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%13.4%
1 years$429,411$425,586$421,854$418,212$414,655$408,796
2 years$212,580$208,621$204,784$201,063$197,455$191,563
3 years$140,312$136,336$132,509$128,823$125,274$119,533
4 years$104,185$100,221$96,432$92,810$89,346$83,800
5 years$82,515$78,575$74,835$71,287$67,919$62,584
6 years$68,073$64,162$60,478$57,009$53,742$48,625
7 years$57,761$53,883$50,258$46,870$43,707$38,808
8 years$50,031$46,188$42,622$39,318$36,259$31,579
9 years$44,021$40,215$36,711$33,490$30,535$26,071
10 years$39,217$35,447$32,005$28,869$26,018$21,766
11 years$35,288$31,557$28,177$25,125$22,376$18,334
12 years$32,017$28,324$25,006$22,038$19,391$15,552
13 years$29,251$25,596$22,341$19,456$16,909$13,269
14 years$26,882$23,266$20,074$17,271$14,822$11,376
15 years$24,831$21,254$18,124$15,403$13,051$9,791
16 years$23,038$19,500$16,432$13,791$11,534$8,456
17 years$21,458$17,959$14,953$12,391$10,227$7,323
18 years$20,054$16,595$13,650$11,167$9,093$6,357
19 years$18,800$15,380$12,496$10,090$8,105$5,530
20 years$17,673$14,292$11,468$9,139$7,240$4,819
21 years$16,655$13,312$10,548$8,294$6,479$4,206
22 years$15,730$12,427$9,722$7,541$5,807$3,676
23 years$14,887$11,622$8,976$6,868$5,213$3,216
24 years$14,115$10,889$8,302$6,264$4,686$2,816
25 years$13,406$10,219$7,689$5,721$4,216$2,468
26 years$12,753$9,604$7,131$5,231$3,798$2,165
27 years$12,149$9,039$6,622$4,788$3,424$1,901
28 years$11,590$8,517$6,156$4,387$3,090$1,669
29 years$11,070$8,035$5,729$4,023$2,790$1,467
30 years$10,585$7,588$5,336$3,692$2,521$1,289
31 years$10,133$7,173$4,975$3,391$2,279$1,134
32 years$9,709$6,787$4,641$3,116$2,062$997
33 years$9,312$6,428$4,334$2,865$1,866$878
34 years$8,940$6,092$4,049$2,636$1,689$772
35 years$8,589$5,778$3,786$2,427$1,530$680
36 years$8,259$5,484$3,541$2,235$1,386$599
37 years$7,947$5,209$3,315$2,059$1,256$527
38 years$7,652$4,950$3,104$1,898$1,139$464
39 years$7,373$4,707$2,908$1,750$1,033$409
40 years$7,109$4,479$2,726$1,614$937$361
41 years$6,859$4,263$2,556$1,489$850$318
42 years$6,620$4,060$2,398$1,375$771$280
43 years$6,394$3,869$2,250$1,269$700$247
44 years$6,178$3,688$2,112$1,172$635$217
45 years$5,973$3,516$1,983$1,082$577$192
46 years$5,777$3,354$1,862$999$524$169
47 years$5,590$3,201$1,750$923$476$149
48 years$5,411$3,056$1,644$853$432$131
49 years$5,241$2,918$1,545$789$392$116
50 years$5,077$2,788$1,453$729$356$102

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 $6,001 every year, while hoping to spend $30,987 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: 43/34/23 Blend
29$5,200,000$5,200,000$5,200,000$5,200,000
30$5,736,590$5,460,990$5,380,390$5,944,581
31$6,288,752$5,695,609$5,527,663$6,327,586
32$6,896,197$5,940,685$5,678,831$6,738,843
33$7,564,529$6,196,699$5,833,993$7,183,805
34$8,299,926$6,464,152$5,993,246$7,665,601
35$9,109,194$6,743,571$6,156,696$8,187,669
36$9,999,831$7,035,506$6,324,445$8,753,782
37$10,980,101$7,340,533$6,496,601$9,368,089
38$12,059,107$7,659,255$6,673,273$10,035,143
39$13,246,882$7,992,304$6,854,573$10,759,952
40$14,554,479$8,340,341$7,040,616$11,548,014
41$15,994,077$8,704,060$7,231,518$12,405,378
42$17,579,098$9,084,184$7,427,399$13,338,690
43$19,324,331$9,481,474$7,628,382$14,355,258
44$21,246,071$9,896,724$7,834,590$15,463,116
45$23,362,273$10,330,767$8,046,153$16,671,101
46$25,692,726$10,784,475$8,263,199$17,988,931
47$28,259,230$11,258,760$8,485,863$19,427,295
48$31,085,812$11,754,581$8,714,280$20,997,951
49$34,198,947$12,272,936$8,948,590$22,713,834
50$37,627,805$12,814,876$9,188,934$24,589,176
51$41,404,535$13,381,499$9,435,457$26,639,637
52$45,564,561$13,973,956$9,688,308$28,882,447
53$50,146,917$14,593,450$9,947,637$31,336,572
54$55,194,619$15,241,246$10,213,599$34,022,879
55$60,755,067$15,918,663$10,486,351$36,964,340
56$66,880,494$16,627,089$10,766,055$40,186,238
57$73,628,460$17,367,971$11,052,873$43,716,404
58$81,062,393$18,142,831$11,346,974$47,585,477
59$89,252,187$18,953,260$11,648,528$51,827,185
60$98,274,865$19,800,925$11,957,708$56,478,662
61$108,215,303$20,687,573$12,274,694$61,580,793
62$119,167,033$21,615,032$12,599,665$67,178,594
63$131,233,123$22,585,222$12,932,806$73,321,634
64$144,527,152$23,600,148$13,274,306$80,064,494
65$159,174,282$24,661,916$13,624,356$87,467,279
66$175,312,439$25,772,729$13,983,151$95,596,179
67$193,093,612$26,934,898$14,350,891$104,524,088
68$212,685,293$28,150,840$14,727,778$114,331,284
69$234,272,053$29,423,092$15,114,020$125,106,183
70$258,057,288$30,754,309$15,509,825$136,946,162
71$284,265,137$32,147,275$15,915,409$149,958,474
72$313,142,594$33,604,905$16,330,989$164,261,255
73$344,961,849$35,130,255$16,756,787$179,984,626
74$380,022,846$36,726,527$17,193,028$197,271,914
75$418,656,125$38,397,075$17,639,943$216,280,999
76$461,225,933$40,145,415$18,097,764$237,185,795
77$508,133,667$41,975,230$18,566,729$260,177,878
78$559,821,666$43,890,381$19,047,079$285,468,287
79$616,777,379$45,894,913$19,539,059$313,289,508
80$679,537,973$47,993,064$20,042,919$343,897,654
81$748,695,400$50,189,278$20,558,910$377,574,871
82$824,901,988$52,488,210$21,087,291$414,631,995
83$908,876,598$54,894,739$21,628,322$455,411,467
84$1,001,411,407$57,413,978$22,182,268$500,290,554
85$1,103,379,394$60,051,286$22,749,396$549,684,903
86$1,215,742,571$62,812,279$23,329,981$604,052,439
87$1,339,561,075$65,702,842$23,924,297$663,897,686
88$1,476,003,168$68,729,145$24,532,624$729,776,502
89$1,626,356,271$71,897,652$25,155,247$802,301,319
90$1,792,039,115$75,215,142$25,792,452$882,146,902
91$1,974,615,136$78,688,715$26,444,530$970,056,704
92$2,175,807,234$82,325,816$27,111,776$1,066,849,863
93$2,397,514,039$86,134,248$27,794,488$1,173,428,919
94$2,641,827,834$90,122,189$28,492,965$1,290,788,309
95$2,911,054,307$94,298,210$29,207,514$1,420,023,737
96$3,207,734,322$98,671,298$29,938,441$1,562,342,496
97$3,534,667,901$103,250,870$30,686,058$1,719,074,836
98$3,894,940,663$108,046,799$31,450,677$1,891,686,505
99$4,291,952,951$113,069,432$32,232,614$2,081,792,556
100$4,729,451,934$118,329,617$33,032,189$2,291,172,569