Can I retire at age 30 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,086,624
2 years$576,418$565,683$555,279$545,191$535,407$497,766
3 years$380,462$369,680$359,302$349,309$339,684$303,315
4 years$282,503$271,754$261,480$251,658$242,265$207,447
5 years$223,742$213,058$202,919$193,297$184,166$150,990
6 years$184,582$173,978$163,989$154,581$145,725$114,217
7 years$156,621$146,107$136,275$127,090$118,513$88,670
8 years$135,660$125,240$115,572$106,613$98,318$70,117
9 years$119,365$109,044$99,543$90,810$82,798$56,205
10 years$106,337$96,117$86,783$78,279$70,548$45,520
11 years$95,685$85,567$76,403$68,126$60,674$37,163
12 years$86,815$76,801$67,805$59,756$52,579$30,531
13 years$79,315$69,405$60,580$52,756$45,849$25,210
14 years$72,892$63,088$54,431$46,831$40,191$20,900
15 years$67,330$57,632$49,144$41,765$35,388$17,384
16 years$62,468$52,876$44,556$37,396$31,276$14,499
17 years$58,183$48,697$40,544$33,600$27,731$12,119
18 years$54,378$44,998$37,012$30,280$24,657$10,149
19 years$50,978$41,704$33,883$27,361$21,978$8,512
20 years$47,921$38,753$31,096$24,780$19,631$7,148
21 years$45,160$36,097$28,602$22,490$17,567$6,009
22 years$42,652$33,695$26,361$20,448$15,747$5,056
23 years$40,366$31,514$24,340$18,623$14,135$4,257
24 years$38,274$29,527$22,510$16,985$12,705$3,586
25 years$36,352$27,710$20,849$15,512$11,433$3,023
26 years$34,581$26,043$19,336$14,183$10,298$2,550
27 years$32,943$24,509$17,956$12,982$9,285$2,151
28 years$31,426$23,095$16,692$11,894$8,378$1,815
29 years$30,015$21,787$15,533$10,907$7,565$1,532
30 years$28,702$20,576$14,469$10,010$6,835$1,294
31 years$27,475$19,451$13,489$9,194$6,180$1,092
32 years$26,327$18,405$12,585$8,449$5,590$923
33 years$25,251$17,429$11,751$7,770$5,059$779
34 years$24,241$16,519$10,979$7,149$4,580$658
35 years$23,290$15,668$10,265$6,581$4,149$556
36 years$22,394$14,871$9,603$6,061$3,759$470
37 years$21,549$14,124$8,988$5,584$3,407$397
38 years$20,750$13,423$8,417$5,147$3,089$336
39 years$19,993$12,764$7,886$4,746$2,801$284
40 years$19,277$12,144$7,391$4,377$2,540$240
41 years$18,597$11,560$6,931$4,039$2,305$203
42 years$17,951$11,009$6,501$3,727$2,091$171
43 years$17,337$10,490$6,100$3,441$1,898$145
44 years$16,753$9,999$5,726$3,177$1,723$122
45 years$16,196$9,535$5,377$2,934$1,564$103
46 years$15,665$9,096$5,050$2,710$1,420$87
47 years$15,158$8,680$4,744$2,504$1,289$74
48 years$14,673$8,286$4,458$2,314$1,171$62
49 years$14,210$7,913$4,191$2,138$1,064$53
50 years$13,767$7,559$3,940$1,976$966$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $14,100,000, adding $2,970 every year, while hoping to spend $29,168 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: 54/28/18 Blend
29$14,100,000$14,100,000$14,100,000$14,100,000
30$15,541,264$14,793,964$14,575,414$16,304,813
31$17,095,438$15,487,833$15,032,655$17,521,087
32$18,807,160$16,214,725$15,504,237$18,841,003
33$20,692,470$16,976,226$15,990,609$20,277,136
34$22,769,042$17,774,000$16,492,233$21,840,580
35$25,056,350$18,609,793$17,009,590$23,543,524
36$27,575,858$19,485,432$17,543,171$25,399,371
37$30,351,214$20,402,837$18,093,485$27,422,850
38$33,408,478$21,364,017$18,661,057$29,630,158
39$36,776,369$22,371,079$19,246,429$32,039,104
40$40,486,531$23,426,235$19,850,157$34,669,274
41$44,573,839$24,531,802$20,472,819$37,542,206
42$49,076,718$25,690,208$21,115,006$40,681,592
43$54,037,516$26,904,001$21,777,331$44,113,494
44$59,502,897$28,175,851$22,460,426$47,866,583
45$65,524,283$29,508,559$23,164,942$51,972,404
46$72,158,342$30,905,061$23,891,549$56,465,664
47$79,467,519$32,368,434$24,640,942$61,384,556
48$87,520,626$33,901,907$25,413,833$66,771,112
49$96,393,493$35,508,864$26,210,960$72,671,587
50$106,169,684$37,192,854$27,033,082$79,136,891
51$116,941,285$38,957,596$27,880,983$86,223,063
52$128,809,771$40,806,993$28,755,471$93,991,783
53$141,886,968$42,745,136$29,657,380$102,510,955
54$156,296,105$44,776,314$30,587,568$111,855,329
55$172,172,978$46,905,024$31,546,922$122,107,202
56$189,667,235$49,135,983$32,536,357$133,357,180
57$208,943,783$51,474,137$33,556,816$145,705,026
58$230,184,350$53,924,670$34,609,270$159,260,585
59$253,589,196$56,493,021$35,694,722$174,144,812
60$279,379,006$59,184,892$36,814,208$190,490,901
61$307,796,975$62,006,261$37,968,794$208,445,526
62$339,111,097$64,963,399$39,159,579$228,170,211
63$373,616,703$68,062,879$40,387,699$249,842,845
64$411,639,243$71,311,597$41,654,323$273,659,339
65$453,537,362$74,716,781$42,960,659$299,835,464
66$499,706,283$78,286,014$44,307,952$328,608,867
67$550,581,539$82,027,244$45,697,483$360,241,300
68$606,643,086$85,948,809$47,130,579$395,021,069
69$668,419,830$90,059,450$48,608,603$433,265,739
70$736,494,626$94,368,336$50,132,965$475,325,110
71$811,509,774$98,885,081$51,705,115$521,584,495
72$894,173,088$103,619,767$53,326,553$572,468,340
73$985,264,573$108,582,965$54,998,822$628,444,205
74$1,085,643,792$113,785,764$56,723,516$690,027,151
75$1,196,257,983$119,239,790$58,502,278$757,784,580
76$1,318,150,994$124,957,237$60,336,801$832,341,565
77$1,452,473,146$130,950,892$62,228,834$914,386,717
78$1,600,492,086$137,234,164$64,180,179$1,004,678,664
79$1,763,604,758$143,821,117$66,192,694$1,104,053,176
80$1,943,350,590$150,726,500$68,268,297$1,213,431,023
81$2,141,426,030$157,965,777$70,408,964$1,333,826,639
82$2,359,700,555$165,555,170$72,616,734$1,466,357,656
83$2,600,234,327$173,511,689$74,893,710$1,612,255,423
84$2,865,297,640$181,853,173$77,242,061$1,772,876,591
85$3,157,392,352$190,598,331$79,664,023$1,949,715,876
86$3,479,275,507$199,766,785$82,161,903$2,144,420,133
87$3,833,985,361$209,379,110$84,738,080$2,358,803,854
88$4,224,870,069$219,456,888$87,395,006$2,594,866,255
89$4,655,619,291$230,022,749$90,135,213$2,854,810,096
90$5,130,299,025$241,100,431$92,961,310$3,141,062,430
91$5,653,390,000$252,714,827$95,875,988$3,456,297,461
92$6,229,829,969$264,892,042$98,882,023$3,803,461,733
93$6,865,060,332$277,659,459$101,982,277$4,185,801,888
94$7,565,077,505$291,045,791$105,179,702$4,606,895,258
95$8,336,489,532$305,081,156$108,477,343$5,070,683,570
96$9,186,578,470$319,797,138$111,878,340$5,581,510,094
97$10,123,369,140$335,226,864$115,385,931$6,144,160,571
98$11,155,704,888$351,405,077$119,003,455$6,763,908,327
99$12,293,331,074$368,368,212$122,734,358$7,446,563,974
100$13,546,987,075$386,154,487$126,582,191$8,198,530,187