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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.8%
1 years$825,791$818,435$811,258$804,254$797,414$781,633
2 years$408,807$401,194$393,815$386,660$379,721$363,889
3 years$269,831$262,184$254,824$247,737$240,911$225,521
4 years$200,356$192,733$185,447$178,481$171,819$156,991
5 years$158,683$151,105$143,914$137,090$130,614$116,388
6 years$130,909$123,389$116,304$109,632$103,351$89,743
7 years$111,079$103,622$96,649$90,135$84,052$71,066
8 years$96,213$88,823$81,966$75,612$69,729$57,361
9 years$84,656$77,336$70,598$64,404$58,722$46,964
10 years$75,417$68,168$61,549$55,517$50,034$38,875
11 years$67,862$60,686$54,186$48,317$43,031$32,457
12 years$61,571$54,469$48,089$42,380$37,290$27,286
13 years$56,251$49,224$42,964$37,415$32,517$23,067
14 years$51,696$44,743$38,604$33,213$28,505$19,589
15 years$47,752$40,874$34,854$29,620$25,098$16,699
16 years$44,304$37,501$31,600$26,522$22,181$14,281
17 years$41,265$34,537$28,755$23,830$19,668$12,245
18 years$38,566$31,914$26,250$21,475$17,487$10,523
19 years$36,155$29,577$24,030$19,405$15,587$9,060
20 years$33,987$27,484$22,054$17,575$13,923$7,813
21 years$32,028$25,601$20,285$15,950$12,459$6,747
22 years$30,250$23,897$18,696$14,502$11,168$5,833
23 years$28,629$22,351$17,262$13,208$10,025$5,048
24 years$27,145$20,941$15,965$12,046$9,011$4,373
25 years$25,782$19,652$14,787$11,001$8,108$3,791
26 years$24,525$18,470$13,714$10,059$7,304$3,288
27 years$23,364$17,382$12,734$9,207$6,585$2,854
28 years$22,288$16,379$11,838$8,436$5,942$2,478
29 years$21,288$15,452$11,017$7,736$5,365$2,153
30 years$20,356$14,593$10,262$7,099$4,848$1,871
31 years$19,486$13,795$9,567$6,520$4,383$1,626
32 years$18,672$13,053$8,926$5,992$3,965$1,414
33 years$17,909$12,361$8,334$5,510$3,588$1,230
34 years$17,192$11,716$7,787$5,070$3,248$1,070
35 years$16,518$11,112$7,280$4,667$2,942$931
36 years$15,882$10,547$6,810$4,298$2,666$810
37 years$15,283$10,017$6,374$3,960$2,416$705
38 years$14,716$9,520$5,969$3,650$2,190$613
39 years$14,180$9,053$5,593$3,366$1,986$534
40 years$13,672$8,613$5,242$3,105$1,802$465
41 years$13,189$8,199$4,915$2,864$1,635$405
42 years$12,731$7,808$4,611$2,643$1,483$352
43 years$12,296$7,439$4,327$2,440$1,346$307
44 years$11,881$7,091$4,061$2,253$1,222$267
45 years$11,486$6,762$3,813$2,081$1,109$233
46 years$11,110$6,451$3,582$1,922$1,007$203
47 years$10,750$6,156$3,365$1,776$914$176
48 years$10,406$5,877$3,162$1,641$830$154
49 years$10,078$5,612$2,972$1,516$754$134
50 years$9,763$5,361$2,794$1,402$685$117

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 $3,085 every year, while hoping to spend $55,953 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: 66/20/14 Blend
29$10,000,000$10,000,000$10,000,000$10,000,000
30$11,023,182$10,493,182$10,338,182$11,714,422
31$12,088,013$10,947,815$10,624,978$12,630,904
32$13,259,582$11,422,849$10,919,506$13,625,440
33$14,548,716$11,919,225$11,221,966$14,711,114
34$15,967,346$12,437,928$11,532,563$15,896,840
35$17,528,619$12,979,990$11,851,507$17,192,425
36$19,247,018$13,546,490$12,179,013$18,608,664
37$21,138,504$14,138,558$12,515,300$20,157,432
38$23,220,663$14,757,379$12,860,594$21,851,802
39$25,512,873$15,404,192$13,215,126$23,706,161
40$28,036,484$16,080,296$13,579,131$25,736,345
41$30,815,024$16,787,050$13,952,851$27,959,786
42$33,874,419$17,525,877$14,336,533$30,395,675
43$37,243,233$18,298,269$14,730,431$33,065,138
44$40,952,946$19,105,787$15,134,804$35,991,435
45$45,038,244$19,950,068$15,549,916$39,200,176
46$49,537,346$20,832,823$15,976,040$42,719,558
47$54,492,371$21,755,847$16,413,453$46,580,630
48$59,949,729$22,721,018$16,862,439$50,817,584
49$65,960,559$23,730,307$17,323,289$55,468,070
50$72,581,217$24,785,772$17,796,300$60,573,552
51$79,873,801$25,889,576$18,281,777$66,179,693
52$87,906,742$27,043,978$18,780,029$72,336,782
53$96,755,446$28,251,349$19,291,377$79,100,209
54$106,503,008$29,514,172$19,816,144$86,530,978
55$117,240,994$30,835,045$20,354,664$94,696,281
56$129,070,307$32,216,694$20,907,277$103,670,127
57$142,102,138$33,661,971$21,474,330$113,534,038
58$156,459,015$35,173,867$22,056,179$124,377,809
59$172,275,961$36,755,514$22,653,188$136,300,355
60$189,701,767$38,410,192$23,265,728$149,410,638
61$208,900,396$40,141,339$23,894,178$163,828,687
62$230,052,529$41,952,558$24,538,926$179,686,728
63$253,357,275$43,847,621$25,200,368$197,130,425
64$279,034,046$45,830,484$25,878,909$216,320,251
65$307,324,629$47,905,288$26,574,963$237,432,991
66$338,495,469$50,076,374$27,288,952$260,663,407
67$372,840,181$52,348,291$28,021,306$286,226,070
68$410,682,327$54,725,805$28,772,467$314,357,376
69$452,378,464$57,213,909$29,542,884$345,317,769
70$498,321,512$59,817,835$30,333,016$379,394,194
71$548,944,466$62,543,069$31,143,332$416,902,793
72$604,724,477$65,395,354$31,974,309$458,191,885
73$666,187,361$68,380,714$32,826,435$503,645,239
74$733,912,560$71,505,457$33,700,209$553,685,693
75$808,538,613$74,776,197$34,596,138$608,779,129
76$890,769,183$78,199,862$35,514,740$669,438,866
77$981,379,700$81,783,715$36,456,544$736,230,488
78$1,081,224,679$85,535,367$37,422,088$809,777,179
79$1,191,245,790$89,462,794$38,411,922$890,765,585
80$1,312,480,745$93,574,355$39,426,605$979,952,292
81$1,446,073,093$97,878,810$40,466,709$1,078,170,948
82$1,593,283,019$102,385,343$41,532,814$1,186,340,120
83$1,755,499,238$107,103,575$42,625,514$1,305,471,954
84$1,934,252,103$112,043,593$43,745,412$1,436,681,711
85$2,131,228,056$117,215,968$44,893,122$1,581,198,282
86$2,348,285,548$122,631,780$46,069,271$1,740,375,770
87$2,587,472,579$128,302,642$47,274,497$1,915,706,257
88$2,851,046,036$134,240,727$48,509,448$2,108,833,871
89$3,141,493,002$140,458,792$49,774,783$2,321,570,287
90$3,461,554,226$146,970,211$51,071,177$2,555,911,815
91$3,814,250,006$153,789,000$52,399,311$2,814,058,216
92$4,202,908,700$160,929,854$53,759,880$3,098,433,455
93$4,631,198,144$168,408,173$55,153,593$3,411,708,559
94$5,103,160,282$176,240,102$56,581,166$3,756,826,805
95$5,623,249,327$184,442,563$58,043,331$4,137,031,489
96$6,196,373,806$193,033,296$59,540,830$4,555,896,510
97$6,827,942,902$202,030,895$61,074,416$5,017,360,087
98$7,523,917,523$211,454,854$62,644,854$5,525,761,910
99$8,290,866,576$221,325,608$64,252,922$6,085,884,076
100$9,136,028,980$231,664,576$65,899,408$6,702,996,206