Can I retire at age 30 with 17,100,000?

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 $17,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,356,691
2 years$699,060$686,041$673,423$661,189$649,323$642,373
3 years$461,411$448,335$435,749$423,630$411,957$405,159
4 years$342,609$329,574$317,114$305,202$293,811$287,217
5 years$271,347$258,390$246,093$234,424$223,351$216,980
6 years$223,855$210,995$198,880$187,471$176,730$170,590
7 years$189,945$177,193$165,270$154,130$143,729$137,824
8 years$164,524$151,887$140,162$129,296$119,237$113,567
9 years$144,762$132,245$120,722$110,132$100,415$94,979
10 years$128,962$116,568$105,248$94,934$85,558$80,354
11 years$116,044$103,773$92,659$82,621$73,583$68,607
12 years$105,286$93,141$82,232$72,470$63,765$59,013
13 years$96,190$84,173$73,469$63,980$55,605$51,071
14 years$88,400$76,511$66,012$56,794$48,743$44,424
15 years$81,655$69,894$59,600$50,651$42,917$38,807
16 years$75,759$64,126$54,036$45,352$37,930$34,023
17 years$70,563$59,058$49,171$40,749$33,631$29,921
18 years$65,948$54,572$44,887$36,723$29,904$26,384
19 years$61,824$50,577$41,092$33,182$26,654$23,319
20 years$58,117$46,998$37,712$30,053$23,808$20,651
21 years$54,768$43,777$34,688$27,275$21,305$18,321
22 years$51,727$40,864$31,970$24,799$19,097$16,278
23 years$48,955$38,220$29,519$22,585$17,143$14,482
24 years$46,417$35,809$27,300$20,599$15,408$12,899
25 years$44,086$33,605$25,285$18,812$13,865$11,502
26 years$41,938$31,584$23,451$17,201$12,489$10,265
27 years$39,953$29,724$21,776$15,744$11,260$9,169
28 years$38,112$28,009$20,244$14,425$10,160$8,196
29 years$36,402$26,423$18,838$13,228$9,174$7,330
30 years$34,808$24,954$17,547$12,140$8,290$6,560
31 years$33,320$23,589$16,359$11,150$7,495$5,874
32 years$31,928$22,320$15,263$10,247$6,779$5,262
33 years$30,624$21,138$14,251$9,423$6,135$4,715
34 years$29,398$20,034$13,315$8,670$5,555$4,227
35 years$28,245$19,002$12,449$7,981$5,031$3,791
36 years$27,159$18,035$11,646$7,350$4,559$3,400
37 years$26,133$17,130$10,900$6,772$4,132$3,051
38 years$25,164$16,279$10,208$6,242$3,746$2,738
39 years$24,247$15,480$9,563$5,756$3,397$2,458
40 years$23,378$14,728$8,964$5,309$3,081$2,207
41 years$22,554$14,020$8,405$4,898$2,795$1,982
42 years$21,771$13,352$7,884$4,520$2,536$1,780
43 years$21,026$12,722$7,398$4,173$2,302$1,599
44 years$20,317$12,126$6,945$3,853$2,089$1,436
45 years$19,642$11,564$6,521$3,558$1,897$1,290
46 years$18,998$11,031$6,125$3,287$1,722$1,159
47 years$18,383$10,527$5,754$3,037$1,564$1,042
48 years$17,795$10,049$5,407$2,806$1,420$936
49 years$17,233$9,597$5,082$2,593$1,290$841
50 years$16,696$9,167$4,778$2,397$1,172$756

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,100,000, adding $5,397 every year, while hoping to spend $30,502 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: 57/22/21 Blend
29$17,100,000$17,100,000$17,100,000$17,100,000
30$18,849,767$17,943,467$17,678,417$19,817,698
31$20,739,989$18,790,243$18,238,190$21,324,820
32$22,821,992$19,677,489$18,815,693$22,962,784
33$25,115,305$20,607,155$19,411,488$24,747,242
34$27,641,447$21,581,287$20,026,155$26,692,310
35$30,424,134$22,602,030$20,660,291$28,813,509
36$33,489,498$23,671,632$21,314,513$31,127,906
37$36,866,336$24,792,450$21,989,457$33,654,273
38$40,586,379$25,966,957$22,685,781$36,413,254
39$44,684,597$27,197,745$23,404,162$39,427,560
40$49,199,523$28,487,531$24,145,298$42,722,174
41$54,173,619$29,839,166$24,909,911$46,324,584
42$59,653,680$31,255,636$25,698,744$50,265,032
43$65,691,268$32,740,076$26,512,565$54,576,799
44$72,343,208$34,295,770$27,352,167$59,296,507
45$79,672,115$35,926,163$28,218,364$64,464,460
46$87,746,993$37,634,867$29,112,002$70,125,019
47$96,643,881$39,425,669$30,033,948$76,327,010
48$106,446,571$41,302,542$30,985,100$83,124,178
49$117,247,405$43,269,650$31,966,384$90,575,687
50$129,148,136$45,331,359$32,978,754$98,746,669
51$142,260,900$47,492,249$34,023,196$107,708,831
52$156,709,264$49,757,122$35,100,726$117,541,120
53$172,629,401$52,131,013$36,212,392$128,330,461
54$190,171,370$54,619,202$37,359,277$140,172,565
55$209,500,532$57,227,226$38,542,496$153,172,823
56$230,799,118$59,960,891$39,763,200$167,447,291
57$254,267,939$62,826,286$41,022,579$183,123,770
58$280,128,290$65,829,796$42,321,857$200,343,004
59$308,624,036$68,978,115$43,662,299$219,259,993
60$340,023,911$72,278,267$45,045,209$240,045,444
61$374,624,061$75,737,612$46,471,934$262,887,370
62$412,750,833$79,363,874$47,943,863$287,992,847
63$454,763,863$83,165,148$49,462,427$315,589,954
64$501,059,464$87,149,927$51,029,105$345,929,913
65$552,074,371$91,327,116$52,645,422$379,289,442
66$608,289,864$95,706,052$54,312,951$415,973,348
67$670,236,311$100,296,529$56,033,315$456,317,388
68$738,498,173$105,108,817$57,808,190$500,691,421
69$813,719,524$110,153,687$59,639,302$549,502,876
70$896,610,131$115,442,433$61,528,434$603,200,579
71$987,952,153$120,986,901$63,477,425$662,278,968
72$1,088,607,527$126,799,513$65,488,173$727,282,741
73$1,199,526,103$132,893,297$67,562,635$798,811,966
74$1,321,754,613$139,281,916$69,702,831$877,527,731
75$1,456,446,552$145,979,698$71,910,843$964,158,350
76$1,604,873,066$153,001,670$74,188,823$1,059,506,217
77$1,768,434,958$160,363,591$76,538,988$1,164,455,349
78$1,948,675,905$168,081,988$78,963,625$1,279,979,704
79$2,147,297,037$176,174,195$81,465,096$1,407,152,342
80$2,366,172,995$184,658,391$84,045,837$1,547,155,524
81$2,607,369,627$193,553,639$86,708,359$1,701,291,837
82$2,873,163,496$202,879,934$89,455,256$1,870,996,459
83$3,166,063,368$212,658,246$92,289,203$2,057,850,667
84$3,488,833,899$222,910,567$95,212,958$2,263,596,726
85$3,844,521,733$233,659,962$98,229,369$2,490,154,296
86$4,236,484,271$244,930,621$101,341,374$2,739,638,515
87$4,668,421,359$256,747,913$104,552,002$3,014,379,919
88$5,144,410,224$269,138,448$107,864,381$3,316,946,395
89$5,668,943,964$282,130,129$111,281,735$3,650,167,379
90$6,246,973,969$295,752,226$114,807,394$4,017,160,515
91$6,883,956,663$310,035,434$118,444,791$4,421,361,029
92$7,585,905,019$325,011,947$122,197,467$4,866,554,111
93$8,359,445,328$340,715,529$126,069,079$5,356,910,583
94$9,211,879,755$357,181,594$130,063,397$5,897,026,221
95$10,151,255,281$374,447,282$134,184,311$6,491,965,069
96$11,186,439,669$392,551,549$138,435,836$7,147,307,188
97$12,327,205,190$411,535,250$142,822,111$7,869,201,259
98$13,584,320,877$431,441,235$147,347,410$8,664,422,560
99$14,969,654,199$452,314,447$152,016,140$9,540,436,850
100$16,496,283,095$474,202,024$156,832,849$10,505,470,775