Can I retire at age 30 with 15,000,000?

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 $15,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,167,679
2 years$613,211$601,790$590,722$579,991$569,581$541,093
3 years$404,746$393,277$382,236$371,606$361,366$333,721
4 years$300,535$289,100$278,170$267,721$257,729$231,141
5 years$238,024$226,658$215,871$205,635$195,922$170,465
6 years$196,364$185,083$174,456$164,448$155,026$130,726
7 years$166,618$155,433$144,974$135,202$126,078$102,937
8 years$144,319$133,234$122,949$113,418$104,594$82,604
9 years$126,984$116,005$105,896$96,607$88,083$67,226
10 years$113,125$102,252$92,323$83,276$75,051$55,304
11 years$101,793$91,029$81,280$72,475$64,546$45,882
12 years$92,356$81,703$72,133$63,570$55,935$38,321
13 years$84,377$73,836$64,446$56,123$48,776$32,181
14 years$77,544$67,114$57,905$49,820$42,757$27,144
15 years$71,628$61,310$52,281$44,430$37,646$22,979
16 years$66,456$56,251$47,400$39,783$33,272$19,512
17 years$61,897$51,805$43,132$35,744$29,501$16,610
18 years$57,849$47,870$39,374$32,213$26,231$14,170
19 years$54,232$44,366$36,045$29,107$23,380$12,110
20 years$50,980$41,227$33,081$26,362$20,884$10,364
21 years$48,042$38,401$30,428$23,925$18,689$8,882
22 years$45,375$35,846$28,044$21,754$16,752$7,620
23 years$42,943$33,526$25,894$19,811$15,037$6,544
24 years$40,717$31,412$23,947$18,069$13,516$5,624
25 years$38,672$29,478$22,180$16,502$12,162$4,836
26 years$36,788$27,705$20,571$15,088$10,955$4,161
27 years$35,046$26,074$19,102$13,811$9,877$3,583
28 years$33,432$24,569$17,757$12,654$8,912$3,086
29 years$31,931$23,178$16,525$11,604$8,048$2,659
30 years$30,534$21,889$15,392$10,649$7,272$2,291
31 years$29,228$20,693$14,350$9,780$6,574$1,975
32 years$28,007$19,579$13,389$8,989$5,947$1,703
33 years$26,863$18,542$12,501$8,266$5,382$1,469
34 years$25,788$17,574$11,680$7,605$4,873$1,267
35 years$24,776$16,668$10,920$7,001$4,413$1,093
36 years$23,823$15,821$10,216$6,448$3,999$943
37 years$22,924$15,026$9,562$5,941$3,624$814
38 years$22,074$14,280$8,954$5,476$3,286$703
39 years$21,270$13,579$8,389$5,049$2,980$606
40 years$20,507$12,919$7,863$4,657$2,703$523
41 years$19,784$12,298$7,373$4,297$2,452$452
42 years$19,097$11,712$6,916$3,965$2,225$390
43 years$18,444$11,159$6,490$3,660$2,019$337
44 years$17,822$10,637$6,092$3,380$1,833$291
45 years$17,230$10,143$5,720$3,121$1,664$251
46 years$16,665$9,676$5,372$2,883$1,511$217
47 years$16,125$9,234$5,047$2,664$1,372$187
48 years$15,610$8,815$4,743$2,461$1,246$162
49 years$15,117$8,418$4,458$2,275$1,131$140
50 years$14,645$8,041$4,191$2,103$1,028$120

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $15,000,000, adding $6,683 every year, while hoping to spend $50,964 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: 68/15/17 Blend
29$15,000,000$15,000,000$15,000,000$15,000,000
30$16,536,894$15,741,894$15,509,394$17,593,428
31$18,169,431$16,459,021$15,974,733$19,016,421
32$19,966,780$17,209,580$16,453,953$20,565,720
33$21,945,696$17,995,154$16,947,465$22,259,104
34$24,124,645$18,817,404$17,455,693$24,110,744
35$26,523,971$19,678,069$17,979,071$26,136,238
36$29,166,095$20,578,973$18,518,049$28,352,753
37$32,075,721$21,522,027$19,073,088$30,779,182
38$35,280,071$22,509,234$19,644,663$33,436,323
39$38,809,143$23,542,691$20,233,264$36,347,072
40$42,695,991$24,624,598$20,839,394$39,536,633
41$46,977,040$25,757,261$21,463,571$43,032,755
42$51,692,426$26,943,095$22,106,329$46,865,989
43$56,886,380$28,184,632$22,768,217$51,069,974
44$62,607,638$29,484,527$23,449,799$55,681,750
45$68,909,908$30,845,560$24,151,659$60,742,101
46$75,852,373$32,270,646$24,874,394$66,295,942
47$83,500,249$33,762,843$25,618,620$72,392,733
48$91,925,404$35,325,351$26,384,973$79,086,943
49$101,207,030$36,961,528$27,174,105$86,438,560
50$111,432,397$38,674,893$27,986,687$94,513,651
51$122,697,672$40,469,133$28,823,412$103,384,984
52$135,108,829$42,348,115$29,684,991$113,132,703
53$148,782,648$44,315,891$30,572,156$123,845,086
54$163,847,817$46,376,709$31,485,662$135,619,368
55$180,446,148$48,535,021$32,426,285$148,562,654
56$198,733,913$50,795,495$33,394,824$162,792,922
57$218,883,321$53,163,023$34,392,099$178,440,135
58$241,084,142$55,642,734$35,418,957$195,647,454
59$265,545,502$58,240,005$36,476,269$214,572,589
60$292,497,849$60,960,471$37,564,930$235,389,273
61$322,195,137$63,810,042$38,685,863$258,288,901
62$354,917,218$66,794,910$39,840,016$283,482,324
63$390,972,483$69,921,570$41,028,366$311,201,833
64$430,700,777$73,196,828$42,251,917$341,703,341
65$474,476,604$76,627,820$43,511,704$375,268,791
66$522,712,662$80,222,028$44,808,790$412,208,807
67$575,863,741$83,987,294$46,144,272$452,865,619
68$634,431,012$87,931,842$47,519,275$497,616,275
69$698,966,765$92,064,291$48,934,960$546,876,199
70$770,079,613$96,393,680$50,392,519$601,103,096
71$848,440,247$100,929,483$51,893,182$660,801,260
72$934,787,759$105,681,635$53,438,211$726,526,323
73$1,029,936,626$110,660,550$55,028,906$798,890,489
74$1,134,784,393$115,877,149$56,666,606$878,568,298
75$1,250,320,151$121,342,879$58,352,687$966,302,976
76$1,377,633,870$127,069,743$60,088,566$1,062,913,443
77$1,517,926,692$133,070,328$61,875,700$1,169,302,023
78$1,672,522,268$139,357,828$63,715,590$1,286,462,948
79$1,842,879,256$145,946,077$65,609,778$1,415,491,725
80$2,030,605,087$152,849,582$67,559,852$1,557,595,462
81$2,237,471,145$160,083,551$69,567,447$1,714,104,244
82$2,465,429,488$167,663,931$71,634,242$1,886,483,670
83$2,716,631,275$175,607,443$73,761,969$2,076,348,668
84$2,993,447,076$183,931,619$75,952,405$2,285,478,721
85$3,298,489,249$192,654,840$78,207,383$2,515,834,639
86$3,634,636,608$201,796,382$80,528,785$2,769,577,056
87$4,005,061,593$211,376,456$82,918,550$3,049,086,792
88$4,413,260,226$221,416,253$85,378,672$3,356,987,312
89$4,863,085,113$231,937,993$87,911,202$3,696,169,463
90$5,358,781,818$242,964,978$90,518,251$4,069,818,738
91$5,905,028,940$254,521,640$93,201,989$4,481,445,319
92$6,506,982,288$266,633,595$95,964,652$4,934,917,186
93$7,170,323,549$279,327,709$98,808,535$5,434,496,602
94$7,901,313,935$292,632,151$101,736,005$5,984,880,316
95$8,706,853,287$306,576,457$104,749,492$6,591,243,870
96$9,594,545,222$321,191,603$107,851,499$7,259,290,422
97$10,572,768,910$336,510,067$111,044,600$7,995,304,554
98$11,650,758,186$352,565,908$114,331,442$8,806,211,557
99$12,838,688,725$369,394,841$117,714,749$9,699,642,772
100$14,147,774,104$387,034,317$121,197,322$10,684,007,594