Can I retire at age 30 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$751,469$744,776$738,245$731,871$725,647$712,746
2 years$372,015$365,086$358,371$351,861$345,546$332,593
3 years$245,546$238,588$231,890$225,441$219,229$206,626
4 years$182,324$175,387$168,757$162,417$156,356$144,201
5 years$144,401$137,506$130,962$124,752$118,859$107,187
6 years$119,127$112,284$105,837$99,765$94,049$82,873
7 years$101,082$94,296$87,951$82,023$76,487$65,811
8 years$87,554$80,829$74,589$68,807$63,453$53,273
9 years$77,037$70,376$64,244$58,608$53,437$43,748
10 years$68,629$62,033$56,009$50,521$45,531$36,324
11 years$61,754$55,224$49,310$43,968$39,158$30,423
12 years$56,029$49,566$43,761$38,566$33,934$25,659
13 years$51,189$44,794$39,098$34,048$29,591$21,763
14 years$47,043$40,716$35,129$30,224$25,939$18,545
15 years$43,454$37,195$31,717$26,954$22,839$15,864
16 years$40,316$34,126$28,756$24,135$20,185$13,614
17 years$37,551$31,428$26,167$21,685$17,897$11,715
18 years$35,095$29,041$23,887$19,542$15,914$10,104
19 years$32,901$26,915$21,867$17,658$14,184$8,732
20 years$30,928$25,011$20,069$15,993$12,670$7,558
21 years$29,146$23,297$18,459$14,515$11,338$6,552
22 years$27,527$21,747$17,013$13,197$10,163$5,686
23 years$26,052$20,339$15,709$12,019$9,123$4,940
24 years$24,702$19,056$14,528$10,962$8,200$4,296
25 years$23,461$17,884$13,456$10,011$7,378$3,739
26 years$22,318$16,808$12,480$9,154$6,646$3,256
27 years$21,261$15,818$11,588$8,379$5,992$2,838
28 years$20,282$14,905$10,773$7,677$5,407$2,474
29 years$19,372$14,061$10,025$7,040$4,882$2,158
30 years$18,524$13,279$9,338$6,461$4,411$1,883
31 years$17,732$12,553$8,706$5,933$3,988$1,644
32 years$16,991$11,878$8,122$5,453$3,608$1,435
33 years$16,297$11,249$7,584$5,015$3,265$1,253
34 years$15,645$10,661$7,086$4,614$2,956$1,095
35 years$15,031$10,112$6,625$4,247$2,677$957
36 years$14,453$9,598$6,197$3,912$2,426$836
37 years$13,907$9,116$5,801$3,604$2,199$731
38 years$13,392$8,663$5,432$3,322$1,993$639
39 years$12,904$8,238$5,089$3,063$1,808$558
40 years$12,441$7,838$4,770$2,825$1,640$488
41 years$12,002$7,461$4,473$2,607$1,487$427
42 years$11,586$7,105$4,196$2,406$1,350$373
43 years$11,189$6,770$3,937$2,221$1,225$326
44 years$10,812$6,453$3,696$2,050$1,112$285
45 years$10,453$6,154$3,470$1,894$1,009$250
46 years$10,110$5,870$3,259$1,749$916$218
47 years$9,783$5,602$3,062$1,616$832$191
48 years$9,470$5,348$2,877$1,493$756$167
49 years$9,171$5,107$2,705$1,380$686$146
50 years$8,885$4,878$2,543$1,276$623$128

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $9,100,000, adding $5,131 every year, while hoping to spend $33,325 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: 72/13/15 Blend
29$9,100,000$9,100,000$9,100,000$9,100,000
30$10,033,493$9,551,193$9,410,143$10,721,829
31$11,021,451$9,983,744$9,689,925$11,611,532
32$12,109,065$10,436,373$9,977,963$12,580,961
33$13,306,463$10,910,028$10,274,498$13,641,685
34$14,624,807$11,405,705$10,579,779$14,802,735
35$16,076,397$11,924,443$10,894,061$16,074,050
36$17,674,784$12,467,336$11,217,607$17,466,573
37$19,434,903$13,035,526$11,550,687$18,992,352
38$21,373,208$13,630,212$11,893,580$20,664,650
39$23,507,833$14,252,650$12,246,573$22,498,069
40$25,858,758$14,904,156$12,609,959$24,508,688
41$28,448,000$15,586,109$12,984,042$26,714,212
42$31,299,823$16,299,955$13,369,134$29,134,137
43$34,440,960$17,047,208$13,765,555$31,789,933
44$37,900,873$17,829,456$14,173,636$34,705,241
45$41,712,026$18,648,363$14,593,716$37,906,101
46$45,910,191$19,505,672$15,026,145$41,421,189
47$50,534,792$20,403,210$15,471,282$45,282,087
48$55,629,266$21,342,894$15,929,496$49,523,582
49$61,241,485$22,326,729$16,401,168$54,183,988
50$67,424,199$23,356,821$16,886,689$59,305,507
51$74,235,536$24,435,374$17,386,461$64,934,625
52$81,739,552$25,564,698$17,900,899$71,122,544
53$90,006,835$26,747,218$18,430,429$77,925,670
54$99,115,172$27,985,471$18,975,488$85,406,135
55$109,150,280$29,282,120$19,536,527$93,632,383
56$120,206,618$30,639,953$20,114,009$102,679,815
57$132,388,277$32,061,894$20,708,413$112,631,494
58$145,809,963$33,551,009$21,320,227$123,578,926
59$160,598,081$35,110,511$21,949,956$135,622,922
60$176,891,926$36,743,766$22,598,120$148,874,545
61$194,844,997$38,454,305$23,265,251$163,456,150
62$214,626,449$40,245,828$23,951,900$179,502,544
63$236,422,688$42,122,215$24,658,630$197,162,244
64$260,439,131$44,087,532$25,386,022$216,598,879
65$286,902,142$46,146,041$26,134,674$237,992,733
66$316,061,174$48,302,211$26,905,200$261,542,436
67$348,191,121$50,560,726$27,698,231$287,466,834
68$383,594,911$52,926,498$28,514,417$316,007,056
69$422,606,369$55,404,673$29,354,427$347,428,777
70$465,593,366$58,000,649$30,218,948$382,024,724
71$512,961,292$60,720,085$31,108,686$420,117,430
72$565,156,886$63,568,910$32,024,369$462,062,278
73$622,672,447$66,553,345$32,966,743$508,250,841
74$686,050,486$69,679,909$33,936,578$559,114,579
75$755,888,846$72,955,435$34,934,665$615,128,900
76$832,846,348$76,387,091$35,961,815$676,817,639
77$917,649,005$79,982,388$37,018,866$744,758,002
78$1,011,096,882$83,749,203$38,106,676$819,585,998
79$1,114,071,643$87,695,794$39,226,129$902,002,440
80$1,227,544,882$91,830,818$40,378,135$992,779,549
81$1,352,587,285$96,163,354$41,563,628$1,092,768,236
82$1,490,378,747$100,702,918$42,783,569$1,202,906,122
83$1,642,219,507$105,459,488$44,038,946$1,324,226,384
84$1,809,542,422$110,443,528$45,330,776$1,457,867,491
85$1,993,926,494$115,666,006$46,660,102$1,605,083,948
86$2,197,111,780$121,138,423$48,027,999$1,767,258,119
87$2,421,015,815$126,872,840$49,435,571$1,945,913,270
88$2,667,751,720$132,881,901$50,883,954$2,142,727,935
89$2,939,648,143$139,178,862$52,374,315$2,359,551,749
90$3,239,271,254$145,777,626$53,907,854$2,598,422,892
91$3,569,448,959$152,692,768$55,485,805$2,861,587,321
92$3,933,297,610$159,939,570$57,109,436$3,151,519,954
93$4,334,251,417$167,534,059$58,780,053$3,470,948,018
94$4,776,094,871$175,493,038$60,498,994$3,822,876,782
95$5,262,998,477$183,834,126$62,267,639$4,210,617,905
96$5,799,558,121$192,575,798$64,087,405$4,637,820,690
97$6,390,838,464$201,737,426$65,959,747$5,108,506,508
98$7,042,420,752$211,339,325$67,886,163$5,627,106,746
99$7,760,455,511$221,402,795$69,868,193$6,198,504,622
100$8,551,720,613$231,950,171$71,907,417$6,828,081,262