Can I retire at age 30 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$834,049$826,619$819,371$812,296$805,388$791,720
2 years$412,895$405,206$397,753$390,527$383,518$369,790
3 years$272,529$264,806$257,372$250,214$243,320$229,959
4 years$202,360$194,661$187,301$180,265$173,538$160,647
5 years$160,269$152,616$145,353$138,461$131,921$119,537
6 years$132,218$124,623$117,467$110,728$104,384$92,522
7 years$112,190$104,658$97,616$91,036$84,892$73,555
8 years$97,175$89,711$82,786$76,368$70,426$59,612
9 years$85,503$78,110$71,303$65,048$59,309$49,011
10 years$76,171$68,850$62,164$56,072$50,534$40,744
11 years$68,540$61,293$54,728$48,800$43,461$34,168
12 years$62,186$55,013$48,570$42,804$37,663$28,854
13 years$56,814$49,716$43,394$37,789$32,843$24,506
14 years$52,213$45,190$38,990$33,545$28,790$20,910
15 years$48,229$41,282$35,202$29,917$25,349$17,912
16 years$44,747$37,876$31,916$26,787$22,403$15,393
17 years$41,677$34,882$29,042$24,068$19,864$13,265
18 years$38,952$32,233$26,512$21,690$17,662$11,457
19 years$36,516$29,873$24,270$19,599$15,743$9,916
20 years$34,327$27,759$22,274$17,750$14,062$8,596
21 years$32,348$25,857$20,488$16,110$12,584$7,463
22 years$30,552$24,136$18,883$14,647$11,280$6,487
23 years$28,915$22,574$17,435$13,340$10,125$5,645
24 years$27,416$21,151$16,124$12,167$9,101$4,916
25 years$26,039$19,849$14,934$11,111$8,189$4,286
26 years$24,771$18,655$13,851$10,159$7,377$3,738
27 years$23,598$17,556$12,862$9,299$6,651$3,263
28 years$22,511$16,543$11,957$8,520$6,001$2,849
29 years$21,500$15,607$11,127$7,813$5,419$2,489
30 years$20,559$14,739$10,364$7,170$4,896$2,176
31 years$19,680$13,933$9,662$6,586$4,427$1,902
32 years$18,858$13,183$9,015$6,052$4,004$1,664
33 years$18,088$12,485$8,417$5,566$3,624$1,455
34 years$17,364$11,833$7,865$5,121$3,281$1,274
35 years$16,683$11,223$7,353$4,714$2,972$1,115
36 years$16,041$10,653$6,878$4,341$2,692$976
37 years$15,436$10,117$6,438$4,000$2,440$854
38 years$14,863$9,615$6,029$3,687$2,212$748
39 years$14,322$9,143$5,649$3,400$2,006$655
40 years$13,808$8,699$5,294$3,136$1,820$574
41 years$13,321$8,281$4,964$2,893$1,651$502
42 years$12,859$7,886$4,657$2,670$1,498$440
43 years$12,419$7,514$4,370$2,465$1,360$385
44 years$12,000$7,162$4,102$2,276$1,234$338
45 years$11,601$6,830$3,851$2,102$1,120$296
46 years$11,221$6,515$3,617$1,941$1,017$259
47 years$10,858$6,218$3,398$1,794$924$227
48 years$10,511$5,936$3,194$1,657$839$199
49 years$10,179$5,668$3,002$1,532$762$174
50 years$9,861$5,415$2,822$1,416$692$153

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $10,100,000, adding $4,058 every year, while hoping to spend $28,912 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: 53/22/25 Blend
29$10,100,000$10,100,000$10,100,000$10,100,000
30$11,134,386$10,599,086$10,442,536$11,646,990
31$12,239,331$11,087,679$10,761,599$12,490,099
32$13,456,012$11,599,244$11,090,381$13,403,792
33$14,795,794$12,134,876$11,429,178$14,397,529
34$16,271,203$12,695,724$11,778,294$15,478,967
35$17,896,041$13,282,989$12,138,042$16,656,526
36$19,685,515$13,897,933$12,508,744$17,939,464
37$21,656,384$14,541,878$12,890,733$19,337,958
38$23,827,114$15,216,209$13,284,352$20,863,204
39$26,218,055$15,922,378$13,689,952$22,527,512
40$28,851,630$16,661,908$14,107,899$24,344,424
41$31,752,548$17,436,394$14,538,566$26,328,837
42$34,948,039$18,247,508$14,982,339$28,497,141
43$38,468,107$19,097,004$15,439,615$30,867,367
44$42,345,816$19,986,719$15,910,804$33,459,357
45$46,617,601$20,918,580$16,396,328$36,294,944
46$51,323,612$21,894,606$16,896,621$39,398,157
47$56,508,093$22,916,915$17,412,130$42,795,441
48$62,219,800$23,987,725$17,943,318$46,515,904
49$68,512,459$25,109,363$18,490,659$50,591,586
50$75,445,276$26,284,268$19,054,642$55,057,754
51$83,083,493$27,514,997$19,635,772$59,953,236
52$91,499,007$28,804,229$20,234,568$65,320,776
53$100,771,045$30,154,775$20,851,565$71,207,434
54$110,986,913$31,569,581$21,487,314$77,665,025
55$122,242,822$33,051,735$22,142,383$84,750,601
56$134,644,795$34,604,474$22,817,357$92,526,985
57$148,309,664$36,231,194$23,512,839$101,063,352
58$163,366,180$37,935,452$24,229,449$110,435,882
59$179,956,222$39,720,981$24,967,827$120,728,469
60$198,236,139$41,591,691$25,728,632$132,033,501
61$218,378,225$43,551,684$26,512,541$144,452,732
62$240,572,347$45,605,260$27,320,254$158,098,228
63$265,027,735$47,756,926$28,152,492$173,093,419
64$291,974,959$50,011,410$29,009,995$189,574,253
65$321,668,103$52,373,668$29,893,528$207,690,472
66$354,387,166$54,848,894$30,803,877$227,607,016
67$390,440,704$57,442,537$31,741,854$249,505,567
68$430,168,743$60,160,309$32,708,294$273,586,253
69$473,945,990$63,008,199$33,704,057$300,069,532
70$522,185,368$65,992,487$34,730,030$329,198,253
71$575,341,913$69,119,757$35,787,124$361,239,941
72$633,917,076$72,396,913$36,876,280$396,489,309
73$698,463,450$75,831,194$37,998,467$435,271,025
74$769,589,989$79,430,189$39,154,683$477,942,766
75$847,967,757$83,201,858$40,345,955$524,898,575
76$934,336,266$87,154,547$41,573,341$576,572,571
77$1,029,510,449$91,297,004$42,837,933$633,443,027
78$1,134,388,364$95,638,406$44,140,853$696,036,868
79$1,249,959,664$100,188,374$45,483,257$764,934,631
80$1,377,314,942$104,956,997$46,866,339$840,775,925
81$1,517,656,029$109,954,853$48,291,324$924,265,451
82$1,672,307,338$115,193,035$49,759,478$1,016,179,631
83$1,842,728,369$120,683,176$51,272,103$1,117,373,922
84$2,030,527,484$126,437,473$52,830,539$1,228,790,867
85$2,237,477,094$132,468,716$54,436,169$1,351,468,968
86$2,465,530,392$138,790,317$56,090,415$1,486,552,471
87$2,716,839,792$145,416,343$57,794,744$1,635,302,140
88$2,993,777,247$152,361,540$59,550,665$1,799,107,132
89$3,298,956,647$159,641,376$61,359,732$1,979,498,086
90$3,635,258,489$167,272,068$63,223,548$2,178,161,543
91$4,005,857,081$175,270,625$65,143,762$2,396,955,841
92$4,414,250,499$183,654,881$67,122,074$2,637,928,622
93$4,864,293,619$192,443,540$69,160,233$2,903,336,133
94$5,360,234,509$201,656,214$71,260,041$3,195,664,493
95$5,906,754,532$211,313,472$73,423,356$3,517,653,127
96$6,509,012,545$221,436,882$75,652,089$3,872,320,588
97$7,172,693,600$232,049,065$77,948,210$4,262,993,018
98$7,904,062,619$243,173,741$80,313,747$4,693,335,505
99$8,710,023,538$254,835,786$82,750,789$5,167,386,643
100$9,598,184,485$267,061,286$85,261,487$5,689,596,613