,086$12,557,601$667,485,353
92$1,566,350,998$49,887,616$12,685,843$733,898,238
93$1,725,817,150$52,030,459$12,809,169$807,020,650
94$1,901,539,348$54,268,800$12,927,124$887,534,306
95$2,095,175,408$56,607,018$13,039,230$976,190,341
96$2,308,552,237$59,049,699$13,144,981$1,073,816,386
97$2,543,683,073$61,601,643$13,243,847$1,181,324,365
98$2,802,786,498$64,267,875$13,335,267$1,299,719,085
99$3,088,307,377$67,053,656$13,418,654$1,430,107,708
100$3,402,939,940$69,964,496$13,493,389$1,573,710,181