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%16.8%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,356,789
2 years$715,413$702,089$689,176$676,656$664,512$625,825
3 years$472,204$458,823$445,942$433,540$421,594$384,117
4 years$350,624$337,283$324,532$312,341$300,684$264,706
5 years$277,695$264,434$251,850$239,908$228,575$194,195
6 years$229,091$215,930$203,532$191,856$180,864$148,113
7 years$194,388$181,338$169,136$157,736$147,091$115,970
8 years$168,372$155,440$143,441$132,321$122,026$92,519
9 years$148,149$135,339$123,546$112,708$102,763$74,842
10 years$131,979$119,294$107,710$97,155$87,560$61,187
11 years$118,758$106,201$94,826$84,554$75,304$50,439
12 years$107,749$95,320$84,156$74,165$65,257$41,852
13 years$98,440$86,142$75,188$65,477$56,905$34,910
14 years$90,468$78,300$67,556$58,123$49,883$29,245
15 years$83,566$71,529$60,994$51,836$43,921$24,585
16 years$77,532$65,626$55,300$46,413$38,817$20,727
17 years$72,213$60,439$50,321$41,702$34,418$17,516
18 years$67,491$55,849$45,937$37,582$30,603$14,833
19 years$63,271$51,760$42,053$33,958$27,277$12,582
20 years$59,477$48,098$38,594$30,756$24,364$10,687
21 years$56,049$44,801$35,499$27,913$21,803$9,089
22 years$52,937$41,820$32,718$25,379$19,544$7,737
23 years$50,100$39,114$30,209$23,113$17,544$6,592
24 years$47,503$36,647$27,938$21,081$15,769$5,620
25 years$45,118$34,391$25,877$19,252$14,189$4,795
26 years$42,919$32,322$23,999$17,603$12,781$4,093
27 years$40,887$30,419$22,285$16,113$11,523$3,495
28 years$39,004$28,664$20,717$14,763$10,398$2,986
29 years$37,253$27,041$19,279$13,538$9,389$2,552
30 years$35,622$25,537$17,958$12,424$8,483$2,181
31 years$34,100$24,141$16,741$11,411$7,670$1,865
32 years$32,675$22,843$15,620$10,487$6,938$1,595
33 years$31,340$21,632$14,585$9,643$6,279$1,364
34 years$30,086$20,502$13,627$8,873$5,685$1,167
35 years$28,906$19,446$12,740$8,168$5,149$998
36 years$27,794$18,457$11,918$7,522$4,665$854
37 years$26,745$17,530$11,155$6,931$4,228$731
38 years$25,753$16,660$10,446$6,388$3,833$625
39 years$24,815$15,842$9,787$5,890$3,476$535
40 years$23,925$15,072$9,173$5,433$3,153$458
41 years$23,082$14,347$8,602$5,013$2,860$392
42 years$22,280$13,664$8,069$4,626$2,596$336
43 years$21,518$13,019$7,571$4,270$2,356$287
44 years$20,792$12,410$7,107$3,943$2,138$246
45 years$20,101$11,834$6,673$3,641$1,941$211
46 years$19,442$11,289$6,268$3,364$1,762$180
47 years$18,813$10,773$5,888$3,108$1,600$154
48 years$18,211$10,285$5,534$2,872$1,453$132
49 years$17,636$9,821$5,201$2,654$1,320$113
50 years$17,086$9,382$4,890$2,453$1,199$97

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 $6,046 every year, while hoping to spend $23,502 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: 61/15/24 Blend
29$17,500,000$17,500,000$17,500,000$17,500,000
30$19,291,236$18,363,736$18,092,486$20,344,665
31$21,233,937$19,238,554$18,673,579$21,934,798
32$23,374,005$20,155,449$19,273,350$23,666,497
33$25,731,547$21,116,460$19,892,401$25,556,111
34$28,328,720$22,123,722$20,531,352$27,619,027
35$31,189,941$23,179,476$21,190,844$29,872,167
36$34,342,115$24,286,070$21,871,537$32,334,152
37$37,814,890$25,445,967$22,574,113$35,025,469
38$41,640,940$26,661,750$23,299,277$37,968,663
39$45,856,268$27,936,128$24,047,755$41,188,543
40$50,500,550$29,271,941$24,820,297$44,712,412
41$55,617,508$30,672,168$25,617,679$48,570,322
42$61,255,321$32,139,932$26,440,698$52,795,351
43$67,467,083$33,678,508$27,290,181$57,423,908
44$74,311,302$35,291,331$28,166,979$62,496,076
45$81,852,453$36,982,004$29,071,970$68,055,982
46$90,161,585$38,754,304$30,006,063$74,152,204
47$99,316,994$40,612,193$30,970,194$80,838,233
48$109,404,961$42,559,824$31,965,329$88,172,959
49$120,520,566$44,601,554$32,992,467$96,221,233
50$132,768,587$46,741,953$34,052,637$105,054,460
51$146,264,485$48,985,811$35,146,903$114,751,276
52$161,135,501$51,338,154$36,276,362$125,398,276
53$177,521,849$53,804,251$37,442,148$137,090,826
54$195,578,046$56,389,628$38,645,428$149,933,955
55$215,474,368$59,100,081$39,887,412$164,043,337
56$237,398,457$61,941,688$41,169,343$179,546,373
57$261,557,093$64,920,824$42,492,509$196,583,389
58$288,178,145$68,044,173$43,858,237$215,308,944
59$317,512,724$71,318,746$45,267,897$235,893,282
60$349,837,554$74,751,897$46,722,903$258,523,931
61$385,457,580$78,351,335$48,224,715$283,407,456
62$424,708,851$82,125,149$49,774,842$310,771,404
63$467,961,692$86,081,819$51,374,837$340,866,433
64$515,624,198$90,230,241$53,026,307$373,968,673
65$568,146,087$94,579,744$54,730,909$410,382,311
66$626,022,948$99,140,112$56,490,355$450,442,456
67$689,800,916$103,921,605$58,306,409$494,518,285
68$760,081,832$108,934,985$60,180,896$543,016,512
69$837,528,919$114,191,540$62,115,697$596,385,213
70$922,873,050$119,703,107$64,112,753$655,118,038
71$1,016,919,641$125,482,099$66,174,071$719,758,856
72$1,120,556,262$131,541,539$68,301,720$790,906,871
73$1,234,761,008$137,895,082$70,497,835$869,222,259
74$1,360,611,741$144,557,051$72,764,622$955,432,378
75$1,499,296,260$151,542,468$75,104,358$1,050,338,620
76$1,652,123,516$158,867,087$77,519,392$1,154,823,952
77$1,820,535,972$166,547,432$80,012,149$1,269,861,225
78$2,006,123,218$174,600,833$82,585,133$1,396,522,344
79$2,210,636,980$183,045,467$85,240,928$1,535,988,354
80$2,436,007,654$191,900,397$87,982,202$1,689,560,569
81$2,684,362,538$201,185,619$90,811,709$1,858,672,828
82$2,958,045,905$210,922,103$93,732,289$2,044,905,007
83$3,259,641,145$221,131,844$96,746,879$2,249,997,898
84$3,591,995,148$231,837,911$99,858,506$2,475,869,620
85$3,958,245,184$243,064,499$103,070,296$2,724,633,692
86$4,361,848,519$254,836,986$106,385,478$2,998,618,950
87$4,806,615,058$267,181,988$109,807,381$3,300,391,504
88$5,296,743,310$280,127,421$113,339,444$3,632,778,922
89$5,836,860,029$293,702,567$116,985,217$3,998,896,888
90$6,432,063,895$307,938,135$120,748,365$4,402,178,577
91$7,087,973,645$322,866,337$124,632,668$4,846,407,026
92$7,810,781,126$338,520,956$128,642,031$5,335,750,800
93$8,607,309,745$354,937,428$132,780,484$5,874,803,308
94$9,485,078,896$372,152,919$137,052,187$6,468,626,116
95$10,452,374,942$390,206,410$141,461,434$7,122,796,682
96$11,518,329,452$409,138,790$146,012,658$7,843,460,963
97$12,693,005,409$428,992,943$150,710,434$8,637,391,381
98$13,987,492,213$449,813,850$155,559,486$9,512,050,702
99$15,414,010,379$471,648,689$160,564,689$10,475,662,434
100$16,986,026,907$494,546,944$165,731,076$11,537,288,400