Can I retire at age 30 with 17,300,000?

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 $17,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,356,672
2 years$707,237$694,065$681,300$668,923$656,917$633,959
3 years$466,808$453,579$440,846$428,585$416,775$394,427
4 years$346,617$333,429$320,823$308,772$297,248$275,682
5 years$274,521$261,412$248,972$237,166$225,963$205,242
6 years$226,473$213,463$201,206$189,664$178,797$158,944
7 years$192,166$179,266$167,203$155,933$145,410$126,432
8 years$166,448$153,664$141,802$130,808$120,631$102,524
9 years$146,455$133,792$122,134$111,420$101,589$84,342
10 years$130,471$117,931$106,479$96,045$86,559$70,158
11 years$117,401$104,987$93,742$83,588$74,444$58,872
12 years$106,517$94,231$83,194$73,318$64,511$49,748
13 years$97,315$85,157$74,328$64,729$56,255$42,279
14 years$89,434$77,405$66,784$57,459$49,313$36,100
15 years$82,611$70,711$60,297$51,243$43,419$30,944
16 years$76,646$64,876$54,668$45,883$38,374$26,612
17 years$71,388$59,749$49,746$41,225$34,025$22,949
18 years$66,719$55,210$45,412$37,152$30,253$19,836
19 years$62,547$51,168$41,572$33,570$26,965$17,180
20 years$58,797$47,548$38,153$30,404$24,086$14,904
21 years$55,409$44,289$35,093$27,594$21,554$12,949
22 years$52,332$41,342$32,344$25,089$19,320$11,265
23 years$49,527$38,667$29,864$22,849$17,343$9,810
24 years$46,960$36,228$27,619$20,840$15,588$8,551
25 years$44,602$33,998$25,581$19,032$14,027$7,460
26 years$42,429$31,953$23,725$17,402$12,635$6,512
27 years$40,420$30,071$22,031$15,928$11,392$5,688
28 years$38,558$28,336$20,480$14,594$10,279$4,972
29 years$36,827$26,732$19,059$13,383$9,282$4,347
30 years$35,215$25,246$17,752$12,282$8,386$3,802
31 years$33,710$23,865$16,550$11,280$7,582$3,327
32 years$32,302$22,581$15,442$10,367$6,859$2,912
33 years$30,982$21,385$14,418$9,533$6,207$2,550
34 years$29,742$20,268$13,471$8,771$5,620$2,233
35 years$28,576$19,224$12,595$8,074$5,090$1,956
36 years$27,476$18,246$11,782$7,436$4,612$1,714
37 years$26,439$17,330$11,028$6,852$4,180$1,502
38 years$25,459$16,470$10,327$6,315$3,789$1,316
39 years$24,531$15,661$9,675$5,823$3,436$1,153
40 years$23,652$14,900$9,069$5,371$3,117$1,011
41 years$22,818$14,184$8,503$4,955$2,828$886
42 years$22,025$13,508$7,977$4,573$2,566$777
43 years$21,272$12,870$7,485$4,222$2,329$681
44 years$20,555$12,268$7,026$3,898$2,114$597
45 years$19,872$11,699$6,597$3,600$1,919$524
46 years$19,220$11,160$6,196$3,325$1,742$459
47 years$18,598$10,650$5,821$3,072$1,582$403
48 years$18,003$10,167$5,470$2,839$1,437$353
49 years$17,435$9,709$5,142$2,624$1,305$310
50 years$16,891$9,274$4,834$2,425$1,185$272

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,300,000, adding $4,036 every year, while hoping to spend $28,239 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: 86/7/7 Blend
29$17,300,000$17,300,000$17,300,000$17,300,000
30$19,068,763$18,151,863$17,883,713$20,698,148
31$20,983,731$19,011,258$18,452,771$22,620,473
32$23,093,079$19,911,817$19,039,947$24,728,240
33$25,416,604$20,855,528$19,645,816$27,043,511
34$27,976,122$21,844,473$20,270,975$29,587,157
35$30,795,672$22,880,837$20,916,038$32,382,165
36$33,901,744$23,966,912$21,581,640$35,453,856
37$37,323,531$25,105,100$22,268,433$38,830,118
38$41,093,200$26,297,919$22,977,095$42,541,672
39$45,246,199$27,548,009$23,708,320$46,622,357
40$49,821,591$28,858,142$24,462,829$51,109,449
41$54,862,422$30,231,219$25,241,362$56,044,010
42$60,416,128$31,670,287$26,044,686$61,471,276
43$66,534,979$33,178,538$26,873,590$67,441,076
44$73,276,581$34,759,320$27,728,888$74,008,309
45$80,704,409$36,416,144$28,611,423$81,233,450
46$88,888,415$38,152,691$29,522,062$89,183,128
47$97,905,683$39,972,822$30,461,700$97,930,744
48$107,841,157$41,880,585$31,431,262$107,557,167
49$118,788,446$43,880,224$32,431,700$118,151,492
50$130,850,704$45,976,192$33,463,999$129,811,878
51$144,141,607$48,173,157$34,529,174$142,646,475
52$158,786,422$50,476,012$35,628,272$156,774,437
53$174,923,192$52,889,892$36,762,375$172,327,044
54$192,704,041$55,420,180$37,932,597$189,448,944
55$212,296,605$58,072,521$39,140,091$208,299,507
56$233,885,618$60,852,834$40,386,043$229,054,329
57$257,674,655$63,767,327$41,671,680$251,906,889
58$283,888,055$66,822,510$42,998,266$277,070,363
59$312,773,034$70,025,211$44,367,105$304,779,644
60$344,602,026$73,382,588$45,779,546$335,293,542
61$379,675,248$76,902,151$47,236,976$368,897,233
62$418,323,540$80,591,773$48,740,831$405,904,941
63$460,911,481$84,459,710$50,292,590$446,662,901
64$507,840,840$88,514,623$51,893,779$491,552,622
65$559,554,359$92,765,593$53,545,974$540,994,481
66$616,539,940$97,222,144$55,250,801$595,451,691
67$679,335,248$101,894,263$57,009,937$655,434,661
68$748,532,787$106,792,426$58,825,113$721,505,814
69$824,785,493$111,927,617$60,698,117$794,284,887
70$908,812,900$117,311,357$62,630,790$874,454,775
71$1,001,407,930$122,955,727$64,625,036$962,767,974
72$1,103,444,381$128,873,399$66,682,816$1,060,053,669
73$1,215,885,173$135,077,662$68,806,156$1,167,225,565
74$1,339,791,445$141,582,452$70,997,147$1,285,290,497
75$1,476,332,566$148,402,384$73,257,944$1,415,357,928
76$1,626,797,175$155,552,789$75,590,773$1,558,650,417
77$1,792,605,354$163,049,743$77,997,931$1,716,515,149
78$1,975,322,025$170,910,105$80,481,787$1,890,436,642
79$2,176,671,731$179,151,560$83,044,786$2,082,050,755
80$2,398,554,913$187,792,652$85,689,452$2,293,160,120
81$2,643,065,854$196,852,831$88,418,387$2,525,751,147
82$2,912,512,448$206,352,497$91,234,280$2,782,012,767
83$3,209,437,992$216,313,043$94,139,903$3,064,357,083
84$3,536,645,193$226,756,908$97,138,116$3,375,442,135
85$3,897,222,631$237,707,626$100,231,872$3,718,196,972
86$4,294,573,917$249,189,877$103,424,216$4,095,849,296
87$4,732,449,823$261,229,547$106,718,294$4,511,955,920
88$5,214,983,696$273,853,786$110,117,348$4,970,436,327
89$5,746,730,480$287,091,069$113,624,726$5,475,609,663
90$6,332,709,717$300,971,259$117,243,883$6,032,235,490
91$6,978,452,937$315,525,680$120,978,382$6,645,558,710
92$7,690,055,881$330,787,182$124,831,902$7,321,359,056
93$8,474,236,049$346,790,222$128,808,238$8,066,005,642
94$9,338,396,119$363,570,936$132,911,308$8,886,517,074
95$10,290,693,839$381,167,227$137,145,152$9,790,627,686
96$11,340,119,037$399,618,848$141,513,941$10,786,860,541
97$12,496,578,499$418,967,493$146,021,979$11,884,607,873
98$13,770,989,498$439,256,891$150,673,707$13,094,219,730
99$15,175,382,858$460,532,910$155,473,708$14,427,101,666
100$16,723,016,543$482,843,656$160,426,710$15,895,822,393