Can I retire at age 30 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$429,411$425,586$421,854$418,212$414,655$404,139
2 years$212,580$208,621$204,784$201,063$197,455$186,928
3 years$140,312$136,336$132,509$128,823$125,274$115,066
4 years$104,185$100,221$96,432$92,810$89,346$79,536
5 years$82,515$78,575$74,835$71,287$67,919$58,534
6 years$68,073$64,162$60,478$57,009$53,742$44,790
7 years$57,761$53,883$50,258$46,870$43,707$35,190
8 years$50,031$46,188$42,622$39,318$36,259$28,173
9 years$44,021$40,215$36,711$33,490$30,535$22,873
10 years$39,217$35,447$32,005$28,869$26,018$18,770
11 years$35,288$31,557$28,177$25,125$22,376$15,532
12 years$32,017$28,324$25,006$22,038$19,391$12,939
13 years$29,251$25,596$22,341$19,456$16,909$10,836
14 years$26,882$23,266$20,074$17,271$14,822$9,115
15 years$24,831$21,254$18,124$15,403$13,051$7,695
16 years$23,038$19,500$16,432$13,791$11,534$6,516
17 years$21,458$17,959$14,953$12,391$10,227$5,530
18 years$20,054$16,595$13,650$11,167$9,093$4,704
19 years$18,800$15,380$12,496$10,090$8,105$4,008
20 years$17,673$14,292$11,468$9,139$7,240$3,420
21 years$16,655$13,312$10,548$8,294$6,479$2,922
22 years$15,730$12,427$9,722$7,541$5,807$2,499
23 years$14,887$11,622$8,976$6,868$5,213$2,139
24 years$14,115$10,889$8,302$6,264$4,686$1,833
25 years$13,406$10,219$7,689$5,721$4,216$1,571
26 years$12,753$9,604$7,131$5,231$3,798$1,348
27 years$12,149$9,039$6,622$4,788$3,424$1,156
28 years$11,590$8,517$6,156$4,387$3,090$993
29 years$11,070$8,035$5,729$4,023$2,790$852
30 years$10,585$7,588$5,336$3,692$2,521$732
31 years$10,133$7,173$4,975$3,391$2,279$629
32 years$9,709$6,787$4,641$3,116$2,062$541
33 years$9,312$6,428$4,334$2,865$1,866$465
34 years$8,940$6,092$4,049$2,636$1,689$400
35 years$8,589$5,778$3,786$2,427$1,530$344
36 years$8,259$5,484$3,541$2,235$1,386$296
37 years$7,947$5,209$3,315$2,059$1,256$254
38 years$7,652$4,950$3,104$1,898$1,139$219
39 years$7,373$4,707$2,908$1,750$1,033$188
40 years$7,109$4,479$2,726$1,614$937$162
41 years$6,859$4,263$2,556$1,489$850$139
42 years$6,620$4,060$2,398$1,375$771$120
43 years$6,394$3,869$2,250$1,269$700$103
44 years$6,178$3,688$2,112$1,172$635$89
45 years$5,973$3,516$1,983$1,082$577$76
46 years$5,777$3,354$1,862$999$524$66
47 years$5,590$3,201$1,750$923$476$56
48 years$5,411$3,056$1,644$853$432$49
49 years$5,241$2,918$1,545$789$392$42
50 years$5,077$2,788$1,453$729$356$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $5,200,000, adding $2,075 every year, while hoping to spend $51,581 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: 47/37/16 Blend
29$5,200,000$5,200,000$5,200,000$5,200,000
30$5,732,540$5,456,940$5,376,340$5,975,993
31$6,262,378$5,669,449$5,501,566$6,357,678
32$6,844,530$5,890,641$5,629,258$6,766,288
33$7,484,278$6,120,889$5,759,444$7,208,660
34$8,187,441$6,360,579$5,892,152$7,687,964
35$8,960,429$6,610,117$6,027,409$8,207,680
36$9,810,306$6,869,925$6,165,240$8,771,635
37$10,744,850$7,140,445$6,305,669$9,384,036
38$11,772,636$7,422,138$6,448,720$10,049,505
39$12,903,109$7,715,486$6,594,415$10,773,124
40$14,146,673$8,020,992$6,742,776$11,560,484
41$15,514,796$8,339,183$6,893,821$12,417,729
42$17,020,110$8,670,608$7,047,569$13,351,619
43$18,676,535$9,015,841$7,204,036$14,369,590
44$20,499,406$9,375,482$7,363,236$15,479,820
45$22,505,624$9,750,159$7,525,182$16,691,308
46$24,713,806$10,140,526$7,689,885$18,013,953
47$27,144,471$10,547,268$7,857,352$19,458,649
48$29,820,223$10,971,100$8,027,590$21,037,384
49$32,765,974$11,412,772$8,200,602$22,763,350
50$36,009,170$11,873,064$8,376,388$24,651,068
51$39,580,055$12,352,794$8,554,948$26,716,519
52$43,511,956$12,852,817$8,736,274$28,977,296
53$47,841,595$13,374,024$8,920,359$31,452,762
54$52,609,437$13,917,351$9,107,190$34,164,238
55$57,860,071$14,483,772$9,296,752$37,135,195
56$63,642,630$15,074,310$9,489,025$40,391,473
57$70,011,257$15,690,029$9,683,986$43,961,526
58$77,025,612$16,332,047$9,881,606$47,876,682
59$84,751,437$17,001,529$10,081,852$52,171,440
60$93,261,176$17,699,697$10,284,687$56,883,789
61$102,634,658$18,427,825$10,490,067$62,055,564
62$112,959,853$19,187,248$10,697,943$67,732,838
63$124,333,696$19,979,361$10,908,263$73,966,350
64$136,863,007$20,805,624$11,120,963$80,811,984
65$150,665,497$21,667,563$11,335,979$88,331,289
66$165,870,879$22,566,774$11,553,235$96,592,055
67$182,622,090$23,504,928$11,772,650$105,668,951
68$201,076,645$24,483,771$11,994,136$115,644,224
69$221,408,119$25,505,132$12,217,595$126,608,469
70$243,807,785$26,570,921$12,442,923$138,661,478
71$268,486,422$27,683,140$12,670,004$151,913,181
72$295,676,303$28,843,879$12,898,715$166,484,672
73$325,633,386$30,055,330$13,128,922$182,509,351
74$358,639,732$31,319,781$13,360,481$200,134,175
75$395,006,165$32,639,630$13,593,237$219,521,035
76$435,075,207$34,017,386$13,827,024$240,848,285
77$479,224,311$35,455,671$14,061,663$264,312,412
78$527,869,424$36,957,232$14,296,962$290,129,887
79$581,468,913$38,524,943$14,532,717$318,539,196
80$640,527,888$40,161,812$14,768,709$349,803,091
81$705,602,977$41,870,985$15,004,705$384,211,052
82$777,307,574$43,655,757$15,240,457$422,082,021
83$856,317,633$45,519,575$15,475,698$463,767,394
84$943,378,045$47,466,048$15,710,147$509,654,337
85$1,039,309,673$49,498,952$15,943,505$560,169,423
86$1,145,017,101$51,622,241$16,175,453$615,782,654
87$1,261,497,168$53,840,054$16,405,654$677,011,885
88$1,389,848,384$56,156,721$16,633,748$744,427,701
89$1,531,281,296$58,576,778$16,859,356$818,658,791
90$1,687,129,920$61,104,972$17,082,076$900,397,870
91$1,858,864,329$63,746,272$17,301,482$990,408,208
92$2,048,104,532$66,505,881$17,517,124$1,089,530,818
93$2,256,635,771$69,389,247$17,728,525$1,198,692,385
94$2,486,425,371$72,402,071$17,935,182$1,318,913,996
95$2,739,641,312$75,550,326$18,136,563$1,451,320,764
96$3,018,672,697$78,840,262$18,332,109$1,597,152,436
97$3,326,152,303$82,278,427$18,521,226$1,757,775,078
98$3,664,981,442$85,871,674$18,703,291$1,934,693,952
99$4,038,357,344$89,627,180$18,877,645$2,129,567,708
100$4,449,803,343$93,552,461$19,043,596$2,344,224,028