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%15.6%
1 years$429,411$425,586$421,854$418,212$414,655$405,125
2 years$212,580$208,621$204,784$201,063$197,455$187,906
3 years$140,312$136,336$132,509$128,823$125,274$116,004
4 years$104,185$100,221$96,432$92,810$89,346$80,428
5 years$82,515$78,575$74,835$71,287$67,919$59,377
6 years$68,073$64,162$60,478$57,009$53,742$45,585
7 years$57,761$53,883$50,258$46,870$43,707$35,935
8 years$50,031$46,188$42,622$39,318$36,259$28,871
9 years$44,021$40,215$36,711$33,490$30,535$23,524
10 years$39,217$35,447$32,005$28,869$26,018$19,377
11 years$35,288$31,557$28,177$25,125$22,376$16,096
12 years$32,017$28,324$25,006$22,038$19,391$13,461
13 years$29,251$25,596$22,341$19,456$16,909$11,319
14 years$26,882$23,266$20,074$17,271$14,822$9,561
15 years$24,831$21,254$18,124$15,403$13,051$8,105
16 years$23,038$19,500$16,432$13,791$11,534$6,892
17 years$21,458$17,959$14,953$12,391$10,227$5,875
18 years$20,054$16,595$13,650$11,167$9,093$5,020
19 years$18,800$15,380$12,496$10,090$8,105$4,296
20 years$17,673$14,292$11,468$9,139$7,240$3,683
21 years$16,655$13,312$10,548$8,294$6,479$3,161
22 years$15,730$12,427$9,722$7,541$5,807$2,716
23 years$14,887$11,622$8,976$6,868$5,213$2,336
24 years$14,115$10,889$8,302$6,264$4,686$2,011
25 years$13,406$10,219$7,689$5,721$4,216$1,732
26 years$12,753$9,604$7,131$5,231$3,798$1,493
27 years$12,149$9,039$6,622$4,788$3,424$1,287
28 years$11,590$8,517$6,156$4,387$3,090$1,110
29 years$11,070$8,035$5,729$4,023$2,790$958
30 years$10,585$7,588$5,336$3,692$2,521$827
31 years$10,133$7,173$4,975$3,391$2,279$714
32 years$9,709$6,787$4,641$3,116$2,062$617
33 years$9,312$6,428$4,334$2,865$1,866$533
34 years$8,940$6,092$4,049$2,636$1,689$461
35 years$8,589$5,778$3,786$2,427$1,530$398
36 years$8,259$5,484$3,541$2,235$1,386$344
37 years$7,947$5,209$3,315$2,059$1,256$297
38 years$7,652$4,950$3,104$1,898$1,139$257
39 years$7,373$4,707$2,908$1,750$1,033$222
40 years$7,109$4,479$2,726$1,614$937$192
41 years$6,859$4,263$2,556$1,489$850$166
42 years$6,620$4,060$2,398$1,375$771$144
43 years$6,394$3,869$2,250$1,269$700$124
44 years$6,178$3,688$2,112$1,172$635$107
45 years$5,973$3,516$1,983$1,082$577$93
46 years$5,777$3,354$1,862$999$524$80
47 years$5,590$3,201$1,750$923$476$70
48 years$5,411$3,056$1,644$853$432$60
49 years$5,241$2,918$1,545$789$392$52
50 years$5,077$2,788$1,453$729$356$45

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 $4,569 every year, while hoping to spend $53,319 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: 48/37/15 Blend
29$5,200,000$5,200,000$5,200,000$5,200,000
30$5,735,113$5,459,513$5,378,913$5,986,172
31$6,263,363$5,670,298$5,502,376$6,370,978
32$6,843,708$5,889,625$5,628,187$6,782,718
33$7,481,405$6,117,855$5,756,370$7,228,621
34$8,182,246$6,355,367$5,886,946$7,711,903
35$8,952,611$6,602,556$6,019,934$8,236,095
36$9,799,530$6,859,834$6,155,355$8,805,078
37$10,730,749$7,127,632$6,293,226$9,423,120
38$11,754,799$7,406,400$6,433,562$10,094,910
39$12,881,081$7,696,607$6,576,380$10,825,607
40$14,119,955$7,998,744$6,721,692$11,620,882
41$15,482,831$8,313,323$6,869,509$12,486,973
42$16,982,283$8,640,879$7,019,841$13,430,739
43$18,632,167$8,981,973$7,172,696$14,459,727
44$20,447,745$9,337,187$7,328,079$15,582,240
45$22,445,838$9,707,132$7,485,993$16,807,411
46$24,644,978$10,092,446$7,646,438$18,145,292
47$27,065,585$10,493,795$7,809,413$19,606,942
48$29,730,158$10,911,874$7,974,912$21,204,532
49$32,663,490$11,347,412$8,142,927$22,951,458
50$35,892,899$11,801,168$8,313,448$24,862,462
51$39,448,486$12,273,937$8,486,460$26,953,775
52$43,363,420$12,766,548$8,661,945$29,243,260
53$47,674,250$13,279,870$8,839,881$31,750,584
54$52,421,249$13,814,809$9,020,243$34,497,398
55$57,648,795$14,372,314$9,203,000$37,507,540
56$63,405,789$14,953,374$9,388,117$40,807,255
57$69,746,116$15,559,026$9,575,555$44,425,444
58$76,729,154$16,190,352$9,765,271$48,393,928
59$84,420,333$16,848,485$9,957,213$52,747,748
60$92,891,754$17,534,608$10,151,326$57,525,496
61$102,222,867$18,249,957$10,347,550$62,769,666
62$112,501,223$18,995,828$10,545,816$68,527,063
63$123,823,296$19,773,573$10,746,050$74,849,231
64$136,295,401$20,584,606$10,948,170$81,792,943
65$150,034,687$21,430,407$11,152,089$89,420,728
66$165,170,250$22,312,522$11,357,709$97,801,457
67$181,844,350$23,232,570$11,564,927$107,010,992
68$200,213,750$24,192,242$11,773,628$117,132,895
69$220,451,199$25,193,309$11,983,691$128,259,211
70$242,747,061$26,237,620$12,194,984$140,491,334
71$267,311,110$27,327,113$12,407,366$153,940,954
72$294,374,514$28,463,812$12,620,683$168,731,115
73$324,192,012$29,649,836$12,834,773$184,997,359
74$357,044,320$30,887,401$13,049,461$202,889,008
75$393,240,782$32,178,826$13,264,560$222,570,564
76$433,122,289$33,526,535$13,479,870$244,223,255
77$477,064,494$34,933,067$13,695,177$268,046,740
78$525,481,362$36,401,077$13,910,255$294,260,984
79$578,829,074$37,933,342$14,124,861$323,108,330
80$637,610,333$39,532,770$14,338,738$354,855,779
81$702,379,113$41,202,401$14,551,611$389,797,496
82$773,745,883$42,945,419$14,763,191$428,257,588
83$852,383,372$44,765,154$14,973,167$470,593,146
84$939,032,921$46,665,091$15,181,213$517,197,613
85$1,034,511,476$48,648,879$15,386,981$568,504,483
86$1,139,719,307$50,720,333$15,590,105$624,991,388
87$1,255,648,497$52,883,451$15,790,194$687,184,591
88$1,383,392,316$55,142,412$15,986,838$755,663,949
89$1,524,155,536$57,501,594$16,179,601$831,068,369
90$1,679,265,806$59,965,578$16,368,023$914,101,833
91$1,850,186,186$62,539,159$16,551,619$1,005,540,026
92$2,038,528,955$65,227,356$16,729,877$1,106,237,650
93$2,246,070,836$68,035,424$16,902,255$1,217,136,477
94$2,474,769,765$70,968,863$17,068,184$1,339,274,222
95$2,726,783,375$74,033,431$17,227,062$1,473,794,331
96$3,004,489,366$77,235,156$17,378,256$1,621,956,755
97$3,310,507,952$80,580,350$17,521,099$1,785,149,828
98$3,647,726,596$84,075,619$17,654,888$1,964,903,360
99$4,019,327,266$87,727,882$17,778,884$2,162,903,055
100$4,428,816,480$91,544,381$17,892,310$2,381,006,413