Can I retire at age 30 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,361,740
2 years$715,413$702,089$689,176$676,656$664,512$630,727
3 years$472,204$458,823$445,942$433,540$421,594$388,815
4 years$350,624$337,283$324,532$312,341$300,684$269,164
5 years$277,695$264,434$251,850$239,908$228,575$198,402
6 years$229,091$215,930$203,532$191,856$180,864$152,067
7 years$194,388$181,338$169,136$157,736$147,091$119,675
8 years$168,372$155,440$143,441$132,321$122,026$95,979
9 years$148,149$135,339$123,546$112,708$102,763$78,065
10 years$131,979$119,294$107,710$97,155$87,560$64,181
11 years$118,758$106,201$94,826$84,554$75,304$53,212
12 years$107,749$95,320$84,156$74,165$65,257$44,414
13 years$98,440$86,142$75,188$65,477$56,905$37,272
14 years$90,468$78,300$67,556$58,123$49,883$31,417
15 years$83,566$71,529$60,994$51,836$43,921$26,578
16 years$77,532$65,626$55,300$46,413$38,817$22,552
17 years$72,213$60,439$50,321$41,702$34,418$19,184
18 years$67,491$55,849$45,937$37,582$30,603$16,354
19 years$63,271$51,760$42,053$33,958$27,277$13,965
20 years$59,477$48,098$38,594$30,756$24,364$11,944
21 years$56,049$44,801$35,499$27,913$21,803$10,228
22 years$52,937$41,820$32,718$25,379$19,544$8,768
23 years$50,100$39,114$30,209$23,113$17,544$7,523
24 years$47,503$36,647$27,938$21,081$15,769$6,460
25 years$45,118$34,391$25,877$19,252$14,189$5,551
26 years$42,919$32,322$23,999$17,603$12,781$4,773
27 years$40,887$30,419$22,285$16,113$11,523$4,106
28 years$39,004$28,664$20,717$14,763$10,398$3,533
29 years$37,253$27,041$19,279$13,538$9,389$3,042
30 years$35,622$25,537$17,958$12,424$8,483$2,619
31 years$34,100$24,141$16,741$11,411$7,670$2,256
32 years$32,675$22,843$15,620$10,487$6,938$1,944
33 years$31,340$21,632$14,585$9,643$6,279$1,675
34 years$30,086$20,502$13,627$8,873$5,685$1,444
35 years$28,906$19,446$12,740$8,168$5,149$1,245
36 years$27,794$18,457$11,918$7,522$4,665$1,073
37 years$26,745$17,530$11,155$6,931$4,228$925
38 years$25,753$16,660$10,446$6,388$3,833$798
39 years$24,815$15,842$9,787$5,890$3,476$688
40 years$23,925$15,072$9,173$5,433$3,153$593
41 years$23,082$14,347$8,602$5,013$2,860$512
42 years$22,280$13,664$8,069$4,626$2,596$441
43 years$21,518$13,019$7,571$4,270$2,356$381
44 years$20,792$12,410$7,107$3,943$2,138$328
45 years$20,101$11,834$6,673$3,641$1,941$283
46 years$19,442$11,289$6,268$3,364$1,762$244
47 years$18,813$10,773$5,888$3,108$1,600$211
48 years$18,211$10,285$5,534$2,872$1,453$182
49 years$17,636$9,821$5,201$2,654$1,320$157
50 years$17,086$9,382$4,890$2,453$1,199$135

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,500,000, adding $4,065 every year, while hoping to spend $26,678 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: 66/10/24 Blend
29$17,500,000$17,500,000$17,500,000$17,500,000
30$19,289,193$18,361,693$18,090,443$20,442,374
31$21,228,306$19,233,031$18,668,088$22,090,027
32$23,364,313$20,146,170$19,264,189$23,887,305
33$25,717,272$21,103,131$19,879,338$25,851,699
34$28,309,281$22,106,031$20,514,143$27,999,657
35$31,164,693$23,157,092$21,169,232$30,349,279
36$34,310,345$24,258,643$21,845,255$32,920,489
37$37,775,810$25,413,126$22,542,881$35,735,219
38$41,593,674$26,623,102$23,262,799$38,817,610
39$45,799,851$27,891,255$24,005,725$42,194,240
40$50,433,911$29,220,402$24,772,392$45,894,368
41$55,539,463$30,613,496$25,563,561$49,950,210
42$61,164,563$32,073,631$26,380,014$54,397,237
43$67,362,165$33,604,056$27,222,561$59,274,505
44$74,190,625$35,208,174$28,092,036$64,625,021
45$81,714,250$36,889,555$28,989,301$70,496,146
46$90,003,904$38,651,944$29,915,243$76,940,033
47$99,137,680$40,499,267$30,870,781$84,014,121
48$109,201,631$42,435,639$31,856,860$91,781,664
49$120,290,591$44,465,379$32,874,459$100,312,333
50$132,509,063$46,593,014$33,924,584$109,682,859
51$145,972,206$48,823,290$35,008,277$119,977,757
52$160,806,928$51,161,188$36,126,611$131,290,117
53$177,153,076$53,611,928$37,280,694$143,722,477
54$195,164,762$56,180,985$38,471,669$157,387,782
55$215,011,816$58,874,101$39,700,718$172,410,449
56$236,881,387$61,697,298$40,969,058$188,927,529
57$260,979,712$64,656,890$42,277,946$207,089,996
58$287,534,065$67,759,499$43,628,678$227,064,168
59$316,794,895$71,012,070$45,022,595$249,033,263
60$349,038,199$74,421,887$46,461,077$273,199,125
61$384,568,123$77,996,586$47,945,550$299,784,120
62$423,719,831$81,744,179$49,477,486$329,033,226
63$466,862,676$85,673,065$51,058,403$361,216,338
64$514,403,678$89,792,054$52,689,869$396,630,804
65$566,791,374$94,110,386$54,373,501$435,604,224
66$624,520,048$98,637,749$56,110,967$478,497,531
67$688,134,400$103,384,306$57,903,992$525,708,390
68$758,234,685$108,360,713$59,754,352$577,674,937
69$835,482,383$113,578,148$61,663,882$634,879,907
70$920,606,439$119,048,331$63,634,476$697,855,177
71$1,014,410,153$124,783,555$65,668,087$767,186,777
72$1,117,778,754$130,796,715$67,766,733$843,520,404
73$1,231,687,763$137,101,330$69,932,495$927,567,510
74$1,357,212,201$143,711,582$72,167,520$1,020,112,000
75$1,495,536,740$150,642,343$74,474,026$1,122,017,618
76$1,647,966,881$157,909,212$76,854,300$1,234,236,087
77$1,815,941,287$165,528,548$79,310,703$1,357,816,076
78$2,001,045,358$173,517,507$81,845,672$1,493,913,084
79$2,205,026,204$181,894,083$84,461,721$1,643,800,328
80$2,429,809,134$190,677,150$87,161,446$1,808,880,750
81$2,677,515,835$199,886,501$89,947,524$1,990,700,236
82$2,950,484,405$209,542,894$92,822,720$2,190,962,194
83$3,251,291,420$219,668,102$95,789,888$2,411,543,612
84$3,582,776,266$230,284,959$98,851,969$2,654,512,757
85$3,948,067,939$241,417,416$102,012,004$2,922,148,677
86$4,350,614,590$253,090,591$105,273,128$3,216,962,696
87$4,794,216,077$265,330,828$108,638,576$3,541,722,091
88$5,283,059,837$278,165,760$112,111,689$3,899,476,198
89$5,821,760,424$291,624,365$115,695,914$4,293,585,167
90$6,415,403,067$305,737,039$119,394,807$4,727,751,662
91$7,069,591,687$320,535,661$123,212,040$5,206,055,778
92$7,790,501,798$336,053,667$127,151,402$5,732,993,539
93$8,584,938,810$352,326,126$131,216,803$6,313,519,306
94$9,460,402,282$369,389,819$135,412,279$6,953,092,516
95$10,425,156,718$387,283,324$139,741,994$7,657,729,190
96$11,488,309,599$406,047,102$144,210,247$8,434,058,692
97$12,659,897,361$425,723,594$148,821,473$9,289,386,274
98$13,950,980,151$446,357,308$153,580,251$10,231,762,009
99$15,373,746,243$467,994,933$158,491,306$11,270,056,741
100$16,941,627,109$490,685,434$163,559,514$12,414,045,796