Can I retire at age 30 with 13,300,000?

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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,021,307
2 years$543,714$533,587$523,774$514,258$505,029$465,925
3 years$358,875$348,705$338,916$329,490$320,411$282,686
4 years$266,474$256,335$246,644$237,379$228,520$192,462
5 years$211,048$200,970$191,406$182,330$173,717$139,420
6 years$174,109$164,107$154,685$145,811$137,456$104,945
7 years$147,735$137,817$128,544$119,879$111,789$81,054
8 years$127,963$118,135$109,015$100,564$92,740$63,753
9 years$112,593$102,857$93,895$85,658$78,100$50,823
10 years$100,304$90,664$81,860$73,838$66,545$40,928
11 years$90,256$80,713$72,068$64,261$57,231$33,219
12 years$81,889$72,443$63,958$56,366$49,595$27,128
13 years$74,814$65,468$57,143$49,762$43,248$22,262
14 years$68,756$59,508$51,343$44,173$37,911$18,341
15 years$63,510$54,362$46,356$39,395$33,380$15,158
16 years$58,924$49,876$42,028$35,274$29,501$12,560
17 years$54,882$45,934$38,244$31,693$26,158$10,430
18 years$51,293$42,445$34,912$28,562$23,258$8,675
19 years$48,086$39,338$31,960$25,808$20,731$7,226
20 years$45,202$36,554$29,331$23,374$18,517$6,027
21 years$42,597$34,049$26,979$21,214$16,571$5,031
22 years$40,232$31,783$24,866$19,288$14,853$4,203
23 years$38,076$29,726$22,959$17,566$13,333$3,514
24 years$36,102$27,852$21,233$16,021$11,984$2,940
25 years$34,289$26,137$19,666$14,632$10,784$2,460
26 years$32,619$24,565$18,239$13,378$9,714$2,060
27 years$31,074$23,119$16,937$12,246$8,758$1,725
28 years$29,643$21,784$15,745$11,220$7,902$1,445
29 years$28,312$20,551$14,652$10,289$7,136$1,211
30 years$27,073$19,408$13,648$9,442$6,447$1,015
31 years$25,916$18,347$12,723$8,672$5,829$851
32 years$24,833$17,360$11,871$7,970$5,273$713
33 years$23,818$16,441$11,084$7,329$4,772$598
34 years$22,865$15,582$10,356$6,743$4,320$501
35 years$21,968$14,779$9,683$6,208$3,913$420
36 years$21,123$14,028$9,058$5,717$3,546$353
37 years$20,326$13,323$8,478$5,267$3,213$296
38 years$19,572$12,662$7,939$4,855$2,913$248
39 years$18,859$12,040$7,438$4,477$2,642$208
40 years$18,183$11,455$6,972$4,129$2,396$174
41 years$17,542$10,904$6,537$3,810$2,174$146
42 years$16,933$10,385$6,132$3,516$1,973$123
43 years$16,354$9,895$5,754$3,245$1,790$103
44 years$15,802$9,432$5,401$2,997$1,625$86
45 years$15,277$8,994$5,072$2,768$1,475$72
46 years$14,776$8,580$4,764$2,556$1,339$61
47 years$14,298$8,188$4,475$2,362$1,216$51
48 years$13,841$7,816$4,205$2,182$1,105$43
49 years$13,404$7,464$3,953$2,017$1,003$36
50 years$12,985$7,130$3,716$1,864$911$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,300,000, adding $5,942 every year, while hoping to spend $44,415 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: 53/25/22 Blend
29$13,300,000$13,300,000$13,300,000$13,300,000
30$14,662,729$13,957,829$13,751,679$15,350,622
31$16,111,070$14,594,506$14,165,103$16,461,442
32$17,705,654$15,260,891$14,590,888$17,664,455
33$19,461,349$15,958,393$15,029,402$18,972,624
34$21,394,541$16,688,489$15,481,022$20,395,993
35$23,523,286$17,452,726$15,946,137$21,945,603
36$25,867,477$18,252,725$16,425,148$23,633,588
37$28,449,037$19,090,187$16,918,468$25,473,292
38$31,292,123$19,966,890$17,426,522$27,479,389
39$34,423,355$20,884,703$17,949,745$29,668,014
40$37,872,064$21,845,580$18,488,589$32,056,915
41$41,670,574$22,851,573$19,043,516$34,665,613
42$45,854,502$23,904,830$19,615,003$37,515,583
43$50,463,097$25,007,602$20,203,541$40,630,451
44$55,539,608$26,162,250$20,809,635$44,036,211
45$61,131,696$27,371,248$21,433,806$47,761,468
46$67,291,879$28,637,189$22,076,589$51,837,696
47$74,078,031$29,962,791$22,738,534$56,299,536
48$81,553,924$31,350,903$23,420,209$61,185,111
49$89,789,837$32,804,509$24,122,199$66,536,384
50$98,863,211$34,326,741$24,845,103$72,399,543
51$108,859,387$35,920,879$25,589,542$78,825,432
52$119,872,404$37,590,362$26,356,151$85,870,025
53$132,005,893$39,338,794$27,145,587$93,594,941
54$145,374,053$41,169,954$27,958,523$102,068,025
55$160,102,728$43,087,803$28,795,655$111,363,974
56$176,330,594$45,096,493$29,657,697$121,565,033
57$194,210,471$47,200,377$30,545,386$132,761,769
58$213,910,760$49,404,017$31,459,477$145,053,908
59$235,617,040$51,712,196$32,400,752$158,551,268
60$259,533,813$54,129,929$33,370,012$173,374,791
61$285,886,437$56,662,471$34,368,083$189,657,665
62$314,923,255$59,315,333$35,395,815$207,546,576
63$346,917,935$62,094,292$36,454,083$227,203,076
64$382,172,056$65,005,404$37,543,787$248,805,099
65$421,017,955$68,055,018$38,665,853$272,548,625
66$463,821,863$71,249,790$39,821,235$298,649,519
67$510,987,362$74,596,699$41,010,915$327,345,549
68$562,959,195$78,103,059$42,235,903$358,898,621
69$620,227,465$81,776,542$43,497,239$393,597,233
70$683,332,262$85,625,188$44,795,991$431,759,182
71$752,868,758$89,657,427$46,133,262$473,734,546
72$829,492,830$93,882,100$47,510,185$519,908,972
73$913,927,248$98,308,472$48,927,926$570,707,297
74$1,006,968,501$102,946,261$50,387,685$626,597,540
75$1,109,494,312$107,805,652$51,890,697$688,095,297
76$1,222,471,930$112,897,327$53,438,233$755,768,588
77$1,346,967,254$118,232,483$55,031,601$830,243,199
78$1,484,154,902$123,822,863$56,672,147$912,208,562
79$1,635,329,295$129,680,776$58,361,257$1,002,424,240
80$1,801,916,879$135,819,130$60,100,356$1,101,727,073
81$1,985,489,594$142,251,460$61,890,911$1,211,039,050
82$2,187,779,706$148,991,956$63,734,430$1,331,375,987
83$2,410,696,171$156,055,496$65,632,468$1,463,857,081
84$2,656,342,647$163,457,683$67,586,623$1,609,715,452
85$2,927,037,362$171,214,873$69,598,539$1,770,309,747
86$3,225,334,991$179,344,221$71,669,909$1,947,136,934
87$3,554,050,783$187,863,711$73,802,474$2,141,846,401
88$3,916,287,133$196,792,202$75,998,026$2,356,255,486
89$4,315,462,869$206,149,469$78,258,409$2,592,366,595
90$4,755,345,536$215,956,247$80,585,520$2,852,386,071
91$5,240,086,957$226,234,279$82,981,311$3,138,744,974
92$5,774,262,432$237,006,365$85,447,790$3,454,121,990
93$6,362,913,934$248,296,410$87,987,025$3,801,468,674
94$7,011,597,705$260,129,485$90,601,141$4,184,037,263
95$7,726,436,719$272,531,877$93,292,326$4,605,411,333
96$8,514,178,476$285,531,151$96,062,832$5,069,539,572
97$9,382,258,718$299,156,214$98,914,973$5,580,773,006
98$10,338,871,616$313,437,378$101,851,134$6,143,906,014
99$11,393,047,139$328,406,427$104,873,765$6,764,221,535
100$12,554,736,299$344,096,695$107,985,388$7,447,540,872