Can I retire at age 30 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$338,574$335,558$332,616$329,744$326,940$322,988
2 years$167,611$164,489$161,464$158,531$155,686$151,709
3 years$110,631$107,496$104,478$101,572$98,773$94,895
4 years$82,146$79,021$76,033$73,177$70,446$66,696
5 years$65,060$61,953$59,005$56,207$53,552$49,941
6 years$53,673$50,589$47,685$44,949$42,374$38,906
7 years$45,542$42,485$39,626$36,955$34,461$31,138
8 years$39,447$36,417$33,606$31,001$28,589$25,411
9 years$34,709$31,708$28,945$26,406$24,076$21,041
10 years$30,921$27,949$25,235$22,762$20,514$17,620
11 years$27,823$24,881$22,216$19,810$17,643$14,888
12 years$25,244$22,332$19,716$17,376$15,289$12,669
13 years$23,063$20,182$17,615$15,340$13,332$10,845
14 years$21,195$18,345$15,827$13,617$11,687$9,328
15 years$19,578$16,758$14,290$12,144$10,290$8,056
16 years$18,165$15,375$12,956$10,874$9,094$6,982
17 years$16,918$14,160$11,790$9,770$8,064$6,068
18 years$15,812$13,085$10,762$8,805$7,170$5,286
19 years$14,823$12,127$9,852$7,956$6,391$4,615
20 years$13,935$11,269$9,042$7,206$5,708$4,037
21 years$13,132$10,496$8,317$6,540$5,108$3,537
22 years$12,402$9,798$7,665$5,946$4,579$3,102
23 years$11,738$9,164$7,078$5,415$4,110$2,725
24 years$11,129$8,586$6,546$4,939$3,694$2,396
25 years$10,570$8,057$6,062$4,510$3,324$2,108
26 years$10,055$7,573$5,623$4,124$2,994$1,856
27 years$9,579$7,127$5,221$3,775$2,700$1,636
28 years$9,138$6,716$4,854$3,459$2,436$1,443
29 years$8,728$6,335$4,517$3,172$2,200$1,273
30 years$8,346$5,983$4,207$2,911$1,988$1,123
31 years$7,989$5,656$3,922$2,673$1,797$992
32 years$7,655$5,352$3,660$2,457$1,625$876
33 years$7,342$5,068$3,417$2,259$1,471$774
34 years$7,049$4,803$3,193$2,079$1,332$684
35 years$6,772$4,556$2,985$1,914$1,206$605
36 years$6,512$4,324$2,792$1,762$1,093$535
37 years$6,266$4,107$2,614$1,624$991$473
38 years$6,034$3,903$2,447$1,497$898$419
39 years$5,814$3,712$2,293$1,380$814$370
40 years$5,605$3,531$2,149$1,273$739$328
41 years$5,408$3,361$2,015$1,174$670$290
42 years$5,220$3,201$1,890$1,084$608$257
43 years$5,041$3,050$1,774$1,000$552$227
44 years$4,871$2,907$1,665$924$501$201
45 years$4,709$2,773$1,563$853$455$178
46 years$4,555$2,645$1,468$788$413$158
47 years$4,408$2,524$1,380$728$375$140
48 years$4,267$2,410$1,296$673$341$124
49 years$4,132$2,301$1,219$622$309$109
50 years$4,003$2,198$1,146$575$281$97

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $4,100,000, adding $3,969 every year, while hoping to spend $30,060 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: 85/5/10 Blend
29$4,100,000$4,100,000$4,100,000$4,100,000
30$4,522,294$4,304,994$4,241,444$4,899,804
31$4,951,584$4,483,955$4,351,549$5,326,024
32$5,423,655$4,670,678$4,464,335$5,789,755
33$5,942,837$4,865,511$4,579,859$6,298,328
34$6,513,905$5,068,818$4,698,183$6,856,238
35$7,142,115$5,280,983$4,819,364$7,468,437
36$7,833,262$5,502,402$4,943,464$8,140,379
37$8,593,730$5,733,495$5,070,545$8,878,073
38$9,430,552$5,974,698$5,200,670$9,688,136
39$10,351,478$6,226,467$5,333,902$10,577,858
40$11,365,047$6,489,283$5,470,306$11,555,269
41$12,480,668$6,763,644$5,609,948$12,629,217
42$13,708,709$7,050,076$5,752,894$13,809,447
43$15,060,593$7,349,125$5,899,211$15,106,695
44$16,548,908$7,661,366$6,048,969$16,532,789
45$18,187,522$7,987,399$6,202,236$18,100,759
46$19,991,721$8,327,853$6,359,081$19,824,962
47$21,978,343$8,683,384$6,519,577$21,721,215
48$24,165,945$9,054,682$6,683,795$23,806,942
49$26,574,977$9,442,466$6,851,807$26,101,343
50$29,227,969$9,847,491$7,023,687$28,625,570
51$32,149,750$10,270,546$7,199,508$31,402,931
52$35,367,679$10,712,458$7,379,346$34,459,103
53$38,911,904$11,174,091$7,563,277$37,822,380
54$42,815,648$11,656,350$7,751,376$41,523,935
55$47,115,517$12,160,184$7,943,720$45,598,117
56$51,851,852$12,686,586$8,140,387$50,082,774
57$57,069,105$13,236,593$8,341,454$55,019,606
58$62,816,262$13,811,294$8,547,001$60,454,562
59$69,147,301$14,411,828$8,757,106$66,438,275
60$76,121,705$15,039,387$8,971,849$73,026,530
61$83,805,022$15,695,220$9,191,309$80,280,802
62$92,269,483$16,380,635$9,415,566$88,268,826
63$101,594,684$17,096,999$9,644,701$97,065,240
64$111,868,337$17,845,748$9,878,794$106,752,287
65$123,187,100$18,628,381$10,117,926$117,420,595
66$135,657,484$19,446,472$10,362,176$129,170,023
67$149,396,864$20,301,666$10,611,626$142,110,612
68$164,534,584$21,195,687$10,866,355$156,363,616
69$181,213,177$22,130,342$11,126,444$172,062,651
70$199,589,713$23,107,520$11,391,971$189,354,951
71$219,837,279$24,129,204$11,663,017$208,402,758
72$242,146,612$25,197,466$11,939,660$229,384,854
73$266,727,905$26,314,480$12,221,977$252,498,248
74$293,812,783$27,482,522$12,510,045$277,960,032
75$323,656,496$28,703,974$12,803,940$306,009,431
76$356,540,324$29,981,334$13,103,738$336,910,059
77$392,774,235$31,317,217$13,409,510$370,952,408
78$432,699,808$32,714,362$13,721,331$408,456,588
79$476,693,462$34,175,640$14,039,269$449,775,347
80$525,170,005$35,704,055$14,363,394$495,297,401
81$578,586,550$37,302,758$14,693,772$545,451,101
82$637,446,832$38,975,048$15,030,467$600,708,475
83$702,305,963$40,724,380$15,373,542$661,589,686
84$773,775,672$42,554,375$15,723,057$728,667,936
85$852,530,078$44,468,826$16,079,066$802,574,876
86$939,312,056$46,471,709$16,441,625$884,006,574
87$1,034,940,248$48,567,185$16,810,782$973,730,075
88$1,140,316,795$50,759,619$17,186,585$1,072,590,648
89$1,256,435,847$53,053,580$17,569,075$1,181,519,759
90$1,384,392,956$55,453,857$17,958,291$1,301,543,866
91$1,525,395,410$57,965,468$18,354,266$1,433,794,103
92$1,680,773,637$60,593,671$18,757,029$1,579,516,962
93$1,851,993,761$63,343,975$19,166,603$1,740,086,054
94$2,040,671,447$66,222,152$19,583,006$1,917,015,075
95$2,248,587,148$69,234,251$20,006,250$2,111,972,097
96$2,477,702,917$72,386,609$20,436,340$2,326,795,307
97$2,730,180,932$75,685,870$20,873,274$2,563,510,366
98$3,008,403,901$79,138,992$21,317,044$2,824,349,523
99$3,314,997,566$82,753,270$21,767,631$3,111,772,691
100$3,652,855,484$86,536,345$22,225,013$3,428,490,662