Can I retire at age 30 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$338,574$335,558$332,616$329,744$326,940$324,743
2 years$167,611$164,489$161,464$158,531$155,686$153,470
3 years$110,631$107,496$104,478$101,572$98,773$96,608
4 years$82,146$79,021$76,033$73,177$70,446$68,347
5 years$65,060$61,953$59,005$56,207$53,552$51,526
6 years$53,673$50,589$47,685$44,949$42,374$40,423
7 years$45,542$42,485$39,626$36,955$34,461$32,587
8 years$39,447$36,417$33,606$31,001$28,589$26,791
9 years$34,709$31,708$28,945$26,406$24,076$22,353
10 years$30,921$27,949$25,235$22,762$20,514$18,866
11 years$27,823$24,881$22,216$19,810$17,643$16,069
12 years$25,244$22,332$19,716$17,376$15,289$13,787
13 years$23,063$20,182$17,615$15,340$13,332$11,901
14 years$21,195$18,345$15,827$13,617$11,687$10,325
15 years$19,578$16,758$14,290$12,144$10,290$8,996
16 years$18,165$15,375$12,956$10,874$9,094$7,865
17 years$16,918$14,160$11,790$9,770$8,064$6,898
18 years$15,812$13,085$10,762$8,805$7,170$6,066
19 years$14,823$12,127$9,852$7,956$6,391$5,346
20 years$13,935$11,269$9,042$7,206$5,708$4,720
21 years$13,132$10,496$8,317$6,540$5,108$4,175
22 years$12,402$9,798$7,665$5,946$4,579$3,699
23 years$11,738$9,164$7,078$5,415$4,110$3,281
24 years$11,129$8,586$6,546$4,939$3,694$2,913
25 years$10,570$8,057$6,062$4,510$3,324$2,590
26 years$10,055$7,573$5,623$4,124$2,994$2,304
27 years$9,579$7,127$5,221$3,775$2,700$2,052
28 years$9,138$6,716$4,854$3,459$2,436$1,828
29 years$8,728$6,335$4,517$3,172$2,200$1,630
30 years$8,346$5,983$4,207$2,911$1,988$1,454
31 years$7,989$5,656$3,922$2,673$1,797$1,298
32 years$7,655$5,352$3,660$2,457$1,625$1,159
33 years$7,342$5,068$3,417$2,259$1,471$1,035
34 years$7,049$4,803$3,193$2,079$1,332$925
35 years$6,772$4,556$2,985$1,914$1,206$826
36 years$6,512$4,324$2,792$1,762$1,093$739
37 years$6,266$4,107$2,614$1,624$991$661
38 years$6,034$3,903$2,447$1,497$898$591
39 years$5,814$3,712$2,293$1,380$814$529
40 years$5,605$3,531$2,149$1,273$739$473
41 years$5,408$3,361$2,015$1,174$670$423
42 years$5,220$3,201$1,890$1,084$608$379
43 years$5,041$3,050$1,774$1,000$552$339
44 years$4,871$2,907$1,665$924$501$304
45 years$4,709$2,773$1,563$853$455$272
46 years$4,555$2,645$1,468$788$413$243
47 years$4,408$2,524$1,380$728$375$218
48 years$4,267$2,410$1,296$673$341$195
49 years$4,132$2,301$1,219$622$309$175
50 years$4,003$2,198$1,146$575$281$157

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $4,100,000, adding $2,743 every year, while hoping to spend $41,549 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: 60/12/28 Blend
29$4,100,000$4,100,000$4,100,000$4,100,000
30$4,521,029$4,303,729$4,240,179$4,757,865
31$4,937,967$4,470,404$4,338,018$5,086,434
32$5,396,039$4,643,854$4,437,741$5,440,109
33$5,899,398$4,824,366$4,539,368$5,825,172
34$6,452,618$5,012,241$4,642,919$6,244,690
35$7,060,738$5,207,794$4,748,410$6,702,039
36$7,729,311$5,411,353$4,855,858$7,200,937
37$8,464,451$5,623,260$4,965,280$7,745,475
38$9,272,898$5,843,873$5,076,690$8,340,159
39$10,162,077$6,073,566$5,190,103$8,989,950
40$11,140,167$6,312,729$5,305,529$9,700,307
41$12,216,182$6,561,770$5,422,982$10,477,247
42$13,400,051$6,821,116$5,542,471$11,327,390
43$14,702,716$7,091,210$5,664,003$12,258,031
44$16,136,232$7,372,519$5,787,587$13,277,200
45$17,713,883$7,665,528$5,913,226$14,393,744
46$19,450,305$7,970,744$6,040,925$15,617,404
47$21,361,624$8,288,699$6,170,684$16,958,912
48$23,465,611$8,619,946$6,302,503$18,430,086
49$25,781,845$8,965,065$6,436,379$20,043,945
50$28,331,901$9,324,662$6,572,306$21,814,829
51$31,139,553$9,699,368$6,710,276$23,758,534
52$34,230,996$10,089,845$6,850,278$25,892,461
53$37,635,095$10,496,785$6,992,300$28,235,779
54$41,383,657$10,920,910$7,136,324$30,809,606
55$45,511,731$11,362,975$7,282,332$33,637,204
56$50,057,936$11,823,770$7,430,299$36,744,203
57$55,064,831$12,304,120$7,580,200$40,158,838
58$60,579,311$12,804,888$7,732,003$43,912,216
59$66,653,049$13,326,977$7,885,674$48,038,608
60$73,342,991$13,871,330$8,041,175$52,575,773
61$80,711,884$14,438,933$8,198,462$57,565,312
62$88,828,873$15,030,817$8,357,487$63,053,060
63$97,770,153$15,648,062$8,518,198$69,089,518
64$107,619,686$16,291,794$8,680,535$75,730,327
65$118,469,996$16,963,195$8,844,435$83,036,794
66$130,423,041$17,663,497$9,009,829$91,076,468
67$143,591,174$18,393,990$9,176,641$99,923,779
68$158,098,202$19,156,025$9,344,787$109,660,735
69$174,080,561$19,951,012$9,514,179$120,377,698
70$191,688,595$20,780,428$9,684,721$132,174,234
71$211,087,980$21,645,818$9,856,308$145,160,054
72$232,461,289$22,548,797$10,028,829$159,456,044
73$256,009,708$23,491,056$10,202,162$175,195,409
74$281,954,943$24,474,363$10,376,179$192,524,926
75$310,541,307$25,500,567$10,550,742$211,606,328
76$342,038,031$26,571,604$10,725,702$232,617,830
77$376,741,797$27,689,500$10,900,900$255,755,810
78$414,979,548$28,856,374$11,076,168$281,236,660
79$457,111,567$30,074,442$11,251,325$309,298,826
80$503,534,882$31,346,024$11,426,179$340,205,059
81$554,687,010$32,673,549$11,600,526$374,244,894
82$611,050,089$34,059,557$11,774,148$411,737,377
83$673,155,430$35,506,707$11,946,814$453,034,080
84$741,588,530$37,017,782$12,118,278$498,522,412
85$816,994,601$38,595,694$12,288,281$548,629,280
86$900,084,658$40,243,491$12,456,546$603,825,111
87$991,642,234$41,964,363$12,622,781$664,628,295
88$1,092,530,774$43,761,649$12,786,677$731,610,073
89$1,203,701,788$45,638,845$12,947,905$805,399,929
90$1,326,203,831$47,599,609$13,106,121$886,691,529
91$1,461,192,403$49,647,770$13,260,957$976,249,265
92$1,609,940,856$51,787,339$13,412,027$1,074,915,473
93$1,773,852,416$54,022,512$13,558,923$1,183,618,375
94$1,954,473,430$56,357,683$13,701,215$1,303,380,845
95$2,153,507,962$58,797,451$13,838,447$1,435,330,059
96$2,372,833,880$61,346,632$13,970,141$1,580,708,132
97$2,614,520,588$64,010,269$14,095,793$1,740,883,841
98$2,880,848,555$66,793,639$14,214,869$1,917,365,547
99$3,174,330,852$69,702,272$14,326,811$2,111,815,425
100$3,497,736,868$72,741,953$14,431,029$2,326,065,154