Can I retire at age 30 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$429,411$425,586$421,854$418,212$414,655$398,992
2 years$212,580$208,621$204,784$201,063$197,455$181,856
3 years$140,312$136,336$132,509$128,823$125,274$110,230
4 years$104,185$100,221$96,432$92,810$89,346$74,972
5 years$82,515$78,575$74,835$71,287$67,919$54,253
6 years$68,073$64,162$60,478$57,009$53,742$40,792
7 years$57,761$53,883$50,258$46,870$43,707$31,470
8 years$50,031$46,188$42,622$39,318$36,259$24,723
9 years$44,021$40,215$36,711$33,490$30,535$19,685
10 years$39,217$35,447$32,005$28,869$26,018$15,832
11 years$35,288$31,557$28,177$25,125$22,376$12,833
12 years$32,017$28,324$25,006$22,038$19,391$10,466
13 years$29,251$25,596$22,341$19,456$16,909$8,577
14 years$26,882$23,266$20,074$17,271$14,822$7,057
15 years$24,831$21,254$18,124$15,403$13,051$5,824
16 years$23,038$19,500$16,432$13,791$11,534$4,819
17 years$21,458$17,959$14,953$12,391$10,227$3,995
18 years$20,054$16,595$13,650$11,167$9,093$3,318
19 years$18,800$15,380$12,496$10,090$8,105$2,760
20 years$17,673$14,292$11,468$9,139$7,240$2,298
21 years$16,655$13,312$10,548$8,294$6,479$1,916
22 years$15,730$12,427$9,722$7,541$5,807$1,598
23 years$14,887$11,622$8,976$6,868$5,213$1,334
24 years$14,115$10,889$8,302$6,264$4,686$1,114
25 years$13,406$10,219$7,689$5,721$4,216$931
26 years$12,753$9,604$7,131$5,231$3,798$778
27 years$12,149$9,039$6,622$4,788$3,424$651
28 years$11,590$8,517$6,156$4,387$3,090$544
29 years$11,070$8,035$5,729$4,023$2,790$455
30 years$10,585$7,588$5,336$3,692$2,521$381
31 years$10,133$7,173$4,975$3,391$2,279$319
32 years$9,709$6,787$4,641$3,116$2,062$267
33 years$9,312$6,428$4,334$2,865$1,866$223
34 years$8,940$6,092$4,049$2,636$1,689$187
35 years$8,589$5,778$3,786$2,427$1,530$156
36 years$8,259$5,484$3,541$2,235$1,386$131
37 years$7,947$5,209$3,315$2,059$1,256$110
38 years$7,652$4,950$3,104$1,898$1,139$92
39 years$7,373$4,707$2,908$1,750$1,033$77
40 years$7,109$4,479$2,726$1,614$937$64
41 years$6,859$4,263$2,556$1,489$850$54
42 years$6,620$4,060$2,398$1,375$771$45
43 years$6,394$3,869$2,250$1,269$700$38
44 years$6,178$3,688$2,112$1,172$635$32
45 years$5,973$3,516$1,983$1,082$577$27
46 years$5,777$3,354$1,862$999$524$22
47 years$5,590$3,201$1,750$923$476$19
48 years$5,411$3,056$1,644$853$432$16
49 years$5,241$2,918$1,545$789$392$13
50 years$5,077$2,788$1,453$729$356$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $5,200,000, adding $5,362 every year, while hoping to spend $33,690 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: 62/16/22 Blend
29$5,200,000$5,200,000$5,200,000$5,200,000
30$5,735,931$5,460,331$5,379,731$6,058,235
31$6,285,150$5,692,041$5,524,106$6,508,446
32$6,889,260$5,933,976$5,672,188$6,995,563
33$7,553,825$6,186,601$5,824,067$7,526,645
34$8,284,974$6,450,404$5,979,832$8,105,982
35$9,089,461$6,725,893$6,139,576$8,738,296
36$9,974,727$7,013,603$6,303,393$9,428,782
37$10,948,972$7,314,092$6,471,380$10,183,158
38$12,021,230$7,627,946$6,643,634$11,007,716
39$13,201,455$7,955,775$6,820,255$11,909,385
40$14,500,616$8,298,220$7,001,346$12,895,788
41$15,930,799$8,655,953$7,187,011$13,975,320
42$17,505,321$9,029,675$7,377,356$15,157,221
43$19,238,856$9,420,121$7,572,490$16,451,666
44$21,147,573$9,828,061$7,772,522$17,869,856
45$23,249,289$10,254,299$7,977,565$19,424,126
46$25,563,637$10,699,681$8,187,734$21,128,057
47$28,112,251$11,165,088$8,403,146$22,996,605
48$30,918,969$11,651,445$8,623,920$25,046,240
49$34,010,058$12,159,721$8,850,176$27,295,099
50$37,414,466$12,690,930$9,082,039$29,763,158
51$41,164,088$13,246,131$9,319,634$32,472,416
52$45,294,072$13,826,439$9,563,088$35,447,104
53$49,843,148$14,433,015$9,812,533$38,713,909
54$54,853,996$15,067,080$10,068,099$42,302,226
55$60,373,647$15,729,909$10,329,924$46,244,433
56$66,453,924$16,422,841$10,598,142$50,576,195
57$73,151,939$17,147,274$10,872,894$55,336,797
58$80,530,622$17,904,676$11,154,321$60,569,517
59$88,659,321$18,696,581$11,442,567$66,322,027
60$97,614,458$19,524,599$11,737,778$72,646,842
61$107,480,242$20,390,414$12,040,104$79,601,817
62$118,349,474$21,295,792$12,349,694$87,250,685
63$130,324,414$22,242,579$12,666,703$95,663,662
64$143,517,752$23,232,713$12,991,285$104,918,101
65$158,053,667$24,268,221$13,323,598$115,099,224
66$174,069,006$25,351,228$13,663,802$126,300,923
67$191,714,565$26,483,959$14,012,060$138,626,638
68$211,156,523$27,668,745$14,368,537$152,190,338
69$232,578,003$28,908,028$14,733,398$167,117,589
70$256,180,805$30,204,367$15,106,812$183,546,736
71$282,187,308$31,560,442$15,488,951$201,630,206
72$310,842,570$32,979,060$15,879,987$221,535,945
73$342,416,641$34,463,164$16,280,097$243,448,994
74$377,207,115$36,015,835$16,689,456$267,573,239
75$415,541,931$37,640,302$17,108,243$294,133,326
76$457,782,479$39,339,948$17,536,641$323,376,778
77$504,327,005$41,118,317$17,974,830$355,576,330
78$555,614,369$42,979,125$18,422,997$391,032,495
79$612,128,193$44,926,261$18,881,326$430,076,399
80$674,401,425$46,963,803$19,350,006$473,072,899
81$743,021,364$49,096,024$19,829,226$520,424,023
82$818,635,214$51,327,400$20,319,176$572,572,762
83$901,956,185$53,662,621$20,820,047$630,007,240
84$993,770,231$56,106,605$21,332,034$693,265,321
85$1,094,943,467$58,664,501$21,855,329$762,939,680
86$1,206,430,346$61,341,707$22,390,128$839,683,388
87$1,329,282,670$64,143,879$22,936,626$924,216,071
88$1,464,659,519$67,076,945$23,495,020$1,017,330,700
89$1,613,838,191$70,147,118$24,065,504$1,119,901,064
90$1,778,226,266$73,360,905$24,648,278$1,232,890,015
91$1,959,374,886$76,725,131$25,243,536$1,357,358,545
92$2,158,993,406$80,246,944$25,851,476$1,494,475,801
93$2,378,965,527$83,933,838$26,472,294$1,645,530,104
94$2,621,367,081$87,793,665$27,106,186$1,811,941,109
95$2,888,485,625$91,834,657$27,753,345$1,995,273,193
96$3,182,842,043$96,065,439$28,413,966$2,197,250,216
97$3,507,214,338$100,495,052$29,088,241$2,419,771,784
98$3,864,663,863$105,132,973$29,776,360$2,664,931,170
99$4,258,564,220$109,989,131$30,478,511$2,935,035,063
100$4,692,633,110$115,073,938$31,194,880$3,232,625,336