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%19.5%
1 years$825,791$818,435$811,258$804,254$797,414$766,988
2 years$408,807$401,194$393,815$386,660$379,721$349,425
3 years$269,831$262,184$254,824$247,737$240,911$211,698
4 years$200,356$192,733$185,447$178,481$171,819$143,913
5 years$158,683$151,105$143,914$137,090$130,614$104,086
6 years$130,909$123,389$116,304$109,632$103,351$78,219
7 years$111,079$103,622$96,649$90,135$84,052$60,308
8 years$96,213$88,823$81,966$75,612$69,729$47,351
9 years$84,656$77,336$70,598$64,404$58,722$37,678
10 years$75,417$68,168$61,549$55,517$50,034$30,285
11 years$67,862$60,686$54,186$48,317$43,031$24,532
12 years$61,571$54,469$48,089$42,380$37,290$19,994
13 years$56,251$49,224$42,964$37,415$32,517$16,374
14 years$51,696$44,743$38,604$33,213$28,505$13,462
15 years$47,752$40,874$34,854$29,620$25,098$11,102
16 years$44,304$37,501$31,600$26,522$22,181$9,179
17 years$41,265$34,537$28,755$23,830$19,668$7,605
18 years$38,566$31,914$26,250$21,475$17,487$6,312
19 years$36,155$29,577$24,030$19,405$15,587$5,246
20 years$33,987$27,484$22,054$17,575$13,923$4,365
21 years$32,028$25,601$20,285$15,950$12,459$3,635
22 years$30,250$23,897$18,696$14,502$11,168$3,030
23 years$28,629$22,351$17,262$13,208$10,025$2,527
24 years$27,145$20,941$15,965$12,046$9,011$2,109
25 years$25,782$19,652$14,787$11,001$8,108$1,761
26 years$24,525$18,470$13,714$10,059$7,304$1,471
27 years$23,364$17,382$12,734$9,207$6,585$1,229
28 years$22,288$16,379$11,838$8,436$5,942$1,027
29 years$21,288$15,452$11,017$7,736$5,365$858
30 years$20,356$14,593$10,262$7,099$4,848$718
31 years$19,486$13,795$9,567$6,520$4,383$600
32 years$18,672$13,053$8,926$5,992$3,965$502
33 years$17,909$12,361$8,334$5,510$3,588$420
34 years$17,192$11,716$7,787$5,070$3,248$351
35 years$16,518$11,112$7,280$4,667$2,942$294
36 years$15,882$10,547$6,810$4,298$2,666$246
37 years$15,283$10,017$6,374$3,960$2,416$205
38 years$14,716$9,520$5,969$3,650$2,190$172
39 years$14,180$9,053$5,593$3,366$1,986$144
40 years$13,672$8,613$5,242$3,105$1,802$120
41 years$13,189$8,199$4,915$2,864$1,635$101
42 years$12,731$7,808$4,611$2,643$1,483$84
43 years$12,296$7,439$4,327$2,440$1,346$71
44 years$11,881$7,091$4,061$2,253$1,222$59
45 years$11,486$6,762$3,813$2,081$1,109$49
46 years$11,110$6,451$3,582$1,922$1,007$41
47 years$10,750$6,156$3,365$1,776$914$35
48 years$10,406$5,877$3,162$1,641$830$29
49 years$10,078$5,612$2,972$1,516$754$24
50 years$9,763$5,361$2,794$1,402$685$20

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 $3,268 every year, while hoping to spend $50,114 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: 71/13/16 Blend
29$10,000,000$10,000,000$10,000,000$10,000,000
30$11,023,371$10,493,371$10,338,371$11,765,156
31$12,094,434$10,954,225$10,631,385$12,719,247
32$13,273,066$11,435,982$10,932,536$13,757,069
33$14,570,185$11,939,612$11,242,043$14,891,968
34$15,997,824$12,466,133$11,560,132$16,133,532
35$17,569,239$13,016,610$11,887,033$17,492,318
36$19,299,036$13,592,159$12,222,983$18,979,946
37$21,203,311$14,193,948$12,568,227$20,609,210
38$23,299,800$14,823,202$12,923,013$22,394,194
39$25,608,043$15,481,203$13,287,598$24,350,404
40$28,149,574$16,169,293$13,662,243$26,494,917
41$30,948,122$16,888,879$14,047,219$28,846,532
42$34,029,831$17,641,434$14,442,801$31,425,955
43$37,423,511$18,428,502$14,849,273$34,255,984
44$41,160,910$19,251,700$15,266,925$37,361,727
45$45,277,010$20,112,721$15,696,054$40,770,836
46$49,810,360$21,013,338$16,136,966$44,513,764
47$54,803,437$21,955,412$16,589,975$48,624,052
48$60,303,048$22,940,888$17,055,400$53,138,643
49$66,360,775$23,971,807$17,533,571$58,098,226
50$73,033,454$25,050,306$18,024,826$63,547,619
51$80,383,719$26,178,623$18,529,510$69,536,191
52$88,480,587$27,359,105$19,047,978$76,118,322
53$97,400,115$28,594,209$19,580,593$83,353,914
54$107,226,111$29,886,510$20,127,728$91,308,955
55$118,050,932$31,238,706$20,689,763$100,056,137
56$129,976,348$32,653,624$21,267,092$109,675,538
57$143,114,510$34,134,226$21,860,114$120,255,377
58$157,589,002$35,683,615$22,469,240$131,892,842
59$173,536,013$37,305,045$23,094,892$144,695,000
60$191,105,615$39,001,921$23,737,500$158,779,810
61$210,463,189$40,777,816$24,397,507$174,277,228
62$231,790,976$42,636,471$25,075,365$191,330,429
63$255,289,804$44,581,807$25,771,539$210,097,157
64$281,180,982$46,617,933$26,486,503$230,751,206
65$309,708,386$48,749,156$27,220,745$253,484,060
66$341,140,764$50,979,987$27,974,762$278,506,689
67$375,774,271$53,315,155$28,749,066$306,051,542
68$413,935,266$55,759,617$29,544,179$336,374,731
69$455,983,391$58,318,566$30,360,637$369,758,443
70$502,314,967$60,997,446$31,198,988$406,513,603
71$553,366,733$63,801,961$32,059,794$446,982,794
72$609,619,973$66,738,090$32,943,630$491,543,493
73$671,605,052$69,812,098$33,851,084$540,611,623
74$739,906,431$73,030,554$34,782,759$594,645,470
75$815,168,176$76,400,341$35,739,271$654,150,008
76$898,100,046$79,928,674$36,721,252$719,681,653
77$989,484,184$83,623,112$37,729,348$791,853,511
78$1,090,182,510$87,491,584$38,764,219$871,341,154
79$1,201,144,849$91,542,395$39,826,544$958,888,990
80$1,323,417,905$95,784,253$40,917,014$1,055,317,282
81$1,458,155,135$100,226,285$42,036,338$1,161,529,883
82$1,606,627,643$104,878,057$43,185,240$1,278,522,754
83$1,770,236,179$109,749,598$44,364,461$1,407,393,360
84$1,950,524,359$114,851,419$45,574,761$1,549,351,017
85$2,149,193,243$120,194,538$46,816,915$1,705,728,301
86$2,368,117,388$125,790,504$48,091,716$1,877,993,608
87$2,609,362,549$131,651,426$49,399,975$2,067,765,012
88$2,875,205,177$137,789,994$50,742,523$2,276,825,524
89$3,168,153,915$144,219,513$52,120,207$2,507,139,911
90$3,490,973,274$150,953,930$53,533,894$2,760,873,228
91$3,846,709,740$158,007,864$54,984,471$3,040,411,246
92$4,238,720,526$165,396,642$56,472,844$3,348,382,960
93$4,670,705,274$173,136,332$57,999,938$3,687,685,386
94$5,146,740,977$181,243,778$59,566,701$4,061,510,899
95$5,671,320,471$189,736,636$61,174,100$4,473,377,354
96$6,249,394,848$198,633,420$62,823,121$4,927,161,274
97$6,886,420,201$207,953,537$64,514,774$5,427,134,428
98$7,588,409,134$217,717,333$66,250,091$5,978,004,144
99$8,361,987,521$227,946,137$68,030,125$6,584,957,723
100$9,214,457,064$238,662,314$69,855,950$7,253,711,391