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%18.3%
1 years$825,791$818,435$811,258$804,254$797,414$770,655
2 years$408,807$401,194$393,815$386,660$379,721$353,026
3 years$269,831$262,184$254,824$247,737$240,911$215,117
4 years$200,356$192,733$185,447$178,481$171,819$147,125
5 years$158,683$151,105$143,914$137,090$130,614$107,085
6 years$130,909$123,389$116,304$109,632$103,351$81,005
7 years$111,079$103,622$96,649$90,135$84,052$62,887
8 years$96,213$88,823$81,966$75,612$69,729$49,729
9 years$84,656$77,336$70,598$64,404$58,722$39,862
10 years$75,417$68,168$61,549$55,517$50,034$32,284
11 years$67,862$60,686$54,186$48,317$43,031$26,357
12 years$61,571$54,469$48,089$42,380$37,290$21,653
13 years$56,251$49,224$42,964$37,415$32,517$17,879
14 years$51,696$44,743$38,604$33,213$28,505$14,823
15 years$47,752$40,874$34,854$29,620$25,098$12,329
16 years$44,304$37,501$31,600$26,522$22,181$10,283
17 years$41,265$34,537$28,755$23,830$19,668$8,595
18 years$38,566$31,914$26,250$21,475$17,487$7,198
19 years$36,155$29,577$24,030$19,405$15,587$6,037
20 years$33,987$27,484$22,054$17,575$13,923$5,069
21 years$32,028$25,601$20,285$15,950$12,459$4,261
22 years$30,250$23,897$18,696$14,502$11,168$3,586
23 years$28,629$22,351$17,262$13,208$10,025$3,019
24 years$27,145$20,941$15,965$12,046$9,011$2,544
25 years$25,782$19,652$14,787$11,001$8,108$2,144
26 years$24,525$18,470$13,714$10,059$7,304$1,808
27 years$23,364$17,382$12,734$9,207$6,585$1,525
28 years$22,288$16,379$11,838$8,436$5,942$1,287
29 years$21,288$15,452$11,017$7,736$5,365$1,087
30 years$20,356$14,593$10,262$7,099$4,848$917
31 years$19,486$13,795$9,567$6,520$4,383$775
32 years$18,672$13,053$8,926$5,992$3,965$654
33 years$17,909$12,361$8,334$5,510$3,588$553
34 years$17,192$11,716$7,787$5,070$3,248$467
35 years$16,518$11,112$7,280$4,667$2,942$395
36 years$15,882$10,547$6,810$4,298$2,666$333
37 years$15,283$10,017$6,374$3,960$2,416$282
38 years$14,716$9,520$5,969$3,650$2,190$238
39 years$14,180$9,053$5,593$3,366$1,986$201
40 years$13,672$8,613$5,242$3,105$1,802$170
41 years$13,189$8,199$4,915$2,864$1,635$144
42 years$12,731$7,808$4,611$2,643$1,483$121
43 years$12,296$7,439$4,327$2,440$1,346$103
44 years$11,881$7,091$4,061$2,253$1,222$87
45 years$11,486$6,762$3,813$2,081$1,109$73
46 years$11,110$6,451$3,582$1,922$1,007$62
47 years$10,750$6,156$3,365$1,776$914$52
48 years$10,406$5,877$3,162$1,641$830$44
49 years$10,078$5,612$2,972$1,516$754$37
50 years$9,763$5,361$2,794$1,402$685$32

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 $6,724 every year, while hoping to spend $51,556 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: 58/23/19 Blend
29$10,000,000$10,000,000$10,000,000$10,000,000
30$11,026,936$10,496,936$10,341,936$11,610,834
31$12,096,828$10,956,430$10,633,535$12,467,533
32$13,274,121$11,436,712$10,933,176$13,394,861
33$14,569,716$11,938,746$11,241,072$14,404,676
34$15,995,623$12,463,540$11,557,444$15,504,942
35$17,565,077$13,012,153$11,882,518$16,704,416
36$19,292,658$13,585,692$12,216,525$18,012,732
37$21,194,434$14,185,317$12,559,704$19,440,487
38$23,288,111$14,812,242$12,912,299$20,999,336
39$25,593,196$15,467,739$13,274,558$22,702,106
40$28,131,185$16,153,141$13,646,739$24,562,907
41$30,925,764$16,869,843$14,029,103$26,597,268
42$34,003,034$17,619,308$14,421,920$28,822,275
43$37,391,755$18,403,066$14,825,467$31,256,737
44$41,123,619$19,222,721$15,240,024$33,921,350
45$45,233,547$20,079,953$15,665,884$36,838,899
46$49,760,021$20,976,522$16,103,343$40,034,461
47$54,745,442$21,914,272$16,552,704$43,535,644
48$60,236,539$22,895,133$17,014,282$47,372,842
49$66,284,801$23,921,128$17,488,394$51,579,514
50$72,946,965$24,994,378$17,975,370$56,192,503
51$80,285,554$26,117,102$18,475,544$61,252,372
52$88,369,467$27,291,627$18,989,262$66,803,786
53$97,274,625$28,520,389$19,516,874$72,895,929
54$107,084,691$29,805,941$20,058,743$79,582,962
55$117,891,857$31,150,960$20,615,238$86,924,530
56$129,797,716$32,558,247$21,186,739$94,986,317
57$142,914,221$34,030,739$21,773,632$103,840,664
58$157,364,739$35,571,513$22,376,317$113,567,243
59$173,285,218$37,183,793$22,995,199$124,253,805
60$190,825,469$38,870,956$23,630,696$135,996,999
61$210,150,577$40,636,544$24,283,235$148,903,280
62$231,442,465$42,484,263$24,953,252$163,089,907
63$254,901,606$44,418,002$25,641,196$178,686,040
64$280,748,918$46,441,832$26,347,524$195,833,954
65$309,227,847$48,560,022$27,072,706$214,690,371
66$340,606,667$50,777,042$27,817,221$235,427,936
67$375,181,010$53,097,580$28,581,561$258,236,832
68$413,276,659$55,526,548$29,366,229$283,326,570
69$455,252,620$58,069,091$30,171,740$310,927,957
70$501,504,515$60,730,603$30,998,621$341,295,263
71$552,468,310$63,516,738$31,847,409$374,708,610
72$608,624,438$66,433,419$32,718,658$411,476,610
73$670,502,329$69,486,854$33,612,931$451,939,263
74$738,685,408$72,683,551$34,530,806$496,471,153
75$813,816,604$76,030,330$35,472,872$545,484,978
76$896,604,418$79,534,337$36,439,734$599,435,426
77$987,829,613$83,203,063$37,432,009$658,823,459
78$1,088,352,581$87,044,361$38,450,329$724,201,025
79$1,199,121,469$91,066,459$39,495,340$796,176,252
80$1,321,181,127$95,277,984$40,567,702$875,419,180
81$1,455,682,972$99,687,975$41,668,089$962,668,062
82$1,603,895,858$104,305,908$42,797,193$1,058,736,321
83$1,767,218,054$109,141,717$43,955,719$1,164,520,211
84$1,947,190,447$114,205,813$45,144,387$1,281,007,258
85$2,145,511,083$119,509,108$46,363,934$1,409,285,565
86$2,364,051,200$125,063,041$47,615,112$1,550,554,060
87$2,604,872,897$130,879,604$48,898,692$1,706,133,798
88$2,870,248,593$136,971,365$50,215,459$1,877,480,408
89$3,162,682,488$143,351,500$51,566,216$2,066,197,810
90$3,484,934,199$150,033,821$52,951,781$2,274,053,335
91$3,840,044,815$157,032,806$54,372,993$2,502,994,385
92$4,231,365,604$164,363,632$55,830,707$2,755,166,786
93$4,662,589,655$172,042,209$57,325,795$3,032,935,024
94$5,137,786,739$180,085,216$58,859,148$3,338,904,533
95$5,661,441,733$188,510,138$60,431,676$3,675,946,266
96$6,238,496,960$197,335,305$62,044,308$4,047,223,763
97$6,874,398,847$206,579,933$63,697,989$4,456,222,986
98$7,575,149,346$216,264,166$65,393,688$4,906,785,193
99$8,347,362,592$226,409,123$67,132,390$5,403,143,166
100$9,198,327,353$237,036,946$68,915,101$5,949,961,132