Can I retire at age 30 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$751,469$744,776$738,245$731,871$725,647$710,415
2 years$372,015$365,086$358,371$351,861$345,546$330,272
3 years$245,546$238,588$231,890$225,441$219,229$204,389
4 years$182,324$175,387$168,757$162,417$156,356$142,065
5 years$144,401$137,506$130,962$124,752$118,859$105,157
6 years$119,127$112,284$105,837$99,765$94,049$80,951
7 years$101,082$94,296$87,951$82,023$76,487$63,995
8 years$87,554$80,829$74,589$68,807$63,453$51,564
9 years$77,037$70,376$64,244$58,608$53,437$42,142
10 years$68,629$62,033$56,009$50,521$45,531$34,819
11 years$61,754$55,224$49,310$43,968$39,158$29,015
12 years$56,029$49,566$43,761$38,566$33,934$24,345
13 years$51,189$44,794$39,098$34,048$29,591$20,540
14 years$47,043$40,716$35,129$30,224$25,939$17,408
15 years$43,454$37,195$31,717$26,954$22,839$14,809
16 years$40,316$34,126$28,756$24,135$20,185$12,637
17 years$37,551$31,428$26,167$21,685$17,897$10,812
18 years$35,095$29,041$23,887$19,542$15,914$9,271
19 years$32,901$26,915$21,867$17,658$14,184$7,965
20 years$30,928$25,011$20,069$15,993$12,670$6,853
21 years$29,146$23,297$18,459$14,515$11,338$5,904
22 years$27,527$21,747$17,013$13,197$10,163$5,093
23 years$26,052$20,339$15,709$12,019$9,123$4,397
24 years$24,702$19,056$14,528$10,962$8,200$3,800
25 years$23,461$17,884$13,456$10,011$7,378$3,286
26 years$22,318$16,808$12,480$9,154$6,646$2,844
27 years$21,261$15,818$11,588$8,379$5,992$2,462
28 years$20,282$14,905$10,773$7,677$5,407$2,133
29 years$19,372$14,061$10,025$7,040$4,882$1,848
30 years$18,524$13,279$9,338$6,461$4,411$1,602
31 years$17,732$12,553$8,706$5,933$3,988$1,389
32 years$16,991$11,878$8,122$5,453$3,608$1,205
33 years$16,297$11,249$7,584$5,015$3,265$1,045
34 years$15,645$10,661$7,086$4,614$2,956$907
35 years$15,031$10,112$6,625$4,247$2,677$787
36 years$14,453$9,598$6,197$3,912$2,426$683
37 years$13,907$9,116$5,801$3,604$2,199$593
38 years$13,392$8,663$5,432$3,322$1,993$515
39 years$12,904$8,238$5,089$3,063$1,808$447
40 years$12,441$7,838$4,770$2,825$1,640$388
41 years$12,002$7,461$4,473$2,607$1,487$337
42 years$11,586$7,105$4,196$2,406$1,350$293
43 years$11,189$6,770$3,937$2,221$1,225$254
44 years$10,812$6,453$3,696$2,050$1,112$221
45 years$10,453$6,154$3,470$1,894$1,009$192
46 years$10,110$5,870$3,259$1,749$916$167
47 years$9,783$5,602$3,062$1,616$832$145
48 years$9,470$5,348$2,877$1,493$756$126
49 years$9,171$5,107$2,705$1,380$686$109
50 years$8,885$4,878$2,543$1,276$623$95

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $9,100,000, adding $2,360 every year, while hoping to spend $51,448 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: 25/48/27 Blend
29$9,100,000$9,100,000$9,100,000$9,100,000
30$10,030,634$9,548,334$9,407,284$10,196,131
31$10,999,019$9,961,462$9,667,688$10,746,924
32$12,064,454$10,393,110$9,935,091$11,332,512
33$13,236,785$10,844,129$10,209,673$11,959,310
34$14,526,859$11,315,413$10,491,620$12,630,809
35$15,946,629$11,807,898$10,781,118$13,350,825
36$17,509,262$12,322,563$11,078,364$14,123,532
37$19,229,271$12,860,432$11,383,553$14,953,501
38$21,122,644$13,422,580$11,696,889$15,845,734
39$23,206,998$14,010,131$12,018,579$16,805,707
40$25,501,747$14,624,263$12,348,836$17,839,423
41$28,028,280$15,266,207$12,687,878$18,953,455
42$30,810,169$15,937,255$13,035,925$20,155,009
43$33,873,385$16,638,759$13,393,208$21,451,985
44$37,246,547$17,372,135$13,759,957$22,853,045
45$40,961,191$18,138,866$14,136,412$24,367,691
46$45,052,066$18,940,504$14,522,816$26,006,347
47$49,557,466$19,778,678$14,919,419$27,780,452
48$54,519,584$20,655,089$15,326,476$29,702,557
49$59,984,916$21,571,524$15,744,247$31,786,446
50$66,004,699$22,529,850$16,173,001$34,047,250
51$72,635,392$23,532,026$16,613,010$36,501,584
52$79,939,208$24,580,102$17,064,553$39,167,699
53$87,984,707$25,676,227$17,527,915$42,065,646
54$96,847,436$26,822,650$18,003,388$45,217,451
55$106,610,643$28,021,729$18,491,271$48,647,321
56$117,366,068$29,275,933$18,991,868$52,381,857
57$129,214,802$30,587,849$19,505,491$56,450,301
58$142,268,246$31,960,187$20,032,458$60,884,796
59$156,649,156$33,395,786$20,573,095$65,720,682
60$172,492,811$34,897,620$21,127,734$70,996,820
61$189,948,279$36,468,805$21,696,715$76,755,943
62$209,179,833$38,112,606$22,280,384$83,045,046
63$230,368,496$39,832,443$22,879,097$89,915,825
64$253,713,750$41,631,901$23,493,215$97,425,142
65$279,435,422$43,514,733$24,123,107$105,635,553
66$307,775,755$45,484,875$24,769,150$114,615,883
67$339,001,696$47,546,448$25,431,731$124,441,860
68$373,407,417$49,703,772$26,111,242$135,196,812
69$411,317,089$51,961,372$26,808,084$146,972,439
70$453,087,945$54,323,992$27,522,667$159,869,662
71$499,113,647$56,796,600$28,255,409$173,999,554
72$549,828,010$59,384,404$29,006,736$189,484,372
73$605,709,088$62,092,860$29,777,082$206,458,690
74$667,283,692$64,927,688$30,566,892$225,070,646
75$735,132,363$67,894,878$31,376,617$245,483,324
76$809,894,848$71,000,712$32,206,718$267,876,266
77$892,276,145$74,251,770$33,057,666$292,447,143
78$983,053,154$77,654,948$33,929,939$319,413,597
79$1,083,082,009$81,217,474$34,824,026$349,015,271
80$1,193,306,167$84,946,923$35,740,424$381,516,039
81$1,314,765,308$88,851,234$36,679,640$417,206,472
82$1,448,605,151$92,938,726$37,642,189$456,406,549
83$1,596,088,272$97,218,120$38,628,599$499,468,649
84$1,758,606,022$101,698,554$39,639,402$546,780,839
85$1,937,691,660$106,389,606$40,675,146$598,770,508
86$2,135,034,829$111,301,317$41,736,383$655,908,363
87$2,352,497,507$116,444,207$42,823,678$718,712,835
88$2,592,131,587$121,829,307$43,937,605$787,754,934
89$2,856,198,242$127,468,176$45,078,748$863,663,597
90$3,147,189,276$133,372,930$46,247,699$947,131,584
91$3,467,850,648$139,556,270$47,445,063$1,038,921,970
92$3,821,208,395$146,031,508$48,671,453$1,139,875,302
93$4,210,597,196$152,812,597$49,927,492$1,250,917,486
94$4,639,691,860$159,914,164$51,213,813$1,373,068,474
95$5,112,542,013$167,351,541$52,531,059$1,507,451,836
96$5,633,610,331$175,140,800$53,879,882$1,655,305,316
97$6,207,814,672$183,298,786$55,260,946$1,817,992,452
98$6,840,574,503$191,843,161$56,674,922$1,997,015,387
99$7,537,862,063$200,792,436$58,122,492$2,194,028,986
100$8,306,258,746$210,166,018$59,604,348$2,410,856,388