Can I retire at age 30 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,025,620
2 years$535,538$525,564$515,897$506,525$497,434$478,367
3 years$353,479$343,462$333,820$324,536$315,593$297,045
4 years$262,467$252,481$242,935$233,810$225,083$207,199
5 years$207,874$197,948$188,528$179,588$171,105$153,934
6 years$171,491$161,639$152,358$143,618$135,389$118,952
7 years$145,513$135,744$126,611$118,076$110,108$94,408
8 years$126,039$116,358$107,376$99,051$91,345$76,378
9 years$110,900$101,311$92,483$84,370$76,926$62,684
10 years$98,796$89,300$80,629$72,728$65,545$52,015
11 years$88,899$79,499$70,984$63,295$56,371$43,537
12 years$80,658$71,354$62,997$55,518$48,850$36,695
13 years$73,689$64,483$56,283$49,014$42,598$31,104
14 years$67,722$58,613$50,571$43,509$37,341$26,486
15 years$62,555$53,544$45,659$38,803$32,878$22,641
16 years$58,038$49,126$41,396$34,744$29,058$19,417
17 years$54,057$45,243$37,669$31,217$25,764$16,696
18 years$50,522$41,807$34,387$28,133$22,909$14,390
19 years$47,362$38,746$31,480$25,420$20,419$12,426
20 years$44,523$36,005$28,890$23,023$18,239$10,748
21 years$41,957$33,537$26,574$20,895$16,321$9,310
22 years$39,627$31,305$24,492$18,998$14,630$8,074
23 years$37,503$29,279$22,614$17,302$13,133$7,010
24 years$35,559$27,433$20,914$15,780$11,804$6,091
25 years$33,774$25,744$19,370$14,412$10,622$5,297
26 years$32,128$24,196$17,965$13,177$9,568$4,609
27 years$30,607$22,771$16,682$12,061$8,626$4,013
28 years$29,197$21,457$15,508$11,051$7,783$3,496
29 years$27,887$20,242$14,432$10,134$7,028$3,047
30 years$26,666$19,117$13,443$9,300$6,350$2,657
31 years$25,526$18,071$12,532$8,542$5,741$2,317
32 years$24,460$17,099$11,693$7,850$5,194$2,021
33 years$23,460$16,193$10,918$7,219$4,700$1,764
34 years$22,521$15,348$10,201$6,642$4,255$1,539
35 years$21,638$14,557$9,537$6,114$3,854$1,344
36 years$20,806$13,817$8,922$5,631$3,492$1,173
37 years$20,020$13,123$8,350$5,188$3,165$1,025
38 years$19,278$12,471$7,820$4,782$2,869$895
39 years$18,575$11,859$7,326$4,409$2,602$782
40 years$17,910$11,283$6,867$4,067$2,360$683
41 years$17,278$10,740$6,439$3,752$2,141$597
42 years$16,678$10,229$6,040$3,463$1,943$521
43 years$16,108$9,746$5,668$3,197$1,763$455
44 years$15,565$9,290$5,320$2,952$1,601$398
45 years$15,047$8,859$4,995$2,726$1,453$348
46 years$14,554$8,451$4,692$2,518$1,319$304
47 years$14,083$8,065$4,408$2,326$1,198$266
48 years$13,632$7,699$4,142$2,150$1,088$232
49 years$13,202$7,352$3,893$1,987$988$203
50 years$12,790$7,023$3,660$1,836$898$177

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,100,000, adding $2,929 every year, while hoping to spend $54,297 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: 52/40/8 Blend
29$13,100,000$13,100,000$13,100,000$13,100,000
30$14,439,221$13,744,921$13,541,871$15,161,035
31$15,854,250$14,360,651$13,937,752$16,267,573
32$17,411,792$15,004,731$14,345,076$17,464,178
33$19,126,327$15,678,495$14,764,167$18,764,178
34$21,013,807$16,383,336$15,195,362$20,177,328
35$23,091,814$17,120,718$15,639,005$21,714,345
36$25,379,716$17,892,170$16,095,449$23,387,000
37$27,898,860$18,699,300$16,565,059$25,208,229
38$30,672,765$19,543,786$17,048,210$27,192,246
39$33,727,346$20,427,391$17,545,284$29,354,673
40$37,091,163$21,351,961$18,056,679$31,712,681
41$40,795,683$22,319,429$18,582,799$34,285,150
42$44,875,583$23,331,821$19,124,063$37,092,834
43$49,369,073$24,391,261$19,680,900$40,158,557
44$54,318,259$25,499,972$20,253,750$43,507,416
45$59,769,538$26,660,288$20,843,067$47,167,015
46$65,774,038$27,874,649$21,449,318$51,167,716
47$72,388,100$29,145,617$22,072,979$55,542,919
48$79,673,807$30,475,873$22,714,545$60,329,365
49$87,699,572$31,868,228$23,374,519$65,567,481
50$96,540,786$33,325,628$24,053,423$71,301,747
51$106,280,523$34,851,160$24,751,789$77,581,107
52$117,010,329$36,448,060$25,470,167$84,459,424
53$128,831,084$38,119,717$26,209,120$91,995,977
54$141,853,957$39,869,685$26,969,227$100,256,007
55$156,201,449$41,701,688$27,751,085$109,311,326
56$172,008,554$43,619,628$28,555,303$119,240,979
57$189,424,032$45,627,596$29,382,512$130,131,979
58$208,611,814$47,729,878$30,233,356$142,080,117
59$229,752,544$49,930,968$31,108,499$155,190,853
60$253,045,293$52,235,574$32,008,623$169,580,291
61$278,709,429$54,648,633$32,934,427$185,376,269
62$306,986,692$57,175,318$33,886,632$202,719,544
63$338,143,476$59,821,050$34,865,976$221,765,108
64$372,473,343$62,591,514$35,873,219$242,683,630
65$410,299,792$65,492,666$36,909,139$265,663,053
66$451,979,315$68,530,751$37,974,540$290,910,348
67$497,904,761$71,712,314$39,070,243$318,653,449
68$548,509,045$75,044,215$40,197,094$349,143,380
69$604,269,232$78,533,647$41,355,962$382,656,610
70$665,711,046$82,188,147$42,547,738$419,497,637
71$733,413,824$86,015,617$43,773,339$460,001,835
72$808,015,993$90,024,342$45,033,705$504,538,604
73$890,221,093$94,223,004$46,329,803$553,514,824
74$980,804,419$98,620,706$47,662,626$607,378,671
75$1,080,620,339$103,226,989$49,033,193$666,623,820
76$1,190,610,359$108,051,857$50,442,551$731,794,078
77$1,311,812,014$113,105,796$51,891,774$803,488,483
78$1,445,368,658$118,399,799$53,381,968$882,366,926
79$1,592,540,263$123,945,391$54,914,265$969,156,352
80$1,754,715,307$129,754,653$56,489,831$1,064,657,580
81$1,933,423,888$135,840,250$58,109,859$1,169,752,833
82$2,130,352,165$142,215,462$59,775,579$1,285,414,019
83$2,347,358,275$148,894,209$61,488,251$1,412,711,873
84$2,586,489,879$155,891,086$63,249,167$1,552,826,017
85$2,850,003,490$163,221,392$65,059,658$1,707,056,054
86$3,140,385,777$170,901,171$66,921,087$1,876,833,789
87$3,460,377,037$178,947,240$68,834,855$2,063,736,697
88$3,812,997,072$187,377,231$70,802,399$2,269,502,760
89$4,201,573,689$196,209,631$72,825,195$2,496,046,828
90$4,629,774,125$205,463,823$74,904,759$2,745,478,632
91$5,101,639,664$215,160,128$77,042,646$3,020,122,644
92$5,621,623,787$225,319,852$79,240,453$3,322,539,962
93$6,194,634,223$235,965,334$81,499,817$3,655,552,420
94$6,826,079,274$247,119,996$83,822,422$4,022,269,159
95$7,521,918,880$258,808,396$86,209,993$4,426,115,911
96$8,288,720,881$271,056,283$88,664,303$4,870,867,263
97$9,133,723,024$283,890,653$91,187,170$5,360,682,212
98$10,064,901,292$297,339,815$93,780,460$5,900,143,350
99$11,091,045,207$311,433,450$96,446,089$6,494,300,037
100$12,221,840,807$326,202,678$99,186,022$7,148,715,983