Can I retire at age 30 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,086,940
2 years$560,066$549,635$539,526$529,725$520,218$514,649
3 years$369,668$359,193$349,109$339,400$330,048$324,601
4 years$274,488$264,045$254,062$244,518$235,393$230,109
5 years$217,395$207,014$197,163$187,814$178,942$173,837
6 years$179,346$169,043$159,337$150,196$141,591$136,672
7 years$152,178$141,962$132,410$123,484$115,151$110,420
8 years$131,811$121,687$112,294$103,588$95,529$90,987
9 years$115,979$105,951$96,719$88,234$80,449$76,094
10 years$103,321$93,390$84,321$76,059$68,547$64,377
11 years$92,971$83,140$74,235$66,194$58,952$54,966
12 years$84,352$74,622$65,882$58,061$51,087$47,279
13 years$77,065$67,437$58,861$51,259$44,549$40,917
14 years$70,824$61,298$52,887$45,502$39,051$35,591
15 years$65,420$55,997$47,750$40,580$34,384$31,091
16 years$60,696$51,376$43,292$36,335$30,388$27,258
17 years$56,533$47,315$39,394$32,647$26,945$23,972
18 years$52,836$43,721$35,962$29,421$23,958$21,138
19 years$49,532$40,521$32,921$26,584$21,354$18,683
20 years$46,562$37,654$30,214$24,077$19,074$16,545
21 years$43,878$35,073$27,791$21,852$17,069$14,678
22 years$41,442$32,739$25,613$19,868$15,300$13,041
23 years$39,221$30,620$23,649$18,094$13,734$11,602
24 years$37,188$28,689$21,872$16,503$12,345$10,335
25 years$35,321$26,924$20,258$15,072$11,108$9,215
26 years$33,600$25,304$18,788$13,781$10,006$8,224
27 years$32,009$23,814$17,446$12,614$9,021$7,346
28 years$30,534$22,440$16,219$11,557$8,140$6,566
29 years$29,164$21,169$15,093$10,598$7,350$5,873
30 years$27,887$19,992$14,058$9,726$6,641$5,256
31 years$26,695$18,899$13,106$8,933$6,004$4,706
32 years$25,580$17,882$12,228$8,210$5,431$4,216
33 years$24,535$16,935$11,418$7,549$4,915$3,778
34 years$23,553$16,051$10,668$6,946$4,450$3,387
35 years$22,629$15,224$9,974$6,394$4,031$3,037
36 years$21,759$14,449$9,330$5,889$3,652$2,724
37 years$20,937$13,724$8,733$5,426$3,310$2,444
38 years$20,161$13,042$8,178$5,001$3,001$2,194
39 years$19,426$12,402$7,662$4,611$2,721$1,969
40 years$18,730$11,800$7,182$4,253$2,468$1,768
41 years$18,070$11,232$6,734$3,924$2,239$1,588
42 years$17,442$10,697$6,317$3,622$2,032$1,426
43 years$16,845$10,192$5,927$3,343$1,844$1,281
44 years$16,278$9,715$5,564$3,087$1,674$1,151
45 years$15,736$9,264$5,224$2,851$1,520$1,034
46 years$15,220$8,838$4,907$2,633$1,380$929
47 years$14,728$8,434$4,610$2,433$1,253$835
48 years$14,257$8,051$4,332$2,248$1,138$750
49 years$13,807$7,689$4,072$2,078$1,033$674
50 years$13,376$7,344$3,828$1,920$939$606

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,700,000, adding $5,854 every year, while hoping to spend $44,365 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: 87/7/6 Blend
29$13,700,000$13,700,000$13,700,000$13,700,000
30$15,103,438$14,377,338$14,164,988$16,413,801
31$16,596,785$15,034,624$14,592,311$17,925,309
32$18,240,966$15,722,630$15,032,463$19,579,605
33$20,051,320$16,442,814$15,485,826$21,396,405
34$22,044,748$17,196,705$15,952,794$23,392,048
35$24,239,874$17,985,905$16,433,774$25,584,533
36$26,657,219$18,812,092$16,929,183$27,993,684
37$29,319,397$19,677,026$17,439,453$30,641,338
38$32,251,326$20,582,551$17,965,025$33,551,547
39$35,480,464$21,530,599$18,506,357$36,750,809
40$39,037,069$22,523,196$19,063,917$40,268,308
41$42,954,482$23,562,464$19,638,190$44,136,198
42$47,269,443$24,650,629$20,229,674$48,389,897
43$52,022,439$25,790,023$20,838,880$53,068,424
44$57,258,083$26,983,089$21,466,338$58,214,764
45$63,025,538$28,232,391$22,112,591$63,876,273
46$69,378,977$29,540,613$22,778,197$70,105,123
47$76,378,100$30,910,570$23,463,734$76,958,791
48$84,088,691$32,345,212$24,169,794$84,500,601
49$92,583,243$33,847,633$24,896,987$92,800,321
50$101,941,640$35,421,074$25,645,943$101,934,817
51$112,251,914$37,068,933$26,417,309$111,988,776
52$123,611,071$38,794,773$27,211,750$123,055,506
53$136,126,010$40,602,326$28,029,953$135,237,812
54$149,914,531$42,495,508$28,872,625$148,648,966
55$165,106,446$44,478,421$29,740,491$163,413,771
56$181,844,807$46,555,367$30,634,301$179,669,737
57$200,287,252$48,730,855$31,554,824$197,568,378
58$220,607,496$51,009,611$32,502,855$217,276,639
59$242,996,970$53,396,591$33,479,210$238,978,466
60$267,666,626$55,896,990$34,484,729$262,876,543
61$294,848,932$58,516,253$35,520,278$289,194,199
62$324,800,064$61,260,090$36,586,748$318,177,513
63$357,802,322$64,134,485$37,685,055$350,097,637
64$394,166,798$67,145,715$38,816,145$385,253,347
65$434,236,314$70,300,357$39,980,987$423,973,861
66$478,388,652$73,605,308$41,180,584$466,621,945
67$527,040,125$77,067,800$42,415,965$513,597,330
68$580,649,508$80,695,412$43,688,190$565,340,484
69$639,722,363$84,496,092$44,998,350$622,336,761
70$704,815,818$88,478,174$46,347,568$685,120,984
71$776,543,821$92,650,394$47,737,001$754,282,484
72$855,582,939$97,021,912$49,167,839$830,470,659
73$942,678,744$101,602,331$50,641,307$914,401,100
74$1,038,652,851$106,401,720$52,158,665$1,006,862,341
75$1,144,410,674$111,430,637$53,721,213$1,108,723,295
76$1,260,949,976$116,700,151$55,330,287$1,220,941,452
77$1,389,370,282$122,221,867$56,987,260$1,344,571,911
78$1,530,883,267$128,007,955$58,693,550$1,480,777,333
79$1,686,824,189$134,071,174$60,450,612$1,630,838,912
80$1,858,664,496$140,424,901$62,259,948$1,796,168,459
81$2,048,025,718$147,083,165$64,123,099$1,978,321,728
82$2,256,694,774$154,060,672$66,041,656$2,179,013,087
83$2,486,640,843$161,372,847$68,017,253$2,400,131,701
84$2,740,033,951$169,035,859$70,051,573$2,643,759,355
85$3,019,265,462$177,066,664$72,146,349$2,912,190,098
86$3,326,970,651$185,483,042$74,303,363$3,207,951,890
87$3,666,053,583$194,303,636$76,524,451$3,533,830,456
88$4,039,714,529$203,547,995$78,811,501$3,892,895,580
89$4,451,480,181$213,236,618$81,166,457$4,288,530,069
90$4,905,236,946$223,390,998$83,591,319$4,724,461,677
91$5,405,267,632$234,033,675$86,088,146$5,204,798,290
92$5,956,291,889$245,188,283$88,659,058$5,734,066,692
93$6,563,510,759$256,879,607$91,306,234$6,317,255,285
94$7,232,655,783$269,133,633$94,031,918$6,959,861,176
95$7,970,043,107$281,977,616$96,838,422$7,667,942,052
96$8,782,633,116$295,440,131$99,728,121$8,448,173,359
97$9,678,096,142$309,551,146$102,703,462$9,307,911,305
98$10,664,884,883$324,342,086$105,766,962$10,255,262,293
99$11,752,314,197$339,845,905$108,921,211$11,299,159,433
100$12,950,649,050$356,097,158$112,168,876$12,449,446,861