Can I retire at age 30 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,072,711
2 years$555,978$545,623$535,588$525,858$516,421$504,568
3 years$366,970$356,571$346,561$336,922$327,638$316,073
4 years$272,485$262,117$252,208$242,734$233,674$222,485
5 years$215,808$205,503$195,723$186,443$177,636$166,855
6 years$178,036$167,809$158,174$149,100$140,557$130,198
7 years$151,067$140,926$131,443$122,583$114,310$104,378
8 years$130,849$120,799$111,474$102,832$94,832$85,325
9 years$115,133$105,177$96,013$87,590$79,862$70,777
10 years$102,567$92,709$83,706$75,503$68,046$59,378
11 years$92,292$82,533$73,693$65,711$58,522$50,262
12 years$83,736$74,077$65,401$57,637$50,714$42,855
13 years$76,502$66,944$58,431$50,885$44,224$36,755
14 years$70,307$60,850$52,501$45,170$38,766$31,678
15 years$64,942$55,588$47,401$40,284$34,133$27,415
16 years$60,253$51,001$42,976$36,070$30,167$23,807
17 years$56,120$46,970$39,107$32,408$26,748$20,734
18 years$52,450$43,402$35,699$29,206$23,783$18,103
19 years$49,170$40,225$32,681$26,390$21,198$15,840
20 years$46,222$37,379$29,993$23,902$18,935$13,885
21 years$43,558$34,817$27,588$21,692$16,944$12,191
22 years$41,140$32,500$25,426$19,723$15,188$10,719
23 years$38,935$30,397$23,477$17,962$13,634$9,436
24 years$36,917$28,480$21,712$16,383$12,254$8,315
25 years$35,063$26,727$20,110$14,962$11,027$7,334
26 years$33,354$25,119$18,651$13,680$9,933$6,474
27 years$31,775$23,640$17,319$12,522$8,955$5,719
28 years$30,311$22,276$16,100$11,473$8,080$5,055
29 years$28,951$21,015$14,983$10,521$7,296$4,471
30 years$27,684$19,846$13,956$9,655$6,593$3,956
31 years$26,500$18,761$13,010$8,868$5,961$3,502
32 years$25,393$17,752$12,139$8,150$5,392$3,101
33 years$24,356$16,811$11,334$7,494$4,880$2,747
34 years$23,381$15,933$10,590$6,895$4,418$2,434
35 years$22,464$15,113$9,901$6,348$4,001$2,157
36 years$21,600$14,344$9,262$5,846$3,625$1,912
37 years$20,785$13,624$8,669$5,386$3,286$1,696
38 years$20,014$12,947$8,118$4,965$2,979$1,504
39 years$19,284$12,311$7,606$4,578$2,701$1,334
40 years$18,593$11,713$7,129$4,222$2,450$1,183
41 years$17,938$11,150$6,685$3,896$2,223$1,050
42 years$17,315$10,619$6,271$3,595$2,017$932
43 years$16,723$10,118$5,884$3,319$1,831$827
44 years$16,159$9,644$5,523$3,064$1,662$734
45 years$15,622$9,197$5,186$2,830$1,509$651
46 years$15,109$8,773$4,871$2,614$1,370$578
47 years$14,620$8,372$4,576$2,415$1,244$513
48 years$14,153$7,993$4,300$2,232$1,129$455
49 years$13,706$7,632$4,042$2,062$1,026$404
50 years$13,278$7,291$3,800$1,906$932$359

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,600,000, adding $6,413 every year, while hoping to spend $25,546 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: 62/22/16 Blend
29$13,600,000$13,600,000$13,600,000$13,600,000
30$14,993,815$14,273,015$14,062,215$15,863,103
31$16,496,003$14,945,212$14,506,118$17,120,675
32$18,150,559$15,649,490$14,964,036$18,489,456
33$19,972,996$16,387,395$15,436,412$19,983,093
34$21,980,410$17,160,547$15,923,700$21,613,717
35$24,191,641$17,970,643$16,426,374$23,394,670
36$26,627,449$18,819,464$16,944,917$25,340,625
37$29,310,709$19,708,878$17,479,832$27,467,727
38$32,266,630$20,640,842$18,031,635$29,793,737
39$35,522,991$21,617,408$18,600,860$32,338,197
40$39,110,404$22,640,729$19,188,056$35,122,609
41$43,062,601$23,713,061$19,793,792$38,170,635
42$47,416,754$24,836,769$20,418,653$41,508,316
43$52,213,827$26,014,335$21,063,242$45,164,312
44$57,498,960$27,248,359$21,728,182$49,170,167
45$63,321,894$28,541,569$22,414,117$53,560,603
46$69,737,446$29,896,824$23,121,708$58,373,843
47$76,806,021$31,317,124$23,851,641$63,651,963
48$84,594,184$32,805,612$24,604,620$69,441,285
49$93,175,289$34,365,586$25,381,373$75,792,809
50$102,630,171$36,000,502$26,182,651$82,762,686
51$113,047,907$37,713,985$27,009,229$90,412,744
52$124,526,660$39,509,837$27,861,905$98,811,058
53$137,174,604$41,392,044$28,741,503$108,032,596
54$151,110,944$43,364,784$29,648,874$118,159,907
55$166,467,044$45,432,442$30,584,894$129,283,902
56$183,387,663$47,599,613$31,550,469$141,504,696
57$202,032,327$49,871,116$32,546,532$154,932,550
58$222,576,828$52,252,004$33,574,045$169,688,899
59$245,214,891$54,747,579$34,634,002$185,907,489
60$270,159,996$57,363,396$35,727,426$203,735,631
61$297,647,396$60,105,283$36,855,376$223,335,580
62$327,936,341$62,979,352$38,018,941$244,886,056
63$361,312,518$65,992,011$39,219,247$268,583,917
64$398,090,756$69,149,981$40,457,453$294,646,010
65$438,617,992$72,460,308$41,734,756$323,311,199
66$483,276,548$75,930,384$43,052,391$354,842,614
67$532,487,741$79,567,958$44,411,631$389,530,115
68$586,715,861$83,381,159$45,813,791$427,693,015
69$646,472,552$87,378,509$47,260,227$469,683,081
70$712,321,644$91,568,947$48,752,335$515,887,840
71$784,884,472$95,961,846$50,291,559$566,734,214
72$864,845,749$100,567,038$51,879,387$622,692,541
73$952,960,023$105,394,830$53,517,354$684,280,992
74$1,050,058,802$110,456,034$55,207,043$752,070,443
75$1,157,058,408$115,761,987$56,950,087$826,689,850
76$1,274,968,623$121,324,582$58,748,172$908,832,158
77$1,404,902,223$127,156,286$60,603,036$999,260,826
78$1,548,085,484$133,270,179$62,516,472$1,098,817,010
79$1,705,869,759$139,679,974$64,490,330$1,208,427,480
80$1,879,744,237$146,400,055$66,526,518$1,329,113,344
81$2,071,349,998$153,445,506$68,627,005$1,461,999,661
82$2,282,495,509$160,832,148$70,793,822$1,608,326,034
83$2,515,173,699$168,576,571$73,029,063$1,769,458,289
84$2,771,580,770$176,696,176$75,334,889$1,946,901,330
85$3,054,136,931$185,209,211$77,713,530$2,142,313,324
86$3,365,509,250$194,134,815$80,167,286$2,357,521,314
87$3,708,636,833$203,493,060$82,698,529$2,594,538,440
88$4,086,758,566$213,304,996$85,309,706$2,855,582,902
89$4,503,443,700$223,592,702$88,003,342$3,143,098,867
90$4,962,625,545$234,379,331$90,782,041$3,459,779,506
91$5,468,638,601$245,689,169$93,648,491$3,808,592,370
92$6,026,259,485$257,547,685$96,605,461$4,192,807,373
93$6,640,752,020$269,981,589$99,655,812$4,616,027,606
94$7,317,916,938$283,018,899$102,802,493$5,082,223,314
95$8,064,146,635$296,688,995$106,048,547$5,595,769,325
96$8,886,485,531$311,022,694$109,397,111$6,161,486,296
97$9,792,696,565$326,052,316$112,851,425$6,784,686,175
98$10,791,334,495$341,811,759$116,414,828$7,471,222,289
99$11,891,826,654$358,336,576$120,090,765$8,227,544,545
100$13,104,561,958$375,664,054$123,882,792$9,060,760,259