Can I retire at age 30 with 15,100,000?

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 $15,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,177,378
2 years$617,299$605,802$594,660$583,857$573,379$546,601
3 years$407,445$395,899$384,785$374,083$363,775$337,772
4 years$302,538$291,027$280,025$269,506$259,447$234,420
5 years$239,611$228,169$217,311$207,006$197,228$173,246
6 years$197,673$186,317$175,619$165,545$156,060$133,149
7 years$167,729$156,469$145,940$136,103$126,918$105,083
8 years$145,281$134,123$123,769$114,174$105,291$84,522
9 years$127,831$116,778$106,602$97,251$88,670$68,953
10 years$113,879$102,934$92,938$83,831$75,551$56,866
11 years$102,471$91,636$81,821$72,958$64,977$47,298
12 years$92,972$82,248$72,614$63,994$56,307$39,607
13 years$84,940$74,328$64,876$56,497$49,101$33,349
14 years$78,061$67,562$58,292$50,152$43,042$28,207
15 years$72,105$61,719$52,629$44,727$37,897$23,945
16 years$66,899$56,626$47,716$40,048$33,494$20,390
17 years$62,310$52,150$43,420$35,983$29,698$17,408
18 years$58,235$48,189$39,637$32,428$26,406$14,894
19 years$54,593$44,661$36,286$29,301$23,536$12,767
20 years$51,320$41,502$33,301$26,538$21,023$10,960
21 years$48,362$38,657$30,631$24,085$18,813$9,421
22 years$45,677$36,085$28,231$21,899$16,863$8,108
23 years$43,229$33,750$26,066$19,943$15,138$6,984
24 years$40,988$31,621$24,107$18,190$13,606$6,021
25 years$38,930$29,675$22,328$16,612$12,243$5,195
26 years$37,033$27,890$20,708$15,189$11,028$4,484
27 years$35,280$26,247$19,229$13,903$9,943$3,873
28 years$33,655$24,733$17,876$12,738$8,972$3,347
29 years$32,144$23,333$16,635$11,681$8,101$2,893
30 years$30,737$22,035$15,495$10,720$7,320$2,502
31 years$29,423$20,830$14,445$9,846$6,618$2,164
32 years$28,194$19,710$13,478$9,048$5,986$1,872
33 years$27,042$18,666$12,584$8,321$5,418$1,620
34 years$25,960$17,691$11,758$7,656$4,905$1,402
35 years$24,942$16,779$10,993$7,048$4,443$1,214
36 years$23,982$15,926$10,284$6,491$4,025$1,051
37 years$23,077$15,126$9,625$5,980$3,648$910
38 years$22,221$14,375$9,014$5,512$3,308$788
39 years$21,411$13,669$8,445$5,083$2,999$682
40 years$20,644$13,005$7,915$4,688$2,721$591
41 years$19,916$12,380$7,422$4,325$2,468$512
42 years$19,225$11,790$6,962$3,992$2,240$443
43 years$18,567$11,234$6,533$3,685$2,033$384
44 years$17,941$10,708$6,132$3,402$1,845$333
45 years$17,345$10,211$5,758$3,142$1,675$288
46 years$16,776$9,741$5,408$2,902$1,521$250
47 years$16,233$9,296$5,081$2,681$1,381$216
48 years$15,714$8,874$4,775$2,478$1,254$188
49 years$15,218$8,474$4,488$2,290$1,139$162
50 years$14,743$8,095$4,219$2,117$1,035$141

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $15,100,000, adding $4,472 every year, while hoping to spend $51,021 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: 72/17/11 Blend
29$15,100,000$15,100,000$15,100,000$15,100,000
30$16,644,813$15,844,513$15,610,463$17,806,494
31$18,288,298$16,566,608$16,079,127$19,297,585
32$20,097,708$17,322,376$16,561,782$20,923,036
33$22,089,915$18,113,412$17,058,842$22,701,457
34$24,283,507$18,941,390$17,570,734$24,647,944
35$26,698,968$19,808,063$18,097,898$26,779,112
36$29,358,871$20,715,266$18,640,785$29,113,251
37$32,288,087$21,664,925$19,199,863$31,670,490
38$35,514,024$22,659,058$19,775,610$34,472,991
39$39,066,881$23,699,779$20,368,520$37,545,148
40$42,979,938$24,789,303$20,979,100$40,913,820
41$47,289,867$25,929,954$21,607,875$44,608,578
42$52,037,076$27,124,165$22,255,382$48,661,978
43$57,266,096$28,374,486$22,922,175$53,109,871
44$63,025,994$29,683,593$23,608,825$57,991,732
45$69,370,843$31,054,286$24,315,918$63,351,029
46$76,360,227$32,489,504$25,044,059$69,235,633
47$84,059,805$33,992,325$25,793,870$75,698,259
48$92,541,931$35,565,975$26,565,990$82,796,965
49$101,886,337$37,213,837$27,361,080$90,595,691
50$112,180,884$38,939,455$28,179,817$99,164,859
51$123,522,393$40,746,546$29,022,898$108,582,033
52$136,017,555$42,639,005$29,891,044$118,932,644
53$149,783,944$44,620,915$30,784,992$130,310,790
54$164,951,122$46,696,555$31,705,505$142,820,122
55$181,661,862$48,870,412$32,653,365$156,574,811
56$200,073,497$51,147,188$33,629,379$171,700,623
57$220,359,407$53,531,813$34,634,376$188,336,095
58$242,710,649$56,029,455$35,669,210$206,633,842
59$267,337,768$58,645,531$36,734,761$226,761,983
60$294,472,777$61,385,719$37,831,933$248,905,722
61$324,371,355$64,255,973$38,961,656$273,269,094
62$357,315,251$67,262,534$40,124,889$300,076,871
63$393,614,952$70,411,943$41,322,619$329,576,686
64$433,612,609$73,711,060$42,555,859$362,041,354
65$477,685,268$77,167,076$43,825,653$397,771,440
66$526,248,431$80,787,528$45,133,078$437,098,084
67$579,759,972$84,580,318$46,479,238$480,386,121
68$638,724,469$88,553,733$47,865,271$528,037,508
69$703,697,957$92,716,458$49,292,350$580,495,108
70$775,293,183$97,077,600$50,761,679$638,246,863
71$854,185,391$101,646,705$52,274,498$701,830,380
72$941,118,692$106,433,785$53,832,085$771,837,997
73$1,036,913,091$111,449,332$55,435,752$848,922,362
74$1,142,472,227$116,704,351$57,086,851$933,802,573
75$1,258,791,907$122,210,376$58,786,772$1,027,270,959
76$1,386,969,500$127,979,504$60,536,948$1,130,200,538
77$1,528,214,304$134,024,414$62,338,851$1,243,553,244
78$1,683,858,956$140,358,404$64,193,996$1,368,388,988
79$1,855,372,017$146,995,412$66,103,942$1,505,875,648
80$2,044,371,833$153,950,057$68,070,293$1,657,300,076
81$2,252,641,813$161,237,664$70,094,702$1,824,080,221
82$2,482,147,269$168,874,301$72,178,865$2,007,778,499
83$2,735,053,966$176,876,816$74,324,532$2,210,116,517
84$3,013,748,567$185,262,877$76,533,501$2,432,991,308
85$3,320,861,169$194,051,006$78,807,622$2,678,493,207
86$3,659,290,130$203,260,627$81,148,798$2,948,925,570
87$4,032,229,429$212,912,104$83,558,989$3,246,826,483
88$4,443,198,826$223,026,792$86,040,211$3,574,992,701
89$4,896,077,085$233,627,083$88,594,536$3,936,506,021
90$5,395,138,593$244,736,456$91,224,098$4,334,762,343
91$5,945,093,716$256,379,529$93,931,093$4,773,503,701
92$6,551,133,269$268,582,119$96,717,777$5,256,853,555
93$7,218,977,515$281,371,296$99,586,476$5,789,355,685
94$7,954,930,177$294,775,445$102,539,579$6,376,017,050
95$8,765,937,945$308,824,332$105,579,544$7,022,355,021
96$9,659,656,059$323,549,168$108,708,903$7,734,449,426
97$10,644,520,583$338,982,683$111,930,257$8,518,999,909
98$11,729,828,046$355,159,198$115,246,284$9,383,389,135
99$12,925,823,210$372,114,702$118,659,738$10,335,752,439
100$14,243,795,792$389,886,937$122,173,453$11,385,054,587