Can I retire at age 30 with 15,900,000?

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 $15,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$1,313,007$1,301,312$1,289,901$1,278,763$1,267,888$1,251,526
2 years$650,004$637,898$626,165$614,790$603,756$587,295
3 years$429,031$416,873$405,171$393,902$383,048$366,999
4 years$318,567$306,446$294,860$283,784$273,193$257,680
5 years$252,305$240,257$228,824$217,973$207,677$192,746
6 years$208,146$196,188$184,924$174,315$164,328$149,996
7 years$176,615$164,759$153,672$143,314$133,642$119,915
8 years$152,978$141,229$130,326$120,223$110,869$97,745
9 years$134,604$122,965$112,250$102,403$93,368$80,841
10 years$119,912$108,387$97,862$88,272$79,554$67,616
11 years$107,900$96,491$86,156$76,823$68,419$57,058
12 years$97,897$86,605$76,461$67,384$59,291$48,495
13 years$89,440$78,266$68,313$59,490$51,703$41,457
14 years$82,197$71,141$61,380$52,809$45,322$35,612
15 years$75,925$64,989$55,418$47,096$39,905$30,715
16 years$70,443$59,626$50,244$42,170$35,268$26,580
17 years$65,611$54,913$45,720$37,889$31,271$23,069
18 years$61,320$50,742$41,737$34,146$27,805$20,070
19 years$57,486$47,028$38,208$30,854$24,783$17,497
20 years$54,039$43,700$35,065$27,944$22,137$15,281
21 years$50,925$40,705$32,253$25,361$19,810$13,367
22 years$48,097$37,997$29,726$23,059$17,757$11,708
23 years$45,519$35,538$27,447$21,000$15,940$10,267
24 years$43,160$33,296$25,384$19,153$14,327$9,013
25 years$40,993$31,247$23,511$17,492$12,892$7,918
26 years$38,995$29,367$21,805$15,994$11,613$6,962
27 years$37,149$27,638$20,248$14,639$10,470$6,126
28 years$35,438$26,043$18,823$13,413$9,447$5,393
29 years$33,847$24,569$17,516$12,300$8,530$4,750
30 years$32,366$23,203$16,316$11,288$7,708$4,186
31 years$30,982$21,934$15,211$10,367$6,969$3,690
32 years$29,688$20,754$14,192$9,528$6,304$3,254
33 years$28,475$19,654$13,251$8,762$5,705$2,871
34 years$27,335$18,628$12,381$8,061$5,165$2,533
35 years$26,263$17,668$11,575$7,421$4,678$2,236
36 years$25,253$16,770$10,829$6,835$4,239$1,974
37 years$24,300$15,927$10,135$6,297$3,842$1,743
38 years$23,399$15,137$9,491$5,804$3,483$1,539
39 years$22,546$14,394$8,892$5,352$3,158$1,359
40 years$21,738$13,694$8,335$4,936$2,865$1,201
41 years$20,971$13,036$7,815$4,554$2,599$1,061
42 years$20,243$12,415$7,331$4,203$2,358$937
43 years$19,551$11,829$6,879$3,880$2,140$828
44 years$18,891$11,275$6,457$3,582$1,943$732
45 years$18,263$10,752$6,063$3,309$1,764$647
46 years$17,664$10,257$5,695$3,056$1,601$571
47 years$17,093$9,788$5,350$2,823$1,454$505
48 years$16,546$9,344$5,028$2,609$1,320$446
49 years$16,024$8,923$4,726$2,411$1,199$395
50 years$15,524$8,524$4,443$2,229$1,089$349

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $15,900,000, adding $3,539 every year, while hoping to spend $29,634 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: 72/15/13 Blend
29$15,900,000$15,900,000$15,900,000$15,900,000
30$17,525,450$16,682,750$16,436,300$18,738,413
31$19,281,516$17,468,675$16,955,386$20,328,148
32$21,215,707$18,292,116$17,490,868$22,064,410
33$23,346,161$19,154,882$18,043,264$23,964,858
34$25,692,865$20,058,866$18,613,109$26,045,720
35$28,277,842$21,006,056$19,200,953$28,324,857
36$31,125,363$21,998,534$19,807,366$30,821,931
37$34,262,171$23,038,483$20,432,933$33,558,583
38$37,717,737$24,128,193$21,078,261$36,558,638
39$41,524,537$25,270,065$21,743,974$39,848,325
40$45,718,357$26,466,616$22,430,714$43,456,523
41$50,338,634$27,720,485$23,139,148$47,415,025
42$55,428,825$29,034,439$23,869,960$51,758,841
43$61,036,819$30,411,380$24,623,857$56,526,517
44$67,215,387$31,854,350$25,401,568$61,760,504
45$74,022,682$33,366,539$26,203,847$67,507,544
46$81,522,788$34,951,292$27,031,468$73,819,115
47$89,786,324$36,612,116$27,885,233$80,751,907
48$98,891,108$38,352,690$28,765,969$88,368,357
49$108,922,898$40,176,868$29,674,526$96,737,227
50$119,976,195$42,088,696$30,611,783$105,934,255
51$132,155,138$44,092,413$31,578,649$116,042,855
52$145,574,486$46,192,465$32,576,058$127,154,910
53$160,360,703$48,393,515$33,604,975$139,371,624
54$176,653,149$50,700,452$34,666,396$152,804,473
55$194,605,397$53,118,401$35,761,347$167,576,254
56$214,386,684$55,652,739$36,890,889$183,822,234
57$236,183,506$58,309,103$38,056,113$201,691,420
58$260,201,379$61,093,404$39,258,148$221,347,960
59$286,666,780$64,011,842$40,498,157$242,972,681
60$315,829,285$67,070,916$41,777,339$266,764,790
61$347,963,925$70,277,443$43,096,932$292,943,748
62$383,373,779$73,638,572$44,458,213$321,751,325
63$422,392,841$77,161,798$45,862,500$353,453,884
64$465,389,167$80,854,983$47,311,150$388,344,873
65$512,768,355$84,726,370$48,805,567$426,747,596
66$564,977,370$88,784,604$50,347,195$469,018,248
67$622,508,762$93,038,751$51,937,528$515,549,266
68$685,905,324$97,498,318$53,578,102$566,773,024
69$755,765,206$102,173,274$55,270,508$623,165,903
70$832,747,568$107,074,076$57,016,381$685,252,771
71$917,578,802$112,211,687$58,817,412$753,611,929
72$1,011,059,388$117,597,608$60,675,343$828,880,555
73$1,114,071,451$123,243,897$62,591,973$911,760,700
74$1,227,587,091$129,163,199$64,569,156$1,003,025,907
75$1,352,677,557$135,368,779$66,608,805$1,103,528,493
76$1,490,523,364$141,874,545$68,712,896$1,214,207,578
77$1,642,425,432$148,695,083$70,883,463$1,336,097,934
78$1,809,817,375$155,845,691$73,122,608$1,470,339,738
79$1,994,279,029$163,342,412$75,432,497$1,618,189,311
80$2,197,551,371$171,202,071$77,815,367$1,781,030,960
81$2,421,552,952$179,442,314$80,273,523$1,960,390,029
82$2,668,398,012$188,081,646$82,809,345$2,157,947,271
83$2,940,416,437$197,139,474$85,425,286$2,375,554,696
84$3,240,175,760$206,636,155$88,123,879$2,615,253,029
85$3,570,505,394$216,593,033$90,907,736$2,879,290,952
86$3,934,523,349$227,032,497$93,779,550$3,170,146,302
87$4,335,665,668$237,978,026$96,742,102$3,490,549,442
88$4,777,718,863$249,454,246$99,798,259$3,843,509,002
89$5,264,855,665$261,486,982$102,950,979$4,232,340,256
90$5,801,674,420$274,103,321$106,203,314$4,660,696,389
91$6,393,242,498$287,331,671$109,558,411$5,132,602,946
92$7,045,144,133$301,201,823$113,019,519$5,652,495,809
93$7,763,533,149$315,745,027$116,589,987$6,225,263,034
94$8,555,191,051$330,994,054$120,273,272$6,856,290,960
95$9,427,591,050$346,983,275$124,072,939$7,551,515,021
96$10,388,968,621$363,748,738$127,992,666$8,317,475,736
97$11,448,399,247$381,328,253$132,036,247$9,161,380,419
98$12,615,884,105$399,761,473$136,207,596$10,091,171,169
99$13,902,444,485$419,089,987$140,510,752$11,115,599,805
100$15,320,225,841$439,357,414$144,949,881$12,244,310,439