Can I retire at age 30 with 10,000,000?

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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$825,791$818,435$811,258$804,254$797,414$775,934
2 years$408,807$401,194$393,815$386,660$379,721$358,234
3 years$269,831$262,184$254,824$247,737$240,911$220,088
4 years$200,356$192,733$185,447$178,481$171,819$151,822
5 years$158,683$151,105$143,914$137,090$130,614$111,498
6 years$130,909$123,389$116,304$109,632$103,351$85,133
7 years$111,079$103,622$96,649$90,135$84,052$66,733
8 years$96,213$88,823$81,966$75,612$69,729$53,301
9 years$84,656$77,336$70,598$64,404$58,722$43,170
10 years$75,417$68,168$61,549$55,517$50,034$35,337
11 years$67,862$60,686$54,186$48,317$43,031$29,167
12 years$61,571$54,469$48,089$42,380$37,290$24,234
13 years$56,251$49,224$42,964$37,415$32,517$20,241
14 years$51,696$44,743$38,604$33,213$28,505$16,980
15 years$47,752$40,874$34,854$29,620$25,098$14,294
16 years$44,304$37,501$31,600$26,522$22,181$12,068
17 years$41,265$34,537$28,755$23,830$19,668$10,214
18 years$38,566$31,914$26,250$21,475$17,487$8,662
19 years$36,155$29,577$24,030$19,405$15,587$7,358
20 years$33,987$27,484$22,054$17,575$13,923$6,260
21 years$32,028$25,601$20,285$15,950$12,459$5,332
22 years$30,250$23,897$18,696$14,502$11,168$4,546
23 years$28,629$22,351$17,262$13,208$10,025$3,879
24 years$27,145$20,941$15,965$12,046$9,011$3,313
25 years$25,782$19,652$14,787$11,001$8,108$2,831
26 years$24,525$18,470$13,714$10,059$7,304$2,420
27 years$23,364$17,382$12,734$9,207$6,585$2,070
28 years$22,288$16,379$11,838$8,436$5,942$1,771
29 years$21,288$15,452$11,017$7,736$5,365$1,516
30 years$20,356$14,593$10,262$7,099$4,848$1,298
31 years$19,486$13,795$9,567$6,520$4,383$1,112
32 years$18,672$13,053$8,926$5,992$3,965$952
33 years$17,909$12,361$8,334$5,510$3,588$816
34 years$17,192$11,716$7,787$5,070$3,248$699
35 years$16,518$11,112$7,280$4,667$2,942$599
36 years$15,882$10,547$6,810$4,298$2,666$513
37 years$15,283$10,017$6,374$3,960$2,416$440
38 years$14,716$9,520$5,969$3,650$2,190$377
39 years$14,180$9,053$5,593$3,366$1,986$323
40 years$13,672$8,613$5,242$3,105$1,802$277
41 years$13,189$8,199$4,915$2,864$1,635$238
42 years$12,731$7,808$4,611$2,643$1,483$204
43 years$12,296$7,439$4,327$2,440$1,346$175
44 years$11,881$7,091$4,061$2,253$1,222$150
45 years$11,486$6,762$3,813$2,081$1,109$129
46 years$11,110$6,451$3,582$1,922$1,007$110
47 years$10,750$6,156$3,365$1,776$914$94
48 years$10,406$5,877$3,162$1,641$830$81
49 years$10,078$5,612$2,972$1,516$754$69
50 years$9,763$5,361$2,794$1,402$685$60

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $10,000,000, adding $3,089 every year, while hoping to spend $25,759 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: 54/25/21 Blend
29$10,000,000$10,000,000$10,000,000$10,000,000
30$11,023,186$10,493,186$10,338,186$11,555,027
31$12,120,144$10,979,945$10,657,108$12,406,949
32$13,328,128$11,489,692$10,985,851$13,330,890
33$14,658,436$12,023,525$11,324,715$14,336,140
34$16,123,516$12,582,598$11,674,013$15,430,475
35$17,737,088$13,168,118$12,034,066$16,622,446
36$19,514,266$13,781,351$12,405,202$17,921,452
37$21,471,708$14,423,625$12,787,764$19,337,827
38$23,627,770$15,096,330$13,182,101$20,882,935
39$26,002,677$15,800,924$13,588,576$22,569,274
40$28,618,718$16,538,938$14,007,561$24,410,589
41$31,500,454$17,311,973$14,439,441$26,421,998
42$34,674,950$18,121,709$14,884,612$28,620,136
43$38,172,030$18,969,908$15,343,482$31,023,300
44$42,024,560$19,858,416$15,816,471$33,651,623
45$46,268,756$20,789,169$16,304,014$36,527,259
46$50,944,527$21,764,196$16,806,556$39,674,586
47$56,095,851$22,785,625$17,324,559$43,120,433
48$61,771,193$23,855,686$17,858,497$46,894,327
49$68,023,957$24,976,717$18,408,859$51,028,769
50$74,912,995$26,151,169$18,976,149$55,559,532
51$82,503,158$27,381,614$19,560,888$60,525,994
52$90,865,912$28,670,745$20,163,609$65,971,508
53$100,080,011$30,021,388$20,784,866$71,943,798
54$110,232,240$31,436,504$21,425,227$78,495,408
55$121,418,235$32,919,199$22,085,279$85,684,192
56$133,743,383$34,472,728$22,765,624$93,573,848
57$147,323,823$36,100,506$23,466,887$102,234,519
58$162,287,533$37,806,112$24,189,708$111,743,440
59$178,775,548$39,593,297$24,934,750$122,185,666
60$196,943,282$41,465,997$25,702,693$133,654,860
61$216,962,004$43,428,338$26,494,239$146,254,176
62$239,020,445$45,484,644$27,310,114$160,097,216
63$263,326,590$47,639,450$28,151,062$175,309,097
64$290,109,633$49,897,514$29,017,853$192,027,625
65$319,622,143$52,263,820$29,911,279$210,404,576
66$352,142,451$54,743,597$30,832,156$230,607,130
67$387,977,275$57,342,326$31,781,327$252,819,427
68$427,464,613$60,065,757$32,759,658$277,244,300
69$470,976,940$62,919,916$33,768,043$304,105,176
70$518,924,720$65,911,123$34,807,404$333,648,171
71$571,760,279$69,046,005$35,878,689$366,144,400
72$629,982,079$72,331,512$36,982,878$401,892,523
73$694,139,425$75,774,929$38,120,977$441,221,549
74$764,837,644$79,383,898$39,294,028$484,493,926
75$842,743,804$83,166,431$40,503,099$532,108,947
76$928,593,014$87,130,928$41,749,295$584,506,504
77$1,023,195,358$91,286,199$43,033,752$642,171,218
78$1,127,443,545$95,641,484$44,357,644$705,637,001
79$1,242,321,339$100,206,469$45,722,177$775,492,073
80$1,368,912,842$104,991,312$47,128,596$852,384,496
81$1,508,412,732$110,006,666$48,578,184$937,028,272
82$1,662,137,540$115,263,703$50,072,263$1,030,210,059
83$1,831,538,081$120,774,135$51,612,195$1,132,796,575
84$2,018,213,145$126,550,248$53,199,384$1,245,742,756
85$2,223,924,599$132,604,923$54,835,276$1,370,100,744
86$2,450,614,013$138,951,669$56,521,362$1,507,029,797
87$2,700,420,994$145,604,653$58,259,180$1,657,807,201
88$2,975,703,384$152,578,729$60,050,311$1,823,840,300
89$3,279,059,520$159,889,479$61,896,388$2,006,679,753
90$3,613,352,766$167,553,238$63,799,091$2,208,034,140
91$3,981,738,542$175,587,140$65,760,155$2,429,786,058
92$4,387,694,117$184,009,153$67,781,363$2,674,009,860
93$4,835,051,434$192,838,120$69,864,557$2,942,991,201
94$5,328,033,293$202,093,800$72,011,631$3,239,248,577
95$5,871,293,209$211,796,916$74,224,542$3,565,557,062
96$6,469,959,353$221,969,202$76,505,301$3,924,974,465
97$7,129,682,963$232,633,448$78,855,984$4,320,870,151
98$7,856,691,694$243,813,557$81,278,729$4,756,956,808
99$8,657,848,421$255,534,594$83,775,739$5,237,325,447
100$9,540,716,019$267,822,849$86,349,286$5,766,483,971