Can I retire at age 30 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,073,829
2 years$564,154$553,647$543,464$533,591$524,015$497,373
3 years$372,367$361,815$351,657$341,877$332,457$306,608
4 years$276,492$265,972$255,917$246,303$237,111$212,255
5 years$218,982$208,525$198,602$189,185$180,248$156,454
6 years$180,655$170,277$160,500$151,292$142,624$119,916
7 years$153,289$142,998$133,376$124,386$115,992$94,372
8 years$132,774$122,576$113,113$104,344$96,226$75,686
9 years$116,826$106,724$97,425$88,878$81,036$61,560
10 years$104,075$94,072$84,937$76,614$69,047$50,611
11 years$93,649$83,747$74,777$66,677$59,383$41,961
12 years$84,967$75,167$66,363$58,485$51,460$35,024
13 years$77,627$67,929$59,291$51,633$44,874$29,392
14 years$71,341$61,745$53,273$45,834$39,336$24,775
15 years$65,897$56,405$48,098$40,876$34,635$20,959
16 years$61,139$51,751$43,608$36,600$30,610$17,784
17 years$56,945$47,661$39,682$32,885$27,141$15,128
18 years$53,221$44,041$36,224$29,636$24,133$12,896
19 years$49,893$40,816$33,162$26,779$21,510$11,013
20 years$46,902$37,929$30,434$24,253$19,213$9,419
21 years$44,199$35,329$27,994$22,011$17,194$8,065
22 years$41,745$32,978$25,800$20,013$15,412$6,914
23 years$39,507$30,844$23,822$18,226$13,834$5,933
24 years$37,460$28,899$22,031$16,624$12,435$5,094
25 years$35,579$27,120$20,405$15,182$11,189$4,378
26 years$33,845$25,489$18,925$13,881$10,079$3,764
27 years$32,243$23,988$17,574$12,706$9,087$3,238
28 years$30,757$22,603$16,337$11,641$8,199$2,786
29 years$29,377$21,324$15,203$10,675$7,404$2,399
30 years$28,091$20,138$14,161$9,797$6,690$2,066
31 years$26,890$19,037$13,202$8,998$6,048$1,779
32 years$25,767$18,013$12,318$8,269$5,471$1,533
33 years$24,714$17,059$11,501$7,604$4,951$1,321
34 years$23,725$16,168$10,746$6,997$4,483$1,139
35 years$22,794$15,335$10,047$6,441$4,060$982
36 years$21,918$14,555$9,398$5,932$3,679$846
37 years$21,090$13,824$8,797$5,465$3,334$730
38 years$20,308$13,138$8,238$5,038$3,023$629
39 years$19,568$12,493$7,718$4,645$2,741$543
40 years$18,867$11,886$7,234$4,284$2,486$468
41 years$18,201$11,314$6,783$3,953$2,256$404
42 years$17,569$10,775$6,363$3,648$2,047$348
43 years$16,968$10,266$5,971$3,367$1,858$300
44 years$16,396$9,786$5,604$3,109$1,686$259
45 years$15,851$9,332$5,262$2,872$1,531$223
46 years$15,331$8,902$4,943$2,652$1,390$193
47 years$14,835$8,496$4,643$2,451$1,262$166
48 years$14,361$8,110$4,364$2,264$1,146$143
49 years$13,908$7,745$4,101$2,093$1,041$124
50 years$13,474$7,398$3,856$1,934$945$107

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $13,800,000, adding $4,714 every year, while hoping to spend $35,199 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: 77/5/18 Blend
29$13,800,000$13,800,000$13,800,000$13,800,000
30$15,212,462$14,481,062$14,267,162$16,321,612
31$16,726,682$15,153,183$14,707,661$17,727,369
32$18,394,173$15,857,058$15,161,736$19,263,793
33$20,230,530$16,594,206$15,629,807$20,947,861
34$22,252,941$17,366,218$16,112,302$22,794,317
35$24,480,343$18,174,765$16,609,666$24,819,402
36$26,933,604$19,021,595$17,122,356$27,041,001
37$29,635,721$19,908,542$17,650,844$29,478,810
38$32,612,032$20,837,528$18,195,615$32,154,522
39$35,890,461$21,810,569$18,757,170$35,092,030
40$39,501,779$22,829,777$19,336,025$38,317,650
41$43,479,891$23,897,367$19,932,713$41,860,370
42$47,862,161$25,015,660$20,547,781$45,752,117
43$52,689,764$26,187,090$21,181,794$50,028,063
44$58,008,071$27,414,208$21,835,335$54,726,949
45$63,867,080$28,699,689$22,509,004$59,891,451
46$70,321,886$30,046,338$23,203,420$65,568,585
47$77,433,204$31,457,095$23,919,220$71,810,141
48$85,267,939$32,935,040$24,657,061$78,673,174
49$93,899,818$34,483,406$25,417,622$86,220,542
50$103,410,086$36,105,581$26,201,600$94,521,491
51$113,888,276$37,805,115$27,009,715$103,652,313
52$125,433,048$39,585,733$27,842,707$113,697,060
53$138,153,123$41,451,338$28,701,342$124,748,332
54$152,168,312$43,406,024$29,586,408$136,908,156
55$167,610,643$45,454,083$30,498,715$150,288,938
56$184,625,608$47,600,012$31,439,102$165,014,527
57$203,373,538$49,848,531$32,408,430$181,221,377
58$224,031,114$52,204,585$33,407,588$199,059,835
59$246,793,038$54,673,359$34,437,492$218,695,556
60$271,873,867$57,260,293$35,499,087$240,311,060
61$299,510,040$59,971,086$36,593,346$264,107,457
62$329,962,112$62,811,717$37,721,270$290,306,337
63$363,517,209$65,788,453$38,883,895$319,151,861
64$400,491,744$68,907,867$40,082,285$350,913,059
65$441,234,399$72,176,849$41,317,538$385,886,369
66$486,129,417$75,602,624$42,590,785$424,398,427
67$535,600,235$79,192,770$43,903,194$466,809,149
68$590,113,473$82,955,230$45,255,965$513,515,123
69$650,183,345$86,898,334$46,650,337$564,953,346
70$716,376,510$91,030,816$48,087,587$621,605,348
71$789,317,423$95,361,835$49,569,031$684,001,730
72$869,694,231$99,900,996$51,096,024$752,727,167
73$958,265,266$104,658,367$52,669,964$828,425,923
74$1,055,866,206$109,644,511$54,292,291$911,807,927
75$1,163,417,965$114,870,498$55,964,489$1,003,655,468
76$1,281,935,386$120,347,941$57,688,088$1,104,830,576
77$1,412,536,821$126,089,016$59,464,664$1,216,283,148
78$1,556,454,689$132,106,490$61,295,843$1,339,059,914
79$1,715,047,112$138,413,752$63,183,298$1,474,314,308
80$1,889,810,734$145,024,843$65,128,755$1,623,317,352
81$2,082,394,854$151,954,485$67,133,993$1,787,469,644
82$2,294,616,991$159,218,117$69,200,844$1,968,314,575
83$2,528,480,049$166,831,930$71,331,198$2,167,552,887
84$2,786,191,221$174,812,901$73,527,000$2,387,058,727
85$3,070,182,828$183,178,836$75,790,257$2,628,897,324
86$3,383,135,283$191,948,405$78,123,036$2,895,344,478
87$3,728,002,392$201,141,187$80,527,469$3,188,908,038
88$4,108,039,247$210,777,716$83,005,750$3,512,351,565
89$4,526,832,950$220,879,524$85,560,142$3,868,720,409
90$4,988,336,483$231,469,193$88,192,979$4,261,370,451
91$5,496,906,023$242,570,402$90,906,662$4,693,999,773
92$6,057,342,071$254,207,986$93,703,670$5,170,683,557
93$6,674,934,773$266,407,988$96,586,553$5,695,912,542
94$7,355,513,861$279,197,720$99,557,943$6,274,635,412
95$8,105,503,691$292,605,824$102,620,551$6,912,305,499
96$8,931,983,897$306,662,340$105,777,169$7,614,932,250
97$9,842,756,228$321,398,768$109,030,678$8,389,137,950
98$10,846,418,201$336,848,144$112,384,043$9,242,220,222
99$11,952,444,271$353,045,117$115,840,322$10,182,220,906
100$13,171,275,280$370,026,021$119,402,666$11,218,001,968