Can I retire at age 30 with 12,500,000?

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 $12,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$980,255
2 years$511,009$501,492$492,268$483,326$474,651$458,063
3 years$337,289$327,731$318,530$309,671$301,138$284,991
4 years$250,446$240,917$231,808$223,101$214,774$199,192
5 years$198,353$188,882$179,893$171,363$163,268$148,296
6 years$163,636$154,236$145,380$137,040$129,188$114,844
7 years$138,848$129,527$120,812$112,668$105,065$91,352
8 years$120,266$111,029$102,458$94,515$87,161$74,078
9 years$105,820$96,670$88,247$80,506$73,402$60,941
10 years$94,271$85,210$76,936$69,397$62,543$50,692
11 years$84,827$75,858$67,733$60,396$53,789$42,537
12 years$76,963$68,086$60,111$52,975$46,612$35,945
13 years$70,314$61,530$53,705$46,769$40,647$30,548
14 years$64,620$55,929$48,255$41,516$35,631$26,084
15 years$59,690$51,092$43,567$37,025$31,372$22,359
16 years$55,380$46,876$39,500$33,152$27,727$19,228
17 years$51,581$43,171$35,944$29,787$24,584$16,581
18 years$48,208$39,892$32,812$26,844$21,859$14,332
19 years$45,193$36,971$30,038$24,256$19,484$12,413
20 years$42,484$34,356$27,567$21,968$17,403$10,769
21 years$40,035$32,001$25,356$19,938$15,574$9,356
22 years$37,812$29,872$23,370$18,128$13,960$8,139
23 years$35,786$27,938$21,578$16,509$12,531$7,088
24 years$33,931$26,176$19,956$15,058$11,263$6,178
25 years$32,227$24,565$18,483$13,752$10,135$5,390
26 years$30,657$23,087$17,142$12,574$9,129$4,705
27 years$29,205$21,728$15,918$11,509$8,231$4,110
28 years$27,860$20,474$14,798$10,545$7,427$3,592
29 years$26,609$19,315$13,771$9,670$6,706$3,141
30 years$25,445$18,241$12,827$8,874$6,060$2,747
31 years$24,357$17,244$11,958$8,150$5,478$2,404
32 years$23,340$16,316$11,157$7,490$4,956$2,104
33 years$22,386$15,452$10,418$6,888$4,485$1,842
34 years$21,490$14,645$9,734$6,338$4,061$1,614
35 years$20,647$13,890$9,100$5,834$3,678$1,413
36 years$19,853$13,184$8,513$5,373$3,332$1,238
37 years$19,103$12,522$7,968$4,951$3,020$1,085
38 years$18,395$11,900$7,462$4,563$2,738$951
39 years$17,725$11,316$6,991$4,207$2,483$833
40 years$17,089$10,766$6,552$3,881$2,252$730
41 years$16,487$10,248$6,144$3,580$2,043$640
42 years$15,914$9,760$5,763$3,304$1,854$561
43 years$15,370$9,299$5,408$3,050$1,683$492
44 years$14,852$8,864$5,077$2,816$1,527$432
45 years$14,358$8,453$4,767$2,601$1,387$378
46 years$13,887$8,064$4,477$2,403$1,259$332
47 years$13,438$7,695$4,206$2,220$1,143$291
48 years$13,008$7,346$3,953$2,051$1,038$255
49 years$12,597$7,015$3,715$1,896$943$224
50 years$12,204$6,701$3,493$1,752$856$196

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $12,500,000, adding $3,016 every year, while hoping to spend $40,115 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: 41/48/11 Blend
29$12,500,000$12,500,000$12,500,000$12,500,000
30$13,778,111$13,115,611$12,921,861$14,298,006
31$15,140,796$13,715,594$13,312,061$15,263,318
32$16,641,131$14,343,631$13,713,989$16,303,215
33$18,293,113$15,001,056$14,127,994$17,427,802
34$20,112,167$15,689,264$14,554,438$18,644,792
35$22,115,288$16,409,718$14,993,692$19,962,644
36$24,321,206$17,163,953$15,446,139$21,390,636
37$26,750,557$17,953,575$15,912,173$22,938,945
38$29,426,083$18,780,269$16,392,200$24,618,742
39$32,372,842$19,645,801$16,886,637$26,442,284
40$35,618,448$20,552,021$17,395,915$28,423,030
41$39,193,327$21,500,868$17,920,476$30,575,753
42$43,131,011$22,494,375$18,460,777$32,916,679
43$47,468,448$23,534,673$19,017,287$35,463,627
44$52,246,353$24,623,995$19,590,489$38,236,175
45$57,509,591$25,764,681$20,180,881$41,255,827
46$63,307,605$26,959,186$20,788,976$44,546,217
47$69,694,875$28,210,080$21,415,301$48,133,316
48$76,731,438$29,520,060$22,060,399$52,045,667
49$84,483,453$30,891,951$22,724,831$56,314,650
50$93,023,824$32,328,716$23,409,171$60,974,761
51$102,432,889$33,833,457$24,114,013$66,063,930
52$112,799,178$35,409,432$24,839,967$71,623,864
53$124,220,251$37,060,050$25,587,662$77,700,432
54$136,803,612$38,788,888$26,357,745$84,344,082
55$150,667,733$40,599,696$27,150,882$91,610,304
56$165,943,164$42,496,404$27,967,759$99,560,141
57$182,773,769$44,483,130$28,809,081$108,260,749
58$201,318,085$46,564,195$29,675,577$117,786,015
59$221,750,815$48,744,126$30,567,994$128,217,239
60$244,264,480$51,027,669$31,487,103$139,643,883
61$269,071,233$53,419,801$32,433,698$152,164,398
62$296,404,866$55,925,739$33,408,594$165,887,136
63$326,523,013$58,550,951$34,412,632$180,931,351
64$359,709,584$61,301,171$35,446,679$197,428,304
65$396,277,444$64,182,411$36,511,625$215,522,483
66$436,571,366$67,200,972$37,608,388$235,372,941
67$480,971,288$70,363,462$38,737,911$257,154,775
68$529,895,895$73,676,807$39,901,166$281,060,754
69$583,806,576$77,148,271$41,099,156$307,303,116
70$643,211,778$80,785,467$42,332,908$336,115,536
71$708,671,804$84,596,379$43,603,485$367,755,312
72$780,804,103$88,589,378$44,911,978$402,505,759
73$860,289,103$92,773,238$46,259,510$440,678,854
74$947,876,626$97,157,161$47,647,238$482,618,147
75$1,044,392,974$101,750,795$49,076,353$528,701,971
76$1,150,748,727$106,564,254$50,548,081$579,346,977
77$1,267,947,339$111,608,144$52,063,683$635,012,029
78$1,397,094,610$116,893,585$53,624,459$696,202,498
79$1,539,409,127$122,432,237$55,231,745$763,474,988
80$1,696,233,767$128,236,326$56,886,917$837,442,551
81$1,869,048,374$134,318,669$58,591,392$918,780,426
82$2,059,483,733$140,692,708$60,346,628$1,008,232,367
83$2,269,336,960$147,372,537$62,154,126$1,106,617,616
84$2,500,588,471$154,372,932$64,015,431$1,214,838,581
85$2,755,420,679$161,709,390$65,932,132$1,333,889,303
86$3,036,238,597$169,398,159$67,905,866$1,464,864,782
87$3,345,692,539$177,456,274$69,938,319$1,608,971,255
88$3,686,703,149$185,901,602$72,031,223$1,767,537,519
89$4,062,488,964$194,752,875$74,186,363$1,942,027,410
90$4,476,596,809$204,029,736$76,405,577$2,134,053,554
91$4,932,935,274$213,752,784$78,690,754$2,345,392,516
92$5,435,811,618$223,943,617$81,043,841$2,578,001,502
93$5,989,972,434$234,624,884$83,466,840$2,834,036,748
94$6,600,648,455$245,820,337$85,961,812$3,115,873,798
95$7,273,603,944$257,554,880$88,530,880$3,426,129,843
96$8,015,191,108$269,854,630$91,176,225$3,767,688,337
97$8,832,410,068$282,746,974$93,900,096$4,143,726,121
98$9,732,974,950$296,260,631$96,704,804$4,557,743,314
99$10,725,386,711$310,425,718$99,592,731$5,013,596,256
100$11,819,013,393$325,273,815$102,566,325$5,515,533,795