Can I retire at age 30 with 4,000,000?

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 $4,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$330,316$327,374$324,503$321,702$318,966$314,719
2 years$163,523$160,477$157,526$154,664$151,888$147,617
3 years$107,932$104,874$101,930$99,095$96,364$92,200
4 years$80,143$77,093$74,179$71,392$68,728$64,704
5 years$63,473$60,442$57,566$54,836$52,246$48,373
6 years$52,364$49,356$46,522$43,853$41,340$37,624
7 years$44,431$41,449$38,660$36,054$33,621$30,062
8 years$38,485$35,529$32,787$30,245$27,892$24,490
9 years$33,863$30,935$28,239$25,762$23,489$20,243
10 years$30,167$27,267$24,619$22,207$20,014$16,921
11 years$27,145$24,274$21,675$19,327$17,212$14,270
12 years$24,628$21,787$19,236$16,952$14,916$12,121
13 years$22,501$19,689$17,186$14,966$13,007$10,355
14 years$20,678$17,897$15,441$13,285$11,402$8,889
15 years$19,101$16,349$13,942$11,848$10,039$7,661
16 years$17,722$15,000$12,640$10,609$8,873$6,626
17 years$16,506$13,815$11,502$9,532$7,867$5,746
18 years$15,426$12,765$10,500$8,590$6,995$4,995
19 years$14,462$11,831$9,612$7,762$6,235$4,352
20 years$13,595$10,994$8,821$7,030$5,569$3,798
21 years$12,811$10,240$8,114$6,380$4,984$3,320
22 years$12,100$9,559$7,478$5,801$4,467$2,906
23 years$11,451$8,940$6,905$5,283$4,010$2,546
24 years$10,858$8,376$6,386$4,818$3,604$2,233
25 years$10,313$7,861$5,915$4,400$3,243$1,960
26 years$9,810$7,388$5,486$4,024$2,921$1,722
27 years$9,346$6,953$5,094$3,683$2,634$1,514
28 years$8,915$6,552$4,735$3,374$2,377$1,332
29 years$8,515$6,181$4,407$3,094$2,146$1,172
30 years$8,142$5,837$4,105$2,840$1,939$1,032
31 years$7,794$5,518$3,827$2,608$1,753$909
32 years$7,469$5,221$3,570$2,397$1,586$801
33 years$7,163$4,945$3,334$2,204$1,435$706
34 years$6,877$4,686$3,115$2,028$1,299$623
35 years$6,607$4,445$2,912$1,867$1,177$549
36 years$6,353$4,219$2,724$1,719$1,066$484
37 years$6,113$4,007$2,550$1,584$966$427
38 years$5,886$3,808$2,388$1,460$876$377
39 years$5,672$3,621$2,237$1,346$795$333
40 years$5,469$3,445$2,097$1,242$721$294
41 years$5,276$3,279$1,966$1,146$654$259
42 years$5,093$3,123$1,844$1,057$593$229
43 years$4,918$2,976$1,731$976$538$202
44 years$4,753$2,837$1,624$901$489$178
45 years$4,595$2,705$1,525$832$444$157
46 years$4,444$2,580$1,433$769$403$139
47 years$4,300$2,462$1,346$710$366$123
48 years$4,163$2,351$1,265$656$332$108
49 years$4,031$2,245$1,189$607$302$96
50 years$3,905$2,144$1,118$561$274$85

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $4,000,000, adding $6,264 every year, while hoping to spend $37,671 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: 73/12/15 Blend
29$4,000,000$4,000,000$4,000,000$4,000,000
30$4,414,461$4,202,461$4,140,461$4,721,587
31$4,824,655$4,368,300$4,239,085$5,091,709
32$5,275,425$4,541,003$4,339,750$5,491,789
33$5,770,872$4,720,865$4,442,485$5,929,035
34$6,315,511$4,908,198$4,547,319$6,407,123
35$6,914,318$5,103,324$4,654,278$6,930,101
36$7,572,773$5,306,582$4,763,392$7,502,426
37$8,296,917$5,518,325$4,874,686$8,129,004
38$9,093,402$5,738,923$4,988,188$8,815,239
39$9,969,560$5,968,761$5,103,923$9,567,081
40$10,933,468$6,208,244$5,221,918$10,391,083
41$11,994,026$6,457,792$5,342,196$11,294,461
42$13,161,039$6,717,846$5,464,782$12,285,162
43$14,445,312$6,988,866$5,589,698$13,371,941
44$15,858,748$7,271,336$5,716,968$14,564,438
45$17,414,465$7,565,756$5,846,611$15,873,271
46$19,126,917$7,872,654$5,978,649$17,310,138
47$21,012,028$8,192,580$6,113,099$18,887,921
48$23,087,346$8,526,108$6,249,980$20,620,813
49$25,372,208$8,873,840$6,389,307$22,524,448
50$27,887,920$9,236,404$6,531,095$24,616,045
51$30,657,958$9,614,458$6,675,356$26,914,578
52$33,708,192$10,008,689$6,822,103$29,440,945
53$37,067,128$10,419,815$6,971,345$32,218,170
54$40,766,178$10,848,589$7,123,088$35,271,619
55$44,839,955$11,295,796$7,277,337$38,629,237
56$49,326,599$11,762,259$7,434,097$42,321,809
57$54,268,139$12,248,837$7,593,366$46,383,255
58$59,710,888$12,756,429$7,755,143$50,850,946
59$65,705,881$13,285,976$7,919,422$55,766,054
60$72,309,354$13,838,462$8,086,196$61,173,942
61$79,583,278$14,414,917$8,255,454$67,124,591
62$87,595,941$15,016,416$8,427,180$73,673,070
63$96,422,593$15,644,087$8,601,357$80,880,053
64$106,146,158$16,299,107$8,777,962$88,812,395
65$116,858,012$16,982,710$8,956,971$97,543,756
66$128,658,852$17,696,185$9,138,352$107,155,300
67$141,659,639$18,440,883$9,322,070$117,736,456
68$155,982,650$19,218,214$9,508,088$129,385,762
69$171,762,631$20,029,657$9,696,359$142,211,796
70$189,148,067$20,876,757$9,886,835$156,334,196
71$208,302,585$21,761,134$10,079,459$171,884,788
72$229,406,499$22,684,479$10,274,171$189,008,831
73$252,658,509$23,648,566$10,470,903$207,866,384
74$278,277,579$24,655,248$10,669,580$228,633,819
75$306,505,003$25,706,466$10,870,122$251,505,479
76$337,606,683$26,804,252$11,072,441$276,695,511
77$371,875,636$27,950,732$11,276,439$304,439,892
78$409,634,764$29,148,132$11,482,013$334,998,647
79$451,239,900$30,398,780$11,689,050$368,658,305
80$497,083,164$31,705,114$11,897,428$405,734,600
81$547,596,671$33,069,689$12,107,016$446,575,452
82$603,256,602$34,495,175$12,317,672$491,564,246
83$664,587,706$35,984,369$12,529,244$541,123,449
84$732,168,249$37,540,200$12,741,571$595,718,597
85$806,635,475$39,165,734$12,954,478$655,862,687
86$888,691,618$40,864,179$13,167,777$722,121,015
87$979,110,537$42,638,898$13,381,272$795,116,510
88$1,078,745,015$44,493,407$13,594,748$875,535,614
89$1,188,534,814$46,431,391$13,807,979$964,134,756
90$1,309,515,543$48,456,708$14,020,724$1,061,747,493
91$1,442,828,437$50,573,395$14,232,727$1,169,292,370
92$1,589,731,129$52,785,683$14,443,715$1,287,781,594
93$1,751,609,523$55,098,000$14,653,398$1,418,330,582
94$1,929,990,876$57,514,984$14,861,469$1,562,168,488
95$2,126,558,218$60,041,491$15,067,601$1,720,649,806
96$2,343,166,240$62,682,608$15,271,450$1,895,267,145
97$2,581,858,802$65,443,661$15,472,648$2,087,665,324
98$2,844,888,227$68,330,228$15,670,809$2,299,656,891
99$3,134,736,568$71,348,151$15,865,523$2,533,239,230
100$3,454,139,037$74,503,549$16,056,357$2,790,613,414