Can I retire at age 30 with 2,500,000?

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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$206,448$204,609$202,815$201,063$199,354$198,097
2 years$102,202$100,298$98,454$96,665$94,930$93,663
3 years$67,458$65,546$63,706$61,934$60,228$58,989
4 years$50,089$48,183$46,362$44,620$42,955$41,754
5 years$39,671$37,776$35,979$34,273$32,654$31,494
6 years$32,727$30,847$29,076$27,408$25,838$24,721
7 years$27,770$25,905$24,162$22,534$21,013$19,939
8 years$24,053$22,206$20,492$18,903$17,432$16,402
9 years$21,164$19,334$17,649$16,101$14,680$13,694
10 years$18,854$17,042$15,387$13,879$12,509$11,564
11 years$16,965$15,172$13,547$12,079$10,758$9,856
12 years$15,393$13,617$12,022$10,595$9,322$8,462
13 years$14,063$12,306$10,741$9,354$8,129$7,309
14 years$12,924$11,186$9,651$8,303$7,126$6,345
15 years$11,938$10,218$8,713$7,405$6,274$5,532
16 years$11,076$9,375$7,900$6,630$5,545$4,840
17 years$10,316$8,634$7,189$5,957$4,917$4,248
18 years$9,642$7,978$6,562$5,369$4,372$3,738
19 years$9,039$7,394$6,008$4,851$3,897$3,296
20 years$8,497$6,871$5,513$4,394$3,481$2,913
21 years$8,007$6,400$5,071$3,988$3,115$2,579
22 years$7,562$5,974$4,674$3,626$2,792$2,286
23 years$7,157$5,588$4,316$3,302$2,506$2,029
24 years$6,786$5,235$3,991$3,012$2,253$1,803
25 years$6,445$4,913$3,697$2,750$2,027$1,604
26 years$6,131$4,617$3,428$2,515$1,826$1,428
27 years$5,841$4,346$3,184$2,302$1,646$1,273
28 years$5,572$4,095$2,960$2,109$1,485$1,135
29 years$5,322$3,863$2,754$1,934$1,341$1,013
30 years$5,089$3,648$2,565$1,775$1,212$904
31 years$4,871$3,449$2,392$1,630$1,096$808
32 years$4,668$3,263$2,231$1,498$991$722
33 years$4,477$3,090$2,084$1,378$897$645
34 years$4,298$2,929$1,947$1,268$812$577
35 years$4,129$2,778$1,820$1,167$736$516
36 years$3,971$2,637$1,703$1,075$666$462
37 years$3,821$2,504$1,594$990$604$413
38 years$3,679$2,380$1,492$913$548$370
39 years$3,545$2,263$1,398$841$497$331
40 years$3,418$2,153$1,310$776$450$297
41 years$3,297$2,050$1,229$716$409$266
42 years$3,183$1,952$1,153$661$371$238
43 years$3,074$1,860$1,082$610$337$213
44 years$2,970$1,773$1,015$563$305$191
45 years$2,872$1,691$953$520$277$171
46 years$2,777$1,613$895$481$252$153
47 years$2,688$1,539$841$444$229$137
48 years$2,602$1,469$791$410$208$123
49 years$2,519$1,403$743$379$189$110
50 years$2,441$1,340$699$350$171$99

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $2,500,000, adding $3,862 every year, while hoping to spend $51,062 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: 39/46/15 Blend
29$2,500,000$2,500,000$2,500,000$2,500,000
30$2,758,984$2,626,484$2,587,734$2,854,035
31$2,986,070$2,700,852$2,620,093$2,996,461
32$3,234,609$2,777,153$2,651,825$3,145,131
33$3,506,732$2,855,427$2,682,855$3,304,784
34$3,804,792$2,935,716$2,713,104$3,476,438
35$4,131,375$3,018,060$2,742,487$3,661,214
36$4,489,333$3,102,502$2,770,918$3,860,341
37$4,881,804$3,189,084$2,798,302$4,075,176
38$5,312,245$3,277,846$2,824,543$4,307,209
39$5,784,465$3,368,832$2,849,536$4,558,082
40$6,302,658$3,462,082$2,873,173$4,829,600
41$6,871,444$3,557,639$2,895,340$5,123,752
42$7,495,913$3,655,545$2,915,915$5,442,727
43$8,181,671$3,755,841$2,934,773$5,788,934
44$8,934,893$3,858,569$2,951,779$6,165,027
45$9,762,382$3,963,769$2,966,794$6,573,929
46$10,671,633$4,071,482$2,979,670$7,018,857
47$11,670,903$4,181,748$2,990,252$7,503,355
48$12,769,288$4,294,606$2,998,378$8,031,326
49$13,976,808$4,410,094$3,003,876$8,607,069
50$15,304,504$4,528,251$3,006,568$9,235,321
51$16,764,540$4,649,112$3,006,265$9,921,296
52$18,370,318$4,772,713$3,002,769$10,670,742
53$20,136,602$4,899,088$2,995,874$11,489,989
54$22,079,662$5,028,270$2,985,362$12,386,011
55$24,217,421$5,160,289$2,971,005$13,366,491
56$26,569,630$5,295,174$2,952,565$14,439,895
57$29,158,047$5,432,953$2,929,792$15,615,548
58$32,006,650$5,573,650$2,902,422$16,903,728
59$35,141,857$5,717,287$2,870,181$18,315,756
60$38,592,776$5,863,884$2,832,782$19,864,108
61$42,391,482$6,013,457$2,789,923$21,562,530
62$46,573,317$6,166,021$2,741,290$23,426,170
63$51,177,223$6,321,583$2,686,551$25,471,717
64$56,246,111$6,480,152$2,625,361$27,717,564
65$61,827,263$6,641,727$2,557,359$30,183,977
66$67,972,779$6,806,308$2,482,166$32,893,288
67$74,740,071$6,973,885$2,399,387$35,870,106
68$82,192,400$7,144,448$2,308,608$39,141,550
69$90,399,475$7,317,976$2,209,397$42,737,504
70$99,438,111$7,494,446$2,101,301$46,690,899
71$109,392,950$7,673,826$1,983,847$51,038,027
72$120,357,267$7,856,078$1,856,541$55,818,877
73$132,433,839$8,041,158$1,718,867$61,077,523
74$145,735,927$8,229,011$1,570,284$66,862,531
75$160,388,333$8,419,574$1,410,231$73,227,421
76$176,528,586$8,612,776$1,238,116$80,231,176
77$194,308,235$8,808,535$1,053,326$87,938,793
78$213,894,280$9,006,759$855,218$96,421,903
79$235,470,751$9,207,344$643,122$105,759,444
80$259,240,438$9,410,174$416,337$116,038,407
81$285,426,810$9,615,120$174,132$127,354,660
82$314,276,124$9,822,040$0$139,813,852
83$346,059,745$10,030,776$0$153,545,911
84$381,076,710$10,241,155$0$168,696,266
85$419,656,550$10,452,988$0$185,378,551
86$462,162,399$10,666,065$0$203,748,732
87$508,994,422$10,880,161$0$223,978,683
88$560,593,593$11,095,028$0$246,257,804
89$617,445,854$11,310,399$0$270,794,815
90$680,086,704$11,525,982$0$297,819,720
91$749,106,255$11,741,462$0$327,585,985
92$825,154,797$11,956,498$0$360,372,926
93$908,948,941$12,170,721$0$396,488,349
94$1,001,278,380$12,383,734$0$436,271,457
95$1,103,013,347$12,595,109$0$480,096,049
96$1,215,112,825$12,804,386$0$528,374,055
97$1,338,633,601$13,011,068$0$581,559,420
98$1,474,740,243$13,214,626$0$640,152,395
99$1,624,716,093$13,414,487$0$704,704,258
100$1,789,975,377$13,610,040$0$775,822,519