Can I retire at age 30 with 3,900,000?

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 $3,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$322,058$319,190$316,391$313,659$310,991$305,714
2 years$159,435$156,466$153,588$150,798$148,091$142,790
3 years$105,234$102,252$99,381$96,617$93,955$88,796
4 years$78,139$75,166$72,324$69,607$67,010$62,032
5 years$61,886$58,931$56,127$53,465$50,940$46,158
6 years$51,055$48,122$45,359$42,757$40,307$35,726
7 years$43,321$40,412$37,693$35,153$32,780$28,402
8 years$37,523$34,641$31,967$29,489$27,194$23,018
9 years$33,016$30,161$27,533$25,118$22,902$18,925
10 years$29,412$26,586$24,004$21,652$19,513$15,733
11 years$26,466$23,668$21,133$18,843$16,782$13,193
12 years$24,013$21,243$18,755$16,528$14,543$11,142
13 years$21,938$19,197$16,756$14,592$12,682$9,463
14 years$20,161$17,450$15,055$12,953$11,117$8,074
15 years$18,623$15,941$13,593$11,552$9,788$6,916
16 years$17,278$14,625$12,324$10,343$8,651$5,944
17 years$16,093$13,469$11,214$9,294$7,670$5,122
18 years$15,041$12,446$10,237$8,375$6,820$4,424
19 years$14,100$11,535$9,372$7,568$6,079$3,829
20 years$13,255$10,719$8,601$6,854$5,430$3,319
21 years$12,491$9,984$7,911$6,221$4,859$2,882
22 years$11,797$9,320$7,291$5,656$4,355$2,505
23 years$11,165$8,717$6,732$5,151$3,910$2,180
24 years$10,586$8,167$6,226$4,698$3,514$1,898
25 years$10,055$7,664$5,767$4,290$3,162$1,655
26 years$9,565$7,203$5,348$3,923$2,848$1,443
27 years$9,112$6,779$4,966$3,591$2,568$1,260
28 years$8,692$6,388$4,617$3,290$2,317$1,100
29 years$8,302$6,026$4,296$3,017$2,092$961
30 years$7,939$5,691$4,002$2,769$1,891$840
31 years$7,599$5,380$3,731$2,543$1,709$735
32 years$7,282$5,091$3,481$2,337$1,546$642
33 years$6,984$4,821$3,250$2,149$1,399$562
34 years$6,705$4,569$3,037$1,977$1,267$492
35 years$6,442$4,334$2,839$1,820$1,147$430
36 years$6,194$4,113$2,656$1,676$1,040$377
37 years$5,960$3,907$2,486$1,545$942$330
38 years$5,739$3,713$2,328$1,424$854$289
39 years$5,530$3,531$2,181$1,313$775$253
40 years$5,332$3,359$2,044$1,211$703$221
41 years$5,144$3,197$1,917$1,117$637$194
42 years$4,965$3,045$1,798$1,031$578$170
43 years$4,795$2,901$1,687$952$525$149
44 years$4,634$2,766$1,584$879$477$130
45 years$4,480$2,637$1,487$812$433$114
46 years$4,333$2,516$1,397$750$393$100
47 years$4,193$2,401$1,312$693$357$88
48 years$4,059$2,292$1,233$640$324$77
49 years$3,930$2,189$1,159$591$294$67
50 years$3,808$2,091$1,090$547$267$59

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $3,900,000, adding $5,026 every year, while hoping to spend $22,835 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: 71/20/9 Blend
29$3,900,000$3,900,000$3,900,000$3,900,000
30$4,302,984$4,096,284$4,035,834$4,601,093
31$4,717,592$4,272,706$4,146,739$4,975,332
32$5,173,725$4,457,007$4,260,593$5,381,541
33$5,675,594$4,649,549$4,377,471$5,825,548
34$6,227,840$4,850,712$4,497,451$6,311,069
35$6,835,574$5,060,891$4,620,611$6,842,195
36$7,504,431$5,280,503$4,747,029$7,423,429
37$8,240,617$5,509,983$4,876,790$8,059,727
38$9,050,973$5,749,785$5,009,975$8,756,543
39$9,943,034$6,000,386$5,146,671$9,519,881
40$10,925,104$6,262,286$5,286,965$10,356,352
41$12,006,334$6,536,007$5,430,948$11,273,234
42$13,196,806$6,822,097$5,578,710$12,278,537
43$14,507,629$7,121,129$5,730,346$13,381,085
44$15,951,046$7,433,703$5,885,951$14,590,589
45$17,540,546$7,760,447$6,045,624$15,917,746
46$19,290,993$8,102,021$6,209,464$17,374,334
47$21,218,768$8,459,113$6,377,574$18,973,322
48$23,341,918$8,832,446$6,550,059$20,728,993
49$25,680,333$9,222,775$6,727,026$22,657,078
50$28,255,929$9,630,893$6,908,583$24,774,901
51$31,092,857$10,057,629$7,094,843$27,101,541
52$34,217,727$10,503,852$7,285,919$29,658,014
53$37,659,867$10,970,472$7,481,929$32,467,467
54$41,451,590$11,458,443$7,682,990$35,555,394
55$45,628,507$11,968,761$7,889,226$38,949,879
56$50,229,859$12,502,475$8,100,759$42,681,855
57$55,298,887$13,060,679$8,317,717$46,785,397
58$60,883,242$13,644,520$8,540,229$51,298,040
59$67,035,433$14,255,202$8,768,426$56,261,135
60$73,813,323$14,893,983$9,002,445$61,720,231
61$81,280,677$15,562,183$9,242,422$67,725,508
62$89,507,761$16,261,184$9,488,497$74,332,248
63$98,572,005$16,992,435$9,740,815$81,601,350
64$108,558,738$17,757,452$9,999,520$89,599,909
65$119,561,987$18,557,826$10,264,762$98,401,843
66$131,685,371$19,395,220$10,536,693$108,088,587
67$145,043,074$20,271,381$10,815,467$118,749,863
68$159,760,925$21,188,137$11,101,243$130,484,520
69$175,977,586$22,147,402$11,394,181$143,401,467
70$193,845,860$23,151,185$11,694,446$157,620,697
71$213,534,132$24,201,587$12,002,204$173,274,414
72$235,227,961$25,300,813$12,317,626$190,508,282
73$259,131,832$26,451,171$12,640,885$209,482,794
74$285,471,082$27,655,082$12,972,158$230,374,784
75$314,494,031$28,915,079$13,311,624$253,379,090
76$346,474,325$30,233,822$13,659,467$278,710,394
77$381,713,520$31,614,092$14,015,872$306,605,240
78$420,543,925$33,058,808$14,381,030$337,324,263
79$463,331,743$34,571,028$14,755,132$371,154,649
80$510,480,527$36,153,955$15,138,376$408,412,835
81$562,434,989$37,810,947$15,530,960$449,447,497
82$619,685,198$39,545,523$15,933,087$494,642,831
83$682,771,207$41,361,372$16,344,963$544,422,179
84$752,288,148$43,262,358$16,766,798$599,252,015
85$828,891,858$45,252,532$17,198,804$659,646,349
86$913,305,061$47,336,140$17,641,198$726,171,566
87$1,006,324,197$49,517,630$18,094,198$799,451,770
88$1,108,826,939$51,801,668$18,558,027$880,174,669
89$1,221,780,477$54,193,140$19,032,911$969,098,061
90$1,346,250,651$56,697,169$19,519,079$1,067,056,975
91$1,483,412,013$59,319,126$20,016,764$1,174,971,553
92$1,634,558,914$62,064,638$20,526,201$1,293,855,724
93$1,801,117,722$64,939,605$21,047,628$1,424,826,769
94$1,984,660,294$67,950,210$21,581,288$1,569,115,857
95$2,186,918,809$71,102,935$22,127,425$1,728,079,665
96$2,409,802,121$74,404,572$22,686,288$1,903,213,167
97$2,655,413,785$77,862,244$23,258,127$2,096,163,744
98$2,926,071,912$81,483,416$23,843,195$2,308,746,723
99$3,224,331,055$85,275,911$24,441,750$2,542,962,503
100$3,553,006,325$89,247,932$25,054,050$2,801,015,428