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%17.9%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$964,860
2 years$511,009$501,492$492,268$483,326$474,651$442,800
3 years$337,289$327,731$318,530$309,671$301,138$270,342
4 years$250,446$240,917$231,808$223,101$214,774$185,269
5 years$198,353$188,882$179,893$171,363$163,268$135,132
6 years$163,636$154,236$145,380$137,040$129,188$102,446
7 years$138,848$129,527$120,812$112,668$105,065$79,714
8 years$120,266$111,029$102,458$94,515$87,161$63,184
9 years$105,820$96,670$88,247$80,506$73,402$50,771
10 years$94,271$85,210$76,936$69,397$62,543$41,223
11 years$84,827$75,858$67,733$60,396$53,789$33,742
12 years$76,963$68,086$60,111$52,975$46,612$27,794
13 years$70,314$61,530$53,705$46,769$40,647$23,012
14 years$64,620$55,929$48,255$41,516$35,631$19,132
15 years$59,690$51,092$43,567$37,025$31,372$15,959
16 years$55,380$46,876$39,500$33,152$27,727$13,348
17 years$51,581$43,171$35,944$29,787$24,584$11,190
18 years$48,208$39,892$32,812$26,844$21,859$9,399
19 years$45,193$36,971$30,038$24,256$19,484$7,907
20 years$42,484$34,356$27,567$21,968$17,403$6,660
21 years$40,035$32,001$25,356$19,938$15,574$5,616
22 years$37,812$29,872$23,370$18,128$13,960$4,740
23 years$35,786$27,938$21,578$16,509$12,531$4,004
24 years$33,931$26,176$19,956$15,058$11,263$3,384
25 years$32,227$24,565$18,483$13,752$10,135$2,862
26 years$30,657$23,087$17,142$12,574$9,129$2,421
27 years$29,205$21,728$15,918$11,509$8,231$2,049
28 years$27,860$20,474$14,798$10,545$7,427$1,735
29 years$26,609$19,315$13,771$9,670$6,706$1,469
30 years$25,445$18,241$12,827$8,874$6,060$1,245
31 years$24,357$17,244$11,958$8,150$5,478$1,054
32 years$23,340$16,316$11,157$7,490$4,956$894
33 years$22,386$15,452$10,418$6,888$4,485$757
34 years$21,490$14,645$9,734$6,338$4,061$642
35 years$20,647$13,890$9,100$5,834$3,678$544
36 years$19,853$13,184$8,513$5,373$3,332$461
37 years$19,103$12,522$7,968$4,951$3,020$391
38 years$18,395$11,900$7,462$4,563$2,738$332
39 years$17,725$11,316$6,991$4,207$2,483$281
40 years$17,089$10,766$6,552$3,881$2,252$238
41 years$16,487$10,248$6,144$3,580$2,043$202
42 years$15,914$9,760$5,763$3,304$1,854$171
43 years$15,370$9,299$5,408$3,050$1,683$145
44 years$14,852$8,864$5,077$2,816$1,527$123
45 years$14,358$8,453$4,767$2,601$1,387$105
46 years$13,887$8,064$4,477$2,403$1,259$89
47 years$13,438$7,695$4,206$2,220$1,143$75
48 years$13,008$7,346$3,953$2,051$1,038$64
49 years$12,597$7,015$3,715$1,896$943$54
50 years$12,204$6,701$3,493$1,752$856$46

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 $3,973 every year, while hoping to spend $37,218 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: 48/42/10 Blend
29$12,500,000$12,500,000$12,500,000$12,500,000
30$13,779,098$13,116,598$12,922,848$14,402,780
31$15,144,966$13,719,712$13,316,164$15,434,824
32$16,648,906$14,351,131$13,721,408$16,550,511
33$18,304,961$15,012,202$14,138,942$17,760,999
34$20,128,606$15,704,339$14,569,135$19,075,133
35$22,136,894$16,429,022$15,012,371$20,502,626
36$24,348,615$17,187,802$15,469,044$22,054,141
37$26,784,475$17,982,305$15,939,558$23,741,390
38$29,467,290$18,814,237$16,424,332$25,577,235
39$32,422,202$19,685,384$16,923,796$27,575,808
40$35,676,917$20,597,618$17,438,393$29,752,634
41$39,261,964$21,552,902$17,968,581$32,124,775
42$43,210,984$22,553,295$18,514,829$34,710,980
43$47,561,051$23,600,952$19,077,621$37,531,861
44$52,353,014$24,698,134$19,657,457$40,610,072
45$57,631,890$25,847,212$20,254,851$43,970,524
46$63,447,286$27,050,669$20,870,332$47,640,605
47$69,853,867$28,311,109$21,504,446$51,650,435
48$76,911,870$29,631,262$22,157,753$56,033,138
49$84,687,675$31,013,988$22,830,832$60,825,147
50$93,254,433$32,462,289$23,524,280$66,066,538
51$102,692,752$33,979,307$24,238,710$71,801,399
52$113,091,459$35,568,340$24,974,754$78,078,235
53$124,548,443$37,232,844$25,733,063$84,950,413
54$137,171,570$38,976,439$26,514,307$92,476,658
55$151,079,711$40,802,926$27,319,177$100,721,590
56$166,403,857$42,716,284$28,148,384$109,756,328
57$183,288,357$44,720,689$29,002,662$119,659,140
58$201,892,282$46,820,515$29,882,764$130,516,176
59$222,390,926$49,020,351$30,789,467$142,422,260
60$244,977,458$51,325,007$31,723,572$155,481,774
61$269,864,751$53,739,524$32,685,904$169,809,625
62$297,287,385$56,269,190$33,677,311$185,532,314
63$327,503,864$58,919,547$34,698,668$202,789,112
64$360,799,060$61,696,406$35,750,874$221,733,359
65$397,486,894$64,605,860$36,834,859$242,533,885
66$437,913,307$67,654,297$37,951,576$265,376,595
67$482,459,520$70,848,413$39,102,010$290,466,190
68$531,545,638$74,195,232$40,287,174$318,028,089
69$585,634,610$77,702,115$41,508,111$348,310,524
70$645,236,603$81,376,782$42,765,895$381,586,866
71$710,913,818$85,227,326$44,061,635$418,158,179
72$783,285,797$89,262,234$45,396,469$458,356,029
73$863,035,268$93,490,404$46,771,571$502,545,598
74$950,914,597$97,921,165$48,188,149$551,129,090
75$1,047,752,884$102,564,300$49,647,450$604,549,507
76$1,154,463,793$107,430,066$51,150,755$663,294,791
77$1,272,054,179$112,529,218$52,699,384$727,902,404
78$1,401,633,589$117,873,033$54,294,698$798,964,361
79$1,544,424,740$123,473,337$55,938,095$877,132,786
80$1,701,775,062$129,342,528$57,631,019$963,126,027
81$1,875,169,414$135,493,609$59,374,955$1,057,735,398
82$2,066,244,110$141,940,210$61,171,431$1,161,832,607
83$2,276,802,357$148,696,629$63,022,022$1,276,377,942
84$2,508,831,289$155,777,855$64,928,351$1,402,429,287
85$2,764,520,717$163,199,607$66,892,087$1,541,152,065
86$3,046,283,809$170,978,366$68,914,951$1,693,830,184
87$3,356,779,868$179,131,417$70,998,712$1,861,878,108
88$3,698,939,441$187,676,883$73,145,196$2,046,854,153
89$4,075,991,984$196,633,770$75,356,280$2,250,475,139
90$4,491,496,349$206,022,007$77,633,898$2,474,632,538
91$4,949,374,384$215,862,493$79,980,041$2,721,410,266
92$5,453,947,959$226,177,143$82,396,760$2,993,104,285
93$6,009,979,767$236,988,939$84,886,167$3,292,244,214
94$6,622,718,286$248,321,980$87,450,437$3,621,617,131
95$7,297,947,332$260,201,538$90,091,807$3,984,293,811
96$8,042,040,662$272,654,115$92,812,585$4,383,657,629
97$8,862,022,147$285,707,504$95,615,144$4,823,436,425
98$9,765,632,083$299,390,850$98,501,929$5,307,737,598
99$10,761,400,269$313,734,715$101,475,457$5,841,086,798
100$11,858,726,532$328,771,151$104,538,320$6,428,470,548